Search found 238 matches

by dh
Wed Jan 10, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sequence of Return Risk impact on Retirement
Replies: 103
Views: 4287

Re: Sequence of Return Risk impact on Retirement

This is a great thread on sequence of return risk. Market timing is a taboo topic; yet, "what happens next" (either when we start saving or when we retire) can make a significant difference. The following youtube clip from a Stanford Online class is illustrative. One can be fortunate, or not so fort...
by dh
Wed Jan 10, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Buy I and EE bonds now, or wait
Replies: 7
Views: 453

Re: Buy I and EE bonds now, or wait

Hayden wrote:
Wed Jan 10, 2018 1:53 pm
I buy I and EE bonds each year. Plan to hold them to maturity. Should I purchase now, or wait until later in the year when rates may be higher?
Hi, Hayden. The key to your question is the phrase "when rates may be higher"
No one knows if the fixed rate will rise or go back to 0%.
by dh
Tue Jan 09, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 19008

Re: Anyone disenchanted with retirement?

I've a friend who's 84 still working for state.gov.,because he likes it. Interesting -- the people who work into their 70s and 80s like it. Those who retire like it. To me, it sounds like people are making really great decisions based on their own preferences. Nothing better than that! :sharebeer
by dh
Sun Jan 07, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: 2017 Callan Periodic Table of Investment Returns
Replies: 34
Views: 4100

Re: 2017 Callan Periodic Table of Investment Returns

montanagirl wrote:
Sat Jan 06, 2018 10:19 pm
I stare at it and stare at it, wishing I could figure out the pattern...you'd think some genius would come up with an algorithm. :greedy
... and then write a book, start a blog, maybe teach a class... :sharebeer

I agree with Taylor's post above! 100%.
by dh
Mon Dec 25, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Inflation can cream bonds VBTLX vs VSCSX
Replies: 42
Views: 3493

Re: Inflation can cream bonds VBTLX vs VSCSX

I am not as worries about inflation as the original poster. Yet, I do hold VAIPX in my Roth. I think Nisiprius is spot on. If you want to hold bonds but you are concerned about inflation, surely the obvious suggestion is a TIPS fund, like Vanguard's VIPSX (VAIPX for Admiral shares). Do you have a re...
by dh
Fri Dec 15, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 124
Views: 31256

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

tj: Under the Portfolio tab you can see the country breakdown (near the bottom of the page). Listed as Country diversification (% of fund) as of 11/30/2017 Yes but you cannoot see the individual stock and bond holdings. Not yet. That info will most likely be available in January. Hang in there tj O...
by dh
Fri Dec 15, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 124
Views: 31256

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

tj: Under the Portfolio tab you can see the country breakdown (near the bottom of the page).
Listed as Country diversification (% of fund) as of 11/30/2017
by dh
Fri Dec 15, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 124
Views: 31256

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

I see that the initial portfolios for Global Wellesley and Global Wellington are now available. In just looking at the equity breakdown: Global Wellington's US equity holdings are just over 50%, and Global Wellesley US equity holdings are just under 50%. Wellesley includes emerging markets, whereas ...
by dh
Tue Dec 12, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save cash over 5 years.
Replies: 35
Views: 3271

Re: Where to save cash over 5 years.

My vote for "cash" savings for five years would be to put $6,000 ($500 per month) in I-Bonds each year. :sharebeer
by dh
Mon Dec 04, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2348

Re: Family Finance Meeting Agenda

I am the OP. Thank you so much for the thoughtful replies. I appreciate each of you sharing your thoughts!
by dh
Mon Dec 04, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2348

Family Finance Meeting Agenda

When I think about the things that I have handled well in my finances, and areas that I need to improve one particular idea comes to the fore. Specifically, family finance meetings. For any of you that sit down regularly with your partner, I have a few questions: 1) How often do you sit down to talk...
by dh
Fri Nov 24, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9162

Re: Why does everyone keep increasing their international stock %?

Da5id wrote:
Fri Nov 24, 2017 10:51 am
buy the haystack (which I think includes Int'l).
:thumbsup
by dh
Fri Nov 24, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9162

Re: Why does everyone keep increasing their international stock %?

