Search found 139 matches

by tsturbo
Fri Jul 07, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio?
Replies: 24
Views: 2420

Re: Should I simplify my portfolio?

I would put it all into the VG life strategy fund at the AA you are comfortable with for your age. Once you have built it up enough to buy Admiral shares of the underlying funds, you will have a lower ER and you can rebalance whenever you see an opportunity, I.e. Stocks tank and bonds have performed...
by tsturbo
Mon Jun 26, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds in portfolio
Replies: 6
Views: 1000

Re: Bond funds in portfolio

Thank you all for the responses, to answer a few questions:
Spouse receives 2,000 a month in retirement income, will take SS in 2-5 years
I will draw a pension of 3,500 a month beginning at age 65 and will take SS at 70
by tsturbo
Mon Jun 26, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds in portfolio
Replies: 6
Views: 1000

Bond funds in portfolio

Hello all, just looking for feedback and strategy suggestions on the bond portion of my tax deferred portfolio. I follow the 3 Fund model (except the bond portion for various reasons/choices, I could consolidate to one Fund but like having a bit more Treasury and some TIPs), I am 57 and spouse 59, I...
by tsturbo
Sun Jun 18, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1186308

Re: The Three-Fund Portfolio

May I ask what would be the suggested allocation of these three funds for a person who retires at age 63? Would you just do 33% each or go heavier on one fund? I think you are looking for information on how to determine your AA, based on your age. Once you decide what your AA should be, 80/20; 50/5...
by tsturbo
Thu Jun 15, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 6258

Re: Larry Swedroe: Stocks, Bonds, & Risk

50/50 Three fund portfolio Me = 57 and will work 2.5 more years, will take pension at 65 @ 3,700 per month and SS at about 67+ Spouse = 59 and retired, pension 2,000 per month, will take SS at 62 Still maxing our Roth IRA's and my 401K, for me it's more about capital preservation. I like 110 - age =...
by tsturbo
Wed Dec 28, 2016 6:33 pm
Forum: Investing - Theory, News & General
Topic: REITs and Small Cap funds?
Replies: 9
Views: 854

Re: REITs and Small Cap funds?

OK, nice. I didn't really want to know what you would do. I really wanted to know what you did do, but maybe that's what you did do. Twist the question a little bit: When exactly (dates please!) did you rebalance your 3-fund portfolio in 2016? In 2015? In 2014? DID rebalance both 3 Fund and Slice a...
by tsturbo
Wed Dec 28, 2016 6:25 pm
Forum: Investing - Theory, News & General
Topic: REITs and Small Cap funds?
Replies: 9
Views: 854

Re: REITs and Small Cap funds?

livesoft wrote:Both are probably good ideas for different kinds of investors. When you were slicing-and-dicing, did you rebalance at or near market lows for the year? Or did you freeze up and say, I will just wait until things get better?

I would rebalance
by tsturbo
Wed Dec 28, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: REITs and Small Cap funds?
Replies: 9
Views: 854

Re: REITs and Small Cap funds?

Thanks, I used to have a slice and dice portfolio, but have transitioned to the 3 Fund for its simplicity, but based on our phone conversation it got me thinking, maybe REITs, Small Cap and added International exposure might help me easier meet my goals of attaining average growth of 6.5% per year? ...
by tsturbo
Wed Dec 28, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: REITs and Small Cap funds?
Replies: 9
Views: 854

REITs and Small Cap funds?

I have access to AYCO Financial through my employer and have used their services for free over the last several years. They do not try and sell you anything, only provide advice help ensure you are on track to meet retirement and estate planning goals. During our last phone session on AA, my counsel...
by tsturbo
Thu May 08, 2014 7:13 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1186308

Re: The Three Fund Portfolio

I like it, but don't think I could only hold 33% bond! I currently do age -10 for bonds and some days I think it is too conservative and other days not conservative enough. I am however a big time believer of the 3 fund portfolio as the foundation of a portfolio, I just spice mine up a little with s...
by tsturbo
Sun May 04, 2014 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Car Advice
Replies: 32
Views: 3760

Re: Car Advice

Acura
Honda

Would be my only choices if you are looking for reliability, longevity and resale :beer
by tsturbo
Mon Aug 26, 2013 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation
Replies: 6
Views: 948

Re: International allocation

Thank you all!
by tsturbo
Sun Aug 25, 2013 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation
Replies: 6
Views: 948

International allocation

Quick question,

Companies such as Vanguard and others reccomend a certain percentage of international

Is the percentage reccomended a % of total portfolio or just equities?

