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Nightowl99

I sold SCV several months ago when I realized it hadn't done as well as VTI and am now gradually simplifying my portfolio-- except for my assortment of bond funds and 5% in "other." If you compare SCV (VBR) to small cap blend (VB) and Total Stock Market (VTI), Total Stock Market comes out ...

Nightowl99

Here's a good YouTube video to watch when the market gives you the jitters: 09 Jack Bogle on Asset Allocation and Market Collapse (2014) - Bing video [/url]https://www.bing.com/videos/search?q=Jack+Bogle+YouTube+asset+allocation&docid=608040152256420066&mid=8218C382B667EBCAA8F08218C382B667EB...

Nightowl99

If you don't want to throw away the Folgers you already have, try mixing it with Starbucks from the grocery store, maybe starting with one scoop Folgers to three scoops Starbucks. It will still taste mostly like Starbucks.

Nightowl99

Let it ride and don't do a thing. I suspect this may be the best advice. Did you say what type of bonds you want to purchase? Have you considered exchanging EM for EM bonds? (Not that that's a good idea, but it would keep you from incurring capital gains.) Bonds haven't been looking too attractive ...

Nightowl99

Thank you all for the clarifications. There's also a choice of month-end or quarter-end return information, just to confuse non-financial people like me, I suppose.

(Maybe the quarter-end returns include dividends? Not sure.)

Nightowl99

When comparing a bond mutual fund to its ETF equivalent, which number is more important, the market value or the NAV? Is there a simple explanation for why the returns are slightly different? The expense ratio is .07 for the mutual fund but it's .05 for the ETF, so is the difference because of the b...

Nightowl99

Maybe rising interest rates will eventually make up for what appears to be a loss today. Historical bond returns vary quite a bit so I predict that bonds will have a better outlook sometime in the future, just maybe not this year.

Nightowl99

I like Jack Bogle's YouTube video about asset allocation, the one where he says that if the market is making you nervous, maybe lower your asset allocation a little, to be something like 50/50, but don't sell everything and put it all in cash. That would be a big mistake because how do you decide wh...

Nightowl99

In Vanguard's article, "Vanguard Global Outlook for 2021: Approaching the Dawn," they seem to predict international bond performance will be muted in the near term due to low and negative yields. Also, international stock funds may have a chance of outperforming US stocks for a while, so i...

Nightowl99

My opinion of international bonds has changed over time so that, for now, I'm not holding much of them, and may not buy more for the foreseeable future. I had thought they'd add diversification to my bond allocation and maybe counteract the weakness of the dollar, but now I'm thinking of shifting mo...

Nightowl99

Something's wrong. It's showing I have about $3 million more than I really have.

Nightowl99

I like Sycamore's way of thinking about narrowing down the number of bond funds you hold. I've been reconsidering the need to have so much in the international bond fund lately and have exchanged a lot of it for more of the intermediate bond fund. You may want to consider buying I bonds too, up to t...

Nightowl99

Just to give a different opinion, I don't think there's anything wrong with the choice of bond funds you've selected since I have many of those same funds in my own Vanguard accounts. Many people on this forum believe it simplifies things to have only one bond fund, though, such as BND or BIV, which...

Nightowl99

Too Much and Never Enough: How My Family Created the World's Most Dangerous Man by Mary L. Trump, Ph.D.

Nightowl99

I found Financial Engines by going to My Accounts-->Profile & Account Settings-->then scrolling down to Financial Engines. Its advice to me is to be more aggressive than I'd like to be, though. It advises me to sell the European Stock Index it recommended a couple of years ago. Luckily I didn't ...

Nightowl99

Listening to Jack Bogle on YouTube calms me down when i get nervous about the stock market and the state of the economy.

Nightowl99

Ray Dalio says "cash is trash" : https://www.youtube.com/watch?v=tZyWVxGXPHo I think it's best to keep as much cash as you need but stay invested in the market because even if there is another downturn, all your dividends/reinvested interest will be buying more shares at a lower price. The...

Nightowl99

Thanks a bunch! This summarizes my plan: "I can just diversify as widely as humanly possible and forget about it."

Next I want to learn how to "tune out the noise" because there seems to be a lot of it out there lately.

Nightowl99

There's a podcast about RPAR on the Seeking Alpha website, in case you're interested. I may have also seen a YouTube video that goes into detail about the composition of RPAR and how it's leveraged, which explains how certain percentages appear to be over 100% sometimes. I don't understand all the i...

Nightowl99

Thanks. Obviously this subject is above my paygrade....

Nightowl99

Okay, so assuming that the fund will lose money for the unknown future, why not exchange some of it for something else? For example, I was considering the Emerging Markets Bond Fund (unhedged?) or the BWX etf (SPDR Bloomberg Barclays International Treasury Bond). Maybe it's better to stay put if the...

Nightowl99

As Vanguard's Portfolio Watch recommends, about 20% of my bond allocation is in the International Bond fund (VTABX), which is currently showing an SEC yield of 0.30%. The current inflation rate appears to be something like 0.6% (not sure if that's correct or not). So it would seem that I'm now payin...

Nightowl99

RBD can also mean really bad day.

Nightowl99

It's time to batten down the hatches. I've started watching Ray Dalio on YouTube. He recommends reducing risk by diversifying well in a balanced way, across countries, asset classes, and currencies. I try to be a good Boglehead but this makes sense to me. I don't think it hurts to have 20% or so in ...

