Search found 12524 matches

by abuss368
Fri Aug 17, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3987

Re: Vanguard Switch to Brokerage Accounts

If one transitions to a brokerage account, it is my understanding you can hold mutual funds in the account. You do not need to move to ETFs correct? This appears to be correct. Thanks Abuss. So, I guess that when you own MFs that are wrapped inside a brokerage account you have to play by the rules ...
by abuss368
Fri Aug 17, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3987

Re: Vanguard Switch to Brokerage Accounts

Believe it or not but as was posted in the last rant thread on Vanguard brokerage vs mutual fund accounts that Vanguard will be transitioning all accounts to brokerage accounts in the near future. I would not be making long tern plans based on the mutual fund structure. However, we also know Vangua...
by abuss368
Fri Aug 17, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7527

Re: Vanguard loses its soul with new website

^^^ Jumping to the top of a new page can do that. Here it is again. (You raise some valid points, but the post belongs in this thread.) Vanguard’s previous website design reflected the values of “Vanguarding” whereas the new Vanguard website design offers soulless minimalism. “Vanguarding” means: 1...
by abuss368
Fri Aug 17, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3987

Re: Vanguard Switch to Brokerage Accounts

I would not have a problem with brokerage accounts. It does not seem to be anything major. However, the one thing that is preventing us from changing (and thus getting upset) is the brokerage statements. Our mutual fund accounts have year to date statements. We only save a print on statement each y...
by abuss368
Fri Aug 17, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate?
Replies: 62
Views: 4533

Re: Why the Yale Endowment Hate?

I've been hearing index investors lambasting the Yale model recently. Where is this coming from? It's my understanding that the Yale model is a respected allocation for index investors. Is this allocation no longer any good? Bogleheads argue with the Yale model because David Swensen and Warren Buff...
by abuss368
Fri Aug 17, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3987

Re: Vanguard Switch to Brokerage Accounts

I would not have a problem with brokerage accounts. It does not seem to be anything major. However, the one thing that is preventing us from changing (and thus getting upset) is the brokerage statements. Our mutual fund accounts have year to date statements. We only save a print on statement each ye...
by abuss368
Fri Aug 17, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 52
Views: 3987

Re: Vanguard Switch to Brokerage Accounts

Believe it or not but as was posted in the last rant thread on Vanguard brokerage vs mutual fund accounts that Vanguard will be transitioning all accounts to brokerage accounts in the near future. I would not be making long tern plans based on the mutual fund structure. However, we also know Vangua...
by abuss368
Fri Aug 17, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16370

Re: Who uses the 3 fund portfolio ?

ponyboy wrote:
Thu Aug 16, 2018 4:19 pm
I have a 3 fund portfolio minus the international. So really I have a 2 fund portfolio.
Jack Bogle’s Two Fund Portfolio! Simple and effective!!!
by abuss368
Fri Aug 17, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate?
Replies: 62
Views: 4533

Re: Why the Yale Endowment Hate?

As an alternative you could consider the Three Fund Portfolio or the Core-4 for simplicity and effectiveness.
by abuss368
Fri Aug 17, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate?
Replies: 62
Views: 4533

Re: Why the Yale Endowment Hate?

I've been hearing index investors lambasting the Yale model recently. Where is this coming from? It's my understanding that the Yale model is a respected allocation for index investors. Is this allocation no longer any good? Bogleheads argue with the Yale model because David Swensen and Warren Buff...
by abuss368
Thu Aug 16, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8237

Re: Any Boglehead powerlifters?

Crunches are silly. Hi corn18 - As noted earlier I read about crunches from Arnold. With the poundages I moved over the years this always worked very well. Especially with any back flare ups. It has been my experience and the experience of other powerlifters and bodybuilders (both professional and ...
by abuss368
Thu Aug 16, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4731

Re: How often do you check your brokerage accounts

RagnarRahl: I do not have a brokerage account. Everything is held directly with Vanguard and in my checking account. I check my Vanguard balance for fraud or mistakes once or twice a year. Never had a problem. Best wishes. Taylor How long do you have to report an account error once it is called to ...
by abuss368
Thu Aug 16, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8237

Re: Any Boglehead powerlifters?