Example, VG reccomends 20% in international, I hold a 60/40 AA, should it be 20% of the 60% or 20% of 100%

Thank you
by tsturbo
Wed Apr 10, 2013 7:50 pm
Forum: Investing - Theory, News & General
Topic: High ER and Index fund results
Replies: 19
Views: 1897

Re: High ER and Index fund results

^^^^^^
What he said

Thank you Taylor for the great reminders index funds have over active management
by tsturbo
Thu Mar 14, 2013 9:46 pm
Forum: Investing - Theory, News & General
Topic: Rebalanced today
Replies: 22
Views: 3023

Re: Rebalanced today

I rebalanced last night to get back to my AA, I bought more bonds :happy
by tsturbo
Wed Feb 27, 2013 9:31 pm
Forum: Investing - Theory, News & General
Topic: Percent allocation to TIPS?
Replies: 25
Views: 5811

Re: Percent allocation to TIPS?

About 33% of my bond holdings are in VG intermediate tips. The other 2/3rds are held in VG US intermediate treasuries and and VG Total bond fund. I am a big believer in the 3 Fund portfolio, I just like my bonds having a mix of all 3 as I have access at institutional shares on one and admiral shares...
by tsturbo
Sun Feb 17, 2013 5:26 pm
Forum: Investing - Theory, News & General
Topic: TF ER's when international bond kicks in?
Replies: 2
Views: 332

TF ER's when international bond kicks in?

This may have been discussed previously, but is it expected for the Target Retirement and Life Strategy ER's to remain the same or increase when the international bonds portion kicks in?

Thank you :beer
by tsturbo
Tue Feb 12, 2013 9:12 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 11701

Re: Target Retirement Funds to add international bonds

I don't really get why people are so worked up and against the change. If you don't want a "one fund solution" or a fund of funds portfolio, just dont own it. It's simple. Target Date Funds need tweaking - if only because they are a relatively new product. There will almost certainly be n...
by tsturbo
Thu Jan 03, 2013 8:45 pm
Forum: Investing - Theory, News & General
Topic: What is your current Asset Allocation Policy and why?
Replies: 83
Views: 12552

Re: What is your current Asset Allocation Policy and why?

- I think there is no realistic hope for the future. I doubt the current government (U.S. Constitution-based) will even exist in 30 years. If it does, I think there's a good chance it will steal the assets in my retirement accounts. - On the off chance that I'm wrong, I'll be rich. - Otherwise, I'l...
by tsturbo
Sat Dec 29, 2012 9:40 am
Forum: Investing - Theory, News & General
Topic: What is your current Asset Allocation Policy and why?
Replies: 83
Views: 12552

Re: What is your current Asset Allocation Policy and why?

57% equities
2/3 total stock
1/3 total international

43% bonds
1/3 Tips
1/3 Intermediate Treasuries
1/3 Total bond

All Vanguard funds.
Age - 10 years for bond allocation until I reach age 60, then will do 50/50
by tsturbo
Sun Oct 21, 2012 9:01 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1934
Views: 1186308

Re: The Three Fund Portfolio

The Vanguard Total Bond Market Index Fund has been recommended as one of the 3 funds to use in the 3 fund portfolio. The VTBM has average risk and slightly below average return (1 year=5%, 3 year=6%) based on Morningstar. Some similar funds that are also compared against the Barclays US Bond benchm...
by tsturbo
Sun Feb 26, 2012 11:09 am
Forum: Investing - Help with Personal Investments
Topic: What is your rebalance trigger?
Replies: 40
Views: 2802

What is your rebalance trigger?

My AA is 3% off from my target. Target is 57% equities and 43% bonds which is age in bonds - 10. Current AA has grown to 60% equities and bonds have decreased to 40%.

Is 3% a big enough difference and would you rebalance back to target at this point?
by tsturbo
Sun Jan 22, 2012 9:00 pm
Forum: Investing - Theory, News & General
Topic: Risk: 3-Fund vs. Slice/Dice?
Replies: 30
Views: 2710

Re: Risk: 3-Fund vs. Slice/Dice?

Nobody mentioned ER, atleast I did not see it when I scanned all of the posts. Typically, the S&D will have a larger ER vs. a typical 3 fund, especially if you buy the Admiral shares. And as we all know, the higher ER will eat into more of the returns.
by tsturbo
Sun Dec 11, 2011 3:32 pm
Forum: Investing - Theory, News & General
Topic: More Dan Wiener in your inbox?
Replies: 3
Views: 668

More Dan Wiener in your inbox?