Nightowl99

If you're wanting to have more currency diversification, with just a fraction of your portfolio, maybe you'd want to consider something like Emerging Markets Bonds instead. Just a thought. I wouldn't buy bitcoin myself, don't understand it.

Nightowl99

This is just the thing I was pondering today, so I appreciate the discussion. This time may really be different, and to me it seems like more inflation is inevitable sometime in the future, so I made a little exchange from Total Bond to Short-term inflation protected today. Without doing the math, i...

Nightowl99

I think the safest choices seem to be buying I bonds up to the annual limit and waiting as long as you can to claim SS benefits. Then, and I'm not necessarily recommending this for anyone else, maybe consider making a small adjustment to your asset allocation. After watching some YouTube videos of J...

Nightowl99

I don't really understand how the Fed works, but it seems that they have raised interest rates in the past to control inflation, and inflation will probably increase again sometime in the future. Even though the Fed intends to keep interest rates low until the current situation improves (for an unkn...

Nightowl99

If you're an AARP member, the latest email from them ("AARP Member Benefits Update"), offers an extra .10 on a Marcus by Goldman Sachs high yield savings account for a total of 1.15%. It's easy to apply for it if you already have a Marcus account, just takes a few clicks.

Nightowl99

The stock market has always come back after a crash in the past. I used to work with someone who sold equities during the last financial crisis. He said he really regretted it because he locked in his losses. Here's a quote from Jane Bryant Quinn ("How to Make Your Money Last"): "Sell...

Nightowl99

"Is the any reason that I shouldn't sell my long term bond funds (they're mostly in IRA accounts), and move the money to an IRA savings account at Ally or some other online bank, yielding 1.6% or more, and then move it back after LT rates normalize?" I'm thinking that if the long term bond...

Nightowl99

Are you kidding? Making the "temporary" change of selling stock funds when the Dow just had the biggest one day drop in history is selling low, the opposite of what you're supposed to do, and could easily result in a permanent loss to your portfolio because you don't know when stocks will ...

Nightowl99

I did most of my planned Roth conversion for the year the other day when there was a dip in the market, just to get it done. The market could drop some more but I figure there will be more time, by doing this earlier in the year, for the reinvested dividends to buy more shares in the Roth this way. ...

Nightowl99

Before I started reading advice from the Bogleheads about simplifying, I decided to make up my own little five-year bond ladder, a mix of CDs and treasuries, just to see what would happen. The average interest rate of that particular bond ladder turns out to be 2.65%. So, today I can compare that to...

Nightowl99

Property taxes should go down when your mom turns 65, if she lives in Austin. I think calling Vanguard to get assistance with transferring funds is a great idea. Find out if there are any tax consequences before transferring funds from the 401k to the Vanguard account. Options for handling an inheri...

Nightowl99

I'm not an expert but would recommend the books listed in the "Suggested Reading" section of this website, along with books by Jane Bryant Quinn, such as How to Make Your Money Last . That book, along with the Bogleheads' Guide to Investing , helped a lot with my retirement planning, so I ...

Nightowl99

I have roughly two years' worth of expenses in cash, split between a savings account, a money market fund, and c.d.s. I like Sheepdog's idea of reinvesting dividends in tax deferred accounts only. The dividends in my taxable account get sent to my savings account automatically.

Nightowl99

I think you're right to be a little conservative with this money since a crash is bound to happen sooner or later. The only problem is, nobody knows when the crash will happen. So here's an idea that's in between being a Boglehead and being a market timer: Decide on what the best asset allocation is...

Nightowl99

Thank you for the reply! I am so happy to have found the Bogleheads website and the helpful information that everyone shares.

Nightowl99

If I decide to make partial Roth conversions over the next seven years, up to the top of the 22% tax bracket, I can pay the taxes with money from my taxable account. The Retiree Portfolio Model indicates that I may come out ahead by doing this, maybe ~$80,000 if I live to be 90, or something like th...

Nightowl99

Generally speaking, I think of the Woodlands as a distant suburb of Houston. It may be somewhat safer than Houston and is not bad overall. The traffic going to and from Houston will not be fun. Try to arrange a long visit there before making a decision, if possible. The best advice I can think of: D...

Nightowl99

I guess everyone's experience is different because I like Vanguard the best so far. I haven't compared expense ratios of funds lately, but back when I did, several years ago, Vanguard's were the lowest. My experience with Schwab was limited to the time I visited an advisor there: she recommended tha...

Nightowl99

About 20% of my bond allocation is in the International Bond Fund. I like the idea of being diversified with bonds, and the performance may be a little better than the Total Bond Fund, for now, if I'm not mistaken. I didn't put too much thought into doing this, though. It was suggested by Vanguard's...

Nightowl99

I'm not an expert but I think you have things just right for tax efficiency. I'd be concerned about owning that much company stock, though. Maybe consider buying it at the discounted price but exchanging it for something else, like the more of the index funds you already have. Maybe keep the company...

Nightowl99

When you read about the LifeStrategy Moderate Growth Fund on Vanguard's website, you can see what it's comprised of by clicking on the "Portfolio & Management" tab and scrolling down. You'll see something like this: Ranking by Percentage Fund Percentage 1) Vanguard Total Stock Market I...

Nightowl99

I recently sold my townhouse, which caused a sizable increase in my taxable account. Now my plan is to keep mostly bond funds in my traditional IRA and stock funds in my taxable account because of the more favorable capital gains tax on dividends. My question is, what is the best way to determine th...

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