Search found 25 matches

by Mitchinvest
Thu Feb 05, 2009 8:43 am
Forum: Personal Investments
Topic: Investing In Bonds If/When Bond Market Crashes
Replies: 2
Views: 1096

Investing In Bonds If/When Bond Market Crashes

I heard commentary from an investment team, "The Dolans", who I actually like for their conservative advice on investing, who are advising there could next be a bond market meltdown due to the heavy iinflux of bond investing. Question is, if such a scenario were to unfold, would TIPS be better than ...
by Mitchinvest
Tue Jan 27, 2009 11:51 am
Forum: Personal Investments
Topic: Buying TIPS During Low Inflation
Replies: 10
Views: 3274

Buying TIPS During Low Inflation

Basic question on the advantages of TIPS in this current climate of low inflation. Although a newbie, I know that inflation has been contained during the past several years, at least not in double digits as in the Carter years. So, if inflation stays at 3% or 5% in future years, won't TIPS stay stag...
by Mitchinvest
Sat Jan 24, 2009 9:06 am
Forum: Personal Investments
Topic: $3K Gift: Buy TIPS Or Vanguard Total Bond Index?
Replies: 2
Views: 1023

Wellington is 1/3 bonds already, and the "Portfolio & Management" tab says the bond composition is only "2.3% Treasury," so it must be virtually all nominal bonds. So, you already have a good chunk of nominal bonds, and you don't have any TIPS (or virtually none). Given that the senior Bogleheads t...
by Mitchinvest
Sat Jan 24, 2009 8:16 am
Forum: Personal Investments
Topic: $3K Gift: Buy TIPS Or Vanguard Total Bond Index?
Replies: 2
Views: 1023

$3K Gift: Buy TIPS Or Vanguard Total Bond Index?

I received a $3K gift that I want to go to my IRA. I have VG Wellington as my core fund, but, I want to start increasing my bond holdings, and have narrowed my choices to a TIPS fund or the Vanguard Total Bond Index fund. I'd very much appreciate hearing your preference of the two options. Thank you.
by Mitchinvest
Tue Jan 20, 2009 9:33 pm
Forum: Personal Investments
Topic: Is Any Risk Too Much Risk?
Replies: 32
Views: 4913

One thing I'd like to add is that my husband and I went to a mutual fund rep for a retirement planning session. We told him our assets, pensions, etc. and he put it all in a model that comes out with what amount we would probably have in retirement based on certain inflation and rate of return assu...
by Mitchinvest
Mon Jan 19, 2009 7:20 pm
Forum: Personal Investments
Topic: Is Any Risk Too Much Risk?
Replies: 32
Views: 4913

Is Any Risk Too Much Risk?

Having lost a sizeable chunk of my portfolio, which has been invested in both stock and bonds (60/40), what has struck me like a ton of bricks is that, hell, we are all basically gambling our hard-earned money that is supposed to support us in retirement when we invest in equities. Yes, I know the m...
by Mitchinvest
Sun Jan 11, 2009 2:01 pm
Forum: Personal Investments
Topic: Anyone Giving Up On Stocks In Favor Of Bonds & Cash?
Replies: 46
Views: 8870

Anyone Giving Up On Stocks In Favor Of Bonds & Cash?

Having learned a painful lesson about how gains in stocks achieved over lengthy periods of time, such as the last 10 years, can simply evaporate almost overnight, I'm starting to consider the merits of an all-bond/cash portolio. In fact, I'm now doing my due diligence in reading Larry Swedroe's book...
by Mitchinvest
Sun Jan 11, 2009 12:12 pm
Forum: Personal Investments
Topic: How Did Dan Wiener Do Last Year
Replies: 0
Views: 668

How Did Dan Wiener Do Last Year

Just curious how Wiener's model portfolios have performed in this bearest of markets. I know his fans have spoken highly of him in the past, but, that was mostly during the long bull-run when it was easier, perhaps, to perform well.
by Mitchinvest
Tue Jan 06, 2009 12:22 pm
Forum: Personal Investments
Topic: 25 Yrs For The Dow To Recover From The Great Depression
Replies: 55
Views: 8906

It means to me that it could take 25 years for the Dow to return to 14,000. Or it could take a month. From 7/8/32 to 8/8/32 the Dow gained 64%. Ron Nice wish, however, Bogle and others are predicting modest, single-digit-returns in the market for the foreseeable future, if and when the market deliv...
by Mitchinvest
Tue Jan 06, 2009 12:08 pm
Forum: Personal Investments
Topic: 25 Yrs For The Dow To Recover From The Great Depression
Replies: 55
Views: 8906

Re: 25 Yrs For The Dow To Recover From The Great Depression

So much for those 10% average annual returns. You need to learn the definition of "average". Those 10% average returns over the last 80-100 years include flat times and 50% downturns (we had 16 years before from 1966-1982 where the market was flat, and there was a 50% drop in 1973-1974 - sound fami...
by Mitchinvest
Tue Jan 06, 2009 9:57 am
Forum: Personal Investments
Topic: 25 Yrs For The Dow To Recover From The Great Depression
Replies: 55
Views: 8906

Stevewc wrote:But did you buy everything you own at 14000 ???
Thats the painful question.
I sure hope you didn't !!!
I didn't buy everything at 14,000, although, I invested a whole lot of my income during that time. However, I imagine lots of younger investors flooded the market at that time.
by Mitchinvest
Tue Jan 06, 2009 9:26 am
Forum: Personal Investments
Topic: 25 Yrs For The Dow To Recover From The Great Depression
Replies: 55
Views: 8906

