Search found 221 matches

by spdoublebass
Sat Oct 21, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 864

Re: TIAA Questions

I only spent 5 years out of a 40 year career with the institution that established a small RA account but I held on to it. Over thirty years later I was able to roll my Fidelity and Wells accounts into the 403b as a GSRA. This gave me access to VG Institutional funds along with TRAD and TREA. I fee...
by spdoublebass
Sat Oct 21, 2017 12:33 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 52
Views: 3365

Re: Why do I need bonds? (I'm 30)

I’ll let other people answer your question who are far more qualified to do so. I wanted to say for me, age 34, I decided on a 90/10 AA. I thought of going 100% stock but decided not to for two reasons: 1. I’m new to this and I wanted to get a feel for how Bonds funds function and react. I can do th...
by spdoublebass
Fri Oct 20, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 864

Re: TIAA Questions

I’m following what was written above, but I see that with the two funds I listed, one was under the variable annuity and the other under the access annuity. I believe the difference is that the variable annuity is an annuity, the access one I can choose to make an annuity later on. I will review all...
by spdoublebass
Fri Oct 20, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 864

Re: TIAA Questions

Are there no Vanguard funds available with your school's TIAA plan? I ask, because our TIAA plan does have the Vanguard funds available as choices. Only a few. The Wellington, a SCV, and I think a IT treasury bond fund. Again, this is not a lot of money, but I just wanted the best all around fund. ...
by spdoublebass
Thu Oct 19, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 864

TIAA Questions

I recently opened a 403B (GRSA) at TIAA. I have read the Wiki and searched the forum, some of the forum posts were from a while ago, and I'm still not clear on a few things. 1. I wanted to invest in the Vanguard equivalent of VTI (Total Stock Market). From what I read TIAA Access Equity Index Fund T...
by spdoublebass
Sat Oct 14, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13813

Re: What's your asset allocation and why?

90/10 AA with a glide path mapped out. 45% VTI (Total Stock Market) 45% VT (Total World Stock) 7% BND (Total Bond Market) 2% BNDX (Total International Bond) 1% VWOB (Emerging Market Bond) I couldn't decide on Domestic only or World market weight so I do half and half. I know there are other ways to ...
by spdoublebass
Sat Oct 07, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14794

Re: Dividends vs. Capital Gains for Spending Needs?

I went on the internet & found out the 15% Federal Income Tax level is $37,950. No taxes are due on dividends if you earn less than this amount. However, some State Tax might have to be paid (depends on the State). When I did my taxes last year (2016) because I earned less than $37,950 my dividends...
by spdoublebass
Fri Oct 06, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14794

Re: Dividends vs. Capital Gains for Spending Needs?

Good morning everybody, (New day, new thoughts...I slept on this last night) The problem is: Selling off the portfolio. There are lot of people that don't want to sell off their portfolio for various reasons. Well, I do not invest in dividend ETF's, I just use TSM, BUT...I want to thank you for you...
by spdoublebass
Thu Oct 05, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4121

Re: So... What bond fund or bond-like instrument do you use?

I am in the process of changing all positions in Vanguard Mutual Funds to Vanguard ETFs. For learning purposes only... may I ask a question? I too use ETF's. However, I was reading on this forum the other day about the differences between ETF and mutual funds regarding Bonds. There are a few posts ...
by spdoublebass
Mon Oct 02, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Why Long-Term Corporate Bonds (e.g. VBLTX) so Unpopular?
Replies: 15
Views: 2207

Re: Why Long-Term Corporate Bonds (e.g. VBLTX) so Unpopular?

I've always wondered about this fund (BLV,VBLTX) as well. I understand the risk aspect of the fund (and this fund is Treasury and Corporate) but it still seems to perform. I won't name names, but I remember reading on this forum from a person who often posts that this fund is usually always at the t...
by spdoublebass
Mon Sep 25, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 964

Re: Pay student loans versus invest

I don't normally give any advice on this forum because my investing knowledge is lacking. However, I am familiar with student loans. That being said the information listed below may not apply to you, but I thought it might be useful for other people. Some facts I learned about student loans are as f...
by spdoublebass
Mon Sep 25, 2017 2:14 am
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 964

Re: Pay student loans versus invest

Are the loans Direct Subsidized and Unsubsidized loans or private loans?
If they are Direct loans, did you consolidate them based on your income? (IBR, PAYE, REPAYE)
by spdoublebass
Wed Sep 20, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 959

