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Beagler

When a reverse mortgage is being processed, isn't the house viewed as an asset from the viewpoint of the underwriter? Things can serve different functions to different people, just as they can have different dollar values to different people (that being the basis of trade). Just because a house is ...

Beagler

When a reverse mortgage is being processed, isn't the house viewed as an asset from the viewpoint of the underwriter?

Beagler

Question for Mr. Bogle; Sir, would you please expound on your thoughts on an investor's expected future Social Security payments as they might affect the asset allocation of a pre-retiree. Does it affect the "age in bonds" rule of thumb? Thank you, Mr. Bogle, for your untiring work on behalf of the ...

Beagler

For investors with mostly taxable accounts, how do you view the challenges of the muni bond market?

Beagler

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Beagler

Professor Emeritus wrote:...Ab bond that can default is an asset...
Teh column wousl have been more intelligent....

You might want to make some corrections.

Beagler

Nice to see Wellington continue to best the 3-fund portfolio. :D And nice to see my I Bonds whipping Wellington and the entire batch (at least for the month)! :-) You can keep the 1-month returns. I'll keep the CAGR from 1999 forward. :D (As a long-term Wellington shareholder, I figure if it's good...

Beagler

From one of the above-quoted links: " In my review of the historical record, I could only find a few cases where annuity owners ended up with less than their insurer promised. One resulted from the 1983 bankruptcy of Baldwin-United, which involved a takeover by MetLife and a court-ordered reduction ...

Beagler

Nice to see Wellington continue to best the 3-fund portfolio.

Beagler

I always recall the following when contemplating using insurance products for part of the income floor: ... I take zero, absolutely zero, comfort that few insurance companies have failed thus far, just as the wise person took should have taken no comfort about the security of the United States on De...

Beagler

Why is anyone surprised that VG would change the asset allocation of its TR Funds? Aren't they aware of the major shifts in allocation just a few years into their inception?

http://www.marketwatch.com/story/target ... -their-aim

Beagler

First post, great site! I am going to leave the grindstone in 3 years max. Liquidated 90% of my equities assets after recovering most of my 2007-09 losses. Back in 2007-08, I was 90% equities. Ouch... Learned my lesson the hard way. Even had 75% of that sizeable money with high paid "professionals"...

Beagler

A Boglehead recently wrote that he feels 'income subject to market price risk is not the foundation for a sustainable retirement strategy.'

Beagler

Bill, love your writing style, but this is pretty brazen.

Beagler

The intelligent way to deal with my pension is to pay it.... When the jockey weighs more than the horse, the ride becomes untenable. ...Certainly the obligation to me is equitably "senior" to any bondholder who loaned the state money knowing of the obligation to retirees..... Each State has its own...

Beagler

Professor Emeritus wrote: The intelligent way to deal with my pension is to pay it....

When the jockey weighs more than the horse, the ride becomes untenable.

Beagler

The DC industry has been shifting its efforts to a more outcome-oriented approach, in which workers are asked to create retirement plans with the assistance of online tools and other resources which help to determine the retirement nest egg they need..... Link to article - http://www.dfaus.com/pdf/...

Beagler

Pop77, this paper does nothing but state the obvious. What new information did you learn from this? ...The chart on page 2 is golden. I am going to print it and stick it at my desk.... The Callen table has been much-discussed on this forum. No sense in re-inventing the wheel. :happy http://bit.ly/1...

Beagler

pop77 wrote:
Much needed reassurance for many on this forum....

Reassurance is NOT synonymous with reinforcement.

Beagler

... That's why you can't hardly ever pick up those stocks on sale.... You're right. Recalling the post-9/11 stock market dips, IIRC did provide a buying opportunity: XOM went from $41.24 to $35.83; JNJ dropped from $55.82 that month down to $52.24; KO dropped a little from $25.10 to $23.40. (Effici...

Beagler

Morningstar lists 2/19/1993 as the first trade date for DFA Large Cap Value (DFLVX). (Open to correction if others have a more accurate date.)

Beagler

"Graham having done so on his death bed in 1976..." A little dramatic, huh?

Beagler

FWIW, didn't VG "recommend" them when they expunged all but the largest 401(k) plans from working directly with VG?

Beagler

Or, just raise the tax advantaged retirement contribution limit to a total of $23,000 a year for any combination of roth, traditional IRA, or 401K. Simple. Yes. I thought of simply quadrupling the IRA limits. With 40(k)s there is the issue of employer contributions. Some employers make none, some m...

Beagler

With I Bonds you won't ever lose principal. What are your thoughts on those?

Beagler

Here is a brief article consistent with some of the research/news that Larry Swedroe has presented in the past few months. DFA is adding this factor. Sweeping changes under way at DFA "Thanks to a breakthrough in asset-pricing research last year, DFA is adding a third layer of screening to its equi...

