Search found 250 matches

by rattlenap
Thu May 18, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 8757

Re: Is the Vanguard Balanced Index Fund all you need?

AlwaysaQ wrote:Can somebody who held Vanguard Balanced Index tell me what percentage of dividends were qualified dividends? That info doesn't seem available on the website.

15% I believe.
by rattlenap
Tue May 16, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 3928

Re: Best argument you've heard against passive/for active?

I've been catching the elevator at work over the last couple of months. On the small news monitors in them, I've been seeing advertisements from Oppenheimer funds with catchphrases like "Index Investing is so 1957" & "Market-cap weighting is so three martini lunch". Challenge...
by rattlenap
Tue May 16, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6232

Re: What Will Burst the Next Bubble?

This is exactly why I do a simple 60/40 AA. So as to mitigate risk.
by rattlenap
Thu May 11, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 5845

Re: international stocks poised to outperform US ???

I checked with my financial advisor today and here is what he had to say: “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start” He is a guy named Warren Buffett, he has smoked the pants off the S&P 500 for the past few decades. How's your guy done over...
by rattlenap
Mon May 08, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Why Does The 60/40 Work So Well?
Replies: 72
Views: 9118

Why Does The 60/40 Work So Well?

I have always been a 60/40 guy even when I was younger.
So I'd like to get your opinion on why you think the 60/40 asset allocation has always worked so well.
Why it has stood the test of time.
by rattlenap
Mon May 08, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Buffet and Bogle on bonds
Replies: 24
Views: 2880

Re: Buffet and Bogle on bonds

I do the 60/40 as well, though I don't have international in my portfolio. Honestly, I take the same position with bonds as I do with stocks and that is just stay the course. Especially with my asset allocation. Hope this helps!
by rattlenap
Tue May 02, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT's Protect You From Inflation?
Replies: 22
Views: 1910

Will REIT's Protect You From Inflation?

Can REIT's be a hedge against inflation? I am not talking about your regular 2-3% inflation. No, I am referring to unanticipated runaway inflation just like the rampant inflation we had in the 1970's.
by rattlenap
Mon May 01, 2017 12:07 am
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's Legacy!
Replies: 19
Views: 2849

John Bogle's Legacy!

I don't say this to be mean, because we all love Jack and what he has done for investors. Yet has it occurred to anyone that John Bogle is in the final act of his life? He's about to turn 89 soon. I really hope he lives another 10 years because I simply can't enough of him. Honestly, he is one of a ...
by rattlenap
Sun Apr 30, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Saving for mortgage
Replies: 8
Views: 971

Re: Saving for mortgage

We have been saving for our mortgage, which is about 180K. We are keeping that in a credit union with an interest rate of 0.1%. We may be buying our first house in 3 to 6-month time. Is it worth moving that money to banks such as Ally or Discover that offers better interest rate? Any other options ...
by rattlenap
Sun Apr 30, 2017 3:40 am
Forum: Investing - Help with Personal Investments
Topic: Buying Individuals Stocks In A Roth IRA?
Replies: 7
Views: 973

Buying Individuals Stocks In A Roth IRA?

Just curios, but can you buy individuals stocks in a Roth IRA at Vanguard?
by rattlenap
Sun Apr 30, 2017 3:13 am
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 7738

Re: Another "Why Bonds?" / Buffett 90/10 thread..

The only problem with the this type of portfolio is what if you were doing it during say the crash of 2008-2009? Keep in mind now that it took 3 years for the S&P 500 to fully recover. And lets say you withdrew from that 10% during this period rather than the S&P. Well, once the S&P rec...
by rattlenap
Sun Apr 30, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 7738

Re: Another "Why Bonds?" / Buffett 90/10 thread..

The only problem with the this type of portfolio is what if you were doing it during say the crash of 2008-2009? Keep in mind now that it took 3 years for the S&P 500 to fully recover. And lets say you withdrew from that 10% during this period rather than the S&P. Well, once the S&P reco...
by rattlenap
Fri Apr 28, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9617

Re: Vanguard has switched to brokerage only accounts

What is the difference between brokerage and non-brokerage account? Did I miss something here?
by rattlenap
Fri Apr 28, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4549

Re: Stay Out Of REITs?

