Search found 21787 matches

by Taylor Larimore
Wed Mar 22, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 33
Views: 2596

Re: The $1,124.176 Car.

Bogleheads: One of the easiest ways to save money is buying an inexpensive car. I'll explain: The automobile industry spends billions of dollars each year (General Motors alone spends over $3.4 Billion annually) in their marketing attempts to sell us more car than we need. We forget that a car is p...
by Taylor Larimore
Wed Mar 22, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 58
Views: 2395

The Million Dollar Car

Bogleheads:

You may find this post thought-provoking: The $1,124.176 Car.

Best wishes.
Taylor
by Taylor Larimore
Wed Mar 22, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 33
Views: 2596

The $1,124,176 Car.

Bogleheads: One of the easiest ways to save money is buying an inexpensive car. I'll explain: The automobile industry spends billions of dollars each year (General Motors alone spends over $3.4 Billion annually) in their marketing attempts to sell us more car than we need. We forget that a car is pr...
by Taylor Larimore
Wed Mar 22, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 58
Views: 2395

Re: Vehicles as a percentage of net worth

Hey fellow BH's. We currently have vehicles that are 6 and 8 yrs old and approaching 100k miles. I hope to get 10 years out of each prior to replacing them and we are starting to put a plan in place so in 2018-19 we can pay cash for the 09's replacement. Do any of you have a rule re: how much you $...
by Taylor Larimore
Wed Mar 22, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: "Rising Equity Glide Path" ?
Replies: 37
Views: 5366

My retirement portfolio

Bogleheads: My portfolio is cash in the bank and three Vanguard funds: 1. Money that I cannot afford to lose is in fixed-income (Cash and Total Bond Market Index fund}. 2. The rest is in two stock funds (S&P 500 Index fund and Tax-Exempt Small-Cap fund). Three Vanguard funds. That's it. I sleep ...
by Taylor Larimore
Wed Mar 22, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 3020

Re: WSJ: S&P 500′s Rally Is Falling Behind the World

Bogleheads:

The gentleman who wrote the article is Chris Dieterich, “Market Maniac” reporter for the Wall Street Journal.

http://www.cision.com/us/2016/09/changes-at-wsj-2/

Best wishes.
Taylor
by Taylor Larimore
Tue Mar 21, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1713

Total Stock Market Index Fund as a First Investment

Sorry, I'm new at trying to understand this, and its a lot all at once. Trying to start moving money into a taxable account. Still not sure what best to put in it. Been picking through other threads and I see a lot of talk of funds like TSM. I do roughly get why an index fund is a better choice tha...
by Taylor Larimore
Tue Mar 21, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 17
Views: 1084

Re: I would appreciate comments on my asset allocation.

Thank you for your comments. You are right about the 1, 3, 5, and 10 year returns using a 50/50 asset allocation. That is an eye opener! Going back 15 years there is a .7% advantage in the above portfolio's CAGR and a 10% increase in its SD. I would be interested to know why that extra 5 years made...
by Taylor Larimore
Tue Mar 21, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 17
Views: 1084

Re: I would appreciate comments on my asset allocation.

Retirement Assets: His IRA - Value low seven-figures: 7.5% Vanguard 500 Index (VFIAX) 7.5% Vanguard Value Index (VVIAX) 7.5% Vanguard Small-Cap Index (VSMAX) 7.5% Vanguard Small-Cap Value Index (VSIAX) 5% Vanguard REIT Index Fund (VGSLX) 2.5% Vanguard Developed Markets Index (VTMGX) 5% iShares MSCI...
by Taylor Larimore
Mon Mar 20, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 3981

Re: Inlaw Suddenly Wants Financial Security in 60's..

The CFP intimated he could get her up to 9% annually on her $75k SeeMoe: A claim like that is a red-flag. No one can accurately forecast future returns. I suggest you send your in-law Mr. Bogle's "Little Book of Common Sense investing." https://www.amazon.com/s/ref=nb_sb_ss_c_1_8?url=sear...
by Taylor Larimore
Mon Mar 20, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1049

Re: What Fidelity funds do you use in your 3 fund portfolio?

