Search found 358 matches

by Morgthorak
Wed May 10, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: Johnny Depp:What happened to $650 million?
Replies: 2
Views: 1721

Johnny Depp:What happened to $650 million?

What happened to $650 million? An explosive legal battle between one of Hollywood's best-paid actors and the business managers he fired has laid bare tumultuous finances, outrageous spending and troubling behavior on Disney's new 'Pirates' movie in a case that could even change how the industry doe...
by Morgthorak
Tue Feb 07, 2012 1:28 pm
Forum: Investing - Theory, News & General
Topic: Why is it so darn hard to be a "Couch Potato" investor?
Replies: 45
Views: 4786

Re: Why is it so darn hard to be a "Couch Potato" investor?

Laziness is truly a virtue when it comes to investing. This is why I prefer balanced funds or funds like the TR ones. Set it and pretty much forget about it. Let the money do the work for you. I have never understood the slice and dice, zillion different fund mentality. Be lazy. It will help you ove...
by Morgthorak
Mon Feb 06, 2012 6:43 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks are not bonds.
Replies: 21
Views: 2634

Re: Dividend stocks are not bonds.

People seem to be desperate for yield. You know what they say about reaching for yield and losing money...

:shock: :evil:
by Morgthorak
Mon Feb 06, 2012 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard's simplified "core fund" lineup
Replies: 21
Views: 4071

Re: Vanguard's simplified "core fund" lineup

I hate to wade into the "active versus passive argument as it's old and tired. However, Wellesley and Wellington are both worth owning and holding for long periods of time as part of a portfolio. I have half my money split between both of them, with the other half split between two LifeStrategy...
by Morgthorak
Mon Feb 06, 2012 10:55 am
Forum: Investing - Theory, News & General
Topic: Gold IRA?!
Replies: 5
Views: 959

Re: Gold IRA?!

Is it me or has this “invest in gold” gotten out of hand? I heard this commercial about rolling over your 401(k) or IRA into a gold IRA. At first I thought this was some brand of IRA but no it is not. It is rolling over your entire portfolio to ultra safe gold! I looked it up an sure enough it exis...
by Morgthorak
Mon Feb 06, 2012 12:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard's simplified "core fund" lineup
Replies: 21
Views: 4071

Re: Vanguard's simplified "core fund" lineup

It appears that the powers that be at Vanguard have dumped the actively managed funds. I think this is a mistake, Wellesley and Wellington are certainly worth investing in and it seems strange to me to see them missing. I, of course, am probably part of a minority here in the forum. That's okay thou...
by Morgthorak
Sat Feb 04, 2012 11:18 am
Forum: Investing - Theory, News & General
Topic: Anybody had success w/ 50%stock..50%bond allocation....
Replies: 37
Views: 5201

Re: Anybody had success w/ 50%stock..50%bond allocation....

When folks are responding, does it include just the money allocated to Equities and Bond or does it include total portfolio (cash, metals, real estate) included? Cash and gold need to be part of a well balanced portfolio in addition to equities and bonds. I own some gold and silver, but I do not co...
by Morgthorak
Thu Feb 02, 2012 11:29 am
Forum: Investing - Theory, News & General
Topic: Anybody had success w/ 50%stock..50%bond allocation....
Replies: 37
Views: 5201

Re: Anybody had success w/ 50%stock..50%bond allocation....

I wish everyone success with this, it seems like a good idea depending on your age and desire to take risk.
by Morgthorak
Thu Feb 02, 2012 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Excellent Article 50/50 Porfolio
Replies: 11
Views: 2618

Re: Excellent Article 50/50 Porfolio

1210sda wrote:Maybe Vanguard will follow their research and offer a 50/50 LifeStrategy Fund.

1210


You can get this now by doing:

50% LifeStrategy Conservative Growth
50% LifeStrategy Moderate Growth
by Morgthorak
Thu Feb 02, 2012 11:12 am
Forum: Investing - Theory, News & General
Topic: Anybody had success w/ 50%stock..50%bond allocation....
Replies: 37
Views: 5201

Re: Anybody had success w/ 50%stock..50%bond allocation....

I am 50/50 and it works for me.

25% Wellesley
25% Wellington
25% LifeStrategy Conservative Growth
25% LifeStrategy Moderate Growth

This is the portfolio I am comfortable with so I am sticking with it.

