Search found 12363 matches

by abuss368
Fri Jun 15, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Newsletters & Research Reports
Replies: 2
Views: 377

Re: Vanguard - Newsletters & Research Reports

garlandwhizzer wrote:
Fri Jun 15, 2018 12:55 pm
I occasionally read their research reports and in general I think they are helpful.

Garland Whizzer
There are some good reports available.
by abuss368
Fri Jun 15, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 46
Views: 2288

Re: Question for those who used 529 plans

I always liked the bucket or silo approach of segregating college funding from our assets. Two additional benefits are a 529 plan is removed from your estate and not subject to creditors.
by abuss368
Fri Jun 15, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Newsletters & Research Reports
Replies: 2
Views: 377

Vanguard - Newsletters & Research Reports

Hi Bogleheads -

Vanguard publishes a few different newsletters and research reports:

* Financial Planning Perspectives

* Global Macro Matters

* Vanguard Investment Counseling & Research reports


Does anyone read these newsletters and research reports? Are they beneficial?
by abuss368
Thu Jun 14, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1260

Re: Anyone buying Individual Short Term Treasuries?

We invested in Vanguard's Treasury Funds many years ago. Now we simply invest in Total Bond Index. It does the job. However, in my opinion there is nothing wrong with investing in Treasury Funds. In fact, David Swensen, Yale University CIO, recommends Treasuires and TIPS only for a bond strategy.
by abuss368
Thu Jun 14, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018195

Re: What Movie Have You Recently Watched?

"The Departed" on Netflix. Very good film!
by abuss368
Thu Jun 14, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 46
Views: 2288

Re: Question for those who used 529 plans

We opened our 529 College Plans many years ago and they have performed well and as expected. We hold the accounts with Vanguard and selected a simple all in one fund that is age based. That is the allocation to bonds increases as the beneficiary ages and ultimately moves closer to the college age wh...
by abuss368
Thu Jun 14, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 533

Re: Which bond fund in 401k?

I am using most of my 401k for bond holdings. Most of my equities are in Roth and taxable. AA is 60/40 (25% international). 3 years from retirement (hopefully). These are my choices in my 401k: FID Managed Income Portfolio II Class 3 0.34% BLKRK HIGH YLD BD K (BRHYX) 0.55% DODGE & COX INCOME (DODIX...
by abuss368
Thu Jun 14, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 17
Views: 1334

Re: Vanguard or Charles Schwab account

I currently have an account with Fidelity.I want to open another account for index fund investing. Is it better to open Charles Schwab account or Vanguard account? Hi sturaga86 - Welcome to the Bogleheads! Looking back, moving our investment portfolio to Vanguard was the best financial decision we ...
by abuss368
Thu Jun 14, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Schwab's market predictions next 10 years
Replies: 20
Views: 2632

Re: Schwab's market predictions next 10 years

Schwab's market forecast - https://www.schwab.com/resource-center/insights/content/why-market-returns-may-be-lower-in-the-future What do you think about this Schwab article ? Typically companies like Vanguard, Schwab, Fidelity are not right on market commentary, outlook. Vanguard on 2017 outlook as...
by abuss368
Tue Jun 12, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Makes Factors Endure
Replies: 55
Views: 3363

Re: Larry Swedroe: What Makes Factors Endure

Bogleheads: Alternate ideas are good, but we must never forget the fundamental purpose of this forum: " Investing advice inspired by John Bogle." This is what Mr. Bogle thinks about "factors" (also known as "smart beta"): “Sometimes [investors] will pick the right factor, sometimes they will pick t...
by abuss368
Mon Jun 11, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9282

Re: Yes, you can diversify a market portfolio

Several times in recent weeks I've seen a reply on the Bogleheads forum that said "you can't diversify a market portfolio" or something along those lines. This isn't true. Hi vineviz - I am not sure I follow. If an investor owns a market portfolio then by default are they are not diversified? Best.
by abuss368
Sat Jun 09, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: REIT Index funds and high P/E ratios. Better to cherry pick than hold the index?
Replies: 8
Views: 733

Re: REIT Index funds and high P/E ratios. Better to cherry pick than hold the index?

A true measure of a REITs operating performance is Funds From Operations (FFO) and Adjusted Funds From Operations (AFFO) which is not as consistent between individual REITs. This is because a REITs (ignoring mortgage REITs) rent property. REITs are different from Common Stocks. Taxed different. Lega...
by abuss368
Fri Jun 01, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3060
Views: 943831

Re: What Book Are You Currently Reading? Part VI

President Ronald Reagan "An American Life". Really good!
by abuss368
Fri Jun 01, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 25
Views: 2622

Re: Quicken Alternatives

I guess this was a lesson to keep investing simple. No need for Quicken! Perhaps I am moving in the direction of no need for spreadsheets.
by abuss368
Fri Jun 01, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 25
Views: 2622

Re: Quicken Alternatives

Bogleheads - I purchased Quicken Deluxe for Mac. The next day I called them and returned for a full refund. I was beyond surprised at how bad and stoppage like the Mac version is. Most of the features for the Microsoft Windows feature are missing. The true surprise for me was the reporting and scree...
by abuss368
Fri Jun 01, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11462

Re: To be or not to be complex, that is the question

This is a good post. Over time we have simplified and are always looking for more simplicity both in our financial lives and non financial lives.
by abuss368
Wed May 30, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018195

Re: What Movie Have You Recently Watched?

