Search found 22101 matches

by Taylor Larimore
Fri Jun 23, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 3634

Re: Starting a Three-Fund Portfolio - which funds?

So I guess the question is, is this still a worthwhile move to Vanguard knowing I will lose that $450? bossballer41: You will need to save hundred's of thousands of dollars for a comfortable retirement. Paying $450 to leave Edward Jones could be the best $450 you will ever spend. Best wishes. Taylo...
by Taylor Larimore
Fri Jun 23, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: "Patience Exemplified"
Replies: 2
Views: 543

"Patience Exemplified"

Bogleheads: Ben Carlson, author of A Wealth of Common Sense , has written an excellent article explaining the importance of investors needing "patience" with their investments. The article contains an informative chart showing the relative performance of U.S. value stocks and U.S. growth s...
by Taylor Larimore
Thu Jun 22, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1808
Views: 1019314

Allan Roth: One advisor to another.

Bogleheads: Below are excerpts from an article by Allan Roth in the Financial Planning publication written for financial advisors: "As an example of simplicity, over a decade ago I taught my son how to invest using just three index funds: · A total stock index fund such as VTSMX · A total inter...
by Taylor Larimore
Thu Jun 22, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3186

Re: Is VG Total Stock Market Index too concentrated?

While Total Stock Market is "fully diversified" with 3500 stocks, the top 10 names represent 16% of the fund. And the top 5 holdings are Apple, Google, Microsoft, Amazon, and Facebook. -- I just hadn't looked at Total Stock Market for a long while and always just took comfort that I was r...
by Taylor Larimore
Thu Jun 22, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6770

One of the oldest tricks in the book

Bogleheads: One of the oldest tricks in the book that is used by unscrupulous brokers and advisors (to earn commissions and fool their clients) is to sell a fund in the clients portfolio that is doing poorly and buy a fund what is doing well. When the client looks at their portfolio, containing only...
by Taylor Larimore
Thu Jun 22, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 81
Views: 5026

Re: Your Favorite Portfolio Tilts

Bogleheads: Allen Roth has written his follow advisors about "tilts": "Owning even one other stock fund will actually decrease diversification since it will be making specific bets on industries, styles, or other factors." "Over the years, I’ve benchmarked hundreds of portfo...
by Taylor Larimore
Thu Jun 22, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"
Replies: 21
Views: 2620

"10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"

Bogleheads: Allan Roth CPA, CFP, is a financial author, monthly financial columnist for AARP magazine and one of the most respected and sought-after financial advisors in the business. He is currently accepting no new clients. Allan has written an important article about simplicity, and using only t...
by Taylor Larimore
Thu Jun 22, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Decisions: LENDX, SRRIX and QSPIX
Replies: 45
Views: 3202

Re: Allocation Decisions: LENDX, SRRIX and QSPIX

Allocation Decisions: LENDX, SRRIX and QSPIX Bogleheads: Before investing in alternate funds, it is helpful to look at the downside as well as the upside. LENDX and SRRIX are not in Morningstar's database. QSPIX has a 10-year cost of $2,695 for a $10,000 investment. The enemy of a good plan is the ...
by Taylor Larimore
Wed Jun 21, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax on Mutual Index Fund
Replies: 19
Views: 811

Re: Tax on Mutual Index Fund

I have 401k at work. I have not opened Vanguard Mutual Index Fund but I want to after reading on forums. I read, can lose gains if I don't rebalance after opening Vanguard Index Fund as above. Hence asking for advice. Any other advice appreciated as I have not opened Vanguard Index fund yet. palcip...
by Taylor Larimore
Wed Jun 21, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Tax on Mutual Index Fund
Replies: 19
Views: 811

Re: Tax on Mutual Index Fund

I am opening Vanguard Mutual Index Fund to start investing: 60% Vanguard Total Stock Market Index 30% Vanguard Total International Stock Market Index 10% Vanguard Total Bond Market Index. after reading on the forums I am newbie and trying to learn more. I am worried about income tax or capital gain...
by Taylor Larimore
Wed Jun 21, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Money Pours In = Diminishing Returns?
Replies: 2
Views: 610

