Search found 3802 matches

by stemikger
Wed Aug 17, 2016 8:59 am
Forum: Investing - Theory, News & General
Topic: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks
Replies: 45
Views: 4849

Re: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks

There is no right or wrong answer. If you feel more comfortable holding international that is fine. I personally agree 100% with John Bogle when it comes to this and I have only ever held 2 funds U.S. Stocks and U.S. Bonds. In retirement, I plan to own one fund the U.S. Balanced Index Fund. That is ...
by stemikger
Tue Aug 16, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is Warren Buffet Right About The S&P 500?
Replies: 34
Views: 5744

Re: Is Warren Buffet Right About The S&P 500?

I would never bet against Warren Buffett. Having said that, all of my equity held in my 401K is in the institutional index fund. I totally agree with Warren. I also hold a small amount in my IRA which is in the Balanced Index Fund. I think the returns of the S&P and TSM are so close it really do...
by stemikger
Mon Aug 15, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: what to buy when stock market is a new high?
Replies: 37
Views: 5227

Re: what to buy when stock market is a new high?

Still have about 150k in my Vanguard account, what to buy now? Thinking of buying total domestic stock market index and an energy index fund, but they are also at high point? should I wait for a pull back? thanks Is this a taxable or tax deferred? If it is a tax deferred retirement plan, it shouldn...
by stemikger
Sun Aug 14, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: "The Minority of Investors" ... Billionaires
Replies: 35
Views: 3639

Re: "The Minority of Investors" ... Billionaires

I was never under the illusion that index funds will get me super rich. I am hoping I will do better than my neighbors and have more and more financial security with each passing year. That's enough for me.
by stemikger
Sat Aug 13, 2016 6:40 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis on Wealthtrack.com tonight. Link provided.
Replies: 14
Views: 1631

Re: Charles Ellis on Wealthtrack.com tonight. Link provided.

Nothing new for seasoned Bogleheads, but great info well presented by Mr.Ellis. Thanks for sharing! I don't think it's outlandish, but his view on bonds may be a little contentious with some on here (@around 21:30) +1 I don't agree with 50% in international. I also don't agree with holding such a l...
by stemikger
Fri Aug 12, 2016 10:32 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis on Wealthtrack.com tonight. Link provided.
Replies: 14
Views: 1631

Re: Charles Ellis on Wealthtrack.com tonight. Link provided.

Thanks, I always enjoyed Charles Ellis. I'll listen to him later.
by stemikger
Fri Aug 12, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 85
Views: 7083

Re: Bogle & Buffett on International Investing

I don't invest in International because of simplicity. I am sticking to my two fund portfolio plan. In my opinion it won't make much of a difference anyway. +1 I'm in the same camp. I have been investing in my 401K for 22 years now and never held international. I also love simplicity and believe mo...
by stemikger
Fri Aug 12, 2016 12:41 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 85
Views: 7083

Re: Bogle & Buffett on International Investing

I don't invest in International because of simplicity. I am sticking to my two fund portfolio plan. In my opinion it won't make much of a difference anyway. +1 I'm in the same camp. I have been investing in my 401K for 22 years now and never held international. I also love simplicity and believe mo...
by stemikger
Fri Aug 12, 2016 12:35 am
Forum: Investing - Theory, News & General
Topic: Anyone looking at changing AA in presence of Current Valuations?
Replies: 71
Views: 3267

Re: Anyone looking at changing AA in presence of Current Valuations?

Nobody knows nothing ~ John C. Bogle After Warren Buffett came out and said bonds are dangerous, it was as if I was a beginner investor (after 20 years) and changed my asset allocation due to the fact that it came from Warren Buffett. It was not a good way to live a happy investing life. Not that I ...
by stemikger
Tue Aug 09, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: flipping houses
Replies: 31
Views: 3252

Re: flipping houses

The only way I can see choosing flipping houses over passive investing is if you absolutely love it and want to turn it into a full time profession. Other than that, I can see no other reason to choose this over a passive approach.
by stemikger
Mon Aug 08, 2016 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 138
Views: 9329

Re: How does a Boglehead save for child's education?

Posted by frair1610 The bachelors degrees had to be completed in 4 years. I was fortunate that in respect. She got her BA in 3 years. She was also offered a job at her first year internship, so that's really going to help. She is thinking about getting her PHD and I said, that's all up to you,.
by stemikger
Mon Aug 08, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 138
Views: 9329

Re: How does a Boglehead save for child's education?