I usually get about one email a week from him, lately I have been getting about four. I stay subscribed as it is entertaining to see what he has to say, even though I have no plans to buy his newsletter or to use active managed funds. Maybe his business is down? :confused
by tsturbo
Sun Dec 04, 2011 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Re-Fi comparison calculator/website?
Replies: 6
Views: 469

Re-Fi comparison calculator/website?

Looking for an refi calculator or a good ammoritization comparison site. Currently have a 30 year fixed at 4.75%, with 25 years to go, have been paying extra and will pay off in about 10-12 years. But with 15 year rates at 3.3% wondering if this may be a better way to go? This would be on about 180k.
by tsturbo
Thu Dec 01, 2011 9:31 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy funds going all-index
Replies: 76
Views: 12609

If the late Steve Jobs had been managing Vanguard, would it have taken so many years to realign the 4 LS funds into a pure index allocation and offer the public these near perfect blends with automatic reallaction? I suspect the LS funds, within a couple of years, will be among the largest funds of...
by tsturbo
Mon Oct 24, 2011 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 64827

Re: What is your age and AA?

pinnacleplace wrote:ages 44 and 45

65% stock- 35% Bond

25% tsm
15% small cap
20% international
5%Emerging markets
25% TBM
5% TIPS


Your allocation above indicates 65% stock; 30% bond. The remaining 5% cash?
by tsturbo
Mon Oct 24, 2011 12:27 am
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 64827

Re: What is your age and AA?

52 him, 53 her

59% equities
43% TSM index
16% International index

41% bond
30% TBM index
5% Intermediate treasuries
6% Tips

All VG funds
by tsturbo
Thu Oct 13, 2011 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Whose portfolio has the lowest expense ratio?
Replies: 30
Views: 5131

Here is mine
0.09%
   
by tsturbo
Sat Oct 08, 2011 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VBIAX?
Replies: 2
Views: 1599

Thoughts on VBIAX?

Admiral shares of VG balanced index fund, approx 60/40 equities to bonds. Bonds are predominately high quality and with admiral shares ER is very low, .12%. The new and improved life strategy funds as well as the TR funds was where I was leaning, but the lower ER of this fund has sparked an interest...
by tsturbo
Fri Oct 07, 2011 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: fund advice
Replies: 12
Views: 1432

Taylor, I respect your opinions very much, but I am curious as to why you think the TR funds are better than the new and improved life strategy funds? They both hold the same 3 core index funds, I do realize that TR funds do add some TIP's as they get closer to the target date, is that why you consi...
by tsturbo
Sat Aug 06, 2011 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: When do Bogleheads get a new(er) car?
Replies: 55
Views: 8000

blevine wrote:See Consumer Reports, Subaru is now neck and neck with Honda for reliability (ahead of Toyota). They also get top crash test ratings from IIHS.

I have a 2000 Outback and only had the O2 sensor problem, nothing else.


Yeah, but CR just dissed the new Civic. I don't put much stock in CR.
by tsturbo
Sat Aug 06, 2011 9:57 am
Forum: Investing - Theory, News & General
Topic: Black Monday?
Replies: 158
Views: 20692

If you are really worried, it might be best to do a media blackout (ha, see how I worked the word "black" in there again? LOL) and not pay attention to any of the coverage. Go outside and go fishing. Take a hike. Read a book (preferable fiction that has nothing to do with finance) and oth...
by tsturbo
Mon Jul 04, 2011 12:14 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE AT BOGLEHEADS 10
Replies: 36
Views: 8375

Mr. Bogle,

Thank you for all you have done and continue to do.

Do you still believe in holding the entire market, or do you believe one should tilt a little more than the market towards small cap in us equities and more international?

Best regards to you and your family!
by tsturbo
Sun Jul 03, 2011 11:28 pm
Forum: Personal Consumer Issues
Topic: Is car worth buying?
Replies: 30
Views: 3775

Buy a Honda Civic, it is the Boglehead thing to do. Not only will you have excellent reliability, you will have excellent resale value as well. And your cost is very similar to the ford.
by tsturbo
Wed Jun 22, 2011 8:13 am
Forum: Investing - Help with Personal Investments
Topic: I may be in over my head [options & taxes]
Replies: 28
Views: 3537

campy2010 wrote:
joe8d wrote:
I think the fact that I do not understand one thing in the original post means that I am a true Boglehead.


2nd that.


+3, post might as well have been written in Chinese.