Someone has already posted that the increase in international is probably performance chasing . A year ago, when US stocks were outperforming International, individuals were saying 100% US (and no international). While not the reverse (100% international, 0% US), it seems that performance chasing i...
by dh
Fri Nov 24, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9162

Re: Why does everyone keep increasing their international stock %?

Someone has already posted that the increase in international is probably performance chasing . A year ago, when US stocks were outperforming International, individuals were saying 100% US (and no international). While not the reverse (100% international, 0% US), it seems that performance chasing is...
by dh
Tue Nov 21, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Are you your own worse enemy when it comes to investing?
Replies: 34
Views: 2572

Re: Are you your own worse enemy when it comes to investing?

"Are you your own worse enemy when it comes to investing?" My initial response is -- I hope not, I wrote my IPS! Gasp. However, I think many responses really address the errors we make as irrational people, not rational econs. Richard Thayler's book "Misbehaving" has been helpful to me in catching m...
by dh
Fri Nov 17, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Yet another TIPS thread
Replies: 3
Views: 615

Yet another TIPS thread

I just wanted to share a recent publication by TIPSWatch. For the first time in 10 auctions, the 10 Year TIPS real yield exceeded 0.5%. I know in the past others have compared this yield in buying decisions, yet I do not recall the "rules." Can anyone assist with decision making about future bond (n...
by dh
Wed Nov 08, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2838

Re: Investment Books & Your Library

I am not an expert on library operations; however, I am friends with my library's director. She has shared that they typically do not catalog books that were donated. Rather donations and books they have "weeded," end up in a library book sell to fund things for children's programs at the library. A...
by dh
Wed Oct 18, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5386

Re: The overselling of international diversification

Vanguard has a video on "home bias" (buying what you know), that may further our discussion:
https://investornews.vanguard/be-aware- ... investing/
by dh
Fri Oct 13, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 6171

Re: IBonds - now or wait?

The September CPI-U was released this morning. https://www.bls.gov/schedule/news_release/cpi.htm Can any of the resident experts calculate what it means for the inflation -based component of I Bonds to be issued during the six months beginning November 1? Thanks. March: 243.801 September: 246.819 (...
by dh
Thu Oct 12, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 124
Views: 31256

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Does anyone know an easy way I can track when these will be launched? I asked Vanguard on their facebook page when the launch is, and the response was "mid-october". I asked if there was any way to invest prior to launch, and the answer was no. So, so far the only way I know how to track this is to...
by dh
Wed Oct 11, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2106

Re: I Bond fixed rate mystery

If there was any science to it, tipswatch.com would have covered it. https://tipswatch.com/tracking-inflation-and-i-bonds/ There does not appear to be. Previously I used to buy in May and November. Now, if the interest rate is positive in May I buy everything then. If zero, then I wait till Novembe...
by dh
Wed Oct 11, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2106

I Bond fixed rate mystery

We are approaching that magical time of the year (Nov. 1) when the fixed rate for new I Bonds will be set. I have learned a great deal about I Bonds from many contributing members of this board (Mel, Victoria, Grok, ...). Thank you all! My only regret is I didn't buy more when the maximum was 36K (I...
by dh
Wed Oct 11, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Cash on the sidelines impact ?
Replies: 14
Views: 1707

Re: Cash on the sidelines impact ?

"Cash on the sidelines" seems like another theory to predict the movement of markets (right up there with whether the AFC or NFC wins the super bowl). There will most likely be even more "cash on the sidelines" ten years from now. Does that mean the markets moved up, down, or sideways? Your guess is...
by dh
Sat Oct 07, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 12276

Re: VG wants everyone to transfer to a brokerage account?

I didn't accept the invitation to convert because the "new" brokerage account won't automatically invest the dividends and capital gains from one fund into another fund. I would have to direct them to the cash settlement fund, and then manually move them from the cash fund into the other fun, which...
by dh
Sat Aug 19, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3F Portfolio Beginner with Low Income
Replies: 7
Views: 1678

Re: The Three-Fund Portfolio [Portfolio help]

It's my first job fresh out of college, so I don't make much. I make 37.5k so I fall in the 15% bracket. I contribute 15% trad./15% Roth into Vanguard 2055 Target Retirement fund. $0 Debt. $0 rent. As you can see I am financially unburdened, and free to invest. However the biggest problem is I don'...
by dh
Sat Aug 19, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8881

Re: IBonds: My worst bond investment over the last 5 years

I never thought to compare my I-Bonds to equity funds, bond funds, ETF's etc. I-Bonds are an "insurance policy" against unexpected inflation (that is their purpose and why I have bought them for a long time). No one knows what the future holds, so trying to "guess" and pile into the one asset class ...
by dh
Thu Aug 17, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 60
Views: 10118

Re: Fidelity 2% CC or Citi double cash card?