I saved in a 529 and had the first year of her undergrad paid off. I cash flowed the rest.

She currently has one more year and will have a Masters degree, I have one more payment left and I'm home free and she ill have no student loan debt.
by stemikger
Mon Aug 08, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 52
Views: 4718

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

I didn't read the other replies yet, but I would not listen to Dave Ramsey when it comes to investing advice. If you need motivation to get out of debt, he is good at that, but his investing advice is not very good and can even be harmful.
by stemikger
Sun Aug 07, 2016 8:05 am
Forum: Investing - Theory, News & General
Topic: Help me simply understand why Bonds now?
Replies: 50
Views: 5893

Re: Help me simply understand why Bonds now?

I found this very helpful.

https://www.youtube.com/watch?v=rZgN6lVRytg

Vanguard speaks in plain english unlike many other fund companies and even some folks here. As an average Joe, I appreciate that very much!
by stemikger
Thu Aug 04, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 99
Views: 7818

Re: Avoid International?

John Bogle is not a fan of international but he also says it is the one piece of his advice that we should decide on ourselves. If you fee it is necessary he advises than no more then 20%. He also does not agree with alternative asset classes. When he speaks of diversification, he is talking about s...
by stemikger
Fri Jul 29, 2016 11:40 pm
Forum: Investing - Theory, News & General
Topic: are the markets overvalued? Are Grantham/Hussman etal correct?
Replies: 222
Views: 13823

Re: are the markets overvalued? Are Grantham/Hussman etal correct?

Toons wrote:No.
Just keep investing regardless,,
:D


+1

Press On Regardless ~ John C. Bogle :beer
by stemikger
Thu Jul 28, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 178
Views: 9625

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

The problem is buy , hold, and re-balance. For many people including me, it was a big jump to do slice and dice plus re-balancing. So, a person should start with something like balanced fund and / or fund of funds in order to take emotion out of re-balancing. KlangFool. Just hold the Vanguard Balan...
by stemikger
Tue Jul 26, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6602

Re: John Bogle's home

Honestly, I'm from a different generation than my parents. I asked them why they bought such a large home with a vast front yard and gigantic backyard in 1967. They told me it was so the kids could play outside. Some 50 years later, and with regular heat waves.. that doesn't look so much like a thi...
by stemikger
Tue Jul 26, 2016 12:22 am
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6602

Re: John Bogle's home

I was always fascinated how Warren Buffett never left the house he purchased in 1958 for $31,500. . Just to put this somewhat in context, my parents bought a home in Queens, in NYC in 1954 for $15,000 and my then spouse and I bought a house in the best school district in Suffolk County, N.Y. in 196...
by stemikger
Mon Jul 25, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6602

Re: John Bogle's home

I was always fascinated how Warren Buffett never left the house he purchased in 1958 for $31,500. I was wondering if John Bogle was in the same camp and if Taylor or Mel ever visited him there. I once heard Jack say in an interview that he and his wife were not going to take social security so he w...
by stemikger
Mon Jul 25, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 6602

John Bogle's home

I was always fascinated how Warren Buffett never left the house he purchased in 1958 for $31,500. I was wondering if John Bogle was in the same camp and if Taylor or Mel ever visited him there. I once heard Jack say in an interview that he and his wife were not going to take social security so he wa...
by stemikger
Mon Jul 25, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 178
Views: 9625

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

Good question. I didn't get a chance to read the other replies yet, so forgive me if this was already mentioned. Warren Buffett actually promotes this strategy for the average investor. He tells the average person who does not have the time or inclination to be an active investor to simply buy a lo...
by stemikger
Mon Jul 25, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 178
Views: 9625

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

Good question. I didn't get a chance to read the other replies yet, so forgive me if this was already mentioned. Warren Buffett actually promotes this strategy for the average investor. He tells the average person who does not have the time or inclination to be an active investor to simply buy a low...
by stemikger
Sun Jul 24, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Bonds at an historic high; time to get out?
Replies: 37
Views: 3389

Re: Bonds at an historic high; time to get out?