Asset Bloat

slowmoney: You are talking about "asset bloat." This is what Investopedia has to say on the subject: So-called "asset bloat" is not much of a problem for bond, index and money market funds, which generally operate in large market segments that are very liquid and are less affecte...
by Taylor Larimore
Wed Jun 21, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Is a Total Stock Market Index enough...
Replies: 22
Views: 2279

Re: Is a Total Stock Market Index enough...

Is a Total Stock Market Index (like Schwab or Vanguard) sufficient for my domestic stock investments or should I add some small and/or medium index funds too? The portfolio also contains International Index, Bond Index, and REIT Index. Thanks for your thoughts. DanFrancis: Welcome to the Bogleheads...
by Taylor Larimore
Wed Jun 21, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: advise on three fund portfolio
Replies: 5
Views: 371

What experts say

I received an alert that one of my funds ITOT, IShare Core Total US Stock Market, is a strong sell. Jezo: This is what experts say (be sure to read the last quote by Jason Zweig): Alliance Bernstein Research: "In 2005 we interviewed more than 500 financial advisors. 83% of the advisors we poll...
by Taylor Larimore
Tue Jun 20, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 2076

Re: fed employees & all the eggs in the TSP basket

I am a longtime fed employee and will be retiring (FERS) in 2018 at age 62. I have always contributed the maximum to my TSP account and picked the allocations I could tolerate with the C,S, and I funds. I managed to control my inclination to make changes to my TSP allocations back in 2008 and that ...
by Taylor Larimore
Tue Jun 20, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy or Target Retirement Funds?
Replies: 17
Views: 1719

LifeStrategy or Target Retirement Funds?

Bogleheads: I am a big believer in the simplicity of Vanguard's LifeStrategy and Target Retirement funds. These funds are both fund-of-funds which normally belong in tax-advantaged accounts because their holdings include taxable bonds. Expense Ratios are similar; currently 0.13% & 0.14%. In my o...
by Taylor Larimore
Mon Jun 19, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Tips on Bond investment in fidelity
Replies: 8
Views: 546

Re: Tips on Bond investment in fidelity

Any ticker recommendation on bond fund for taxable account at fidelity? new000: Fidelity Total Bond Fund (FTBFX) or Fidelity Total Bond ETF (FBND) would be my choice. You can read about FTBFX here: http://www.morningstar.com/funds/XNAS/FTBFX/quote.html Edit: I overlooked "taxable account."...
by Taylor Larimore
Sun Jun 18, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: State Farm to Geico
Replies: 13
Views: 1105

Re: State Farm to Geico

Please help me decide if it makes sense to switch from State Farm to Geico. Bay area, 56M, 2017 Volt, no citations in last three years. State Farm quoted me $800 for six months while Geico will do a similar coverage for $420. I'm long-term State Farm Customer. vinvedi: Like you, I used State Farm a...
by Taylor Larimore
Sun Jun 18, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Inherited Assets, newly Semi-Retired
Replies: 12
Views: 986

Re: Asset Allocation - Inherited Assets, newly Semi-Retired

I am all-in with the investing philosophy of Vanguard, Bogleheads, and the Three-Fund Portfolio. Emmylou: Welcome to the Bogleheads Forum! I am sorry about the recent death of your parents. However, I am pleased to learn that you are "all-in with the investing philosophy of Vanguard, Boglehead...
by Taylor Larimore
Sun Jun 18, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4731

Re: Best Financial Advice from Dad (in honor of father's day)

Longdog: I had a wonderful Dad who often said: "We are all human beings, white, black, yellow, protestant, catholic and jew." "Judge a man by how he treats the help." "Always do the right thing." "Isn't it Great to be an American" He had it printed on the Miam...
by Taylor Larimore
Sun Jun 18, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1808
Views: 1019314

Re: The Three-Fund Portfolio

LXEX55 wrote:May I ask what would be the suggested allocation of these three funds for a person who retires at age 63? Would you just do 33% each or go heavier on one fund?