Depends on what strategy you use: 1) Simplicity -- yep, stay out -- pick whatever the TSM give you. 2) Splice and dice but fixed percentages where you have good auto-rebalancing tools -- keep with whatever percentage you previously had 3) You don't have anything now, you want to get into REITS and ...
by rattlenap
Fri Apr 28, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4549

Re: Stay Out Of REITs?

Keep in mind that if you own Total Stock Market (or MidCap or SmallCap), then you own REIT's. True for TSM, but in a very haphazard way. For other funds, it depends--some exclude REITs, and others don't. I really wish all funds just excluded REITs, since it would make it a lot easier just to pick m...
by rattlenap
Fri Apr 28, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4549

Re: Stay Out Of REITs?

REITs have been more advantageous to me than international stocks. I'm not saying that international won't have its day, but it's hard to dismiss these returns: From May 4, 2007 - April 2017, international returned 2.77% From May 4, 2007 - April 2017, REITs returned 65.71% ... and that's without di...
by rattlenap
Thu Apr 27, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4549

Stay Out Of REITs?

Would it be wise to stay out of REITs given their valuations? Since we've had low interest rates over the last several years, people have been piling into REITs chasing yield.
by rattlenap
Tue Apr 18, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6609

Re: Is there any reason a buy-and-hold investor would buy gold?

Take it from someone who owned gold in the past. I bought it back in 2001 when the spot price was below $300 an ounce and sold it later on in the decade at I think $850 at spot price. It only goes up in value when people think the sky is falling. Trust me on this! The timing of when I did buy it wa...
by rattlenap
Mon Apr 17, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6609

Re: Is there any reason a buy-and-hold investor would buy gold?

Take it from someone who owned gold in the past. I bought it back in 2001 when the spot price was below $300 an ounce and sold it later on in the decade at I think $850 at spot price. It only goes up in value when people think the sky is falling. Trust me on this! The timing of when I did buy it was...
by rattlenap
Tue Apr 11, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I just invest in one Mutual Fund
Replies: 25
Views: 1635

Re: Should I just invest in one Mutual Fund

I invest in just 1 mutual fund across all of my accounts (401k, Roth IRA and Taxable) and that being the Vanguard Balanced Index. Luckily I have access to it via my 401k.
by rattlenap
Sun Apr 09, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for emergency cash
Replies: 14
Views: 1952

Re: Vanguard funds for emergency cash

I just keep all of my EF in the taxable account settlement fund, which is of course the Vanguard Federal Money Market Fund.
by rattlenap
Fri Mar 31, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2802

Re: Vanguard Balanced Index Fund In Retirement?

Based on this thread I was running PV and, as always, the time period matters a lot. VBINX looks like a loser when you start in 2000. I moved the start year to 2004, my retirement year, and suddenly everything looked different. Beware back testing. The reason I started right in 2000 is that was dur...
by rattlenap
Wed Mar 29, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2802

Re: Vanguard Balanced Index Fund In Retirement?

Try back testing vwelx (wellington) and vwinx (wellesley), they both outperformed balanced fund with less fluctuation. Of course they did. Yet they are actively managed though. The balanced fund represents the broad U.S. stock and bond markets, is also an index fund and you know what you're going t...
by rattlenap
Wed Mar 29, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2802

Vanguard Balanced Index Fund In Retirement?

I know John Bogle has often recommended the Vanguard Balanced Index Fund as your sole fund. Yet what if you're in retirement? Is the 60/40 a sound AA? I did a back test via Portfolio Visualizer starting from 2000 and on with a $1 million and a 4% withdraw rate. With both crashes during that decade a...
by rattlenap
Mon Mar 13, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 8757

Re: Is the Vanguard Balanced Index Fund all you need?

I have about 1/3 of my retirement funds in the Balanced Index (Roth) and about 2/3 in five other funds in a traditional IRA. I am 75 and every year I convert some of my traditional to Roth. Eventually I plan on having all the funds in the Roth with the Balanced Index fund. I like the 60/40 mix and ...
by rattlenap
Sun Mar 12, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 17
Views: 794

Re: Diversify Your Emergency Fund?