Stevewc wrote:But did you buy everything you own at 14000 ???
Thats the painful question.
I sure hope you didn't !!!
I didn't buy everything at 14,000, although, I invested a whole lot of my income during that time. However, I imagine lots of younger investors flooded the market at that time.
by Mitchinvest
Tue Jan 06, 2009 9:15 am
Forum: Personal Investments
Topic: 25 Yrs For The Dow To Recover From The Great Depression
Replies: 55
Views: 8906

Correct me if I am wrong, but investors only care about the returns that THEY get. So saying that it took the stock market 25 years to recover assumes that the investor put ALL the money in at the peak (and none after) and I don't think that includes dividends. So while what you say is true, from o...
by Mitchinvest
Tue Jan 06, 2009 9:01 am
Forum: Personal Investments
Topic: 25 Yrs For The Dow To Recover From The Great Depression
Replies: 55
Views: 8906

25 Yrs For The Dow To Recover From The Great Depression

As a novice investor, I've been lulled into a certain complacency over the fact that the S&P has returned an average of 10% or 11% over the course of time. I imagine millions of investors buy equities with that mantra in mind. So, I was taken aback to learn that it took 25 years--a quarter of a cent...
by Mitchinvest
Mon Dec 29, 2008 10:20 am
Forum: Personal Investments
Topic: Larry Swedroe On TIPS/GNMAs
Replies: 5
Views: 2779

Just to be clear While I don't recommend GNMAs for the reasons stated there are FAR FAR WORSE investments you could make, like junk bonds, convertible bonds, preferred stocks, EM bonds and any other hybrid security--has equity like risks. If I included them in my alternative investment book I would...
by Mitchinvest
Sun Dec 28, 2008 8:34 pm
Forum: Personal Investments
Topic: Larry Swedroe On TIPS/GNMAs
Replies: 5
Views: 2779

Larry Swedroe On TIPS/GNMAs

I was interested to read Larry Swedroe advocating TIPS over GNMAs for one's bond holdings. Sone food for thought...

http://www.moolanomy.com/961/ask-the-ex ... 008-issue/
by Mitchinvest
Sun Dec 28, 2008 12:07 pm
Forum: Personal Investments
Topic: How To Decide Which Bonds Are Best For Me?
Replies: 4
Views: 1419

How To Decide Which Bonds Are Best For Me?

I would like to add bonds to my core IRA Wellington Fund holding as I'm liking the relatively lower volatility of bonds and strong yelds. But, how do I decide which bonds are best for me? I see that GNMAs are doing well. I hear positive things about TIPS. Municipal bonds and municipal bond funds off...
by Mitchinvest
Tue Dec 23, 2008 9:37 am
Forum: Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8551

Mitch, have you ever calculated your dollars saved compared to your nest egg size? You might find significant compounded growth that you only received due to your investments in those (risky) stock funds during the prior period of non-negative returns. You might want to read about how many multiple...
by Mitchinvest
Tue Dec 23, 2008 12:09 am
Forum: Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8551

Well, thanks, everyone, for the upbeat words and for the support for my decision to be in Wellington. I could be worse off and have invested with Madoff.
by Mitchinvest
Mon Dec 22, 2008 10:55 pm
Forum: Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8551

OK, you tried saving. Now trying spending. Come back in another 10 years and tell us about the Porsches and Benzes that you drove, the vacations you took and the great meals in fantastic restaurants that you ate. I look forward to that post. Oh, and don't forget it's not all about me, me, me! What ...
by Mitchinvest
Mon Dec 22, 2008 10:51 pm
Forum: Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8551

With lower stock prices come more shares for every $1 you invest. When those shares increase in value again, all those shares you bought up while you were here being discouraged and venting will be worth more than they would have had stock prices not been low. Dollar cost averaging is great. I know...
by Mitchinvest
Mon Dec 22, 2008 10:41 pm
Forum: Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8551

Re: It is darkest before the dawn

It didn't take long to get from feeling "very comfortable with Wellington" to "it's discouraging that my efforts turn out to be a waste." :? Wellington is a good fund. Perhaps you need to forget about investing for awhile and enjoy the Holidays? After every storm the sun comes out. I love Vanguard ...
by Mitchinvest
Mon Dec 22, 2008 10:09 pm
Forum: Personal Investments
Topic: Save, Save, Save, Lose, Lose, Lose
Replies: 38
Views: 8551

Save, Save, Save, Lose, Lose, Lose

Having saved a lot of money over the past 10 years, denying myself many nice things that money could have bought, I now think, in retrospect, I might have spent the money that I put into mutual funds which has pretty much evaporated. Yes, I know my funds can get back to where they once were, but, th...
by Mitchinvest
Wed Dec 17, 2008 5:44 pm
Forum: Personal Investments
Topic: Need Advice On Diversifying Beyond Wellington
Replies: 6
Views: 1718

Thanks for your helpful thoughts. Wellington has such a strong trackrecord over the years, and a lengthy trackrecord having been started in the 1920s, I feel that I'm in good hands with Wellington. IIRC, Wellington's returns have been pretty close, if not better, than the S&P. Plus, I do have Admira...
by Mitchinvest
Wed Dec 17, 2008 2:56 pm
Forum: Personal Investments
Topic: Need Advice On Diversifying Beyond Wellington
Replies: 6
Views: 1718

Need Advice On Diversifying Beyond Wellington

Hi and thanks, in advance, for any advice on diversifying beyond my core Wellington (VWELX) holding of $500,000, which represents most of my investments. It's in an IRA. I don't have a 401(k) nor a taxable acct and am 48 yrs old. I feel very comfortable with Wellington, but, is it unwise to have it ...