I am 68, semi-retired, and have 60% of my savings in bonds and bond funds. Since safety of principal is of primary importance I am staying away from all but short to intermediate term treasuries and high investment grade US corporates. However, as interest rates continue to fall and bond prices con...
by stemikger
Sat Jul 16, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Stocks at all time high?
Replies: 34
Views: 3995

Re: Stocks at all time high?

Go to YouTube and put John Bogle's name in the search engine. Let his 65 years of experience show you the way and listen to his advice. In the meantime, ignore the noise, don't look at the silly stock market and don't peek at your account. If you must, no more then once a year and keep investing. I'...
by stemikger
Fri Jul 15, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Options trading
Replies: 33
Views: 1941

Re: Options trading

Don't drive yourself crazy trying to decode the latest theories about investing, such as options pricing or betas. In most cases, your better off not even knowing about these cutting-edge systems ~ Warren Buffett Fall Back on Simplicity ~ John Bogle As a Boglehead, I keep things simple. Invest in in...
by stemikger
Fri Jul 15, 2016 6:37 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 8360

Re: Jack Bogle on International Investing at Bogleheads 11

Anyone's thoughts changed since the time of this post? No. Still don't hold international. I still feel by investing in the S&P or Total Stock Index I get indirect international exposure so I feel I already have an international portfolio without the added risk (i.e. currency risk, stability ri...
by stemikger
Thu Jul 14, 2016 11:48 pm
Forum: Investing - Theory, News & General
Topic: When you feel like giving up.
Replies: 5
Views: 1718

Re: When you feel like giving up.

selftalk wrote:He`s right. Thank you for the video.


:beer
by stemikger
Thu Jul 14, 2016 5:11 pm
Forum: Investing - Theory, News & General
Topic: When you feel like giving up.
Replies: 5
Views: 1718

When you feel like giving up.

This is one of my favorite videos of Jack.

If you feel like giving up watch Part 3. Short but very inspiring.

https://www.youtube.com/watch?v=MJ6tF_G02ww
by stemikger
Thu Jul 14, 2016 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6358

Re: Private vs State School?

Posted by Protagonist Then again, I suppose there are other reasons, besides money, why a small private college might be better for some people than a huge state school- providing you are willing and able to spend the extra cash for the sake of his "experience". If you have $6M invested, ...
by stemikger
Tue Jul 12, 2016 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6358

Re: Private vs State School?

What are the pros and cons of private college vs state? One of the schools costs 260,000 for 4 years The other one cost 76,000 for 4 years Hopefully he is getting more bang for his buck :mrgreen: I agree! I vote for the State School! But this is kind of late to ask. It's a hard call now because you...
by stemikger
Tue Jul 12, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: gearing [using Leverage]
Replies: 32
Views: 1953

Re: gearing [using Leverage]

If you're smart you don't need it, if you're dumb you have no business using it ~ Warren Buffett I am not sure how true this is.. A lot of millionaires and people how own companies basically reinvest all of their income/companies income into their company. And take out loans for their personal expe...
by stemikger
Tue Jul 12, 2016 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: gearing [using Leverage]
Replies: 32
Views: 1953

Re: gearing [using Leverage]

If you're smart you don't need it, if you're dumb you have no business using it ~ Warren Buffett

"Stay away from leverage," he said. "Nobody ever goes broke that doesn't owe money." ~ Warren Buffett
by stemikger
Tue Jul 12, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced Index Fund
Replies: 8
Views: 899

Re: Balanced Index Fund

Would adding Developed Markets to Balanced Index fund be a wise choice :?: :confused :idea: Add International exposure to a well Balanced Index fund w/o emerging markets. Vanguard Balanced Index Fund Admiral Shares (VBIAX) - 80% https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&Fun...
by stemikger
Tue Jul 12, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 like 60/40
Replies: 6
Views: 1063

Re: 50/50 like 60/40

I don't think it's worth all the extra effort. Some years it may do better, some years it may do worse. Keep investing simple and use Taylor Larimore's 3 fund portfolio. Total Stock, Total International and Total Bond. I personally use John Bogle's 2 fund portfolio. Total Stock, Total Bond. That's i...
by stemikger
Mon Jul 11, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Charleston, SC vacation.... any advice?
Replies: 23
Views: 1778

Re: Charleston, SC vacation.... any advice?

