Search found 26008 matches

by Taylor Larimore
Thu Jul 09, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 42
Views: 3694

Slow Learners

I agree with Taylor that it’s easier to stay the course of your portfolio is simple. I’m a 3 fund plus small cap and reits. I’m thinking about selling my small cap and reits and just doing a pure 3 fund. I would do a target date if the ER were lower. Dennisl: When we moved to Vanguard in 1986, I im...
by Taylor Larimore
Thu Jul 09, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Gold as Part of a Portfolio?
Replies: 17
Views: 607

Gold?

Bogleheads: arcticpineapplecorp has given us excellent graphs showing the miserable value of gold in the past. No one knows what it will do in the future. Most Bogleheads understand the difference between speculation and investing . The financial industry tries with all its might to persuade us that...
by Taylor Larimore
Wed Jul 08, 2020 5:04 pm
Forum: Personal Investments
Topic: Three Fund Portfolio - A Few Questions
Replies: 6
Views: 606

Re: Three Fund Portfolio - A Few Questions

Hi, I make contributions to my IRA monthly and will be maxed out by end of the calendar year so want to now start investing in a taxable account(s) (all thru Vanguard). I was planning to follow the three fund portfolio guidelines and begin by investing in VTSAX in a taxable account. VTSAX (Vanguard...
by Taylor Larimore
Wed Jul 08, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Guide to The Three-Fund Portfolio: 200 Ratings. 4 1/2 Stars
Replies: 9
Views: 867

Re: Bogleheads Guide to The Three-Fund Portfolio: 200 Ratings. 4 1/2 Stars

O2nz and Dottie57: Thank you for catching my error of "4 funds" vs. "3- funds." I may have unconsciously added a small-cap value fund. :oops: I will immediately edit my post. Best wishes. Taylor Jack Bogle's Words of Wisdom: "There may be better investment strategies than owning just three broad-bas...
by Taylor Larimore
Wed Jul 08, 2020 11:42 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Guide to The Three-Fund Portfolio: 200 Ratings. 4 1/2 Stars
Replies: 9
Views: 867

Bogleheads Guide to The Three-Fund Portfolio: 200 Ratings. 4 1/2 Stars

Bogleheads: Amazon has received 200 4 1/2 Star Buyer Ratings for The Bogleheads Guide to The Three-Fund Portfolio. The result is thousands of dollars in royalties for The John C. Bogle Center for Financial Literacy. I know that many of the "Buyer Ratings" were from Bogleheads on this forum who bough...
by Taylor Larimore
Tue Jul 07, 2020 8:19 pm
Forum: Personal Investments
Topic: Why no Admiral Shares in my Target Date fund?
Replies: 29
Views: 2071

Target Date Funds or The Three-Fund Portfolio?

Bogleheads: I am a fan of Vanguard's simple, low-cost Target-Date Funds. However, they are tax-inefficient and generally not suitable for portfolios containing taxable accounts -- in which case The Three-Fund Portfolio is likely to provide higher returns. Best wishes Taylor Jack Bogle's Words of Wis...
by Taylor Larimore
Tue Jul 07, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 127
Views: 5908

Wallets

Bogleheads:

My idea of a good wallet is thin, good quality and inexpensive. Amazon has dozens that meet this criteria.

Best wishes.
Taylor
Jack Bogle's Words of Wisdom: "You get to keep exactly what you don't pay for."
by Taylor Larimore
Tue Jul 07, 2020 12:13 pm
Forum: Personal Investments
Topic: [Three-Fund Portfolio - Asset Allocation?]
Replies: 7
Views: 491

Re: Three-Fund Portfolio - Asset Allocation?

[Moved into a new thread from: The Three-Fund Portfolio --admin LadyGeek] I am a newbie, so I hope I'm doing this properly. My wife and I are in our mid 70s and retired, so I'm looking for income stability with some growth. The three-fund portfolio seems to offer just bonds or stock. At our age too...
by Taylor Larimore
Mon Jul 06, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 42
Views: 3694

Re: What is your contrarian/alternative play?

Hi everyone! I want to ask those Bogleheads, who have deviated away from the traditional 3-fund portfolio, what is your current contrarian/alternative asset play ? For me personally, after doing a heavy dive into macroeconomics, I have started to allocated a minor portion to BTC and a slightly larg...
by Taylor Larimore
Mon Jul 06, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 120
Views: 20876

"Waiting to recoup losses"

I didn't want to sell at a loss, especially since this fund is in my Roth. So, I'm holding on to it on a wing and a prayer that I can at least recover my losses before ditching it. Who knows, maybe the new management knows something I don't. If you had the money in cash, would you still invest in t...
by Taylor Larimore
Mon Jul 06, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Based on neighborhood fireworks how is your local economy doing?
Replies: 56
Views: 4036

Re: Empire State Fireworks !

