Search found 22536 matches

by Taylor Larimore
Thu Oct 19, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 22
Views: 1864

Re: For those near retirement and rebalanced to Bonds...

Couldn't you get back 100% into Stocks and put in something like an Order to sell if it hits a certain price? TheQuestionGuy: Buying high and selling low is not a good strategy. Market-timing is also a losing strategy. Bogleheads understand that it is much better to decide on a long term asset-allo...
by Taylor Larimore
Thu Oct 19, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: "Investment Lessons From The 21st Century"
Replies: 16
Views: 1882

Re: "Investment Lessons From The 21st Century"

Bogleheads:

This is one of my favorite graphs. It shows the importance of stocks and stay-the-course.

Best wishes
Taylor
by Taylor Larimore
Thu Oct 19, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 13
Views: 1398

Re: Revised Version The Little Book of Common Sense...

Bogleheads:

Amazon intends to ship Jack's book to me on the 25th.

I can hardly wait. We loved his first edition. I intend to extract valuable quotes and add them to my

Investment Gems.

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 19, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 13
Views: 1398

Re: Revised Version The Little Book of Common Sense...

Bogleheads:

Amazon intends to ship Jack's book to me on the 25th.

I can hardly wait. We loved his first edition. I intend to extract valuable quotes and add them to my INVESTMENT GEMS.

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 19, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance
Replies: 36
Views: 1481

Re: Whole Life Insurance

boglebogle80 wrote:
Thu Oct 19, 2017 2:52 pm
pintail07 wrote:
Thu Oct 19, 2017 2:04 pm
What is the current cash value?
652
Boglebogle80:

What is the current surrender value?

Thank you and best wishes.
Taylor
by Taylor Larimore
Thu Oct 19, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Advice [changing advisors]
Replies: 18
Views: 1049

Re: Need Some Advice [changing advisors]

Hi all, Sorry if I didn't give enough information regarding my investments but I was trying not to get into too much detail other than what I thought was my overall picture. As I mentioned, I am retired, prefer low to moderate risk with some growth and would prefer to have someone look after my inv...
by Taylor Larimore
Wed Oct 18, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: "Investment Lessons From The 21st Century"
Replies: 16
Views: 1882

"Investment Lessons From The 21st Century"

Bogleheads:

What was the best performing fund in The Three-Fund Portfolio during the first 16 years of this century?

Boglehead Allan Roth gives us the surprising answer:

Investment Lessons From the 21st Century

Best wishes.
Taylor
by Taylor Larimore
Wed Oct 18, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Advice [changing advisors]
Replies: 18
Views: 1049

Re: Need Some Advice [changing advisors]

Yudi2: We have had many discussions about Edward Jones. Most are very unfavorable-- more-so than any other brokerage. Use our "Search Box" to understand why Bogleheads have a very low opinion of Edward Jones. The new "Fudiciary Standard" has hit them hard but they are wiggling around it. There is no...
by Taylor Larimore
Wed Oct 18, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4634

"How Much International Stock? A Suggestion"

Bogleheads:

I wrote a post on the subject:

How Much International Stock? A Suggestion.

Best wishes.
Taylor
by Taylor Larimore
Wed Oct 18, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plans : Vanguard vs Merril Edge
Replies: 9
Views: 676

Re: 529 plans : Vanguard vs Merril Edge

my son is 7, my daughter 5 - planning to open 529 college fund for both. anyone please with experience - not sure to invest using vanguard or Merril Edge in put appreciated. slap me if I asked stupid me question .... No question on the Bogleheads Forum is "stupid." This Morningstar ranking of 529 p...
by Taylor Larimore
Wed Oct 18, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: "Using Jack Bogle's own words against him when it comes to international investing"
Replies: 28
Views: 3138

"Using Jack Bogle's own words against him when it comes to international investing"

Bogleheads:

CNBC has written an article about Mr. Bogle's thoughts during a private meeting at a Morningstar Investment Conference. This is the link:

Using Jack Bogle's own words against him when it comes to international investing

Best wishes.
Taylor
by Taylor Larimore
Wed Oct 18, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance OR just use a new money?
Replies: 8
Views: 523

Re: Should I rebalance OR just use a new money?