:sharebeer
by Morgthorak
Wed Feb 01, 2012 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Ferri Advice on Retiree Investing
Replies: 71
Views: 9309

Re: Ferri Advice on Retiree Investing

The fed can do whatever it wants, I'm not changing my AA to take on more risk for a bit more yield. Frig that. I am also in the "conservative saver/investor" group since I have 50% stocks and 50% bonds, and I'm in my early 40s. I just keep funneling cash into my SEP IRA after maxing out my...
by Morgthorak
Wed Feb 01, 2012 11:14 am
Forum: Investing - Theory, News & General
Topic: POLL: How many funds do you hold?
Replies: 49
Views: 4343

Re: POLL: How many funds do you hold?

I hold four funds:

Wellesley
Wellington
LifeStrategy Conservative Growth
LifeStrategy Moderate Growth

This gives me a 50/50 stock/bond allocation, with a value tilt. :sharebeer
by Morgthorak
Sun Jan 29, 2012 11:04 am
Forum: Investing - Theory, News & General
Topic: Will you be investing in the Facebook IPO?
Replies: 67
Views: 8957

Re: Will you be investing in the Facebook IPO?

No, I wouldn't touch it with a ten foot pole. No way.
by Morgthorak
Sun Jan 29, 2012 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Low interest rates
Replies: 14
Views: 1798

Re: Low interest rates

Certainly a better choice by comparison, but an investor who is in money market and short term bond funds for a good reason would be making a significant shift in asset type to buy Wellesley. It is possible, of course, that the decision to be in "cash" was ill-considered, but we don't kno...
by Morgthorak
Sun Jan 29, 2012 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Low interest rates
Replies: 14
Views: 1798

Re: Low interest rates

If interest rates are not going to be raised for 2 years, is it advisable to move money out of money market funds and fixed income (short term) funds into say a dividend paying mutual fund or more growth orientated mutual fund? BTW, if you must move your money then consider Wellesley. It's 65% inte...
by Morgthorak
Sat Jan 28, 2012 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Frequent Investing
Replies: 10
Views: 975

Re: Automatic Frequent Investing

I'd dump it all in now then set up your Vanguard funds for weekly investing if you can. That's how I do it. I have a SEP IRA that I contribute to automatically each week.
by Morgthorak
Sat Jan 28, 2012 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Low interest rates
Replies: 14
Views: 1798

Re: Low interest rates

No, I would not take on extra interest rate risk. Just because the Fed says they intend to keep rates low doesn't mean they can in all circumstances. What will you do if you're on long term bonds and the Fed loses control of interest rates? You can get whacked hard. I have my asset allocation set an...
by Morgthorak
Sat Jan 28, 2012 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have a small pool of $ for trying to time the market?
Replies: 50
Views: 3206

Re: Do you have a small pool of $ for trying to time the mar

No, I do not. I make weekly contributions to my SEP IRA and I max my Roth out ASAP each year. I hate paying attention to the market, it's boring and I find it an irritating waste of energy and time.
by Morgthorak
Sat Jan 28, 2012 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Nervousness!
Replies: 8
Views: 951

Re: Allocation Nervousness!

Our savings are invested as approximately as follows 1- 30% in a reasonable mix of low cost SP500,Russell,REIT, and foreign index funds 2- 15% in individual TIPS 3- 55% in low cost US bond funds( mostly government and some corporate) with a duration of 3.5 years. 4-an overvalued West Coast house th...
by Morgthorak
Sat Jan 28, 2012 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Are my allocations way off?
Replies: 8
Views: 999

Re: Are my allocations way off?

Hello All Thanks for the replies. I edited my original post, I'm sure I will have to add additional information. I have enjoyed all replies, this is a great site, and its free. Thank you Mike I'll reiterate my earlier comment. A 50/50 split between Wellesley and Target Retirement Income should work...
by Morgthorak
Thu Jan 26, 2012 9:24 pm
Forum: Investing - Theory, News & General
Topic: PIMCO ETF a nail in the coffin of mutual funds?
Replies: 13
Views: 2082

Re: PIMCO ETF a nail in the coffin of mutual funds?

I toyed with ETFs but have no desire to use them now. I prefer my mutual funds. I can automatically invest weekly and not have to pay attention to it. Nor do I have any desire to do much rebalancing myself, which is why I use balanced mutual funds. ETFs have their place but I have no interest in usi...
by Morgthorak
Thu Jan 26, 2012 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your age in bonds?
Replies: 133
Views: 8932

Re: Do you hold your age in bonds?

