Search found 3852 matches

by stemikger
Thu Sep 29, 2016 12:30 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index
Replies: 51
Views: 7113

Re: Warren Buffett recommends putting 90% in S&P500 index fund, 10% in Bond index

Yes, Warren Buffett actually stated on more than one occasion this is what he would recommend for the average investor. Whether he is right or not is anybodies guess. Show me where he is quoted saying this, and when he is not talking about his wife's trust. This is from the 2013 Annual Letter to th...
by stemikger
Thu Sep 29, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: Anybody using Rick Ferri's "Total Economy Portfolio"?
Replies: 25
Views: 3134

Re: Anybody using Rick Ferri's "Total Economy Portfolio"?

Nothing against Rick, but I'll quote John Bogle here: "Just stick with the Vanguard Balanced Index Fund and get on with it" The end Must disagree. There are many times a diversified portfolio has done better in terms of return, risk, and risk adjusted return then Vanguard Balanced Index F...
by stemikger
Wed Sep 28, 2016 9:13 am
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 5397

Re: How it really feels to have investments during a bear market?

Even if you have the right AA it can still feel scary, but if you are too aggressive and don't have the proper attitude, it can feel like a nightmare and cause you to do the wrong thing at the wrong time.

That is why I stick with a balanced portfolio.
by stemikger
Wed Sep 28, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 87
Views: 10596

Re: What are your thoughts on the "Golden Butterfly" portfolio?

I am quoting John Bogle here:

"Just stick with the balanced index fund and get on with it"
by stemikger
Wed Sep 28, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 111
Views: 13021

Re: Net Worth Milestone Today - $1.5M

Awesome!!! Do the happy dance and eat that steak!!

What a great accomplishment!!

:moneybag :beer
by stemikger
Wed Sep 28, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: Anybody using Rick Ferri's "Total Economy Portfolio"?
Replies: 25
Views: 3134

Re: Anybody using Rick Ferri's "Total Economy Portfolio"?

Nothing against Rick, but I'll quote John Bogle here:

"Just stick with the Vanguard Balanced Index Fund and get on with it"

The end
by stemikger
Tue Sep 27, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 64
Views: 3488

Re: Bogleheads for Diet/Nutrition?

I eat what makes me happy. When I see myself gaining weight I just eat less.

No food is off limits but the amount is.

I also try to walk 30 minutes a day on the treadmill and some form of isometrics for strength.
by stemikger
Sat Sep 24, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 33
Views: 4359

Re: "In Defense of Bonds"

Thanks Taylor. A good reminder for all. :beer
by stemikger
Fri Sep 23, 2016 6:03 pm
Forum: Investing - Theory, News & General
Topic: Good video clip of Jack Bogle?
Replies: 2
Views: 284

Re: Good video clip of Jack Bogle?

Here's a few to get him started. The last link is the audio book Common Sense on Mutual Funds by John Bogle https://www.youtube.com/watch?v=TworjuuBamA https://www.youtube.com/watch?v=6Qg959oYCxU https://www.youtube.com/watch?v=byNIu6e7Sbs https://www.youtube.com/watch?v=k6ra5POdsYg https://www.yout...
by stemikger
Fri Sep 23, 2016 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5245

Re: Is A Two-Fund Portfolio All You Really Need?

Toons wrote:One Fund Would Be Just Fine.
Vanguard Balanced Index Fund.

:beer :sharebeer :D :D








:mrgreen:
by stemikger
Fri Sep 23, 2016 2:22 am
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5151

Re: I guess we better peek when it comes to Vanguard

FrugalInvestor wrote:
stemikger wrote:Update, I didn't need to call. I checked again this morning and it had the right amount.

To be fair, this is the first time this ever happened with Vanguard.


I won't say it. :happy


LOL. Forgive me, but this went over my head? :beer
by stemikger
Fri Sep 23, 2016 2:04 am
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5151

Re: I guess we better peek when it comes to Vanguard

Update, I didn't need to call. I checked again this morning and it had the right amount.

To be fair, this is the first time this ever happened with Vanguard.
by stemikger
Thu Sep 22, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 4720

Re: What Percentage To Put In International Stock?