LXEX55:

Please read the part about "Asset-Allocation" in my opening post (OP).

Thank you and best wishes.
Taylor
by Taylor Larimore
Sat Jun 17, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 81
Views: 5026

Re: Portfolio Tilts?

Bogleheads: Many of us think we know what asset-class is going to do well in the future (usually based on past performance or industry marketing). I suggest that before adding small, costly, and tax-inefficient funds requiring increased maintenance that you consider the many advantages of Simplicit...
by Taylor Larimore
Sat Jun 17, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Fund Recommendations for 403(b) Accounts
Replies: 12
Views: 605

Re: Asset Allocation and Fund Recommendations for 403(b) Accounts

Peter Foley wrote:I think I'm quoting Taylor when I say that the enemy of a good plan is the perfect plan. You have laid out a good plan. Congrats.

Peter:

I stole this great quote from Jack Bogle:

The enemy of a good plan is the dream of a perfect plan.


Best wishes.
Taylor
by Taylor Larimore
Fri Jun 16, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 81
Views: 5026

Portfolio Tilts?

Bogleheads: Many of us think we know what asset-class is going to do well in the future (usually based on past performance or industry marketing). I suggest that before adding small, costly, and tax-inefficient funds requiring increased maintenance that you consider the many advantages of Simplicity...
by Taylor Larimore
Fri Jun 16, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Aggressive Marketing Push Targeting Federal Annuitants
Replies: 1
Views: 208

Re: Aggressive Marketing Push Targeting Federal Annuitants

Gordon:

Thank you for this important alert.

Best wishes.
Taylor
by Taylor Larimore
Fri Jun 16, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Fund Recommendations for 403(b) Accounts
Replies: 12
Views: 605

Answer to questions

Trakl: I will attempt to answer two of your questions: I am interested in asset allocation recommendations which include a fixed income component (while perhaps still remaining mindful of the expected pension income). 90/10? 80/20? 70/30? This Vanguard Questionnaire will be helpful: https://personal...
by Taylor Larimore
Fri Jun 16, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 88
Views: 7096

Investing should be "boring."

Bogleheads: I started investing in 1950 at the age of 26. At that time the S&P 500 Index stocks were priced under 20. Today the S&P 500 Index stocks are priced at 2,433 (not including dividends). I wish I had just bought the index stocks and done nothing. It might have been boring, but I wou...
by Taylor Larimore
Fri Jun 16, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: 3-4 fund portfolio vs Lifestrategy in taxable acct
Replies: 12
Views: 1510

Need more information

I want to clean up my taxable account and go with three or four funds, have read the info on these with the Vanguard choices. My tax bracket is dropping down this year to at most 25%. I have my retirement funds in Thrift Savings Plan target funds and G shares and am not going to change that. Questi...
by Taylor Larimore
Fri Jun 16, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: "For Mutual Funds, Simpler Seems Better"
Replies: 1
Views: 459

"For Mutual Funds, Simpler Seems Better"

Bogleheads: John Rekenthaler, Vice President of Research for Morningstar, has written a column about "Simplicity." These are important quotes: "Because hedge funds are not required to report their returns to a central authority, they self-report. That is, they give their results to da...
by Taylor Larimore
Thu Jun 15, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6770

Re: Trusts at Vanguard

We've heard that Vanguard is willing to use low cost index funds for Trust investments, we just haven't heard any reports of actual successful experiences. FIREchief: I have a friend who has nine trusts with Vanguard. All nine are invested in The Three-Fund Portfolio. Best wishes. Taylor Thanks Tay...
by Taylor Larimore
Thu Jun 15, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 4911

Stock-heavy retirement portfolios

Where historical studies like Firecalc and Early Retirment Now indicate that a stock-heavy portfolio has a lower failure rate on a 30-40 year time horizon than a bond-heavy portfolio, how is it argued that the bond-heavy portfolio is safer. Case59: Investors should consider possibility as well as p...
by Taylor Larimore
Thu Jun 15, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6770

Trusts at Vanguard

We've heard that Vanguard is willing to use low cost index funds for Trust investments, we just haven't heard any reports of actual successful experiences.