Is there a consensus what to do if you want to avoid MBS in your bond holdings, would an etf like GVI be ok or are there better options out there. I was looking at something similar to BIV,vanguard intermediate term bond index. . mongstradamus: Diversification is good. Why would you want to avoid M...
by Taylor Larimore
Mon Mar 20, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 5835

Harvard no longer beats the market

Bogleheads:

According to the Boston Globe, In recent years Harvard has significantly under-performed the U.S. total stock market.

https://www.bostonglobe.com/business/20 ... story.html

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 20, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2140

Lesson Learned

Bogleheads: I agree with Alan S. who wrote: Insurance rates are heavily local by way of rate territories. We were with State Farm for many years with only one claim (old car totaled in a Hurricane). Our premium had been slowly increasing so I checked around, found GEICO, and our automobile insurance...
by Taylor Larimore
Mon Mar 20, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 14
Views: 682

Re: How much life insurance?

neophyte1: The Bogleheads' Guide to Investing has this Table (page 247) that will help answer your question: "Computing How Much Life Insurance Your Need ." 1. $_______ Annual income (in dollors) that will be needed by the survivor(s) 2. $_______ Annual income available (pension, Social Se...
by Taylor Larimore
Sat Mar 18, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 5992

Re: Am I Addicted

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by Taylor Larimore
Sat Mar 18, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: Analyst Offers a Consultation
Replies: 13
Views: 1249

Re: Analyst Offers a Consultation

Marcopolo:

Thank you for your explanation.

Best wishes.
Taylor
by Taylor Larimore
Sat Mar 18, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Divesting to heirs. When and how quickly.
Replies: 27
Views: 2480

Giving heirs their inheritance..now or later?

msk: I think it is a wonderful idea to give your heirs their inheritance before you die. I have been doing the same thing and I can't understand why others (who can afford it) do not do the same. This is a letter my wife and I wrote to our three children on September 5, 2005: Dear Michael, Jeffrey a...
by Taylor Larimore
Sat Mar 18, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: Analyst Offers a Consultation
Replies: 13
Views: 1249

Rollover from IRA to 401K?

I just rolled my traditional IRA to 401K. The brokerage analyst asked me why I would do that if this was not from another 401K. I explained about backdoor IRA without using the actual word Rose: It is unusual to roll an IRA into a 401K. I would appreciate learning the exact details why. Thank you a...
by Taylor Larimore
Fri Mar 17, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice - New Investor
Replies: 4
Views: 342

Answer to questions.

I have some questions regarding a Roth IRA: 1) Above you stated "If necessary, you can withdraw your Roth IRA contribution for any reason and at any time without tax or penalty." - I was under the impression that if you withdrew early from your account, you need to pay a penalty (although ...
by Taylor Larimore
Thu Mar 16, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice - New Investor
Replies: 4
Views: 342

Getting Started

Trying2Save: Welcome to the Bogleheads forum! I am very happy to see my name and your thanks in your first post. You could not have read a better first book than my friend, Bill Bernstein's, Four Pillars of Investing. You will find our Bogleheads' Guide to Investing very similar in our approach to i...
by Taylor Larimore
Thu Mar 16, 2017 7:42 am
Forum: Investing - Theory, News & General
Topic: "Buffett's Bet"
Replies: 18
Views: 2304

Re: "Buffett's Bet" and bonds vs. stocks.

The funny part about the bet is that the collateral (in this case bonds) outperformed both Buffet and the Hedge Fund Portfolio! Sid: There are many different kinds of bonds. For example: Short-term; intermediate-term; long-term. Which kind "outperformed both Buffett and the Hedge Fund Portfoli...
by Taylor Larimore
Thu Mar 16, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 55
Views: 10548

The Boglehead Philosophy is the way to go.

So, what book have you read that caused you to say "huh, maybe there is something more to this than I thought". This being things such as active trading, buying stocks v. index funds etc. etc. WolfgangPauli: The more I read, the older I got, and the larger my net worth, the more I underst...
by Taylor Larimore
Wed Mar 15, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: "Buffett's Bet"
Replies: 18
Views: 2304

Lost decades

saagar_is_cool wrote:Didn't S&P have a lost decade between 1999 and 2013 ?

saagar is cool:

Nearly every stock fund will have a "lost decade."

That's the point. "Lost decades" are meaningless for long-term investors who stay-the-course.

Best wishes.
Taylor
by Taylor Larimore
Wed Mar 15, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: "Buffett's Bet"
Replies: 18
Views: 2304

Re: "Buffett's Bet"

I'm still shocked he could win with nothing but a S&P 500 index fund! After being on the bogleheads forum for a while I figured he would have need at least a third of his portfolio in international and then slice and dice in emerging markets, reits, precious metals, etc. He did it with just a S...
by Taylor Larimore
Wed Mar 15, 2017 8:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch
Replies: 8
Views: 1004

Right now 42 stock/10 bond/48 cash I'm just a bit paralyzed now by the daunting prospects of investing and moving so many funds Taxed-Out: Thank you for your reply. Seems like a reasonable allocation. Expect the portfolio to decline approximately 21% in the next bad bear market (1/2 its stock alloc...
by Taylor Larimore
Wed Mar 15, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Evolving my asset allocation to slice-and-dice
Replies: 9
Views: 533

