Search found 31 matches

by HickoryHill
Wed Oct 10, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation re: Social Security
Replies: 13
Views: 1065

Re: Allocation re: Social Security

Thanks for all of the comments. I am now back to my original calculation; that is, using the portfolio as an adjunct to my SS income, to the extent needed, and using a normalized (50-70%) equity allocation for that adjunct amount. Fortunately, it's not a large amount, so my bond allocation can remai...
by HickoryHill
Wed Oct 10, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation re: Social Security
Replies: 13
Views: 1065

Re: Allocation re: Social Security

If you were to consider SS Benefits like a bond in terms of your asset allocation you would invest more aggressively than Bogle's "age in bonds" recommendation. Your bond holdings would be inflated and you would hold more in stocks to compensate. I too subtract SS from expenses. I agree. When I did...
by HickoryHill
Tue Oct 09, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation re: Social Security
Replies: 13
Views: 1065

Re: Allocation re: Social Security

Thank you. Prior to reading Bogle's method, I have simply determined my income needs from the portfolio based on total income, less social security income. Depending on which approach is used the resulting allocation is different.
by HickoryHill
Tue Oct 09, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation re: Social Security
Replies: 13
Views: 1065

Allocation re: Social Security

I'm in the process of removing an external advisor and funds are at Fidelity. My goal is to get as close to 3 funds as possible, having studied Taylor Larimore's 3-Fund book and also having read a lot of John Bogle's writings. I am retired and one recommendation from Bogle that I have not seen befor...
by HickoryHill
Tue Jul 31, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help With CD's
Replies: 20
Views: 2786

Re: Help With CD's

I've been investigating the same thing, and have my holdings at Fidelity. I took some cash from a bank savings account (net negative interest paid) 7/27 and placed in a taxable joint account I have with my wife. I will be buying a brokered 2-year laddered CD tomorrow. New rates should have been post...
by HickoryHill
Fri Jul 13, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

Regarding international exposure, Wellesley Income and Wellington have about 6% and 11%, respectively, invested in international stocks. Investing in international stocks and bonds involves currency exchange rate risk and political risk as well as securities performance risk. An argument can be mad...
by HickoryHill
Thu Jul 12, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / ...
by HickoryHill
Thu Jul 12, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / ...
by HickoryHill
Wed Jul 11, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

The performance of the Puritan fund has been roughly 1% better than VSMGX over recent years, and I wonder why. Today I will begin to dig into the details. According to M*, Puritan is nearly 67% stocks (versus 60% for VSMGX) with a smaller allocation to international. Those two factors could easily ...
by HickoryHill
Wed Jul 11, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

The performance of the Puritan fund has been roughly 1% better than VSMGX over recent years, and I wonder why. Today I will begin to dig into the details. According to M*, Puritan is nearly 67% stocks (versus 60% for VSMGX) with a smaller allocation to international. Those two factors could easily ...
by HickoryHill
Wed Jul 11, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

Index Fan wrote:
Wed Jul 11, 2018 10:15 am
Vanguard LifeStrategy Growth was my first Vanguard fund back in the 90s.

Good funds.
Thanks
by HickoryHill
Wed Jul 11, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

We like LifeStrategy and are migrating assets to it from Schwab. It’s fine to refer to LifeStrategy as a “one fund solution” but it’s not really—it’s a four fund solution, and you have to decide between 4 different allocations of those 4 funds. The investor needs to look under the hood and have a b...
by HickoryHill
Wed Jul 11, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

I took on an advisor nearly a year ago, with 1% fee, and my goal was to get my investments as well diversified as possible. I finally came to the conclusion after many years of investing, mostly through an advisor, that Jack Bogle had it all right with complete diversification, weighted for age, go...
by HickoryHill
Tue Jul 10, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: [Considering the Vanguard LifeStrategy Fund]

In 2014, just prior to my retirement, the situation for DW and I wasn't too different from yours. In our IRAs we had a slice and dice portfolio of 14 funds, all at Vanguard, not an adviser. My goal was to simplify and reduce risk. I did this by moving to a portfolio of Life Strategy Moderate Growth...
by HickoryHill
Tue Jul 10, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

DesertDiva wrote:
Tue Jul 10, 2018 2:19 pm
HickoryHill wrote:
Mon Jul 09, 2018 8:44 pm
I feel a bit uncomfortable with only 2,3 or 4 fundss/ETFs, even when each might be a fund of funds.
Read: https://www.amazon.com/Bogleheads-Guide ... 290&sr=1-1
Thanks
by HickoryHill
Tue Jul 10, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

SimplicityNow wrote:
Tue Jul 10, 2018 3:37 pm
I'll just reinforce the already excellent advice you have received so far.

1) Keep it simple. Life Strategy or Target Date or the 3 Fund portfolio is all you really need.