Bogleheads: I hope that you were able to see the 4th of July fireworks sent from the top of the Empire State Building in N.Y. City. I can't remember seeing more beautiful fireworks anywhere. Best wishes. Taylor Wow! I did not know they did that. Did you watch on television? abuss368: Yes. Taylor Ja...
by Taylor Larimore
Sun Jul 05, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Based on neighborhood fireworks how is your local economy doing?
Replies: 56
Views: 4036

Empire State Fireworks !

Bogleheads: I hope that you were able to see the 4th of July fireworks sent from the top of the Empire State Building in N.Y. City. I can't remember seeing more beautiful fireworks anywhere. Best wishes. Taylor Jack Bogle's Words of Wisdom: "By worshiping at the altar of numbers and by discounting t...
by Taylor Larimore
Sun Jul 05, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: Simple retirement plan. Crazy idea?
Replies: 43
Views: 4581

Re: Simple retirement plan. Crazy idea?

To be clear, I don't plan to do this and I'm throwing it out there for people to take potshots at. Fire away! Let's say Social Security will cover 2/3 of your required income needs in retirement. And let's say with half of your retirement assets you could buy a SPIA that would cover the other 1/3 o...
by Taylor Larimore
Sun Jul 05, 2020 1:05 pm
Forum: Personal Investments
Topic: Selling 9 Vanguard mutual funds in one day
Replies: 7
Views: 732

Re: Selling 9 Vanguard mutual funds in one day

I ended up with 9 Vanguard mutual funds ($3k each) after trying to get fancy with my taxable and Roth IRA accounts for retirement but now I'm switching to a more simplified strategy. Will I end up on Vanguard's naughty list if I try to sell all 9 of these on Monday? I don't plan to buy anything for...
by Taylor Larimore
Sat Jul 04, 2020 8:12 pm
Forum: US Chapters
Topic: The Declaration of Independence
Replies: 66
Views: 9075

Abuss368

Bogleheads: Abuss368 has recently achieved over 20,000 high quality posts! His many posts recommending the simple 2-fund portfolio of Total Stock and Total Bond Index funds recommended by Warren Buffett and Jack Bogle is very similar to my favorite Three-Fund Portfolio . The only difference being th...
by Taylor Larimore
Sat Jul 04, 2020 4:56 pm
Forum: US Chapters
Topic: The Declaration of Independence
Replies: 66
Views: 9075

Re: The Declaration of Independence

Every morning my hubby and I put out our flag while singing the National Anthem (or playing a version of some group with more musical skill than us.) and each night we bring in the flag and gently put it it into its place of honor. Today, we put it out and felt a little extra proud that we live in ...
by Taylor Larimore
Sat Jul 04, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Just read my first book cover to cover....thanks!!
Replies: 15
Views: 2274

"Do the thing you fear and the death of fear is certain" by Dale Carnegie

So I just read Dale Carnegie’s “How to Stop Worrying and Start Living” after it being recommended on this forum. This is the first book I’ve ever read cover to cover aside from bedtime stories to my kids. At first, when I had my wife get the book off Amazon, she laughed because she knows I hate rea...
by Taylor Larimore
Sat Jul 04, 2020 9:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 120
Views: 20876

Lesson Learned

But, they've lost all credibility in my eyes, and I will never buy another managed fund from them again. Joer1212: If you never buy a managed fund again you can thank Vanguard for a very important lesson. :happy Best wishes. Taylor Jack Bogle's Words of Wisdom: "One of the most remarkable reflectio...
by Taylor Larimore
Fri Jul 03, 2020 7:08 pm
Forum: Personal Investments
Topic: Best books to learn about REITs?
Replies: 7
Views: 514

REIT's ?

I just finished reading the Bogleheads Guide to Investing. However, I would like to know more about REITs. What books are best to learn about REITs? BoglesRazor: Vanguard Total Stock Market contains the market weight in REIT's, and in a low-cost, tax-efficient manner. In my opinion, that's enough--...
by Taylor Larimore
Fri Jul 03, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: "Value Betting vs. The Stock Market"
Replies: 18
Views: 1816

"Value Betting vs. The Stock Market"

Value Investors: I accidently came across this article: "Value Betting vs. The Stock Market." May be helpful for those who like to bet on value stocks outperforming the total stock market. :oops: https://www.rebelbetting.com/blog/value-betting-vs-the-stock-market Best wishes. Taylor Jack Bogle's Wor...
by Taylor Larimore
Fri Jul 03, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: considering paying cash for house- What would you do?
Replies: 54
Views: 3657

Re: Considering paying cash for house- What would you do?

lostdog850: Many years ago I used my GI Bill to purchase an 8-unit apartment at a very low, long-term interest rate of about 2%. The loan was assumable subject to government approval. In the late 70s, when inflation was high, we decided to sell the apartment. The buyer agreed to pay substantially mo...
by Taylor Larimore
Fri Jul 03, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 37
Views: 4243

"Are You Questioning Your Foreign Stock Funds?"