10 funds vs. 3 funds

I have been reading and listening to Paul Merriman lately. He advocates a 10 fund stock allocation with a tilt to small and value. strongboy2005: Be careful: Paul Merriman's "Ultimate Portfolio" is not doing very well compared with eight other good portfolios. Lazy Portfolios Allan Roth's...
by Taylor Larimore
Wed Mar 15, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: "Buffett's Bet"
Replies: 18
Views: 2304

"Buffett's Bet"

Bogleheads: One of my favorite newsletters is "Vectors " edited by a former airline pilot, George Sisti, who became a Certified Financial Planner. His latest newsletter is titled "Buffett's Bet" but it contains much more valuable information for investors. http://www.oncoursefp.c...
by Taylor Larimore
Wed Mar 15, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 937087

Re: The Three-Fund Portfolio

Do we have the rare situation brewing where both market and bonds could be decline simultaneously given the low interest rates. I believe this happened in 1940 and 1970, correct? How does a three fund portfolio protect against this? groho: It is impossible to forecast what the stock and bond market...
by Taylor Larimore
Wed Mar 15, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio with less downside risk
Replies: 5
Views: 646

Re: 3-fund portfolio with less downside risk

onourway: Your post suggests that you are attempting to use past performance as the basis for picking funds. This is almost certainly a mistake. Jack Bogle: "The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future." There will always be ...
by Taylor Larimore
Wed Mar 15, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch
Replies: 8
Views: 1004

Re: Vanguard Portfolio Watch

Taxed-Out:

What is your overall stock/bond ratio?

Thank you and best wishes.
Taylor
by Taylor Larimore
Wed Mar 15, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Taylor's Check List - end-of-life
Replies: 6
Views: 2309

Re: Taylor's Check List - end-of-life

Might someone please direct me to Taylor's check list, for easing a successor's initial burdens after a death? I've not been successful at searching the Wiki. BachFan: Here it is: FINAL INSTRUCTIONS For Immediate Action: I would like my remains to be donated to the University of Miami Medical Schoo...
by Taylor Larimore
Tue Mar 14, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7269

How Much International Stock? A Suggestion.

Do you avoid international investing like Jack Bogle? Roguejim: How much international investing is a very controversial subject. To help answer the question, I wrote this suggestion: How Much International Stock? A Suggestion. I might add that when experts disagree, it is often because it makes li...
by Taylor Larimore
Tue Mar 14, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why does AA on Vanguard Target Retirement Funds not match conventional advice?
Replies: 17
Views: 1044

Re: Why does AA on Vanguard Target Retirement Funds not match conventional advice?

From what I understand most pundits advise the percentage of bonds in your Asset Allocation to be same as your age. luckybamboo: "Bonds = age" is only a rough guideline. Knowledgeable investors determine their very important stock/bond ratio based on their goals, time-frame, risk-toleranc...
by Taylor Larimore
Tue Mar 14, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index Fund Composition
Replies: 8
Views: 1061

Re: Vanguard Total Stock Market Index Fund Composition

I don't understand the combined 1.28% of foreign stock and cash

Radnor:

It doesn't matter. :happy

Best wishes.
Taylor
by Taylor Larimore
Tue Mar 14, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: New index fund investor
Replies: 23
Views: 1514

Investing Books

dawghall wrote:Very informative read, thanks! Looks like I need to buy a few books!

Dawghall:

I have read hundred's of investing book: Books I Have Read.

The learning curve is very flat after reading one or two good books such as these: Investment Gems.

Best wishes.
Taylor
by Taylor Larimore
Tue Mar 14, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 937087

Off topic discussions

Bogleheads:

Please confine this topic to The Three-Fund Portfolio.

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Mar 13, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 937087

Re: The Three-Fund Portfolio. Answer to questions

I have three questions on the 3-fund portfolio please[/url] kayanco: I will try to answer your questions in blue: 1. If someone started with a 90/10 (stock/bond) based 3-fund portfolio, but then never ever rebalanced it, how terrible is that? It might work, but it might not. You will need an iron s...
by Taylor Larimore
Mon Mar 13, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: New index fund investor
Replies: 23
Views: 1514

Re: New index fund investor

IndexFan: I urge you to read a good book about investing. "If You Can" by William Bernstein is one of the best. It is free online and can be read in less than an hour. This is the link: https://gallery.mailchimp.com/34a7cea33f33e45eedceea223/files/212585d4-0b93-42c6-aeda-6ec14e03ee20.pdf &...
by Taylor Larimore
Sun Mar 12, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: New index fund investor
Replies: 23
Views: 1514