I do not hold my age as I am in my early 40s. I prefer a 50/50 stock/bond allocation. So I am more conservative in that regard than others.
by Morgthorak
Thu Jan 26, 2012 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Portfolio advice for a lowly substitute teacher?
Replies: 5
Views: 814

Re: Roth IRA Portfolio advice for a lowly substitute teacher

I agree with YDNAL, this is too many funds. Try the LifeStrategy funds at Vanguard if you can do a transfer. Simplify as much as possible to make it easy on yourself to maintain your preferred asset allocation.
by Morgthorak
Thu Jan 26, 2012 10:10 am
Forum: Investing - Theory, News & General
Topic: Fed Says No Rate Hikes Until at Least Late 2014
Replies: 73
Views: 6897

Re: Fed Says No Rate Hikes Until at Least Late 2014

I think that means you can extend maturities in order to get yields that are higher than inflation. In other words, YTM more than 2-3% So my guess is that longer term bond funds look less risky now. Forget the short-term bond funds. They will return less than inflation. This presumes that the Fed c...
by Morgthorak
Tue Jan 24, 2012 12:15 pm
Forum: Investing - Theory, News & General
Topic: Results of gently following mainstream trends?
Replies: 25
Views: 1818

Re: Results of gently following mainstream trends?

I don't know how to formulate this cleanly, and frankly doing the research would be too much work... but it would be interesting to know the comparative results of a) blindly staying the course in something like a LifeStrategy fund or a Target Retirement fund or Balanced Index or a three-fund portf...
by Morgthorak
Tue Jan 24, 2012 12:11 pm
Forum: Investing - Theory, News & General
Topic: Why isn't everyone using a 3-Fund portfolio?
Replies: 89
Views: 10477

Re: Why isn't everyone using a 3-Fund portfolio?

I've been an active-fund investor for years but have finally seen the light of indexing. I've been doing lots of research on lazy portfolios and tilting to determine what's right for me. But, what I keep coming back to is if you're truly a Boglehead and believe that you can't beat the market, why w...
by Morgthorak
Sun Jan 22, 2012 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Are my allocations way off?
Replies: 8
Views: 999

Re: Are my allocations way off?

Hello all I was retired 1 year ago, 63. I receive a pension of $20K, SS of $20K, 2 houses with $500K equity. IRA of $475K, stock options and misc of $75K. I see no need to take any IRA money for 2 years. My $475k of IRA is in vanguard Wellesley $235K, Wellington $125K, and vanguard health care fund...
by Morgthorak
Sun Jan 22, 2012 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: When do you invest in your Roth?
Replies: 87
Views: 6757

Re: When do you invest in your Roth?

I have a monthly automatic purchase set up for the funds in my Roth. Since I'm new to this stuff here, is there really an advantage to trying to put a lump sum in early? I know one poster said it was to get their money working tax-free as early as possible, but I still wonder about the chances of p...
by Morgthorak
Sun Jan 22, 2012 10:36 am
Forum: Investing - Theory, News & General
Topic: How much do you tilt?
Replies: 79
Views: 6065

Re: How much do you tilt?

I tilt to the value side. My portfolio is as follows:

25% LifeStrategy Conservative Growth
25% LifeStrategy Moderate Growth
25% Wellesley
25% Wellington

This gives me about a 50/50 split between stocks and bonds across all funds, and it splits my portfolio into active/value and index funds.

:sharebeer
by Morgthorak
Sun Jan 22, 2012 10:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard - What we believe: Risk
Replies: 21
Views: 2154

Re: Vanguard - What we believe: Risk

Perhaps more important than the numbers is the implicit assumption that the retiree with the 100% stock portfolio doesn't cut and run when the market goes south. Remember all the conversations here about "Plan B" a couple of years ago. Not many folks can stomach 50% declines in their reti...
by Morgthorak
Sun Jan 22, 2012 10:30 am
Forum: Investing - Theory, News & General
Topic: Risk: 3-Fund vs. Slice/Dice?
Replies: 30
Views: 2690

Re: Risk: 3-Fund vs. Slice/Dice?

You have not accounted for the laziness factor. I am a lazy investor. I cannot be bothered with slice and dice. It is too much work for me. Thus I prefer the LifeStrategy funds, along with Wellington and Wellesley. These balanced funds make life easier and I do not need to pay too much attention to ...
by Morgthorak
Sun Jan 22, 2012 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Need help with AA choice - 70/30 or 60/40??
Replies: 46
Views: 6280

Re: Need help with AA choice - 70/30 or 60/40??