Bogleheads: Dan Sotiroff, a passive strategies research analyst for Morningstar, has written an insightful article about foreign stock funds with these observations and suggestions: "They've (foreign stocks) underperformed by around 6%-7% in aggregate. That's sort of just a continuing story of what ...
by Taylor Larimore
Fri Jul 03, 2020 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 120
Views: 20876

Re: Vanguard Precious Metals and Mining Fund is changing

I bought VGPMX back in 2013 in both Roth and Traditional IRA accounts. Sold out at a 43% loss this year. I'll never buy another Vanguard fund again in my life for the simple reason that I don't trust them not to screw me again. 7eight9: Like you, I made investing mistakes--including owning Vanguard...
by Taylor Larimore
Fri Jul 03, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1118
Views: 113249

bck63

bck63:

I appreciate your post.

Best wishes.
Taylor
Jack Bogle's Words of Wisdom: "It is character, not numbers, that make the world go ‘round. How can we possibly measure the qualities of human existence that give our lives and careers meaning? How about grace, kindness, and integrity?"
by Taylor Larimore
Fri Jul 03, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4299

Re: 2 and 3 fund funders - sticking soley with Total Bond?

I'm looking for feedback on the 2 and 3 funders who as sticking soley with Vanguards Total Bond. Have you decided "recently" just to stick with Total Bond? Or have you made some changes recently? Cody: Pat and I moved all our investments from Merrill Lynch to Vanguard in 1986. Vanguard Total Bond M...
by Taylor Larimore
Fri Jul 03, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: "Same Old Story: Growth Beats Value"
Replies: 11
Views: 1447

Relying on Past Performance

Bogleheads: I love to save quotes which contain valuable lessons for all investors. This is one of my all-time favorites written by author and adviser, Bill Schultheis: " Using past performance numbers as a method for choosing mutual funds is such a lousy idea that mutual fund companies are required...
by Taylor Larimore
Thu Jul 02, 2020 4:37 pm
Forum: Personal Investments
Topic: Vanguard balanced funds
Replies: 14
Views: 1643

Balanced Funds ?

Any recommendations for a good Vanguard balanced fund to buy for a Roth IRA account? 25 years Time horizon. Mario2222: I am not a fan of balanced funds. Three primary reasons: 1. Their asset-allocation (stocks and bonds) doesn't change. Most investors change their desired asset-allocation during th...
by Taylor Larimore
Thu Jul 02, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: "Same Old Story: Growth Beats Value"
Replies: 11
Views: 1447

Re: "Same Old Story: Growth Beats Value"

Great reminder Taylor. Thank You. Happy 4th of July to you. Thrift Shop: Thank you for your post. Just to be clear, I think it is as big a mistake to gamble on growth stocks outperforming as it is to gamble on value stocks outperforming. The superior solution is to buy a low-cost, very diversified,...
by Taylor Larimore
Thu Jul 02, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6390

Re: How to analyze having a paid-off mortgage in retirement?

Bogleheads: Be careful what you wish for. Having a mortgage-free home is certainly nice, but for many of us in late retirement it is frustrating to have a large portion of our money tied-up in our house when it could be used for better purposes. Best wishes. Taylor Jack Bogle's Words of Wisdom: "As ...
by Taylor Larimore
Thu Jul 02, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: "Same Old Story: Growth Beats Value"
Replies: 11
Views: 1447

"Same Old Story: Growth Beats Value"

Bogleheads: Morningstar is featuring an article titled: "Same Old Story: Growth Beats Value. " These are excerpts: "The first half (2020) featured extreme market volatility, as well as extremely varied performance for mutual funds." "Large growth maintains its supremacy in the Morningstar Style Box ...
by Taylor Larimore
Thu Jul 02, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32010

Re: Really hard to avoid "Keeping up with the Joneses"!