We started "Blacklist" on Netflix. A few episodes in and we are really enjoying the show.
by abuss368
Wed May 30, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account
Replies: 17
Views: 2310

Re: Vanguard Brokerage Account

Do the brokerage statements provide year to date information yet? No, they do not. At least mine don't. I save the household monthly statement in PDF format. That just frustrates me especially in this day and age! I believe Mel had mentioned to Vanguard that quarterly statements would be appreciate...
by abuss368
Wed May 30, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account
Replies: 17
Views: 2310

Re: Vanguard Brokerage Account

Do the brokerage statements provide year to date information yet?
by abuss368
Mon May 28, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 54
Views: 8351

Re: Should one use REITs

One respected investor advisor, Rick Ferri, has recommended REITs in the past. He favors them because they provide some correlation protection to a portfolio. Rick's investment advice is pretty solid and he includes REITs in his "core four" portfolio. (Eight percent I believe.) I believe Rick is st...
by abuss368
Mon May 28, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 25
Views: 2622

Re: Quicken Alternatives

LadyGeek wrote:
Sat Mar 24, 2018 5:39 pm
abuss368 - I merged your thread into here. Although your thread title is for Quicken, I believe your intent is to look at alternatives.

frotec, Welcome!
Thanks LadyGeek!
by abuss368
Thu May 24, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 848

Re: Quicken Alternatives

Thank you for listing alternatives. It appears that Quicken is probably the most well know and used program.
by abuss368
Thu May 24, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's new posting rules
Replies: 16
Views: 1211

Re: Morningstar's new posting rules

cfs wrote:
Wed May 23, 2018 11:20 pm
There are about 30 forums in M* including Vanguard and Bogleheads. There is activity in "some" of the forums, plus readers drop by to check articles, portfolio x-ray, quotes, use the charts. Good luck with or without M* y gracias por leer / cfs
I was not aware there are that many forums.
by abuss368
Thu May 24, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 848

Quicken Alternatives

Hi Bogleheads - In relation to another thread that I started regarding Quicken, my question is what other alternatives are there in personal finance software that allows the user to record and keep tract of cost basis? Does Mint do this as well? Personal Capital? My reading of these programs (of whi...
by abuss368
Wed May 23, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Morningstar's new posting rules
Replies: 16
Views: 1211

Re: Morningstar's new posting rules

Bogleheads: As a long-time poster on the Morningstar Vanguard forums (26,446 posts), I was surprised that I was unable to make a post to help answer a question. Accordingly, I wrote to Morningstar and this was their reply: Thank you for writing to Morningstar. We have recently made few important se...
by abuss368
Wed May 23, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2576

Re: Quicken - Do you use it?

jebmke wrote:
Wed May 23, 2018 3:47 pm
I use Quicken 2012 but only to track the cost basis for all my taxable assets.
Are any of the Quicken alternatives able to calculate cost basis?
by abuss368
Tue May 22, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 38
Views: 3673

Re: Bogle featured in Barrons cover story

Bogleheads: I agree with Mlebuf, the co-author of my first book. I have known Jack Bogle personally for many years. I never once heard him talk about the fantastic growth of Vanguard, the number of employee, the number of funds he started, or even the huge number of investors he has helped. One nig...
by abuss368
Tue May 22, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 50
Views: 2576

Quicken - Do you use it?

Bogleheads - I am interested in everyone's thoughts regarding Quicken and if they use (or don't use) the personal finance software. Why do you use (or not use) the program? What value does it bring? Do you use it for your entire financial picture or just your investment portfolio? I am interested in...
by abuss368
Tue May 22, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3390

Re: Vanguard Announces Plans To Launch Total World Bond ETF

guyesmith wrote:
Tue May 22, 2018 2:40 pm
cfs wrote:
Mon May 21, 2018 10:38 am
Here we go, get ready for the Two-Funder
-- Total World Stock
-- Total World Bond
I bet ya this is the future of Vanguard Target Date Retirement Funds.
I have thought about this for a while. The question then is would all the “total” funds have expense ratio increases?
by abuss368
Mon May 21, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total World Bond ETF
Replies: 30
Views: 3390

Re: Vanguard Announces Plans To Launch Total World Bond ETF

Is there a foreign tax credit with the bond fund? If so would this present a problem like Total International Stock did when it was a fund of funds?
by abuss368
Sun May 20, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Parents
Replies: 12
Views: 1397

Re: Help Me Help Parents

Thanks for the input, all. We are not going to do an annuity - going to have further discussions about putting me somewhat in control of their finances and distributions. Not sure if we will accomplish that with a trust - tbd - need to talk it over. I was thinking along the same lines that perhaps ...
by abuss368
Sun May 20, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Parents
Replies: 12
Views: 1397

Re: Help Me Help Parents

You could place the $40,000 into a money market fund. I would be concerned that they have no savings. Could the IRA be placed in an all in one Target fund?
by abuss368
Sun May 20, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 8183

Re: $1,700,000 from family trust...