Please consider: I am really torn between an AA of 60/40 or a 70/30 - Equity/Fixed Income I have all of my investment assets with Vanguard and use all of their funds and aim for their 3 target funds of Total Stock, Total Bond, and Total International for simplicity sake. Once my AA is in line, I'd ...
by Morgthorak
Sat Jan 21, 2012 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: 28 y/o new investor, pregnant, and husband wants 25% silver
Replies: 31
Views: 3434

Re: 28 y/o new investor, pregnant, and husband wants 25% sil

A large investment in precious metals is not a mainstream, middle-of-the-road, ordinary, prudent investment. It's an investment that tends to be made by people who have a somewhat heterodox view of the economic future and are willing to put their money behind their personal macroeconomic forecasts....
by Morgthorak
Sat Jan 21, 2012 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 28 y/o new investor, pregnant, and husband wants 25% silver
Replies: 31
Views: 3434

Re: 28 y/o new investor, pregnant, and husband wants 25% sil

I see way too many funds, I'll get to the silver in a moment. Instead of having all those different funds, why don't you look at the LifeStrategy funds instead? I use two of them for half my portfolio (LifeStrategy Conservate Growth and Moderate Growth) and it's much better than having to fart aroun...
by Morgthorak
Sat Jan 21, 2012 1:43 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman's new newsletter
Replies: 18
Views: 2432

Re: Suze Orman's new newsletter

Who cares what that woman thinks about investments? Or the other guy? Good grief, when are people going to learn that these people are charlatans out to make money off selling their snake oil? :roll:
by Morgthorak
Fri Jan 20, 2012 8:30 am
Forum: Investing - Help with Personal Investments
Topic: When do you invest in your Roth?
Replies: 87
Views: 6757

Re: When do you invest in your Roth?

I just got a nice check for around $5000. So I maxed it out already for the year. I like to do it as soon as possible. Then it's off my to-do list for the year and I can forget about it.
by Morgthorak
Thu Jan 19, 2012 10:22 am
Forum: Investing - Theory, News & General
Topic: The Wellington
Replies: 13
Views: 2763

Re: The Wellington

alanf56 wrote:
Ahh ok... Interesting mix. Would there be a lot of overlap with these?


Lazyfabs covered some of it. The gist of it for me is having about a 50/50 stock and bond allocation in both sides of the portfolio (active and index). So that's why I have it set up this way.
by Morgthorak
Wed Jan 18, 2012 11:03 pm
Forum: Investing - Theory, News & General
Topic: The Wellington
Replies: 13
Views: 2763

Re: The Wellington

I do something similar though I prefer a 50/50 split between stocks and bonds. So I have Wellesley and the LifeStrategy Conservative Growth fund too, with about 25% of my portfolio in each fund. So if you have 50% in these two funds where do you put the other 50%??? Sorry, I wasn't clear. 25% Welle...
by Morgthorak
Wed Jan 18, 2012 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Balanced Index Admiral or Wellington
Replies: 27
Views: 3050

Re: Balanced Index Admiral or Wellington

If You had to choose between Balanced Index Admiral or Wellington which fund would be your choice,thoughts My portfolio consists of the following: 25% LifeStrategy Conservative Growth 25% LifeStrategy Moderate Growth 25% Wellelsely 25% Wellington So you can own indexes and active funds. Balanced In...
by Morgthorak
Tue Jan 17, 2012 4:11 pm
Forum: Investing - Theory, News & General
Topic: Life-Cycle Funds: Life-Strategy or Target ?
Replies: 16
Views: 2451

Re: Life-Cycle Funds: Life-Strategy or Target ?

I am currently in the target 2030 fund and just got over the 3k mark in my roth IRA. Would it be a problem to switch from that to the life strategy fund with the same AA and .01% less expense ratio? My question is will it cost or change anything if I simply transfer it all to the strategy and conti...
by Morgthorak
Tue Jan 17, 2012 4:10 pm
Forum: Investing - Theory, News & General
Topic: The Wellington
Replies: 13
Views: 2763

Re: The Wellington

If you want you could always do 50% in Wellington and 50% in LifeStrategy Moderate Growth fund (Total Stock, Total Bond and Total International in one fund). Each of them has about 60% in stocks and 40% in bonds (give or take a bit). So you would have half your money in the actively managed fund and...
by Morgthorak
Tue Jan 17, 2012 11:02 am
Forum: Investing - Theory, News & General
Topic: Ultimate beginner question re investing/speculating
Replies: 20
Views: 1538