Bogleheads: One of the reasons I left the life-insurance business is that I did not like trying to look more successful than I was. Driving an expensive car and wearing expensive coat, tie and shoes, and living in an expensive neighborhood we couldn't really afford was degrading to me. This was one ...
by Taylor Larimore
Wed Jul 01, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: The perfect retirement portfolio...
Replies: 29
Views: 4278

Re: The perfect retirement portfolio...

Wrench: It is hard to beat the many benefits of The Three-Fund Portfolio . I know, I have been retired since 1982. The Three-Fund Portfolio Best wishes. Taylor Jack Bogle's Words of Wisdom: "There may be better investment strategies than owning just three broad-based index funds but the number of st...
by Taylor Larimore
Wed Jul 01, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler (Morningstar): Jack Bogle was Wrong about ETFs
Replies: 46
Views: 2884

Jack Bogle on ETFs

Bogleheads: In his second edition of Common Sense on Mutual Funds Mr. Bogle wrote extensively about ETFs. This is his summation: "Yes, it is possible, and reasonable, to buy an ETF that represents the S&P 500 or the total U.S. stock market, to hold it as a long-term investment, and to own it at low ...
by Taylor Larimore
Tue Jun 30, 2020 7:34 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- SECOND QUARTER 2020
Replies: 2
Views: 462

BOGLEHEAD CONTEST -- SECOND QUARTER 2020

Bogleheads: It has been a bumpy ride but I am happy to report that the S&P 500 closed out its best quarter since 1998 at 3100.29. Lesson learned : Stay the course. Congratulations to our Contest Leaders and their guesses made back in January: 1 Sparky1500 3100.00 2 milo minderbinder 3101.21 3 spin_e...
by Taylor Larimore
Tue Jun 30, 2020 4:12 pm
Forum: Personal Investments
Topic: VBTLX: Short-term perspectives?
Replies: 27
Views: 1368

Historical Returns

VBTLX worst performance was around -2.5% at the end of any given year if i remember correctly. This is past data not future data. Taylor shared this data in the forum but i am not able locate it currently. 1789: This is the link: https://www.bogleheads.org/forum/viewtopic.php?t=315786 Best wishes. ...
by Taylor Larimore
Tue Jun 30, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Seeking input on type of family car to purchase and whether to buy new or used
Replies: 37
Views: 1503

Consumer Reports -- April Car Issue

bucky6225: Before purchasing a new or used car, I strongly suggest reading the April Car Issue of Consumer Reports . It is available at most libraries. Best wishes. Taylor Jack Bogle's Words of Wisdom: "One of our most important values is candor. Tell the whole truth and nothing but the truth, with ...
by Taylor Larimore
Mon Jun 29, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 193
Views: 13866

Re: What is the best financial decision you ever made?

For me, so far, it has been to Max out my 401K every year. :moneybag moneybag: For me, our best financial decision was moving all our securities from Merrill Lynch to Vanguard in 1986. Thank you, Jack! Best wishes Taylor Jack Bogle's Words of Wisdom: "We must seek an investment sector in which the ...
by Taylor Larimore
Mon Jun 29, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: How much tilting to SCV (rule of thumb)?
Replies: 95
Views: 6110

Re: How much tilting to SCV in or near retirement?

there's no reason that the ratio of SCV to total stock market should decrease over time. If anything, as I mentioned earlier I think, the optimal amount of SCV tilt is probably highest right after retirement. vineviz: It is obvious to me that overweighting Small Cap Value stocks in or near retireme...
by Taylor Larimore
Sun Jun 28, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Seller did not make agreed upon repairs; closing in 2 days
Replies: 55
Views: 5748

Re: Seller did not make agreed upon repairs; closing in 2 days

dardeninvestor: I am interested in your problem and enjoy reading the excellent replies you have been getting. It is gratifying to learn your satisfactory outcome. Best wishes. Taylor Jack Bogle's Words of Wisdom: "By worshiping at the altar of numbers and by discounting the immeasurable (trust, wis...
by Taylor Larimore
Sun Jun 28, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Newbies question - Gordon equation & William Bernstein remark
Replies: 16
Views: 1197

Re: Newbies question - Gordon equation & William Bernstein remark

omers66: Welcome to the Bogleheads Forum! You wrote: "But it's still not clear to me what should investor do in those cases? Simply keep investing by rebalancing? " My answer is an unqualified "yes." These experts agree: "The stock market will fluctuate, but you can't pinpoint when it will tumble or...
by Taylor Larimore
Sat Jun 27, 2020 12:48 pm
Forum: Personal Investments
Topic: Portfolio Review- Morgan Stanley Fees and Performance
Replies: 8
Views: 685

The Bogleheads Guide to the Three-Fund Portfolio

bowma2f9: The Morgan Stanley portfolio is making a lot of money--for Morgan Stanley. May I suggest that you order and share The Bogleheads' Guide to the Three-Fund Portfolio. It is a quick read and enjoys four and one-half stars at Amazon. All royalties go to The John C Bogle Center for Financial Li...
by Taylor Larimore
Fri Jun 26, 2020 4:42 pm
Forum: Investing - Theory, News & General
Topic: How much tilting to SCV (rule of thumb)?
Replies: 95
Views: 6110

Re: How much tilting to SCV (rule of thumb)?