I was speaking more from the perspective of mitigating risk than anything. If we have had a repeat of 2008-2009 or even worse. Money Markets funds can break the buck, there can be a run on banks, etc. It's the same approach as investing by not putting all of your eggs in 1 basket.
by rattlenap
Sun Mar 12, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 17
Views: 794

Diversify Your Emergency Fund?

I know the crash of 2008-2009 is still fresh in the minds of investors, well Bogleheads at least. We all know how nasty that crash was and just how close it brought us to the edge of the cliff. With this in mind. Do you think it would be prudent to diversify your emergency fund across different acco...
by rattlenap
Sun Mar 12, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: How Many Of You Listen To The Noise?
Replies: 19
Views: 1314

Re: How Many Of You Listen To The Noise?

I sometimes listen to the noise, but more so for amusement than anything. I am smart enough no to let it affect any of my financial decisions. However, it is entertaining to listen to these pseudo financial experts from time to time. So my question to you is. How many of you listen to the noise pur...
by rattlenap
Sun Mar 12, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 8757

Re: Is the Vangaurd Balanced Index Fund all you need?

nura wrote:
ekso wrote:VBIAX has a .08 expense ratio, whereas VTSAX has .05. A 60% higher expense ratio seems like it would be significant, no?

Significant enough to buy a coffee and doughnut each year unless your corpus is in Millions.

Funny how some can be so petty over a few basis points.
by rattlenap
Sun Mar 12, 2017 1:35 am
Forum: Investing - Help with Personal Investments
Topic: How Many Of You Listen To The Noise?
Replies: 19
Views: 1314

How Many Of You Listen To The Noise?

I sometimes listen to the noise, but more so for amusement than anything. I am smart enough no to let it affect any of my financial decisions. However, it is entertaining to listen to these pseudo financial experts from time to time. So my question to you is. How many of you listen to the noise pure...
by rattlenap
Sat Mar 11, 2017 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 26
Views: 3837

Re: Vanguard Federal Money Market Fund (VMFXX)

After reading the responses, I've decided to keep my money in the Vanguard Federal Money Market Fund (VMFXX). Money Market Funds (including VMFXX) are very responsive to changes in short term interest rates. Yes, I agree. Yet they don't have a history of NAV change much like a short-term bond fund,...
by rattlenap
Sat Mar 11, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund for business - best practice?
Replies: 10
Views: 668

Re: Emergency fund for business - best practice?

I own a very small business with 7 employees. I currently hold 3-4 months of expenses in a MM account and add to it each month. The excess is what I use for end of year bonuses which usually draws it back down to the 4-5 month savings. February sales were down dramatically because of the flu knocke...
by rattlenap
Sat Mar 11, 2017 1:32 am
Forum: Investing - Help with Personal Investments
Topic: Is China In An Economic Bubble?
Replies: 26
Views: 1424

Is China In An Economic Bubble?

I've been thinking of investing directly into Chinese Stocks and so have been doing lots of research on the country. Yet after all the research I've done, I am coming to conclusion that China may be in a bubble primarily from Real Estate and commodities. What do you think?
by rattlenap
Wed Mar 08, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 8757

Re: Is the Vangaurd Balanced Index Fund all you need?

If the 60/40 asset allocation is right for you then yes, otherwise consider the 40/60 balanced fund or another balanced fund with an asset allocation that works for you. For the average American a balanced fund is ideal. It automatically rebalances which protects people from not having the "gu...
by rattlenap
Wed Mar 08, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 15632

Re: How Much in Your Emergency Fund And Is It Used?

I have $10k (6 months expenses) that I keep in a taxable account in the Vanguard Federal Money Market settlement fund.
by rattlenap
Wed Mar 08, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Buffett’s bets: how dumb are hedge fund managers?
Replies: 50
Views: 4574

Re: Buffett’s bets: how dumb are hedge fund managers?

I'm amazed Warren could pull off such an impressive feat without a well diversified portfolio of international, emerging markets, bonds, etc. Just a simple S&P 500 index fund. :mrgreen: He made the bet around the time during the crash of 2008-2009 when the S&P was bottoming out. Kind of iro...
by rattlenap
Tue Mar 07, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 8757

Is the Vanguard Balanced Index Fund all you need?