+4
by tsturbo
Sun Jun 19, 2011 11:02 am
Forum: Investing - Theory, News & General
Topic: Burns Still Likes VG Balanced Index
Replies: 14
Views: 5566

investor wrote:I prefer Wellington to Balanced Index, historically it has performed better.
_________________
Best Wishes,
SpringMan


+1...Me Too

investor


Yes, but you have to consider the added risk of it being an active fund, lower credit quality of the fixed income and the higher ER.
by tsturbo
Mon Jun 13, 2011 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity Check! Totally redoing portfolio. Please advise.
Replies: 9
Views: 2553

His 401k (Schwab - work) - $39k – 14.6% Vanguard Target Retirement 2030 Fund (VTHRX) – 100% Are you planning on keeping your 401K in target date along with your wifes? As I said there are worse things than TD funds but ideally you would have this in your slice adn dice AA also. What is wrong with V...
by tsturbo
Sun Jun 12, 2011 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: $10-15K to play with -- what to invest in?
Replies: 11
Views: 1873

TR Fund to match his AA - Simple one fund and low ER, broad diversification to US equities, foreign equities and total bond.
by tsturbo
Sat Jun 11, 2011 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting yourself against the worst case scenario
Replies: 20
Views: 3065

I use a MAC :lol:
by tsturbo
Fri Jun 10, 2011 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bond anxiety
Replies: 39
Views: 4393

I just rebalanced and bought more Treasuries! I am much more worried about equities right now.
by tsturbo
Fri Jun 03, 2011 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: VFIUX or VFIDX Int. bond admiral to compliment other bonds
Replies: 3
Views: 888

VFIUX or VFIDX Int. bond admiral to compliment other bonds

One is investment grade, the other US Treasuries, same ER, both Admiral share. This would compliment my other bond holdings, which are 25% PImco Total Return (PTTRX), 25% VG Total Bond (VBTLX) and 25% VG Tips (VAIPX). What are your thoughts on Treasuries? I hear some saying time is right to buy them...
by tsturbo
Mon Apr 11, 2011 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: For those who tilt with small cap...which VG fund?
Replies: 17
Views: 3260

How about NAESX aka VSMAX in admiral shares. Index SC Blend, any reason not to choose this option vs. Other SC?
by tsturbo
Sun Apr 10, 2011 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: For those who tilt with small cap...which VG fund?
Replies: 17
Views: 3260

For those who tilt with small cap...which VG fund?

And why you chose that particular fund?

What % of you equity portion do you devote to small cap? I was thinking about going 60% TSM, 20% Total Int. And 20% Small cap, or is 50, 25, 25 recommended?
by tsturbo
Tue Apr 05, 2011 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being Overcharged by my Broker ?
Replies: 33
Views: 5250

So if the market (your portfolio) is down 10%, you would be down 12%
by tsturbo
Tue Apr 05, 2011 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being Overcharged by my Broker ?
Replies: 33
Views: 5250

My question is why would you pay an advisor 1%/year of your assets when you can easily do the same thing yourself (with a few basic funds) for free? +1 No fees here. My overall ER for all of my accounts equals 0.14% You need to take your total ER, your fee(s) x your portfolio value x number of year...
by tsturbo
Sun Mar 27, 2011 8:22 pm
Forum: Investing - Theory, News & General
Topic: Junk and International Bonds Safe for Pre-Retirees?
Replies: 24
Views: 3359

I got a look at my parents' statements. The average expense ration was 1.06. Seems pretty high. Supposedly, though, these funds still beat their index and were in the top 25th percentile. Most have loads of around 4-5% too... 1.06 is quite high. It isn't difficult to get the average ER under 20bp -...
by tsturbo
Sun Mar 27, 2011 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Total/Total/Total?
Replies: 25
Views: 3337

These make up the CORE of my retirement portfolio (I've added TIPS and REITS). The pros, in my view, are simplicity, low cost and broad diversification; the only con I can think of is less "fun" than more complex, expensive and concentrated. Same here. I also hold VG TR fund in my 401 rol...
by tsturbo
Sat Mar 26, 2011 10:11 pm
Forum: Investing - Theory, News & General
Topic: Would you consider this a good combo
Replies: 8
Views: 1586

jumpin wrote:
bertie wooster wrote:Why not go with 100% in the appropriate Vanguard Target Retirement fund?


Fidelity contra fund is closed to new investors and it is doing well.

What about

TR 2025 60%
Contra fund 30%
PIMCO 10%

You don't quite understand what the VG TR fund is if you insist on having other funds with it.
by tsturbo
Sat Mar 26, 2011 10:10 pm
Forum: Investing - Theory, News & General
Topic: Would you consider this a good combo
Replies: 8
Views: 1586

bertie wooster wrote:Why not go with 100% in the appropriate Vanguard Target Retirement fund?


My thoughts exactly, therefore I did not vote in poll