What is the recommended percentage to allocate of your stock section to International Stocks? I hear 20% all the way up to 50%, with the sweet spot and most recommended being 30%. What do you think? We all have to make our own decisions when it comes to this. I choose 0%. I never owned internationa...
by stemikger
Thu Sep 22, 2016 3:57 am
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5151

Re: I guess we better peek when it comes to Vanguard

Posted by in-reality


I know. I wish it wasn't a mistake. LOL.
by stemikger
Thu Sep 22, 2016 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Managed Payout Fund[, opinions, experiences?]
Replies: 17
Views: 1939

Re: Vanguard's Managed Payout Fund[, opinions, experiences?]

John Bogle just did a Webinar hosted by Vanguard to celebrate his 65 years in the business and during the cast, he said he does not believe in commodities, gold and these newer alternative investments. Being Managed Payout holds all three, you would not get Jack's blessing. Just hold two or three fu...
by stemikger
Thu Sep 22, 2016 12:33 am
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5151

I guess we better peek when it comes to Vanguard

I do like John Bogle's advice about not peeking at our accounts, but it looks like we better start. Vanguard made a huge mistake with my account today. I have a small IRA which I never pay much attention to and I transferred the entire amount into the Balanced Index Fund which is 27,018.99. When I l...
by stemikger
Wed Sep 21, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

carolinaman wrote:Playing a really world class golf course like the Ocean Course at Kiawah Island or Pinehurst #2. It helps to have your A game when you play but the experience is worth it regardless.


My 14 year old shi tzu. He truly is my best friend!
by stemikger
Wed Sep 21, 2016 12:02 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

There is probably a ton of little things (like my gillette razorblades that cost $3/blade) that I don't complain much about the cost because I've tried the other types and keep coming back Learn to use a straight razor. $30 bucks for the razor and pure badger shaving brush back in '02, an old leath...
by stemikger
Tue Sep 20, 2016 11:59 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

Living in California, instead of one of those cheap knock-off states people try to talk themselves into! There are only two types of people in this world. People who live in New York and those who wish they could live in New York. I agree. Ithaca NY is awesome. Never been there, but I have a feelin...
by stemikger
Tue Sep 20, 2016 11:57 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

TravelforFun wrote:A cup of Starbucks and a copy of the NY Times on a Saturday morning.


A cup of Dunkin Donuts and copy of the NY Times on a Sunday Morning. Add a bagel with that too.
by stemikger
Tue Sep 20, 2016 3:50 pm
Forum: Investing - Theory, News & General
Topic: Bogle tilts toward Value in his own portfolio
Replies: 34
Views: 3837

Re: Bogle tilts toward Value in his own portfolio

Jack's circumstances are quite a bit different from most of ours. Having said that, Jack has said several times that the average person can put it all in the Vanguard Balanced Index Fund and get on with it. He is also doing this for his Grandchildren and this is my plan of action. He has often said,...
by stemikger
Tue Sep 20, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

Living in California, instead of one of those cheap knock-off states people try to talk themselves into! There are only two types of people in this world. People who live in New York and those who wish they could live in New York. No there's actually 3. Tell us? Or do you want to keep it a secret? ...
by stemikger
Tue Sep 20, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

Living in California, instead of one of those cheap knock-off states people try to talk themselves into! There are only two types of people in this world. People who live in New York and those who wish they could live in New York. No there's actually 3. Tell us? Or do you want to keep it a secret? ...
by stemikger
Tue Sep 20, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Two questions ["Age in Bonds" vs. Risk Tolerance]
Replies: 24
Views: 1449

Re: Two questions

I didn't read the other replies, but if you never went through a bear market, you really don't know your risk tolerance. Also, if you have a pension, you could afford to be more aggressive and hold more equities. I am 52, no pension but I will get social security. Sleeping well at night is very impo...
by stemikger
Tue Sep 20, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

Living in California, instead of one of those cheap knock-off states people try to talk themselves into! There are only two types of people in this world. People who live in New York and those who wish they could live in New York. No there's actually 3. Tell us? Or do you want to keep it a secret?
by stemikger
Tue Sep 20, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

Complete Body Work by Lia on the Upper East Side.
by stemikger
Tue Sep 20, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

FireProof wrote:Living in California, instead of one of those cheap knock-off states people try to talk themselves into!