2) You don't need the advisor.
Thank you
by HickoryHill
Tue Jul 10, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

GAAP wrote:
Tue Jul 10, 2018 2:13 pm
If these are all low-cost ETFs, then the best bang for your buck is to drop the advisor -- nothing else will save you as much money.

Choosing whether or not to go to fewer funds is a different decision, followed by which funds do you need.
Thanks
by HickoryHill
Tue Jul 10, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

BL wrote:
Tue Jul 10, 2018 3:45 pm
How about changing the thread title to the correct name of the fund, LifeStrategy?
Each LifeStrategy Fund invests in four broadly diversified Vanguard funds and is subject to the risks associated with those underlying funds.
.
Sure. As soon as I figure out how to do that.
by HickoryHill
Tue Jul 10, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

OP, I’ve done well using index funds , low cost and very diversified. Total stock(US), Total bond and Total International. I have all of the categories of stock ( large growth, large value, small growth, small value) in the total indexes. I once had a slice and dice portfolio that did not work that...
by HickoryHill
Tue Jul 10, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

It seems counterproductive to add funds to VSMGX for "further diversification" given that it is a "fund of funds" already. There would be the option to "tilt" perhaps by adding in Small Cap, Small Cap Value, International, etc etc etc, but doing even that would seem to defeat the purpose of "simpli...
by HickoryHill
Tue Jul 10, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

It seems counterproductive to add funds to VSMGX for "further diversification" given that it is a "fund of funds" already. There would be the option to "tilt" perhaps by adding in Small Cap, Small Cap Value, International, etc etc etc, but doing even that would seem to defeat the purpose of "simpli...
by HickoryHill
Tue Jul 10, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

A certain amount of protection from malfeasance within a given fund is probably part of the feeling. Having worked in operations I would not worry about this. Between dual controls, external auditors, and government regulation things are pretty tight. I can only think of a few minor cases of malfea...
by HickoryHill
Tue Jul 10, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

Vanguard Life Strategy Fund Great Idea... I Currently hold monies in Lifestrategy Conservtive Growth Fund. I glance it it a couple times a year. It is simple and effective. :happy Thank you. I think my question is whether site members feel comfortable with have very large portions of their portfoli...
by HickoryHill
Tue Jul 10, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

I am so used to thinking about diversifying with several funds/ETFs (e.g. VSMGX) that I feel a bit uncomfortable with only 2,3 or 4 fundss/ETFs, even when each might be a fund of funds. What exactly makes you feel uncomfortable? Maybe breaking it down will help. Thanks for your thoughts. There is p...
by HickoryHill
Tue Jul 10, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

I am so used to thinking about diversifying with several funds/ETFs (e.g. VSMGX) that I feel a bit uncomfortable with only 2,3 or 4 fundss/ETFs, even when each might be a fund of funds. What exactly makes you feel uncomfortable? Maybe breaking it down will help. Thanks for your thoughts. There is p...
by HickoryHill
Tue Jul 10, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

Thanks.
It's my understanding that the Lifestyle Strategies is very similar to the target-date type funds, in that one can choose the ratio of equities vs fixed income depending on one's needs. Each of the Lifestyle Strategy funds is a fund of funds.
by HickoryHill
Tue Jul 10, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

Why not post what you have (edit original post) and get comprehensive suggestions specific to your financial positions? Here's the format: Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Some reading: Bogle 3 Fund Portfolio Basics and Beyond https://www.boglehea...
by HickoryHill
Tue Jul 10, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

OP, I’ve done well using index funds , low cost and very diversified. Total stock(US), Total bond and Total International. I have all of the categories of stock ( large growth, large value, small growth, small value) in the total indexes. I once had a slice and dice portfolio that did not work that...
by HickoryHill
Tue Jul 10, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

Vanguard Life Strategy Fund Great Idea... I Currently hold monies in Lifestrategy Conservtive Growth Fund. I glance it it a couple times a year. It is simple and effective. :happy Thank you. I think my question is whether site members feel comfortable with have very large portions of their portfoli...
by HickoryHill
Tue Jul 10, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

Re: Lifestyle Strategies

I am so used to thinking about diversifying with several funds/ETFs (e.g. VSMGX) that I feel a bit uncomfortable with only 2,3 or 4 fundss/ETFs, even when each might be a fund of funds. What exactly makes you feel uncomfortable? Maybe breaking it down will help. Thanks for your thoughts. There is p...
by HickoryHill
Mon Jul 09, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5705

[Considering the Vanguard LifeStrategy Fund]

I took on an advisor nearly a year ago, with 1% fee, and my goal was to get my investments as well diversified as possible. I finally came to the conclusion after many years of investing, mostly through an advisor, that Jack Bogle had it all right with complete diversification, weighted for age, goa...