Your plan is good. For the sake of discussion I'll say I wouldn't do it this way. I have everything automatically set up to add to my portfolio at my desired AA. About once a year I tally accounts up and rebalance if needed. I don't want to think about it more often than that. Just my own different...
by Taylor Larimore
Wed Oct 18, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: "Advice-Only In Action: An Interview With Allan Roth"
Replies: 6
Views: 925

Re: "Advice-Only In Action: An Interview With Allan Roth"

Although I have not needed professional help, I can see a time when I may. I've always liked the idea of fee for service. Reading the comment below, I'm wondering how you know up front how much it will cost. How do you know up front how many hours the review will take, or do you just assume the 12 ...
by Taylor Larimore
Wed Oct 18, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance OR just use a new money?
Replies: 8
Views: 523

Re: Should I rebalance OR just use a new money?

Hello, I have 3 fund lazy portfolio. My assets allocation is 70/30. I am 41y old. Been doing some reading about the need to keep portfolio balanced. I guess the point is to keep it on target assets allocation. And that would make me sleep at night better. What I have been doing every month, I would...
by Taylor Larimore
Wed Oct 18, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: "Advice-Only In Action: An Interview With Allan Roth"
Replies: 6
Views: 925

Re: "Advice-Only In Action: An Interview With Allan Roth"

tfb:

Thank you for the correction. I have edited my post.

Best wishes.
Taylor
by Taylor Larimore
Wed Oct 18, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 12
Views: 932

Re: High fee funds

I have some high fee funds that are doing well. Should I keep them or sell them and put them in a low fee index fund like Vanguard Total Stock index? :confused I'm 61 years old. Billo43: Welcome to the Bogleheads Forum! There is a lead article on today's Morningstar homepage about "high fee" funds....
by Taylor Larimore
Wed Oct 18, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2135

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

Thanks guys for not ripping me too hard. Yes I am trying to decide whether to lump sum or DCA a decent amount of $$ before 4 pm EST today. I realize that this is a completely ridiculous question. Go easy! fantasytensai: Your question is not "ridiculous." It is one of our most common questions. Here...
by Taylor Larimore
Wed Oct 18, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 3476

Re: anhybody buying bitcoin

looking wrote:
Wed Oct 18, 2017 9:00 am
anybody buying bitcoin I'm buying with a small amount
when I hear one guy just made 6 million with the investment of $ 50 k ( true story ????)
so what do you take on this
lookingpost:

If true, "one guy" with a winning number in PowerBall is similar.

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 17, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: "Advice-Only In Action: An Interview With Allan Roth"
Replies: 6
Views: 925

"Advice-Only In Action: An Interview With Allan Roth"

Bogleheads: Many of us need help with our investments. Unfortunately, most advisors charge a conflict -of-interest commission or a yearly fee for assets under management (AUM) which can also result in a conflict-of-interest. One example: AUM advisors benefit by recommending a mortgage which gives th...
by Taylor Larimore
Tue Oct 17, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 39
Views: 1475

Re: Help picking apart whole life insurance cash value

Bogleheads: Many insurance policyholders believe that "Cash Value" and "Surrender Value" (which is what counts) are the same. Not so. From Investopedia: Suppose you purchase a whole life insurance policy with a death benefit of $200,000. After 10 years of making consistent, on-time payments, there i...
by Taylor Larimore
Tue Oct 17, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1856
Views: 1126402

Re: The Three-Fund Portfolio

Bogleheads:

Barry Barnitz has published updated figures for The Three-Fund Portfolio HERE.

Thank you, Barry!

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 17, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 39
Views: 1475

Re: Help picking apart whole life insurance cash value

overthought: Welcome to the Bogleheads Forum! If you will provide the name of the company and figures for the whole-life premiums and guaranteed surrender value in 10 years, plus the premium for a 10-year term policy with the same death benefit, I think Bogleheads can easily show you that term life ...
by Taylor Larimore
Tue Oct 17, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Invest or pay off student loan
Replies: 2
Views: 277

Re: Invest or pay off student loan

smellycarabelli:

Welcome to the Bogleheads Forum!

In my opinion, you would be wiser to pay-off your $135K debt if you have the money. You will earn (in comparison to refinancing) 5.5% guaranteed return plus the bother and cost of refinancing.

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 17, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 12
Views: 1055

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

The more I read about the topic the more confusing it is. Should bonds/bond index funds be held in taxable or tax-deferred accounts. collin: To answer your question, the best (and most readable) study I have seen was by Professor William Reichenstein who came to this conclusion: FOR PASSIVE INVESTO...
by Taylor Larimore
Mon Oct 16, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 13
Views: 1398

Re: Revised Version The Little Book of Common Sense...

According to an email just received from Amazon the release of the revised version of The Little Book of Common Sense Investing..... is delayed another month. Bogleheads: Some things are worth waiting for, and I have absolutely no doubt that Mr. Bogle's updated "Little Book of Common Sense Investin...
by Taylor Larimore
Mon Oct 16, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 17
Views: 1204

Re: How to learn about financial statement analysis?

