Search found 21809 matches

by Taylor Larimore
Wed Mar 29, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?
Replies: 6
Views: 293

Re: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?

Mike: I also like "the Paul Merriman philosophy of taking your risk in equities, and keeping bonds as safe store of value." The difference of a small percentage of individual bond funds is almost meaningless when bonds are only 10% of a portfolio. Simplicity is more important. I would cons...
by Taylor Larimore
Wed Mar 29, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 44
Views: 2629

Re: Stay the course, always?

Where is Taylor? This thread is like a fat slow pitch across the center of the plate. avalpert: You are right. Having started to invest in 1950 when the S&P 500 stocks were under 20 --and the index is now over 2,300 (not including dividends), I've learned how important it is to STAY-THE-COURSE....
by Taylor Larimore
Tue Mar 28, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Active versus Passive
Replies: 2
Views: 314

Re: Active versus Passive? -- No Contest

Fellow Bogleheads Check this out: this is an annual report, produced by Morningstar, showing the overall performance of active versus passive funds against their respective benchmarks. I guess it says what we all already know and believe, but for me it's really striking just how "true" it...
by Taylor Larimore
Tue Mar 28, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 16
Views: 3449

"Asking Portfolio Questions"

confusedinvestor:

Sorry, I am not an advisor. I don't know all the answers. Please direct your questions to the forum--not me.

Many heads are better than one.

You will get better replies if you follow this forum guideline:

ASKING PORTFOLIO QUESTIONS

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Mar 27, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 3935

Re: Toyota vs. Honda?

For about 5 years now, we have owned only Honda and/or Toyota. Our previous cars were a 2011 Ford Fusion and a 2008 Ford Explorer. I loved those rides, but I think we will stick with Toyota and/or Honda from here on out. As a matter of fact, I told my wife that if I hit the lottery, I'd want a Land...
by Taylor Larimore
Mon Mar 27, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Achieving the desired duration
Replies: 3
Views: 245

Re: Achieving the desired duration

Hi all. I want to achieve a blended duration of two years by mixing the Vanguard NY Long Term Tax Exempt Fund (current duration: 6.7 years) and the Vanguard NY Tax Exempt Money Market Fund. However, my math skills are sorely lacking and I don't want to make a mistake. Can anyone tell me what the pr...
by Taylor Larimore
Mon Mar 27, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 18
Views: 1232

Re: Merriman Expense Ratios: .65% and .58% too high?

Funny you mention VTIAX. I am sad about its terrible performance. MikeT Morningstar analysts give VTIAX (Vanguard Total International Stock Index Fund) its highest GOLD rating: http://performance.morningstar.com/fund/performance-return.action?t=VTIAX&region=usa&culture=en_US Best wishes. Ta...
by Taylor Larimore
Mon Mar 27, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 16
Views: 3449

Effective Solution?

confused investor:
Is Target-year-glides an 'effecitve' solution to this vs complex excels ?

I think so.

Best wishes.
Taylor
by Taylor Larimore
Sun Mar 26, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 16
Views: 3449

Re: Three-Fund Portfolio Uses Customized Allocations

Dear Talyor, I'm a robot, so, my Risk score, my 'emotions/behaviour' , my 'Investor Questionnaire' responses is different for my goals, timelines, needs and $ (my $ vs wife's $) eg: - I'm Conservative (30:70) with my room-remodel money for next 5 yrs - Yet, I'm super Conservative (15:70) with my ro...
by Taylor Larimore
Sun Mar 26, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why is 3 Fund Portfolio Failing consistently for me ?
Replies: 16
Views: 3449

Three-Fund Portfolio Uses Customized Allocations

Per Wiki, 3 Fund Taylor's portfolio is 33% US vs 33% int vs 33% Fixed which is 50% Int equities in total Stock Allocation. confusedinvestor: My recommended Three-Fund Portfolio does NOT have 33% fixed allocations. The allocation of each fund depends on what is the most appropriate allocation for ea...
by Taylor Larimore
Sun Mar 26, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Life Strategy in Roth
Replies: 6
Views: 1123

A very good choice

Hello, I have bought the Life Strategy fund and hoping for the best long term! Anyway, I will be transferring funds from the settlement account(Money Market Account) to the Life Strategy fund. However, it is giving me the option to reinvest dividends and capital gains to: Money Market account OR Li...
by Taylor Larimore
Sun Mar 26, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 18
Views: 1232

Re: Merriman Expense Ratios: .65% and .58% too high?