There are only two types of people in this world. People who live in New York and those who wish they could live in New York.
by stemikger
Tue Sep 20, 2016 12:08 am
Forum: Investing - Theory, News & General
Topic: Never invest in ....... ?
Replies: 53
Views: 5154

Re: Never invest in ....... ?

Hedge Funds and anything that sounds sophisticated
Insurance Products that act like investments
by stemikger
Tue Sep 20, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22018

Re: The Bogleheads' "100 Things Worth Every Penny" List

On-site Disney Vacations
Flying instead of driving
Central-Air
A good Mattress
Good Pillows
Roku Streaming Device
Good Car Tires
Good Pizza
A comfortable home where you feel safe
Fast computer and stable Wi-Fi
Any purchase that makes the wife happy
by stemikger
Sun Sep 18, 2016 7:30 am
Forum: Investing - Theory, News & General
Topic: Sound Mind Investing
Replies: 11
Views: 1530

Re: Sound Mind Investing

This sounds too slick for its own good. When all else fails fall back on simplicity. Just hold two or three index funds and live a very happy investment life. It is the surest way you will stay the course. If you want to exercise your animal spirits, do so with but with no more than 5% of the money ...
by stemikger
Sat Sep 17, 2016 9:00 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Guide
Replies: 18
Views: 1810

Re: Asset Allocation Guide

:D
Dave C. wrote:Could you repeat that??
by stemikger
Sat Sep 17, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: "Some Things I Know to be True"
Replies: 7
Views: 2117

Re: "Some Things I Know to be True"

Thanks Taylor. I will definitely send him a card.

I also would like to send him an old press photo of himself. I bought It on Ebay and I think he really would enjoy having it.

Steve G.
by stemikger
Sat Sep 17, 2016 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Day Trading - Where To Start? (Coaching)
Replies: 23
Views: 1933

Re: Day Trading - Where To Start? (Coaching)

A9K3 wrote:Hey all.

After some research and thinking, I've decided I want to invest myself into day trading. I was wondering if anyone in these forums would know where I can find a coach to help me start.

Thanks.


Surely you Jest?
by stemikger
Thu Sep 15, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 11943

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

TropikThunder wrote:
Toons wrote:50/50
At Minimum :happy


At minimum which direction? The OP was asking how much in bonds.


My guess is Toons would never have less than 50% in equities, so suffice it to say, 50% is the most he would have in bonds.
by stemikger
Wed Sep 14, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5245

Re: Is A Two-Fund Portfolio All You Really Need?

The only caution I have with the two fund portfolio in this day and age is that stocks and bonds have lost their inverse co-relation. They have both been going up for a while now. My fears may be unfounded, who knows. I would prefer cash/stable value funds for the fixed income portion. Of course, a...
by stemikger
Wed Sep 14, 2016 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5245

Re: Is A Two-Fund Portfolio All You Really Need?

If you are even slightly interested in a 2-fund portfolio, check out the little book of common sense investing by Jack Bogle from your local library and read it. He will convince you that 2-fund portfolio is a wonderful way of investing. IMHO it's the essence of what Jack teaches. When all else fai...
by stemikger
Wed Sep 14, 2016 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5245

Re: Is A Two-Fund Portfolio All You Really Need?

I want to make two points. The first point is that the difference between the Vanguard 500 Index Fund (S&P 500 index) and the Vanguard Total Stock Market Index Fund is very small. Think about it a bit and then choose the one that you like better. I use the Total Market fund, not because I truly...
by stemikger
Tue Sep 13, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 100
Views: 17755

Re: The "No Bonds" portfolio

As much as I love and I do love Warren Buffett, it shows me that he is a little out of touch with the common man when he suggests we all just hold enough cash (10% in treasuries is his choice) to feel secure and the rest in equities. I believe Warren recommended this for his wife's portfolio. I don...
by stemikger
Mon Sep 12, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5245

Re: Is A Two-Fund Portfolio All You Really Need?