Vanguard Target Funds

I am about to start an index fund account for the 1st time. I have just $1,000 to start. VTI and VOO will each account for 25% of my account. VBR, VXUS, VWO, and VNQ will all have smaller holdings in my account. Of course, all look expensive right now except for VNQ. What are your suggestions on wh...
by Taylor Larimore
Sat Mar 11, 2017 3:13 pm
Forum: Investing - Theory, News & General
Topic: Total International vs Developed Markets: a straightforward question
Replies: 21
Views: 1780

Re: Total International vs Developed Markets: a straightforward question

This thread... https://www.bogleheads.org/forum/viewtopic.php?t=174302 ... didn't address what I hope is a straightforward question. The commandment "Be Diversified" favors Total International (VGTSX) with 6,066 holdings. The commandment "Keep Expenses Low" favors Developed Mark...
by Taylor Larimore
Wed Mar 08, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Setting Up a Vanguard Account
Replies: 7
Views: 577

Re: Setting Up a Vanguard Account

Mortfree:

IRA means "Individual Retirement Account." It cannot be mixed with someone else's account.

Best wishes.
Taylor
by Taylor Larimore
Wed Mar 08, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11437

Re: How to make it easier for spouse upon death

Not that I'm in immediate need but can a trust stipulate the investment strategy? E.g., "must stay invested in a Three-Fund Portfolio using Vanguard funds"? Of course, there would be have to be provisos for cash withdrawals and fund closures, but can you limit what the trust is allowed to...
by Taylor Larimore
Wed Mar 08, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Can You Provide a Chart of Equity Returns
Replies: 2
Views: 310

Past Performance Charts

On of our children has asked me if there are any charts showing equity returns for all 10 year (rolling) time periods since a reasonable start date ..... can anyone provide same or direct me to such a chart ..... curious to see if there are any 10 year time periods where equities did not have a pos...
by Taylor Larimore
Wed Mar 08, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11437

Vanguard trust service

Last thing I'd want to pass on to my DW is headache's dealing with the trust services company. Plus, as I understand it, communications with VG are done over the phone or through e-mail (potentially video-conference). If my DW is to take things over, she'll likely want/need some face-to-face time w...
by Taylor Larimore
Wed Mar 08, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11437

Re: How to make it easier for spouse upon death

Hi Taylor -- Bogleheads tend to be fee-conscious do-it-yourselfers, so if the surviving spouse is not a committed Boglehead the financial services industry will find and exploit the weak spot and end up with an even bigger pie to carve up thanks to our efforts. The best answer is to get the spouse ...
by Taylor Larimore
Wed Mar 08, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11437

Re: How to make it easier for spouse upon death

I am concerned that many Bogleheads severely underestimate the power of the financial services industry to appropriate their money after they are no longer around to defend it. You have been gone two years. Your wife is at a cocktail party, where everyone is raving about a smartly-dressed and hands...
by Taylor Larimore
Tue Mar 07, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9394

Re: GEICO auto rates

Bogleheads:

After 10+ years at State Farm, three years ago I decided to get a quote form GEICO.

The premium was almost half so I switched.

I've had 2 renewals and the premium was not changed. :happy

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 06, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: 27 yrs old. Reading Bogleheads guide to investing. Still need help.
Replies: 24
Views: 1853

Re: 27 yrs old. Reading Bogleheads guide to investing. Still need help.

clicobb:

Based on your opening post, I believe the appropriate Vanguard Target Retirement Fund in a Roth IRA for you and another for your wife could be ideal. This is a link:

https://investor.vanguard.com/mutual-fu ... irement/#/

Best wishes.
Taylor
by Taylor Larimore
Mon Mar 06, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 18
Views: 992

Re: Portfolio Tracking Tools

Hey everyone! I just started to invest and was wondering if someone can share some helpful tips. I totally agree that a low cost index approach works well, but would like to add some of my own stock ideas to the mix. I was curious how everyone manages to keep track of their portfolio holdings. Do y...
by Taylor Larimore
Mon Mar 06, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with Life Insurance Salesmen
Replies: 32
Views: 2180

Never buy insurance you don't need.

3. One of the questions posed on here was to ask if he is a fiduciary. He stated a new Department of Labor policy, that says all retirement advisers are REQUIRED to act as a fiduciary. http://www.investopedia.com/updates/dol-fiduciary-rule/ While this obviously didn't change the fact that I in no w...

Go to advanced search