Re: TIAA (GSRA) Traditional

Thanks for all the help. I found out a few new things with the 403B I'm offered. What I was trying to do is open the 403B to have access to the TIAA TRAD fund. The catch is that I don't make very much money at this institution, as I'm only adjunct faculty. I called them today and learned: The Good= ...
by spdoublebass
Mon Sep 18, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 959

Re: TIAA (GSRA) Traditional

In 2013, I realized that I had a small, long ignored, RA account with TIAA from 75-80 employer. When I noticed that the old employer plan gave me access to VG institutional index funds along with TRAD & TREA, I rolled my 401k and IRA into a GSRA. I have used TRAD and TREA for diversification - with...
by spdoublebass
Mon Sep 18, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 959

Re: TIAA (GSRA) Traditional

Thank you both for the replies and the links. Very helpful. Still not completely up to date on TIAA, but things are more clear. I find the TIAA Trad to be something I should go ahead with in addition to TBM in my other retirement accounts. 3% guaranteed is nice. From what I read the 3% guaranteed is...
by spdoublebass
Mon Sep 18, 2017 1:49 am
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 959

TIAA (GSRA) Traditional

I have a simple Boglehead portfolio. I realized I have access to TIAA (gsra) traditional through a 403B. I have read the forum regarding this topic and still have some questions. 1. It was mentioned that other types of TIAA traditional accounts are less liquid, such as the RA instead of the GSRA. My...
by spdoublebass
Fri Sep 15, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7586

Re: Vanguard advisor on dividends

Yes! Sticking to a plan is important. The trick is finding a plan that you won't regret. A couple of thoughts. You're 23 years old. What this means is that you don't have decades of investing experience so you're going to have to read a bit of history and learn from people who have had a bit more e...
by spdoublebass
Thu Sep 14, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7586

Re: Vanguard advisor on dividends

The issue in the context of Mr. Bogle's comment comes when a person wants to take withdrawals from the portfolio rather than making contributions or just leaving it alone. The dividend investor decides at that point that withdrawals have to be dividends paid by the investments in the portfolio and ...
by spdoublebass
Thu Sep 14, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7586

Re: Vanguard advisor on dividends

If you want to engineer your portfolio to pay out more in dividends you invest some larger or smaller fraction of it in assets that pay higher dividends. I don't understand why there is a question about how one would implement this. [/quote] You answered my question above. Thanks. I didn't literall...
by spdoublebass
Thu Sep 14, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7586

Re: Vanguard advisor on dividends

My suspicion is that he will say something like what I have said above. That is that interest and dividends are more reliable and predictable than capital gains. Senior citizens are not irrational in wanting reliable and predictable. That all being said, I will likely use a total return approach in...
by spdoublebass
Thu Sep 14, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4304

Re: How often do you put money in Vanguard

Monthly. OP: Curious why you ask. Are you trying to decide whether to add weekly, monthly, quarterly? There are several considerations (DCA, Taxable lot management, etc.) so you might want to expand your question to include background. Yes, I'm considering how I should put money into my account. I ...
by spdoublebass
Tue Sep 12, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

This is mostly mythology. The golden ration doesn't feature in the human body, it isn't even close to true that 'all flower pedals' feature it, it isn't in the design of the Parthenon, it isn't in the ratio between males and females in bee hives. You are right. I should have checked the sources of ...
by spdoublebass
Tue Sep 12, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

Why not Pi, e, or any other irrational number? off the top of my head, those irrational numbers aren't found as often in life. Pi is found in each and every circle in existence. How can that be construed as "not as often"? Very true. :oops: Now that you mention it, there is even a thing called Pi-Phi
by spdoublebass
Tue Sep 12, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

Why not Pi, e, or any other irrational number? off the top of my head, those irrational numbers aren't found as often in life. Our physical body is proportional to .618, even our own logo, sunflower seeds on the flower (all flower pedals actually), Parthenon, if you divide the number of female bees...
by spdoublebass
Tue Sep 12, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

Why not Pi, e, or any other irrational number? off the top of my head, those irrational numbers aren't found as often in life. Our physical body is proportional to .618, even our own logo, sunflower seeds on the flower (all flower pedals actually), Parthenon, if you divide the number of female bees...
by spdoublebass
Tue Sep 12, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Golden Ratio (also in Bogleheads logo) Fibonacci