I am becoming interested in financial statements - it's actually quite fun when you begin to see how things fit together within a statement or across different statements. I remember when I was at university people thought that accountancy is really boring, but it doesn't seem to be that way to me ...
by Taylor Larimore
Mon Oct 16, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 12
Views: 1055

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

The more I read about the topic the more confusing it is. Should bonds/bond index funds be held in taxable or tax-deferred accounts. collin: Welcome to the Bogleheads Forum! The general rule is that taxable bonds and taxable bond index funds should be held in tax-deferred accounts. However, there a...
by Taylor Larimore
Mon Oct 16, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 9
Views: 485

Re: VITAX ( vanguard tech fund )

given we are living in a new technology time I assume investing in VITAX makes sense but I may be wrong. am sure there are people out there with experience regarding this fund. please share ... etguy: Follow Mr. Bogle's advice: "Don't look for the needle. Buy the haystack (total market index funds)...
by Taylor Larimore
Mon Oct 16, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 2812

Re: 30th Anniversary of October 19, 1987 stock market crash

Bogleheads: My wife and I were on a cruise in the South China Seas on October 19, 1987. Word came over the wireless that the stock market had plunged 22%. The ship had only 2 telephones to the U.S. and both telephones had long lines of scared passengers waiting to call their brokers to sell. I remem...
by Taylor Larimore
Mon Oct 16, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5521

Re: Is Florida Over, 2017

Bogleheads:

I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level.

What has risen is property value and taxes.

Best wishes.
Taylor
by Taylor Larimore
Sun Oct 15, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: [How to get started buying stocks]
Replies: 11
Views: 740

Re: How to get started buying stocks

Hi. I'm 52 and have been saving some money in a savings account, I have a 401K at work and I have a Roth IRA. I was interested in buying stocks and wondered if it was possible to start slow to get my feet wet and just buy one or two stocks at a time. If that is possible which site is best to do tha...
by Taylor Larimore
Sun Oct 15, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5717

Re: How does everyone keep track of your portfolio?

Bogleheads: My three funds are with Vanguard. I check my asset-allocation and balances once or twice a year (for fraud, error and activity) on the Vanguard website and also when I receive my annual statement. Vanguard website and statements provide much more information than I can possibly use. That...
by Taylor Larimore
Sun Oct 15, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying portfolio
Replies: 41
Views: 3088

retiredjg

cajungal:

It is a rare advisor who will completely analyze your overly-complex portfolio and give you so much sound advice!

retiredjg makes the Bogleheads proud!

Best wishes.
Taylor
by Taylor Larimore
Sat Oct 14, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need help starting out
Replies: 7
Views: 578

"If You Can"

Burke45: Welcome to the Bogleheads Forum! The best advice I can give you is to read a wonderful small book written especially for Millennials by Boglehead Bill Bernstein titled, "If You Can." It is available free on pdf. You can read it in less than an hour. This is the link: https://www.etf.com/doc...
by Taylor Larimore
Fri Oct 13, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: “Going Long Volatility”
Replies: 16
Views: 863

Re: “Going Long Volatility”

Bogleheads: "Going Long Volatility" is something I never heard of. I'll guess it is some rare marketing phrase. In any event, it would be helpful to have a link to the As the markets continue to reach new highs while volatility stays low, I keep coming across articles and posts from time to time rec...
by Taylor Larimore
Thu Oct 12, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Audiobook??
Replies: 3
Views: 395

Re: Bogleheads Audiobook: If You Can

Bogleheads:

I agree that Bill Bernstein's booklet, "If You Can,"is ideal for high-school graduates (it recommends The Three-Fund Portfolio).

https://www.etf.com/docs/IfYouCan.pdf

Best wishes.
Taylor
by Taylor Larimore
Thu Oct 12, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2363

Jack Bogle flew coach class

Bogleheads: One of the first stories I heard about my hero, Jack Bogle, was that when he was working for Vanguard (which he founded) he always flew coach class. I had doubts about this until his secretary confirmed it. Jack knew it would save money for his shareholders and set an example for his emp...
by Taylor Larimore
Wed Oct 11, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6833

Valuation investing vs Stay-the-course investing

Bogleheads: Changing investments based on changing valuations is a form of market-timing which many studies have shown does not work. Stay the course. No matter what happens, stick to your program. I've said "Stay the course" a thousand times, and I meant it ever time. It is the most important singl...
by Taylor Larimore
Wed Oct 11, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity replacing SS shortfall?
Replies: 14
Views: 926

Re: Annuity replacing SS shortfall?

