Bogleheads.org

Is "unpack" the new word for read? Maybe that is why when I interview young job applicants and ask them to tell me about the last book they read they look at me funny. I must be using the wrong terminology. It's probably the word "book" that throws them. These days, it just don'...

Seven funds allocated thus: VTSAX - 18% - US Total Stock Index IJS - 12% - US Small Value VGSLX - 9% - US REIT VTIAX - 12% - Total Int'l Index VSS - 9% - Int'l Small Index VNQI - 6% - Int'l Real Estate VBIRX - 34% - Short Bond Index Bonds and REITS/real estate in tax deferred accounts; the rest in t...

I`ve selected the Vanguard admiral share classes of the S&P 500 (VFIAX), U.S. small cap (VSIAX), total international (VTIAX) and the tax exempt intermediate term bond fund (VWITX). Are you aware that VSIAX is a small cap value fund, not a regular small cap fund? It adds additional risk and pote...

55% taxable. After years of being an itinerant college instructor, during which time I was unable to save anything, I started a business in my mid-40s that became successful after some lean years, and I've been playing catch-up. I max-out my 401k and IRA (and wife's IRA) but much of my retirement sa...

Thanks for all the replies so far. So one could IN THEORY do this to simplify equity holdings: 60% Total World (but not entirely practical because of the relatively high expense ratio) 20% U.S. Small Cap Value 20% International Small I definitely appreciate the efficiency of this approach, but I'd r...

Hi All, I'm increasingly drawn toward the simplicity of the Four-Fund and the Swensen portfolios. But I'd also like to overweight small/mid cap exposure for the potential of added returns--understanding, of course, the added SmL risk and volatility. As a variation, I'm considering the following asse...

FWIW, Morningstar treats REITs as equities in its X-ray tool. Personally, because of their equities-like volatility, I treat them as not-bonds, meaning I set my bond allocation without considering REITs. By default, that shifts them toward my equities allocation, although I consider them a separate ...

ClosetIndexer, thank you for your exceptionally clear and informative posts on this topic.

.12% for the whole enchilada.

Valuethinker, I always learn from your posts. Thank you.

Bill

Happened to me, too, this morning. I ended the process within seconds and did a full AVG scan, which revealed nothing. I hope that means there's nothing to reveal....

Thanks to RJB for the links to the Firefox ad-ons.

Bill

willimusk wrote: I've been following RGE for a couple of years now. It's true, Roubini's outlook has been largely pessimistic. It's also true that he's been largely accurate in his analyses. To my mind that makes him a Cassandra but not a fear monger. And for what it's worth, in an interview I read...

I've been following RGE for a couple of years now. It's true, Roubini's outlook has been largely pessimistic. It's also true that he's been largely accurate in his analyses. To my mind that makes him a Cassandra but not a fear monger. And for what it's worth, in an interview I read not long ago, he ...

You'll have to wait 31 days before buying VTI to avoid the wash rule. VTSMX and VTI are different share classes of the same fund.

Do total assets in ETF shares influence how quickly admiral shares become available in Vanguard funds, or are the two balances kept separate? I'm curious because I'm using VFWIX (the ex-USA All-World index fund) rather than VEU (the ETF version) so I can automatically DCA into it twice a month. VEU ...

Do total assets in ETF shares influence how quickly admiral shares become available in new funds, or are the two kept separate by Vanguard? I'm curious because I'm using VFWIX (the ex-USA All-World fund) rather than VEU so I can automatically DCA into it twice a month. VEU is garnering money much mo...

I use VLACX. It tracks VTSMX pretty closely but is still different enough, IMO, holding 750 stocks instead of 3,000. Caveat: I'm neither a CPA nor a tax attorney.

Bill

We keep 5 months living expenses in our checking account, which also serves as our brokerage sweep account. Currently paying around 5.1%, it's a sweet deal from Wells Fargo that's no longer available. And yes, we get those 100 free trades a year, too. 8)