One item I learned over the years with a sore or pulled back: it is usually the result of weak abs. What abdominal exercises are recommended for those with lower back pain? I have avoided abs thinking it is what makes my back sore but that could be all wrong. Crunches with legs up 45 degrees. As yo...
by abuss368
Thu Aug 16, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Sam Zell
Replies: 14
Views: 1825

Re: Sam Zell

To follow up it appears to be mixed thoughts in terms of REITs and the LA Times. It is hard to get your head around exactly what happened.
by abuss368
Thu Aug 16, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Sam Zell
Replies: 14
Views: 1825

Re: Sam Zell

To follow up it appears to be mixed thoughts in terms of REITs and the LA Times. It is hard to get your head around exactly what happened.
by abuss368
Thu Aug 16, 2018 12:08 am
Forum: Investing - Theory, News & General
Topic: Sam Zell
Replies: 14
Views: 1825

Re: Sam Zell

Bogleheads -

What are your updated thoughts os Sam Zell? He recently wrote his first book.

Best.
by abuss368
Wed Aug 15, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 16370

Re: Who uses the 3 fund portfolio ?

Bogleheads -

In my opinion the Three Fund Portfolio is very sophisticated and effective strategy. I believe many Bogleheads have this portfolio.

Keep investing simple.

Best.
by abuss368
Wed Aug 15, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 51
Views: 3492

Re: Bullish/bearish on GE? Make your case here - new lows today

GE is doing decade lows today. I bought $2000 worth at 12.xx today . In 2008, their low was ~$8.50. Today they're trading $12.xx. I can see it doing 8 unless it goes to zero which means I'll take heat for about 1/3 of my position size. If their old low marks the ultimate bottom. I don't really know...
by abuss368
Wed Aug 15, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 32
Views: 5100

Re: REIT Magazine

MJW wrote:
Tue Aug 14, 2018 11:30 pm
abuss368 wrote:
Tue Aug 14, 2018 8:19 pm
Any updated thoughts to this thread?
I will be interested to see Rick Ferri's new site when it launches and whether his views on REITs have evolved in any way from when he was more active on the BH forum. From recent comments it appears his views are mostly the same.
Agreed.
by abuss368
Wed Aug 15, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 83
Views: 16826

Re: Jack Bogle - Two Fund Portfolio

bikechuck wrote:
Wed Aug 15, 2018 2:11 pm
Vanguard's balanced funds all seem to have more international exposure than I would like.
For investors not happy with the inclusion of international securities in balanced funds, Jack’s Two Fund Portfolio may be an attractive strategy.
by abuss368
Tue Aug 14, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 39
Views: 3752

Re: REITs - 20% Qualified Income Deduction

TropikThunder wrote:
Mon Aug 13, 2018 7:21 pm
Aren't mutual funds set up legally as corporations?
Bogleheads -

Mutual Funds are considered RIC - Regulated Investment Company.

You can read more here:

https://www.investopedia.com/terms/r/ric.asp
by abuss368
Tue Aug 14, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Holding only VWENX for retirement
Replies: 12
Views: 1035

Re: Holding only VWENX for retirement

Wellington is 100% US. <--- I was wrong, see KlangFool below. Wellington is currently, according to Morningstar , 51.17% US stock and 13.45% international stock, meaning that 21% of its stock holdings are international. That is interesting. I always assumed (incorrectly) that Wellington invested in...
by abuss368
Tue Aug 14, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3148

Re: Larry Swedroe:Don’t Go “Mad Money”

Bogleheads -

I read an interview with David Swensen, Yale University CIO, that he was concerned that investors are betting their financial future and security on Jim Cramer's stock picks.
by abuss368
Tue Aug 14, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3148

Re: The advice of Jim Cramer vs. Jack Bogle

Bogleheads: This is a post written ten years ago: Jack Bogle and Jim Cramer Post by Taylor Larimore » Mon Oct 20, 2008 4:21 pm Hi Bogleheads: I met Mr. Cramer one time. It was during Diehards I in Miami in March 2000--at the peak of a long bull market. Jack Bogle and Jim Cramer were Keynote speaker...
by abuss368
Tue Aug 14, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 128
Views: 5613

Re: how much car can we afford?