I recently discovered the Golden Ratio. To be honest, I had never heard of it before. I had to research how it is found in classical music (mainly Bartok, but others insist the ratio appears in Beethoven and Mozart) for my doctorate. Of course being a new Boglehead, I immediately thought to search t...
by spdoublebass
Sun Sep 10, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Yes Virginia, you can lose money in bonds
Replies: 36
Views: 4863

Re: Yes Virginia, you can lose money in bonds

I think it's reasonable to assume that, at some point in the future Central Banks will let inflation get away from them. Lessons are seldom learned permanently. Which is why many Bogleheads (myself included) have at least some allocation to TIPS in their bond portfolios. :wink: Yep. Just for learni...
by spdoublebass
Sun Sep 10, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Yes Virginia, you can lose money in bonds
Replies: 36
Views: 4863

Re: Yes Virginia, you can lose money in bonds

I think it's reasonable to assume that, at some point in the future Central Banks will let inflation get away from them. Lessons are seldom learned permanently. Which is why many Bogleheads (myself included) have at least some allocation to TIPS in their bond portfolios. :wink: Yep. Just for learni...
by spdoublebass
Sat Sep 09, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Index Distribution Question
Replies: 4
Views: 468

Re: Vanguard Total World Index Distribution Question

I don't know the reason why, but if you look at VXUS (total international) had a low dividend in the first quarter. Which would make sense. As to why that would happen I don't know. It wasn't by itself low.
by spdoublebass
Fri Sep 08, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: "The Market" Portfolio
Replies: 26
Views: 3176

Re: "The Market" Portfolio

All of my stock/bond holdings are in Sharpe's market portfolio . I read a little about Sharp and market portfolio. Really don't get it yet. Can you explain the bold meaining to me if possible in a short version. Thanks [/quote] I'll take a stab at this, only because I have read about it. I am not a...
by spdoublebass
Thu Sep 07, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Appreciate any guidance on my portfolio
Replies: 8
Views: 841

Re: Appreciate any guidance on my portfolio

I am not a person who should be giving advice on this forum, but....

I know you are 100% equities, which is fine, but know that if/when you you add bonds, the G fund if great.

https://www.bogleheads.org/wiki/G_Fund
by spdoublebass
Sun Sep 03, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

Personally, I struggle to understand Group 2. I ran the numbers a while ago, and this really doesn't seem to have displayed any advantage in the past, compared to a Group 1 strategy. Int'l bonds are just too similar to US bonds... So I'd ponder about a "Group 3b", mixing US bonds and EM bonds, to b...
by spdoublebass
Sun Sep 03, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

My portfolio has lots of EM equity, so I doubt EM bonds would be a great diversifier for me. Though I haven’t tried to backtest. That's a really good point. EM Bonds does display significant correlation with EM Equities (0.58 on a monthly basis) - while US equities and US bonds are much more decorr...
by spdoublebass
Sat Sep 02, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

longinvest wrote:
Sat Sep 02, 2017 7:15 am

This would give 13 months return. To get 12 months return:
-Select September 2016 to August 2017 as a time frame
Thank you for this information. I should have caught that, but I honestly didn't.
by spdoublebass
Sat Sep 02, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

If you look at my last post showing inflation and year by year returns for Total Bond Market, you can easily figure each year's real return by subtracting the inflation figure from annual return return figure. The result is "real" return. For example, in 1986, the first year Mr. Bogle introduced th...
by spdoublebass
Sat Sep 02, 2017 12:42 am
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

MIpreRetirey wrote:
Sat Sep 02, 2017 12:37 am
^^^ spdoublebass,

In the Summary tab, the final balance has a little "i" next to it. Mouse over it for real dollar final balance.
Holy cow, you just changed my world. Thank you.