FIREchief:

I have a friend who has nine trusts with Vanguard. All nine are invested in The Three-Fund Portfolio.

Best wishes.
Taylor
by Taylor Larimore
Thu Jun 15, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 2298

Two links

blindpuppy:

Welcome to the Bogleheads Forum!

I no longer try to beat the market using past performance to select managed funds with higher costs, managers that leave, and less tax-efficiency. Read these two links:

Indexing

The Three-Fund Portfolio

Best wishes
Taylor
by Taylor Larimore
Wed Jun 14, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 4911

Probabilities and Consequences

Bogleheads: Larry Swedrow makes an important point: Investors should consider both probabilities and consequences . I have a simple solution which has worked for me: Money I cannot afford to lose is in safe-fixed income -- the rest is in stock mutual funds. I sleep like a baby. Best wishes. Taylor
by Taylor Larimore
Wed Jun 14, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 3634

Re: Starting a Three-Fund Portfolio - which funds?

So I guess the question is, is this still a worthwhile move to Vanguard knowing I will lose that $450? bossballer41: You will need to save hundred's of thousands of dollars for a comfortable retirement. Paying $450 to leave Edward Jones could be the best $450 you will ever spend. Best wishes. Taylor
by Taylor Larimore
Wed Jun 14, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Changing to include Emergency Fund as part of asset allocation - best way to do this?
Replies: 23
Views: 1224

Is a separate emergency fund necessary?

donaldson: Investopedia: Definition of an emergency fund: An emergency fund is an account used to set aside funds needed in the event of a personal financial dilemma, such as the loss of a job, a debilitating illness or a major expense. " One of the biggest myths about investing is that everyon...
by Taylor Larimore
Tue Jun 13, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: Asset class returns?
Replies: 8
Views: 669

Callan Periodic Table of Investment Returns

Does anyone know of a site that shows asset class returns ytd? I would like to see what's on sale Steve: Use this link to the Callan Periodic Table of Investment Returns: https://www.callan.com/wp-content/uploads/2017/01/Callan-PeriodicTbl_KeyInd_2017.pdf "Don't look for the needle. Buy the Ha...
by Taylor Larimore
Tue Jun 13, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6770

Re: Trust Fund Hell

Avo wrote:
Taylor Larimore wrote:In 1990 I brought suit against the largest bank in Miami for mishandling the investments of my grandmother's trust fund.

Did you win??

Avo:

No. The bank (Southeast Bank) went bankrupt and my attorney failed to file a claim in time.

Best wishes.
Taylor
by Taylor Larimore
Tue Jun 13, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 14
Views: 1628

Re: Got a Question for the Experts Panel at the Bogleheads Conference?

Mel:

This is a question for each member of the Panel:

"What is the single most important financial advice you would give to a new investor?"

Best wishes.
Taylor
by Taylor Larimore
Tue Jun 13, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 61
Views: 6770

Re: Trust Fund Hell

Pacific: Thank you for your post regarding the danger of trust fund investment managers. In 1990 I brought suit against the largest bank in Miami for mishandling the investments of my grandmother's trust fund. This is a portion of the suit: "During the period of time (17 years) that the trust f...
by Taylor Larimore
Tue Jun 13, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: new investor getting diversified
Replies: 3
Views: 264

Five asset classes or more?