Garland Whizzer: I am reluctant to put much faith in past performance , nevertheless I am wondering if your post above, showing almost identical returns for VFINX (Vanguard S&P 500 Index Fund) and DFSVX (Dimensional Small-Cap Value Fund), includes the advisor fee required for individual DFSVX funds?...
by Taylor Larimore
Wed Jun 24, 2020 4:37 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 89
Views: 11694

Garland Whizzer

Expensive underperformance masked as a high level sophistication--that is what managed futures, multi-alts, market neutral, etc, are IMO. Accepting volatility is hard emotionally, no doubt. It takes years to learn to tolerate it, but it is a worthy goal. Complex expensive strategies claiming very s...
by Taylor Larimore
Tue Jun 23, 2020 7:06 pm
Forum: Investing - Theory, News & General
Topic: How much tilting to SCV (rule of thumb)?
Replies: 95
Views: 6110

Re: How much tilting (gambling) to SCV?

If you believe the SCV (or just S or just V) premium still exists, then it would make sense to tilt X% to SCV? But what is the rule of thumb for X? Probably, the more time you have left for retirement, the more you should tilt to it. Paul Merriman suggests 1.5 x years-to-retirement https://paulmerr...
by Taylor Larimore
Tue Jun 23, 2020 2:24 pm
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer - 6/22/2020
Replies: 58
Views: 2822

Re: Happy Birthday Mel Lindauer - 6/22/2020

Bogleheads: Mel and I became acquainted in the early days of the Morningstar forums (late 90s) when we were both trying to encourage investors to follow the Wisdom of Jack Bogle (primarily indexing which had not yet been generally accepted). On March 10, 2000, Mel and I put together our first Bogleh...
by Taylor Larimore
Mon Jun 22, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: Volatility is NOT Risk, Bogle
Replies: 39
Views: 3530

Re: Volatility is NOT Risk, Bogle

I ran across this short clip / video of Mr. Bogle and thought it would be a good one to share for any investors that are concerned about Risk in their portfolios. I always thought Volatility = Risk; however, Mr. Bogle communicates that is not the case. Definitely a good one to watch! https://www.yo...
by Taylor Larimore
Mon Jun 22, 2020 9:00 am
Forum: Personal Investments
Topic: investing anxieties
Replies: 16
Views: 1233

Re: investing anxieties

hey folks, I entered the market for the very first time about 3 months ago when the market was low...Because of how uncertain everything was I decided to DCA my moneys into 3 portions every 3 months. I invested 30% of my cash in VWRD in March and now my investment plan calls for another 30% in the ...
by Taylor Larimore
Sun Jun 21, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2877
Views: 1872606

Re: The Three-Fund Portfolio on Fathers Day 2020

After a long journey have finally got to a three fund portfolio although part of my total stockmarket is actually a makeshift sp500/extended market due to availability in my 401k. Thanks for all the good advise Dargo: Thank you for sharing your satisfaction with my favorite portfolio. You made my F...
by Taylor Larimore
Sun Jun 21, 2020 4:46 pm
Forum: Personal Investments
Topic: If I add a ST TIPS fund to our 3 fund portfolio...?
Replies: 38
Views: 2031

Re: If I add a ST TIPS fund to our 3 fund portfolio...?

I'm considering adding short-term TIPS to our classic 3-fund portfolio to guard against inflation a bit. We're recently retired and at 45% stock (80% of that in Total Stock Fund, 20% of it in Total International Stock Fund), 34% Total Bond fund, 21% CDs and cash. All of the FI is in tax-deferred ac...
by Taylor Larimore
Sun Jun 21, 2020 4:27 pm
Forum: Personal Investments
Topic: A serious question from a senior about investing.
Replies: 42
Views: 3240

Charitable Gift Annuities

Bogleheads: When we purchased our annuities about 16 years ago, I learned that most Charitable Gift Annuities paid about 30% less than commercial annuities. Nevertheless, if you are giving money away, I like the idea of a Charitable Gift Annuity. It is a great feeling knowing you have helped a chari...