Got it! I will have cash rewards directed to my checking account, rather than use them to pay off card balances. Thanks all!
by dh
Thu Aug 17, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 60
Views: 10118

Re: Fidelity 2% CC or Citi double cash card?

Like the Fido 2% right into my account better than the 1% now, 1% off the payment. If you redeem the Citi card by applying rewards to your balance, you don't get the full 2%. 1.99% vs. 2.00%. That's an extra $100 for every $1,000,000 you put on the card. Definitely a drawback... :) I just applied f...
by dh
Wed Aug 16, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 20257

Re: Social Security for Millennials

I think Bogleheads is the wrong place to ask this question. Millennials on Bogleheads will tend to be good planners/savers and will have enough to live off by retirement, making any SS "gravy". However, I imagine a vast majority of millennials will be depending on SS as a primary source of income i...
by dh
Thu Aug 10, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4244
Views: 1146453

Re: U.S. stocks in freefall

Actually, if you want to know why the markets are down so much today, it is because I put a lot of money in yesterday. :annoyed Oh, you're the one! Grrrr! :annoyed :D Please keep this thread going. It's my favorite. I am having surgery tomorrow at noon, feeling stressed, yet just reading this threa...
by dh
Wed Aug 09, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1613

Re: Need help understanding TIPS funds

House Blend wrote:
Remember that delaying SS benefits until age 70 is a cheap way to purchase more inflation protection.
Excellent point. Thank you House Blend!
by dh
Wed Aug 09, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1613

Re: Need help understanding TIPS funds

If not the TIPS fund, what are solid strategies that people use to protect from future inflation? As far as safe investments go, TIPS and I-bonds are about the best you can do to guard against inflation. If you hold a decent percentage in stocks, then you could consider allocation greater percentag...
by dh
Wed Aug 09, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1613

Re: Need help understanding TIPS funds

^ IMO it's not a good idea to think that because you have (say) 10% allocated to a TIPS fund, you now are protected from inflation. What you have instead is a portfolio slice that will react to market conditions (especially unexpected inflation) in ways different from the way your other bonds react...
by dh
Tue Aug 08, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1613

Re: Need help understanding TIPS funds

It's not an index fund. On the other hand, there's only so much active management one can do when you are (mostly) trading in only one type of US Gov. Security. For example, In light of these market crosscurrents, and based on our expectation of a rise in inflation and interest rates, we continue t...
by dh
Tue Aug 08, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1613

Need help understanding TIPS funds

Greetings Bogleheads, I own I-Bonds fully appreciating their simplicity and from what I have read that many Bogleheads prefer owning individual TIPS in tax deferred and tax free locations. However, my question is about purchasing the Vanguard TIPS mutual fund (VIPSX-Investor Shares; VAIPX-Admiral Sh...
by dh
Mon Jul 31, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Someone else applied for a friend's social security
Replies: 9
Views: 1541

Someone else applied for a friend's social security

Greetings Bogleheads, I just heard from a friend who is 64, still working, and received a letter in the mail stating that her application to begin receiving social security checks is being processed. Not believing it was real, she looked at her statement online and it confirmed that it was in proces...
by dh
Sun Jul 23, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: Best way to convert to a brokerage account
Replies: 4
Views: 551

Re: Best way to convert to a brokerage account

DMW, I do not believe it is inevitable either. I was given a choice to convert and it was easy to do online. Everything went through fine. A settlement fund (Fed. Money Market) is added to your account, and the layout is a bit cleaner. I think many convert so they can use the brokerage account to bu...
by dh
Tue Jul 04, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Education, encouragement, handholding on brokerage account
Replies: 6
Views: 566

Re: Education, encouragement, handholding on brokerage account

if you have a Vanguard account, what is the advantage of moving to ETFs versus staying with mutual funds? I don't know if this is what OP is looking at, but we have VFSVX (Vanguard FTSE All-World ex-US Small Cap Index Fund), which is still Investor class only at 0.27% ER, as opposed to its ETF twin...
by dh
Tue Jul 04, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Education, encouragement, handholding on brokerage account
Replies: 6
Views: 566