I've never thought much about an annuity, tending more toward living off SS, our pensions, and our IRAs. The thought struck me just this morning, however, that perhaps I am missing a bet. We've all read how Social Security is expected to hit a shortfall sometime around 2034 (no comments regarding p...
by Taylor Larimore
Wed Oct 11, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance as an inheritance?
Replies: 10
Views: 507

Re: Term Life Insurance as an inheritance?

Obviously, many do not continue their insurance after they have accumulated enough for their retirement. So, where is my thinking wrong?
Ved:

Answer: It is foolish to pay for insurance you don't need.

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 10, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 171989

Re: Tesla S

To accelerate (at forces potentially greater than 1g) without warning is irresponsible. Taylor, that wasn't a Tesla salesperson that did that, was it?
Tomato:

It was a young relative.

Best wishes
Taylor
by Taylor Larimore
Tue Oct 10, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to move a portfolio out of a traditional advisor service?
Replies: 18
Views: 1035

Re: How to move a portfolio out of a traditional advisor service?

purplesaver: Welcome to the Bogleheads Forum! I agree with sco that Vanguard's Personal Advisory Service and their 0.3% fee is well worth the cost to have them move your securities to a simple, sophisticated, tax-efficient, diversified, low-cost portfolio like this: The Three-Fund Portfolio. Best wi...
by Taylor Larimore
Tue Oct 10, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 171989

Re: Tesla ride

Bogleheads: I was invited to go for a ride in the top of the line Tesla with automatic steering. Without warning, the driver floored the accelerator. I painfully bumped my head on the headrest as we zoomed ahead. The acceleration was almost unbelievable and seems useless to me. Hands off the steerin...
by Taylor Larimore
Tue Oct 10, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: "Simplify Your Investment Plan" -- Morningstar
Replies: 5
Views: 1659

Re: "Simplify Your Investment Plan" -- Morningstar

Thus, IIRC, my ISP is around 8 pages long (admittedly, it could probably use a few pages of paring at this point).
2015:

For what it's worth, I stay-the-course with my broad market index funds and feel no need for an IPS (Investment Policy Statement).

Best wishes.
Taylor
by Taylor Larimore
Tue Oct 10, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3959

Benjamin Graham's forgotten speech.

Bogleheads: If you have the time and want to read one of the best speeches about investing, I highly recommend Mr. Graham's forgotten speech about investing. By learning what worked in Mr. Graham's day, and knowing that it still works today, we can learn the eternal truths for successful investing. ...
by Taylor Larimore
Mon Oct 09, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1856
Views: 1126402

Another nice article about The Three-Fund Portfolio

Bogleheads:

I was alerted to this nice article about The Three-Fund Portfolio:

The Three Fund Investment Portfolio: The Beauty of Simplicity

Best wishes.
Taylor
by Taylor Larimore
Mon Oct 09, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6806

The Trinity Study

EdLaFave:

Our wiki has an excellent article about The Trinity Study which I used when calculating our withdrawal rate. It worked. This is the link:

https://www.bogleheads.org/wiki/Safe_withdrawal_rates

Best wishes.
Taylor
by Taylor Larimore
Mon Oct 09, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing--Roth IRA
Replies: 6
Views: 536

Re: First time investing--Roth IRA

jah7_fsu1: Welcome to the Bogleheads Forum! I'm looking at starting a Roth IRA through Vanguard and want to pick the best possible indexes. Based on the information you presented, I believe the appropriate Vanguard Target Retirement Fund could be ideal. Use this link for information: https://investo...
by Taylor Larimore
Mon Oct 09, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: "Simplify Your Investment Plan" -- Morningstar
Replies: 5
Views: 1659

"Simplify Your Investment Plan" -- Morningstar

Bogleheads: Christine Benz is Morningstar's Director of Personal Finance. She has written an excellent article about the importance of Simplicity (see my link below the window) and taking time to clear out portfolio 'clutter' which can pay dividends many times over. She included this statement: "The...
by Taylor Larimore
Sun Oct 08, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: New Fiduciary Rule seems to be a big disappointment
Replies: 18
Views: 2305

Re: New Fiduciary Rule seems to be a big disappointment

Except what is better - pay a one time 5.5% upfront commission or pay 1% a year for the rest of your life.
Kenkat:

There is a third choice: Buy a no-load, low-cost, index fund charging less than 1/20th of 1% for the rest of your life.

Best wishes.
Taylor