Beagler

alec wrote:
Ranger wrote:What i don't understand is that Benjamin Graham taught and used gross profitability extensively. Why such a basic factor is a recent phenomenon is puzzling to me.
And buffet was a disciple of Graham.

Was? Has he passed away?

Beagler

It's kind of surreal to read a thread where Larry is acknowledging the value of active management of a fixed income portfolio.

Beagler

Thanks for the update.

Wellington beats 3-fund portfolio going back to 1999? Nice.

Beagler

You'll note that the pie chart says REAL ESTATE, not REIT. It's my understanding that in his book Swensen lays out his reasons for emphasizing that asset class so highly, and that he specifies either direct Real Estate holdings or TIAA-CREF Real Estate Account holdings for this portion of the portf...

Beagler

Will Vanguard be closing and liquidating those active funds names Wellington and Wellesley?

Beagler

Interesting theory. But how would a retail investor who refuses to pay the high fee's for DFA advisors access these factor? Further, how would one monitor these factors to maintain a balance? Seems like it is all theory without practical implementation advice. A competent advisor is there to monito...

Beagler

Think about it... Mr. Bogle has enjoyed a "significant" amount of success, the goal being "enough". He has spent his life sharing his good fortune with charitable organizations, his family and all of us who are the OWNERS of Vanguard :D Not really. (When was the last time you received a Vanguard vo...

Beagler

Think about it... Mr. Bogle has enjoyed a "significant" amount of success, the goal being "enough". He has spent his life sharing his good fortune with charitable organizations, his family and all of us who are the OWNERS of Vanguard :D Not really. (When was the last time you received a Vanguard vo...

Beagler

"There's no reason for a bondholder to feel like there's any type of security" when investing in Detroit bonds, said Dan Solender, director of municipal-bond management at investment firm Lord Abbett & Co., which owns some Detroit bonds. http://finance.yahoo.com/news/detroit-bankruptcy-sets-credito...

Beagler

From the article: "My retirement accounts are more like a 50-50 split between stocks and bonds, because of a longer time horizon and because yields on bonds are extremely unattractive right now. The equity side is mostly in Total Stock Market Index (VTSMX), but I still have a little bit in the Welli...

Beagler

"There's no reason for a bondholder to feel like there's any type of security" when investing in Detroit bonds, said Dan Solender, director of municipal-bond management at investment firm Lord Abbett & Co., which owns some Detroit bonds. http://finance.yahoo.com/news/detroit-bankruptcy-sets-creditor...

Beagler

Deepest condolences to Taylor and his family. May all of your good memories help to sustain you during this difficult time.

Beagler

Enron proves your point.

Beagler

Mr. Bogle signed a book for me at an event at which he was speaking. He was distinguished, gracious, and his personality magnetic. I wish the world had more like him.

Beagler

...other than one or two cases in which Vanguard bet wrong on interest rates, I can't remember a Vanguard stock or bond fund diverging significantly from its benchmark, including in 2008. The 2002 TBM debacle comes to mind. http://www.sec.gov/Archives/edgar/data/794105/000093247103000266/bondindex0...

Beagler

“It definitely sets a precedent, and there’s definitely going to be a penalty going forward for the city and the state,” said Dan Solender, director of munis at Lord Abbett & Co. in Jersey City, New Jersey. The company oversees $19.5 billion of local debt. http://www.bloomberg.com/news/2013-06-17/de...

Beagler

What i don't understand is, Bernake said yesterday that the tapering will not begin until unemployment reaches 6.5%, among other criteria. He said strictly this is a threshold, and the stimulus will continue unchanged until that point. So why is there a major sell off, when no bad news was given? W...

Beagler

"The irony is that while Wall Street has more information than you, its short time horizon forces it to deal with more randomness than you have to. That's your edge. And it's why any bumpkin who buys an index fund and forgets about it will beat the vast majority of professional money managers over t...

Beagler

Benz: Let's talk about the challenging environment that retirees are facing, and specifically the conundrums, the multiple issues created by very low yields currently. I'd like to look at annuities, start there, because historically they have been sort of standard planning advice for people getting...

Beagler

...I would like to know what other Vanguard fund I would be wiser to invest in than VWEAX that will produce $1100 to $1200 per month like clockwork? If you listen closely you can hear the sounds of crickets chirping. The stock reply (no pun intended) might be that, in addition to the VFINX + Treasu...

Beagler

Upon reading the comments, I'd gather than if Mr. Ferri or Dr. Bernstein were running the Vanguard Target Retirement Funds they would not have added in't bonds.

Beagler

Congratulations on the interview.

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