:beer My fidelity account Industrials 44% Consumer Cyclical -5% Technology -14% Financial Services -10% Energy -5% Jezo: Welcome to the Bogleheads Forum! Why limit yourself to just five asset-classes? You can enjoy the diversification of nearly all asset classes in a target fund or The Three-Fund P...
by Taylor Larimore
Tue Jun 13, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: question about allocation - taxable vs. 401k
Replies: 7
Views: 593

Fund Placement

EPdoc: This is a simple rule for fund placement taken from my Three-Fund Portfolio post Fund Placement For Maximum Tax-Efficiency : Place Total Bond Market in tax-advantaged account(s). If full, use a tax-exempt bond fund in a taxable account. Place Total Stock Market and Total International Stock M...
by Taylor Larimore
Mon Jun 12, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11844

Re: Bogle Doubles Down on US Index Funds

Bogleheads: Last year a made a post suggesting that a 20% allocation in International stocks for U.S. investors was reasonable. I feel the same today. This is what I wrote: Bogleheads: Our Boglehead "Search" engine reports 22,400 results for the question: "How much international stock...
by Taylor Larimore
Mon Jun 12, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 3634

Staying turned

Taylor, stay tuned :happy

bossballer:

I will.

Best wishes.
Taylor
by Taylor Larimore
Mon Jun 12, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with asset allocation - TIPS and Corporate bonds]
Replies: 3
Views: 358

Need more information

TxInjun:

In order to give you an informative reply, it will be helpful if you will follow the format in this link:

ASKING PORTFOLIO QUESTIONS.

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Jun 12, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Starting a Three-Fund Portfolio - which funds?
Replies: 27
Views: 3634

Transferring from Edward Jones to Vanguard

I just initiated a transfer of my Roth IRA from Edward Jones to Vanguard.

bossballer41:

I would be interested in learning how the transfer goes. Come back to this thread to share your experience.

Thank you and best wishes.
Taylor
by Taylor Larimore
Sun Jun 11, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: What are some good index funds to purchase for a 31YO?
Replies: 3
Views: 548

Adding more funds?

Newbie question here so don't bash on me. I'm 31YO. I have a vanguard Roth IRA and a 403B plan which both have target retirement lifecycle funds( 2055 and 2050). My question is, as a passive investor, should I continue contributing funds into these two accounts or should I look into buying other in...
by Taylor Larimore
Sun Jun 11, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Add TIPS and High Yield Corporate Bonds To Your Portfolio?
Replies: 16
Views: 1392

Re: Add TIPS and High Yield Corporate Bonds To Your Portfolio?

I often see posts about tilting as well as slicing and dicing albeit on the stock side of your portfolio. Yet what about adding extension funds to the bond portion? TIPS and High Yield Corporate Bonds are not in the Total Bond Fund. Rick Ferri's portfolio does a 60/20/20 split between Vanguard Tota...
by Taylor Larimore
Sun Jun 11, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11844

Jack Bogle on International

Generally there are only 2 reasons anyone ever gives for why you shouldn't diversify globally. Bligh: Many Bogleheads do not understand the many reasons why Mr. Bogle is not a fan of international funds. It is not simple, but in his great book, "Common Sense on Mutual Funds ," Jack devote...
by Taylor Larimore
Sun Jun 11, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Member Seeking Critique of Retirement Portfolio
Replies: 6
Views: 628

Re: New Member Seeking Critique of Retirement Portfolio

Bruce: Welcome to the Bogleheads Forum! I will give you my thoughts in blue: I stumbled upon the Bogleheads investing philosophy as I was exploring moving our retirement assets to Vanguard. As I was looking to simplify our life and reduce expenses, the more I read, the more I liked the approach. So,...
by Taylor Larimore
Wed Jun 07, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones, American Funds, Fiduciary Rule changes
Replies: 23
Views: 1523

Re: Edward Jones, American Funds, Fiduciary Rule changes

goingup wrote:^ I have wondered why EJ doesn't offer to transition its American Funds holders into the new share class.

goingup:

My guess is that American Funds will no long pay Edward Jones to sell their mutual funds. This article explains: Edward Jones Really Likes Those Fees.

Best wishes.
Taylor

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