RZV's stocks overall are way smaller in market cap and much deeper in value than VBR. Be careful what you wish for. Fund... 10-Year Return .... After-Tax ... Morningstar Risk RZV............6.29%...........5.88%..........High VTSMX........7.68%...........7.23%.........Average RZV = Guggenheim S&...
by Taylor Larimore
Sat Mar 25, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help on Asset Allocation
Replies: 12
Views: 736

Re: Help on Asset Allocation

"my TRIA 142,000"

You may want to edit your post by using the little crayon in the box in the upper right corner of your post.

Taylor
by Taylor Larimore
Sat Mar 25, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest a Bit of a Windfall
Replies: 10
Views: 982

Re: Where to Invest a Bit of a Windfall

about 18% cash, 39% total bond, 43% stocks (Mostly total stock market index. Cash includes a huge chunk of bonds (count as cash). WolfgangPauli: It appears to me that you have a suitable portfolio containing mostly Total Bond Market and Total Stock Market. I would resist the temptation to complicat...
by Taylor Larimore
Sat Mar 25, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 18
Views: 1232

Re: Merriman Expense Ratios: .65% and .58% too high?

Merriman Expense Ratios: .65% and .58% too high?

Mike:

High expense ratios usually result in lower returns:

8 Lazy Portfolios

Best wishes
Taylor
by Taylor Larimore
Sat Mar 25, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: "Designing Your "Glide Path"
Replies: 25
Views: 2931

Re: "Designing Your "Glide Path"

Random Fly:

Consider an appropriate target fund -- then forget about it.

Best wishes.
Taylor
by Taylor Larimore
Fri Mar 24, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 23
Views: 3675

Re: Vanguard Target Date Funds

Taylor, You are on a roll with good posts! The one about the money saved on cars was really interesting, especially all the responses it got! Wow! You hit a real conversation with that one. I would rather have the extra money to invest in the 3 Fund Portfolio and will drive my Honda Civic into the ...
by Taylor Larimore
Fri Mar 24, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: "Designing Your "Glide Path"
Replies: 25
Views: 2931

"Designing Your "Glide Path"

Bogleheads:

Jim Dahle, editor of The White Coat Investor, has written a thought-provoking article about Glide Paths (changing our asset-allocation as we get older).

"Designing Your "Glide Path"

What is your Glide Path? Why?

Thank you and best wishes.
Taylor
by Taylor Larimore
Thu Mar 23, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 23
Views: 3675

Vanguard Target Date Funds

Bogleheads: I am an advocate of simple, sophisticated, low-cost Target Funds for many investors with only tax-advantaged accounts. Russell Kinnel, director of manager research at Morningstar , writes: Target-date funds have produced excellent investor returns in recent years, meaning investors use t...
by Taylor Larimore
Thu Mar 23, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7182

Real Return for U.S. Equities?

I think that people need to give the OP a break with the 7% returns. Forget valuations for a moment and look back at the last 25 years. Valuations have been above average for that entire period, with only a single 'break' of a few months in 2008-2009, and yet real returns for the TSM have been 6.9%...
by Taylor Larimore
Thu Mar 23, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7182

Re: The $1,124,176 Car vs. Sailboat?

Peculiar_Investor wrote:Again, as a BMW owner who has prudently purchased when I could afford to, a very respectful needle back at Taylor. Could you re-run the example comparing buying a sailboat vs. no-sailboat.

Peculiar_Investor:

Touche

Best wishes.
Taylor
by Taylor Larimore
Thu Mar 23, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 16
Views: 548

Re: International Allocation ?

Dinosaur Dad:

Something to consider:

How much international stock? A suggestion

Best wishes.
Taylor
by Taylor Larimore
Wed Mar 22, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7182

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: 102
Views: 4617

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: 99
Views: 7182

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: 102
Views: 4617

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: 40
Views: 5878

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: 3139

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: 1765

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: 18
Views: 1229

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: 18
Views: 1229

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: 31
Views: 5278

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: 1090

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: 5951

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: 2163

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: 18
Views: 1129

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: 6090

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: 1275

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: 45
Views: 4141

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: 1275

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: 357

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: 357

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: 2357

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: 10613

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: 2357

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: 2357

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: 1033

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: 561

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: 2357

"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: 940679

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...

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