You should be well aware of what vehicle you can and can not afford.

I would make an educated financial decision and move on.
by abuss368
Tue Aug 14, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28901

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Bogleheads -

In my opinion there are many experts, who know a lot more about investing than I do, who recommend an allocation to internationals stocks. Some recommend an allocation to international bonds.

Best.
by abuss368
Tue Aug 14, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 32
Views: 5100

Re: REIT Magazine

Any updated thoughts to this thread?
by abuss368
Tue Aug 14, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Chinese ETF or Gold or something else?
Replies: 17
Views: 1201

Re: Chinese ETF or Gold or something else?

The problem with Gold is there are a lot of investment experts that recommend a position and a lot that do not.

Gold is essentially a rock that does not provide any earnings growth or dividends.

I would avoid this asset class.
by abuss368
Tue Aug 14, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Holding only VWENX for retirement
Replies: 12
Views: 1035

Re: Holding only VWENX for retirement

Wellington is 100% US. <--- I was wrong, see KlangFool below. Wellington is current, according to Morningstar , 51.17% US stock and 13.45% international stock, meaning that 21% of its stock holdings are international. That is interesting. I always assumed (incorrectly) that Wellington invested in o...
by abuss368
Tue Aug 14, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Holding only VWENX for retirement
Replies: 12
Views: 1035

Re: Holding only VWENX for retirement

Hi Everyone, First time post here. Currently I hold all my retirement savings about 360K in Wellington (VWENX). I was wondering is it really a good idea to hold only one fund like Wellington for retirement. I'm 60 and plan on retiring at 65, would like to know the Pros and Cons or any suggestions i...
by abuss368
Tue Aug 14, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why bonds when they return nothing over inflation?
Replies: 31
Views: 4723

Re: Why bonds when they return nothing over inflation?

Why Bonds? During the financial crisis a bond allocation served two very important purposes: * Provided safety to an investment portfolio * Provided an opportunity to rebalance and buy stocks Having a sensible asset allocation between stocks and bonds based on goals, risk tolerance, and time frame i...
by abuss368
Tue Aug 14, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28901

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I would also expect based on current values that there may be better upside with international.
by abuss368
Tue Aug 14, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 516
Views: 28901

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I would have invested the $2 million in Apple when the split adjusted price was 0.39 a share! That would be $410 MILLION today! Imagine living off that yield.

Hindsight is a beautiful thing.
by abuss368
Sun Aug 12, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6180

Re: Paper checks yes or no?

Nova1967 wrote:
Sun Aug 12, 2018 8:53 am
I prefer a credit card or bill pay but If the vendor does not accept credit cards or wants to tack on 3% for using a credit cards its better to write a check,
Agreed.
by abuss368
Sun Aug 12, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 239
Views: 19666

Re: "Don't Obsess About Expense Ratios"

I am unsure why Fidelity just did not cut the expense ratio's to their existing index funds. Now anyone with capital gains may not be able to invest in the new offerings. I would assume it has to do with their internal index saving some $ potentially. They did drop their existing funds to essential...
by abuss368
Sun Aug 12, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: I had a meeting with David Swensen tonight!
Replies: 59
Views: 9462

Re: I had a meeting with David Swensen tonight!

Here's the updated version of this comparison. I believe Swensen moved from 20% REIT to 15%. Anyway, this link compares Swensen's portfolio to the 3 fund with the same AA. It's a tie, and the conclusion is.... Lesson learned: Portfolios do not need to be complicated to be successful. :happy https:/...
by abuss368
Sun Aug 12, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: New to the Vanguard approach and in mid 40's - how would you start?
Replies: 13
Views: 1196

Re: New to the Vanguard approach and in mid 40's - how would you start?