For myself I am a three-fund portfolio guy and we all agree with John Bogle in that simplicity in investing is a great option. Yet if you're a no nothing investor and can handle the volatility of a 60/40 in retirement. Will you do just fine in the long run with the Vanguard Balanced Index Fund as yo...
by rattlenap
Tue Mar 07, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5410

Are Fiat Cars Junk?

I am in the market for an inexpensive used car (under 10k) and came across the following listings in the links below. They have very low mileage and are very inexpensive. Yet they seem too goo to be true. All the reviews I've read on Fiat have been negative. What do you think? http://www.monzacarusa...
by rattlenap
Sun Mar 05, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help With Taxes!
Replies: 4
Views: 400

Need Help With Taxes!

I've already done my taxes yet I just got asked by a friend to help them with theirs. I was thinking of recommending Turbo Tax to them, but am not sure what forms to use. It is just a normal tax filing, they don't own any property, they have 1 itemization for long-term (over 1 year) capital gains lo...
by rattlenap
Sun Mar 05, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4341

The Joys Of Tax Season! :(

Well, I finally did my taxes today. What a time consuming, paper wasteful, brain drain of a mess! At least it's only once a year.

Any of you have difficulty with doing your taxes this year? If yes, what part?
by rattlenap
Wed Mar 01, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice For Buying A Home
Replies: 11
Views: 1125

Re: Advice For Buying A Home

How about if I were to become a licensed Real Estate agent so as to learn what I am getting myself into as well as perhaps bypass Real Estate agent fees? Any thoughts on going this route?
by rattlenap
Tue Feb 28, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice For Buying A Home
Replies: 11
Views: 1125

Advice For Buying A Home

I am a first homebuyer and looking to get into a house here shortly. Are there any books, websites or even advice you might recommend so I can educate myself even further on home buying and getting the best deal I can? Thanks!
by rattlenap
Sun Feb 26, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 69
Views: 5873

Re: Buffett praises index funds, Bogle; unaware of Bogle's statue

P.S. I've previously expressed annoyance at Buffett's too-short utterances that always leave unexplained questions. An obvious one, which continues to go unanswered, is that he has said, over and over again, very plainly, variations on this: Both large and small investors should stick with low-cost...
by rattlenap
Fri Feb 24, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6451

Re: Market Run Ups - Now vs. Then

... Though the portfolio as whole will go down, by holding individual funds you could withdraw from the fund(s) that are doing well at that moment and time while allowing the fund(s) crashing their chance to recover without withdrawing from them. Math is math? So I guess you knew that 2 + 2 = 4, co...
by rattlenap
Fri Feb 24, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6451

Re: Market Run Ups - Now vs. Then

... The only problem with all in one funds including VBINX is if you are still holding it in retirement and withdrawing from it, when the market goes down, it takes the value of the whole fund down with it as well. So you're basically withdrawing the money at a reduced amount. If you held the asset...
by rattlenap
Fri Feb 24, 2017 12:09 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6451

Re: Market Run Ups - Now vs. Then

Although not recommended here usually, if you continuously rebalance, you will deal with quick market run-ups by constantly taking some (undeserved?) gains off the table. So if the market has a big downturn, you will be sitting pretty with run-up money safe and sound. So a, say, 50/50 allocation wi...
by rattlenap
Thu Feb 23, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6451

Re: Market Run Ups - Now vs. Then

Reading all these responses is exactly why I have a 60/40 AA at 41. I couldn't handle being 100% in stocks and potentially watching them drop 50%. I am not very risk averse. So -50% scares you but -30% you can sleep well at night? Yes, I'd sleep very well with a 30% drop. It's because I also unders...
by rattlenap
Thu Feb 23, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6451

Re: Market Run Ups - Now vs. Then

Reading all these responses is exactly why I have a 60/40 AA at 41. I couldn't handle being 100% in stocks and potentially watching them drop 50%. I am not very risk averse.
by rattlenap
Sun Feb 19, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 26
Views: 3837

Re: Vanguard Federal Money Market Fund (VMFXX)

After reading the responses, I've decided to keep my money in the Vanguard Federal Money Market Fund (VMFXX).

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