Re: Ultimate beginner question re investing/speculating

Say you have 30k to invest. Now looking at the price of silver or oil for example, as it is always going up and down, why couldn't you simply invest in oil and hold on to it until it goes up, then sell it. I am assuming that you don't need the money and am prepared to put it aside and wait for howe...
by Morgthorak
Tue Jan 17, 2012 10:17 am
Forum: Investing - Theory, News & General
Topic: Life-Cycle Funds: Life-Strategy or Target ?
Replies: 16
Views: 2451

Re: Life-Cycle Funds: Life-Strategy or Target ?

Life Strategy looks reasonable except for the Income fund. Target Income has 30% stocks while the Life Strategy Income has only 20%. If the retiree wishes only one fund for simplicity, Target Income's 30% may be suitable for all ages, but the Life Strategy Income's 20% stock is likely not to be for...
by Morgthorak
Mon Jan 16, 2012 9:50 pm
Forum: Investing - Theory, News & General
Topic: Life-Cycle Funds: Life-Strategy or Target ?
Replies: 16
Views: 2451

Re: Life-Cycle Funds: Life-Strategy or Target ?

For accumulators, I vote for the LifeStrategy funds. It's much easier to keep a set asset allocation that matches a person's age rather than the insane bond/stock allocation found in the Target Retirement funds. And it does no good to pick a Target Retirement fund that matches your stock/bond alloca...
by Morgthorak
Mon Jan 16, 2012 12:23 pm
Forum: Investing - Theory, News & General
Topic: From WSJ - Target Funds Miss Their Marks -- Again
Replies: 45
Views: 4253

Re: From WSJ - Target Funds Miss Their Marks -- Again

I am in agreement with those who mentioned the revamped LifeStrategy funds. They seem to be a much more coherent offering than the Target Funds. I considered the Target Funds but I do not wish to have to switch between funds to maintain an AA. For those who don't know, here's a list of the LifeStrat...
by Morgthorak
Fri Jan 06, 2012 8:42 pm
Forum: Investing - Theory, News & General
Topic: The Easiest 50/50 Active/Index Portfolio Ever Created!
Replies: 18
Views: 2033

Re: The Easiest 50/50 Active/Index Portfolio Ever Created!

DSInvestor wrote:You could simplify your 4 fund portfolio to a 2 fund portfolio.

Option 1:
50% Wellesley Income (40/60) and 50% Lifestrategy Moderate Growth (60/40)

Option 2:
50% Wellington (60/40) and 50% Lifestrategy Conservative Growth (40/60)


That works very well too, I like it. :sharebeer
by Morgthorak
Fri Jan 06, 2012 5:51 pm
Forum: Investing - Theory, News & General
Topic: The Easiest 50/50 Active/Index Portfolio Ever Created!
Replies: 18
Views: 2033

Re: The Easiest 50/50 Active/Index Portfolio Ever Created!

Wouldn't you still need to rebalance to maintain the 50/50 split that you desire? You have 25% in each fund. After a period of stocks outperforming bonds, Wellington and LS Mod Growth would become larger resulting in a larger overall equity position. Whenever bonds outperform you would end up with ...
by Morgthorak
Fri Jan 06, 2012 4:55 pm
Forum: Investing - Theory, News & General
Topic: The Easiest 50/50 Active/Index Portfolio Ever Created!
Replies: 18
Views: 2033

Re: The Easiest 50/50 Active/Index Portfolio Ever Created!

A better way would be this: tax shelter: Wellington Wellesley Total Bond market REIT taxable: total stock index total int'l stock index Interesting point, but the idea here was to not have to rebalance ever. Or at least until you decide you want to leave the 50/50 ratio. Your idea works well for th...
by Morgthorak
Fri Jan 06, 2012 4:53 pm
Forum: Investing - Theory, News & General
Topic: The Easiest 50/50 Active/Index Portfolio Ever Created!
Replies: 18
Views: 2033

Re: The Easiest 50/50 Active/Index Portfolio Ever Created!

When I first came to this forum I had the idea, too, to combine passive and (those same two!) active funds ... not doing it (i.e. going all-passive) was probably the best decision I could have made (or rather: it was the best advice I got and followed). What I finally realized was that I was just l...