My apologies for sidetracking this thread.
by spdoublebass
Sat Sep 02, 2017 12:28 am
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

One last question if I may. Is there any other place to find the "real" return? Or maybe, is there a way to calculate this on your own from the YTD or another stat? Or is this morningstar the only place to easily see it? https://www.portfoliovisualizer.com/ will give you inflation-adjusted returns....
by spdoublebass
Fri Sep 01, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

I've noticed that column before. In the spirit of learning can someone please define and explain the difference between YTD and the "real" 12 month return? Preferable in laymens terms. I know YTD is only from the beginning of the year...so not a full 12 months. Again, I'm only trying to learn. I cu...
by spdoublebass
Fri Sep 01, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Vanguard Total Bond Market Index Fund

Bonds are for safety--not higher return (use a greater percentage of stocks in your portfolio for higher return). This is one reason why Vanguard Total Bond Market Index Funds, which has never had an annual loss greater than -2.66%, is now the largest bond fund in the world. Ok, sorry, but I have r...
by spdoublebass
Fri Sep 01, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

I've noticed that column before. In the spirit of learning can someone please define and explain the difference between YTD and the "real" 12 month return? Preferable in laymens terms. I know YTD is only from the beginning of the year...so not a full 12 months. Again, I'm only trying to learn. I cu...
by spdoublebass
Fri Sep 01, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

I've noticed that column before. In the spirit of learning can someone please define and explain the difference between YTD and the "real" 12 month return? Preferable in laymens terms. I know YTD is only from the beginning of the year...so not a full 12 months. Again, I'm only trying to learn. I cur...
by spdoublebass
Mon Aug 28, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Bonds/Inflation/Duration
Replies: 8
Views: 1023

Re: Bonds/Inflation/Duration

OP, are you referring to Swedroe's "The Only Guide to a Winning Bond Strategy You'll Ever Need"? Or to Thau's "The Bond Book" (Swedroe is not a coauthor) ? I highly recommend the latter. The above responses are excellent but if you want to learn things in even greater detail I recommend checking th...
by spdoublebass
Mon Aug 28, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: Bonds/Inflation/Duration
Replies: 8
Views: 1023

Re: Bonds/Inflation/Duration

Thank you both very much. You have no idea how helpful this was to me.

Seriously, thank you.
by spdoublebass
Mon Aug 28, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: Bonds/Inflation/Duration
Replies: 8
Views: 1023

Bonds/Inflation/Duration

I'm going to be very direct. I will be reading Swedroe's The Bond Book soon, but I cannot right now do to work etc. I only invest in the TBM. I am not arguing anything, I'm only asking to learn. I would also respectfully ask for responses to be in laymen terms. I've read that for a bond fund with 6 ...
by spdoublebass
Sat Aug 26, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: All areas will have Obamacare plan in 2018
Replies: 14
Views: 1706

Re: All areas will have Obamacare plan in 2018

These limited doctor plans (Obama Care) may very well work for routine and preventive care, but they are fraught with risk if you get seriously ill and really need them. Good luck negotiating a referral to an interventional cardiologist if you develop a leaking heart valve. You may be able to get a...
by spdoublebass
Fri Aug 25, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4021

Re: John Bogle video (discusses international)

Since the US verse International debate is something I pay attention to, I find this video and thread wonderful. I am in no way an authority on anything regarding investing. I am not speaking as one. As someone who wants to learn, I wish these topics (when they are being debated publicly on this for...
by spdoublebass
Thu Aug 24, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3493

Re: Total World (VT, VTWSX) Tilt? Simplicity...

I think pascalwager provided that link because it ended with this: A better approach may be to split your holdings between just two funds, which will allow you to participate in both US and foreign stocks but do so with higher returns. For example, you can own US stocks through the Vanguard 500 Ind...
by spdoublebass
Thu Aug 24, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3493

Re: Total World (VT, VTWSX) Tilt? Simplicity...

Doublebass wrote: I'm almost inclined to just drop the tilts and split my equities 50/50 between TSM and Total World. I know most people would just label that 75% Domestic and 25% International, but that's not always the case. If I held 50% TSM and 50% total World then half of my money would go tow...
by spdoublebass
Thu Aug 24, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old seeking reassurance and critiques of Roth IRA ETF portfolio asset allocation
Replies: 11
Views: 719

Re: 24 year old seeking reassurance and critiques of Roth IRA ETF portfolio asset allocation

I do not want to give you advice because I am nowhere near as knowledgable as others on this site. I can share some things that I've pieced together from reading as much of this forum as I could the last 6 months. -Great job of doing this at 24. -When I put my first portfolio together I had many fun...
by spdoublebass
Wed Aug 23, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3493

Re: Total World (VT, VTWSX) Tilt? Simplicity...

I like TSM about as well as I like any fund in the world. Low cost. Covers the entire US market. I wouldn't give up the chance to invest in that, readily. Just for clarification, you mean consider splitting Total World into separate funds, because of your respect for TSM? I'll be completely honest ...