Search found 3785 matches

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: 8789

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: 6238

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: 6238

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: 6238

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: 6238

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: 8789

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: 8789

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: 3251

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: 3926

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: 1905

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: 55
Views: 7459

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: 1709

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: 1709

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: 6226

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: 6226

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: 1888

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: 1888

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: 872

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: 1051

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: 1755

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: 1986

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: 5418

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: 1004
Views: 155568

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: 792

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: 1759

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: 9037

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: 222
Views: 22317

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: 3002

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: 2002

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: 1486

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: 1486

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...
by stemikger
Fri Jun 24, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10474

Re: International stocks in free fall

I might rebalance, but other than that, not much. I'm glad I listened to Jack all these years ago. I never invested in international and this won't change things. I don't understand your sentiment here. Aren't U.S. stocks getting hammered too? Yes, no doubt they will. I was just saying it that way ...
by stemikger
Fri Jun 24, 2016 3:01 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10474

Re: International stocks in free fall

I might rebalance, but other than that, not much.

I'm glad I listened to Jack all these years ago. I never invested in international and this won't change things.
by stemikger
Mon Jun 20, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5071

John Bogle Webinar at Vanguard

[Thread merged into here, see below. --admin LadyGeek]

If you did not get to see Jack Bogle's webcast with Vanguard, here it is. Enjoy!!

https://www.youtube.com/watch?v=byNIu6e7Sbs
by stemikger
Tue Jun 14, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: Why am I so intrigued with the All Weather Portfolio
Replies: 6
Views: 1373

Why am I so intrigued with the All Weather Portfolio

After reading Tony Robbins Book, I have to say I am very intrigued with Ray Dalio's All Weather Portfolio but for the life of me I can' see how it has had the performance it has had for so long. Ray Dalio was even asked how can it do well being so heavy in Long Term Bonds and he said it will do well...
by stemikger
Tue Jun 14, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 26482

Re: Could John Bogle Be Right About International Stock?

I've heard the arguments from all of the professionals that allocating a portion of your portfolio to International stocks is a good thing. It prevents recency bias (think Japan) plus International Stocks did provide better returns than U.S. stocks between the dot com crash and the crash of 2008-20...
by stemikger
Sat Jun 11, 2016 6:19 am
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4574

Inevesting Mistakes or Regrets

Every investor has made mistakes and/or has regrets. Would love to hear some regrets or mistakes you made along the way that (a) you had a hard time letting go of or (b) you learned from them but still wish you knew then what you know now. I'll go first, here are two that come to mind. When I first ...
by stemikger
Fri Jun 10, 2016 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: What would a Boglehead do? [401(k) contributions vs. paying off loans]
Replies: 42
Views: 2695

Re: What would a Boglehead do?

If I stop my 401K, I can pay off everything in about 6 months. Contribute into 401k upto the match. if you receive no match then go with your plan. My 401K is kind of unique. I don't have to contribute at all. The way the firm works is they automatically put in 5% of your salary whether you contrib...
by stemikger
Fri Jun 10, 2016 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Is my two-fund portfolio OK?
Replies: 26
Views: 3128

Re: Is my two-fund portfolio OK?

Posted by Johnny
I read Mr. Bogle's book many years, and learned a great deal from it. I just wish he had been clearer about the importance of investment costs. :D


I know he hardly mentions it. lol

:D
by stemikger
Thu Jun 09, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is my two-fund portfolio OK?
Replies: 26
Views: 3128

Re: Is my two-fund portfolio OK?

Well lets see who agrees with you: John Bogle and Warren Buffett. 20 plus years I have never held international. I also have a two fund portfolio. John Bogle also agrees with the one-fund portfolio which is the Vanguard Balanced Index Fund (no international). Check out the link below and hear John B...
by stemikger
Thu Jun 09, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5588

Re: Are Rentals As Bad As Some Make Them Out To Be?

Rental property is work. Mutual funds aren't. From what I've read, they have about the same long term return. I vote "no work". :beer I agree. Unless you have a burning desire to own rental property go for it, if you just want to invest, stick with saving your money in index funds. In the...
by stemikger
Thu Jun 09, 2016 12:08 am
Forum: Investing - Theory, News & General
Topic: What four faces would you put on the Mount Rushmore of Investing
Replies: 47
Views: 3404

Re: What four faces would you put on the Mount Rushmore of Investing

Ben Graham, Warren Buffet, Charlie Munger and Jack Bogle.
by stemikger
Wed Jun 08, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: My Three Fund Asset Allocation
Replies: 9
Views: 1101

Re: My Three Fund Asset Allocation

Looks good to me, but is a tad bit conservative for your age. Having said that, it's hard to go wrong with the 3 fund portfolio. I personally hold the two fund portfolio because I don't think adding international is necessary. The only thing I would do differently is change my AA to 80/20 and hold t...
by stemikger
Wed Jun 08, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: The Countdown Begins [Jack Bogle live webinar with Vanguard]
Replies: 8
Views: 882

Re: The Countdown Begins [Jack Bogle live webinar with Vanguard]

mrc wrote:Anyone else watching? I see just a login screen. Sad I am.


You have to register. It's June 15th.
by stemikger
Wed Jun 08, 2016 7:51 am
Forum: Investing - Theory, News & General
Topic: The Countdown Begins [Jack Bogle live webinar with Vanguard]
Replies: 8
Views: 882

Re: The Countdown Begins

Who else is extremely excited to see Jack Bogle do a live Webinar with Vanguard. Count me in as super excited. 7 more days. Date: Wednesday, June 15, 2016 Time: 3:30 p.m., Eastern time Here is the link to sign up - http://wcc.on24.com/event/11/84/53/0/rt/1/documents/player_docanchr_1/speaker.html S...
by stemikger
Wed Jun 08, 2016 6:21 am
Forum: Investing - Theory, News & General
Topic: The Countdown Begins [Jack Bogle live webinar with Vanguard]
Replies: 8
Views: 882

Re: The Countdown Begins

JoMoney wrote:I won't be able to watch at that time, hope it's available elsewhere to watch afterwords.


I notice there are a lot of Vanguard Webinars on You Tube after they go live. I will post it here if they do that with this one.

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