I would recommend educating yourself about investing with some of the excellent books that are recommended don this forum. Some of my favorites that I always recommend: * The Bogleheads Guide to Investing * The Bogleheads Guide to Retirement * The Bogleheads Guide to the Three Fund Portfolio * John...
by abuss368
Sat Aug 11, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2373

Re: Which is better?

ACJC wrote:
Sat Aug 11, 2018 7:51 pm
VTI or VT for our boys UTMA accounts? We do not have 3000.00 for the mutual funds :(. Thank you 😊
Have you considered a 529 Plan as a possible option?
by abuss368
Sat Aug 11, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038591

Re: What Movie Have You Recently Watched?

Working on Blacklist - Season 2 on Netflix.
by abuss368
Sat Aug 11, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2373

Re: Which is better?

ACJC wrote:
Sat Aug 11, 2018 7:51 pm
VTI or VT for our boys UTMA accounts? We do not have 3000.00 for the mutual funds :(. Thank you 😊
Either would be fine. Consider an all in one Lifestyle or Target fund.
by abuss368
Sat Aug 11, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2373

Re: Which is better?

Is someone really a BH if they don’t know these two symbols by now? Should be a pre-requisite. I would suspect that many Bogleheads do not know ticker symbols. Many years ago when we traded individual stocks, I could easily recall well over a hundred (and more) ticker symbols. It was all worthless ...
by abuss368
Sat Aug 11, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2373

Re: Which is better?

John Laurens wrote:
Sat Aug 11, 2018 8:20 pm

In your “signature”, what does REIT stand for?

Regards,
John
Hi John -

REIT - Real Estate Investment Trust

www.reit.com if you would like to better understand real estate as an investment class.
by abuss368
Sat Aug 11, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple tIRA accounts-- any reason to not consolidate?
Replies: 17
Views: 1227

Re: Multiple tIRA accounts-- any reason to not consolidate?

I would consider consolidating all your IRAs. Advantages * One account statement * One investment firm's rules and process to learn * One website providing a consolidated view * May be lower cost * Future RMDs may be easier to calculate * One tax reporting statement * Rebalancing should be easier As...
by abuss368
Sat Aug 11, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7527

Re: [New Vanguard website layout starting Saturday, August 11]

I just logged on. I did not see the new "holdings" option.
by abuss368
Sat Aug 11, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7527

Re: [New Vanguard website layout starting Saturday, August 11]

The holdings page started to change a few months ago. However, after clicking under balances the old webpage appeared. It appeared to be the start of the change. In my opinion the font is too large and the website should be improved.
by abuss368
Sat Aug 11, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: New to the Vanguard approach and in mid 40's - how would you start?
Replies: 13
Views: 1196

Re: New to the Vanguard approach and in mid 40's - how would you start?

I would recommend educating yourself about investing with some of the excellent books that are recommended don this forum. Some of my favorites that I always recommend: * The Bogleheads Guide to Investing * The Bogleheads Guide to Retirement * The Bogleheads Guide to the Three Fund Portfolio * John ...
by abuss368
Sat Aug 11, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4731

Re: How often do you check your brokerage accounts

Our only other institution is the bank.
by abuss368
Sat Aug 11, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4731

Re: How often do you check your brokerage accounts

We have mutual fund accounts with Vanguard and thus no brokerage accounts. We are in the accumulation stage so every other week we are buying. Thus we buy whatever is underweight. This keeps the investment portfolio balanced.

I have never found any errors or mistakes with Vanguard.
by abuss368
Sat Aug 11, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2373

Re: Which is better?

What are the fund names for these ticker symbols?
by abuss368
Sat Aug 11, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 239
Views: 19666

Re: "Don't Obsess About Expense Ratios"

I am unsure why Fidelity just did not cut the expense ratio's to their existing index funds. Now anyone with capital gains may not be able to invest in the new offerings. Maybe it wasn't in their shareholders' interests. Sorry, I meant Fidelity's, not the fund's; it can be confusing with non-Vangua...