Re: Education, encouragement, handholding on brokerage account

Thank you very much! Yes, the settlement fund resides within the IRA - that is the key. No tax consequences. Paul: Yes, I only currently have Vanguard funds. I am exploring, and trying to understand, the new brokerage account format. All the fund balances are the same as transferred, the option to r...
by dh
Tue Jul 04, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Education, encouragement, handholding on brokerage account
Replies: 6
Views: 566

Education, encouragement, handholding on brokerage account

Happy 4th of July fellow Bogleheads. I did the "upgrade" to the brokerage account. My funds converted into the new account. I just have one question. To "exchange" my funds to lower cost ETFs, I must SELL my funds and choose the "settlement fund" as the destination. Is this correct? I think I need a...
by dh
Thu Jun 29, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 126
Views: 23903

Re: Vanguard has switched to brokerage only accounts

I realize the OP started this thread two months ago, yet today was the first day that I received an invitation to change to a brokerage account. Here is the central portion of the email: We invite you to transition your Vanguard mutual fund account to the Vanguard Brokerage Account—a simple, more fl...
by dh
Mon Jun 26, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Best way to look for a "long-term" rental
Replies: 6
Views: 853

Best way to look for a "long-term" rental

Greetings Bogleheads,

Can anyone share the best strategy for finding an apartment/condo/home rental to rent for an extended stay (to live for 3-4 months)? I can find hotels online, yet I do not have a website for searching individuals who rent space. Thank you!
by dh
Thu Jun 22, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2567

Re: Used cars in high demand

I didn't receive a notice that my car was in high demand, yet I did go to my local dealership when they made an offer for me to come in and get a "good deal" on my car to purchase a new one. So, I went in on a Saturday. They offered me 12K for my 2013 Subaru Legacy (with 50K miles) to purchase a 201...
by dh
Mon Jun 19, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Placement of TIAA Traditional and S&P 500
Replies: 7
Views: 751

Re: Placement of TIAA Traditional and S&P 500

anonenigma wrote:I love the security of the Traditional and could lower fees by investing taxable at Vanguard.
Agree :sharebeer
by dh
Sun Jun 18, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: Ben Graham and asset allocation
Replies: 1
Views: 545

Re: Ben Graham and asset allocation

From his oft quoted statement: a person should never have greater than 75% of their portfolio in stocks (even when stocks are undervalued), nor fewer than 25% of their portfolio in stocks (even when stocks are overvalued). So, he would be fine with Jack's 60/40, ... not so much with Warren's 90/10.
by dh
Sat Jun 03, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: $250 to open a new checking account
Replies: 7
Views: 1174

Re: $250 to open a new checking account

We bank with Huntington. Opened our accounts several years ago for a $200 bonus. They have "Asterisk-Free Checking is free to open, free to maintain, free from balance minimums, and free from monthly maintenance fees". No interest obviously. If you are worried about any 'catches' just ask the bank ...
by dh
Sat Jun 03, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: $250 to open a new checking account
Replies: 7
Views: 1174

Re: $250 to open a new checking account

No catch, apparently. See the Doctor of Credit post here: http://www.doctorofcredit.com/oh-mi-pa-ky-wv-huntington-bank-200-checking-promotion-no-direct-deposit-requirement/ He mentions $200 bonus; I assume you got a $250 offer in the mail, or something - as someone discusses in the comments. There ...
by dh
Sat Jun 03, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: $250 to open a new checking account
Replies: 7
Views: 1174

$250 to open a new checking account

Dear Bogleheads, I am trying to find the catch in the offer I received today. Here are the particulars. The Bank: Huntington Bank The offer: $250 for opening a checking account (new customers only) Features: No monthly fee and no minimum balance requirements What I have to do: -Open the account by J...
by dh
Sat May 27, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 6910

Re: Sell 2015 Subaru or Keep?

What exact model do you have? Limited? 4 or 6 cylinder? Did you actually pay $36k, or was that the MSRP? How many miles does your car have on it? Have you looked for similar vehicles near you on cars.com and autotrader.com? I have the Limited model w/ eyesight, nav, everything and it is a 4 cylinde...