Lets say you're the average Joe and have no understanding of investing. Will you do just fine in the long run with a simple two-fund portfolio below? Vanguard 500 and Vanguard Total Bond or Vanguard Total US Stock Market and Vanguard Total Bond fund Absolutely!! In fact, this Average Joe has been h...
by stemikger
Mon Sep 12, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 11943

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

I think Burt is spot on. I'm 52 and am at 65/35. (stocks/bonds) I think in retirement I will likely be 60/40 or 50/50 for life. At 60/40: If we experience another Great Depression (which we almost did in 2009), you would be closer to 20/80 after 3 or 4 years or 10/90 high to low, unless you rebalan...
by stemikger
Mon Sep 12, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 11943

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

I think Burt is spot on.

I'm 52 and am at 65/35. (stocks/bonds)

I think in retirement I will likely be 60/40 or 50/50 for life.
by stemikger
Mon Sep 12, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: no Bonds 63
Replies: 12
Views: 1702

Re: no Bonds 63

I'm thinking of putting $1000 a month into VBTLX is this wise now. I'm retired have 2m all in IRAs and Roth. No bonds right now. Only need about 1m for me to be happy in retirement. It was just seven years ago that the market lost enough to destroy that level of happiness; top to bottom, an all-sto...
by stemikger
Sun Sep 11, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions of the Couch Potato Retirement Portfolio
Replies: 9
Views: 1105

Re: Opinions of the Couch Potato Retirement Portfolio

I've always loved the Couch Potato Portfolio which was the brainchild of Scott Burns. In Paul Farrell's book, The Lazy Person's Guide to Retirement, it won first place among his readers. What could be better 50/50 two funds and rebalance once a year. Or you could just buy the Vanguard Balanced Index...
by stemikger
Fri Sep 09, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Bloomberg 9-9-16
Replies: 15
Views: 1595

Re: Jack Bogle on Bloomberg 9-9-16

Thanks for posting!
by stemikger
Thu Sep 08, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 226
Views: 28515

Re: Selling all equities, discuss why I'm wrong. :)

TropikThunder wrote:
stemikger wrote:I totally agree. Sleeping well is a great thing and as we get older, we tend to get more fearful. Thanks to John Bogle, we can sleep like babies.


Yep. Wake up every two hours crying. :P


LOL. And peeing in our depends.
by stemikger
Thu Sep 08, 2016 12:55 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 226
Views: 28515

Re: Selling all equities, discuss why I'm wrong. :)

Since becoming a full-fledged BH I have slept better just deploying my money immediately into my desired AA and not thinking about it. But still enjoy reading about the market. And seeing that even "experts" like Shilling don't know what is going to happen. +1 Being guaranteed the market ...
by stemikger
Thu Sep 08, 2016 12:44 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Budget?
Replies: 104
Views: 12316

Re: Do Bogleheads Budget?

I never needed to budget because I live below my means and know what I can and can't spend.

Having said that, I read the book the Automatic Millionaire and that reinforced my belief that budgets are not necessary if you make all of your saving priorities and make them automatic.
by stemikger
Tue Sep 06, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Why Your Portfolio Needs Plenty of Stocks, Whatever Your Age (NY Times)
Replies: 25
Views: 4543

Re: Why Your Portfolio Needs Plenty of Stocks, Whatever Your Age (NY Times)

John Bogle does suggest age-in-bonds but he also suggests that your social security should count as part of your bond allocation. So if you do count SS as part of your fixed income allocation, a person could hold 60/40 or 70/30 for life and still be considered a conservative investor. If someone has...
by stemikger
Tue Sep 06, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 226
Views: 28515

Re: Selling all equities, discuss why I'm wrong. :)

Listen to jack, he has 65 years of experience. You may find this video helpful at around 21:44. https://www.youtube.com/watch?v=6Qg959oYCxU Investing should never be an all or nothing proposition. I would go with 50/50. The below is from Harry Markowitz: He said, “I visualized my grief if the stock ...

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