We were the last year for 4 days and stayed at the Francis Marion Hotel. It was too stuffy for my taste and a bit on the pricey side. Most places do not have pools, but it's not that kind of vacation. Here's the link. http://francismarionhotel.com/ If you could I would also make a trip to Savannah w...
by stemikger
Sun Jul 10, 2016 7:14 am
Forum: Investing - Theory, News & General
Topic: Brexit - minor blip
Replies: 27
Views: 2055

Re: Brexit - minor blip

all the brexit hype - it turns out to be a non-event and just a 'minor blip'. What is even more surprising is this thing did not last more than 2 weeks ! We watched classic manipulation live :D I agree. On the second really down day, I took it as an opportunity to change my AA from 65/35 to 70/30. ...
by stemikger
Sat Jul 09, 2016 2:21 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 5627

Re: What's your asset allocation and why?

freyj6 Given all the ideas floating around here (and the contention between "lazy" portfolios and more complicated approaches) I'm curious as to what everyone's portfolios actually look like. Do like keep it as simple as possible? Do you try to be as diversified as possible? Do you tilt? ...
by stemikger
Thu Jul 07, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169229

Re: What are you up YTD? [Year To Date]

08/01/2015 to 06/30/2016 is 6.05%
by stemikger
Wed Jul 06, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Townhouse VS Stand Alone House ?
Replies: 8
Views: 811

Re: Townhouse VS Stand Alone House ?

I made this decision 23 years ago. My wife and I didn't have a lot of money but we wanted to buy a home. I am not handy at all and even back then the single family homes were a lot more and were old and needed a ton of work. I knew my wife would not like living in a house like that for many years un...
by stemikger
Sat Jul 02, 2016 7:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Abuss368 has 10,000 posts!!
Replies: 29
Views: 1854

Re: Abuss368 has 10,000 posts!!

:sharebeer Congratulations Abuss368. I know you helped me tremendously.

I appreciate your advice and wisdom!

Steve G.
by stemikger
Sat Jul 02, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: Fixed 60/40 AA in retirement
Replies: 105
Views: 9210

Fixed 60/40 AA in retirement

After hearing John Bogle talk about including social security as part of your fixed income, I have come to the conclusion that 60/40 or possibly 50/50 AA stocks/bonds is as conservative as I will get in retirement. Lostdog was nice enough to send me this article that makes an excellent case for this...
by stemikger
Fri Jul 01, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 23916

Re: Where were you financially when you were at 30?

I'm 52 and I just started to learn about investing back then. I just moved into my new home and I was living paycheck to paycheck. I was 31 when I made my first 401K contribution and that house is now paid off. Just keep plugging away and learn from your mistakes. The first $100K seems to take the l...
by stemikger
Fri Jul 01, 2016 6:32 am
Forum: Investing - Theory, News & General
Topic: "Age in bonds" or "110 minus age = equities"?
Replies: 28
Views: 3098

Re: "Age in bonds" or "110 minus age = equities"?

You have been given all good replies. John Bogle has often said use this as a starting point just to think about it. He also says (however, not so often) that one should include what they get from social security and count that as part of their fixed income allocation). Many disagree when it comes t...
by stemikger
Wed Jun 29, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Just bought into a Target Retirement Fund 2060. Now what?
Replies: 22
Views: 2040

Re: Just bought into a Target Retirement Fund 2060. Now what?

After much thought, I've decided to open a Vanguard Target Retirement Fund 2060, which seems closest to the AA I want. I'd prefer not to hold anything I don't understand such as international stocks and bonds, but I'll just work with what is available to me so far. Other than that, are there any su...
by stemikger
Fri Jun 24, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Age in bonds
Replies: 12
Views: 1502

Re: Age in bonds

Bonds rock. I wonder how the 100% equity people did. We're doing just GREAT!! Thanks for asking. We're still so far ahead that we're just looking at the gain from reinvesting dividends at lower prices! :sharebeer Nothing wrong with that, as long as you know your risk tolerance. I know mine which is...
by stemikger
Fri Jun 24, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Age in bonds
Replies: 12
Views: 1502

Re: Age in bonds

As a novice investor the most valuable thing I've learned so far from Bogleheads is finding the asset allocation that's right for me. I lost 1% today in the Brexit downturn and I'm thrilled. I've settled into the age in bonds approach and I couldn't be happier. No more anxiety over if & when th...

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