Wouldn't it be the same if OP paid off the debt and then reinvested the income and remaining principal? Also, the interest on the mortgage and credit cards quite likely exceeds the earnings on the investments. I'd pay off all debt and invest the balance. Gill The yield should be stable. Taking $130...
by abuss368
Sun May 20, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 59
Views: 8183

Re: $1,700,000 from family trust...

I am new to the Boglehead forum but after reading quite a lot of the Q&A I believe I am woefully in need of this forums expertise. I am to receive (in approx. 60 days) $1,700,000 from my parents trust. My wife and I are both 57 yrs old and plan to continue to work until age 62. I have a small amoun...
by abuss368
Sun May 20, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 139
Views: 13788

Re: Vangaurd Municipal Money Market VMSXX 1.39%

am wrote:
Sun May 20, 2018 8:46 am
Do you know if sec yield of short term muni is more stable than muni money market? I switched to muni mm at sec yield of 1.55 and now its 1.33 and dropping
I do not know. The yield for the Prime Money Market fund has been increasing and is presently 1.86%.
by abuss368
Sun May 20, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20111

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

He never mentions Treasury inflation-protected securities (TIPS). He never says why. Are his comments supposed to apply to TIPS, too, or only to nominal bonds? I don't know. AFAIK he hasn't said. I've followed Buffett for a long time and don't recall him ever specifically addressing TIPS, but I fee...
by abuss368
Sun May 20, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 14968

Re: I’m still not a fan of international bond funds

Bonds drive me crazy! We're non-USA persons who invest like USA Bogleheads. We're always playing "catch up" with our USA person counterparts. I'm completely comfortable with owning just ONE FTSE all world equity ETF (LSE:VWRD) that covers 90% of the world's investable securities for our equity allo...
by abuss368
Sun May 20, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 139
Views: 13788

Re: Vangaurd Municipal Money Market VMSXX 1.39%

How about the Vang. Short term muni fund as a replacement for the money market at high brackets? The yield for short term muni is 1.76% and the price has fluctuated about 1% over the year. There’s also no frequent trading restriction as far as I know. You could do this however this would involve a ...
by abuss368
Sat May 19, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 139
Views: 13788

Re: Vangaurd Municipal Money Market VMSXX 1.39%

We moved to Vanguard Prime Money Market last summer and this has worked well.
by abuss368
Sat May 19, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1377

Re: International -- VXUS or slice and dice?

We have invested in Vanguard Total International Stock and Vanguard's International REIT/RE Index fund for many years. International is 40% of our equities overall. Total International is 28% and Total International Real Estate is 12%. How was that calculated? Of the 40% overall, real estate is 30% ...
by abuss368
Sat May 19, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 726

Re: Vanguard Year End Tax Forms

grabiner wrote:
Sat May 19, 2018 4:22 pm
You might need the 5498 for a Roth IRA, as proof of your contributions if you withdraw before 59-1/2.
That is the only situation I could think of. The taxable accounts would not be a factor.
by abuss368
Sat May 19, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 48305

Re: "Why 97% of People Don't Use 529 College Savings Plans."

We opened college 529 plans many years ago with our state. We eventually moved the assets to Vanguard and selected a simple all in one target fund. Vanguard has continued to lower the cost of the plan. From a planning aspect, I like having the funds allocated and invested for the specific purpose of...
by abuss368
Sat May 19, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: "Keep it Simple With Index Funds"
Replies: 8
Views: 1922

Re: "Keep it Simple With Index Funds"

Taylor -

Thank you for sharing.
by abuss368
Sat May 19, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 726

Re: Vanguard Year End Tax Forms

I wanted to add to my original post: is there a situation outside of a Traditional IRA with nondeductible contributions, where the historical Form 5498's may be needed?
by abuss368
Sat May 19, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20111

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

Alexa9 wrote:
Sat May 19, 2018 1:26 pm
Buffet wants everyone to drive up Apple's stock price for obvious reasons. He is a little less slimy than Icahn.
Ouch. He always presents himself well on CNBC.
by abuss368
Sat May 19, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20111

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

The financial crisis taught a really valuable lesson. And that is, bonds provided: 1) safety, and more importantly 2) a pool of assets that were available to rebalance to stocks. In hindsight, staying the course was the best decision we made.
by abuss368
Sat May 19, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20111

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

There is a big difference between what Berkshire Hathaway invests in and what an individual should invest in. I believe this has historically been a problem for many investors to grasp. Many investors believe that investing in the companies Mr. Buffett does will yield the same results. Nothing coul...
by abuss368
Sat May 19, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20111

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

visualguy wrote:
Sat May 19, 2018 12:07 am
rjb112 wrote:
Fri May 18, 2018 10:21 pm
So what should we invest in besides stocks?
Direct real estate - rental properties.
What about REITs - U.S. and International?