Search found 22707 matches

by Taylor Larimore
Thu Nov 23, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 32
Views: 1946

Re: Slice and Dice

Earl:

Distinct funds (and individual stocks).

Thank you and have a Happy Thanksgiving.

Taylor
by Taylor Larimore
Wed Nov 22, 2017 9:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 261
Views: 42799

Re: South Florida Local Chapter

Bob:

Welcome to the Bogleheads Forum!

I am looking forward to meeting you.

Best wishes.
Taylor
by Taylor Larimore
Wed Nov 22, 2017 4:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 15
Views: 1302

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Mel (and Bogleheads):

Thank you for posting your beautifully written Thanksgiving Story of our first Boglehead Reunion (now called "Conference") 18 years ago.

Happy Thanksgiving!

Taylor
by Taylor Larimore
Wed Nov 22, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 32
Views: 1946

Re: Slice and Dice

The slicing is less important than the tilts it allows. The research data supports higher expected returns from small and value. My target allocation is: US: Large Cap 20.00% Large Value 10.00% Small Cap 10.00% Small Value 20.00% Real Estate 10.00% Intl: Large Cap 7.50% Large Value 7.50% Small Cap ...
by Taylor Larimore
Wed Nov 22, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 79
Views: 4230

Managing Risk With Factors ?

Dave: Nice post! I am aware of bear markets as much as anyone. I've been through Eleven Bear Markets, losing our home in one of them. It is a mistake to assume that owning different type stock funds is effective for reducing losses in a bear market. The list below shows the 2008 returns of various V...
by Taylor Larimore
Tue Nov 21, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 79
Views: 4230

Re: Larry Swedroe: Managing Risk With Factors

Tim:

I did not intend to take a "cheap shot" at Larry Swedroe.

I will edit my post.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 11:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 79
Views: 4230

Re: Larry Swedroe: Managing Risk With Factors

I’ve come to believe that paying extra for a more efficient portfolio could well be worth it.
Random Walker:

Your quote will make advisors happy.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 49
Views: 8553

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

VictoriaF wrote:
Tue Nov 21, 2017 9:01 pm
I like the picture of retired people in the beginning of the article!

Victoria
Victoria:

They invested in The Three-Fund Portfolio. :happy

Best wishes
Taylor
by Taylor Larimore
Tue Nov 21, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 79
Views: 4230

Re: Larry Swedroe: Managing Risk With Factors

Rick:

Thank you for coming by. Anything you have to say is highly valued on this forum.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: Dropping Term Life Insurance When Hitting Your Number
Replies: 15
Views: 1285

It is foolish to buy insurance you don't need

Greenie wrote:
Tue Nov 21, 2017 2:18 pm
I have the assets to cover my eight year younger wife. -- Thoughts?
Greenie:

Unless you are in bad health, I would be inclined to save the premium and use it for other purposes.

Bottom line: It is usually foolish to buy insurance you don't need.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 43
Views: 2710

Re: GE - a good value?

WhiteMaxima wrote:
Tue Nov 21, 2017 1:22 pm
Index fund is no safer at this level than GE.
WhiteMaxima:

Diversified index funds are MUCH safer than individual stocks.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 32
Views: 1946

Lazy Portfolios

Bogleheads:

It is interesting to read Mr. Ferrill's reasoning for publishing his eight "Lazy Portfolios":

https://www.marketwatch.com/lazyportfolio/howto

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 90
Views: 12294

Together We Will Help the World

Didymograptus and others:

Thank you for pre-ordering "The Bogleheads' Guide to the Three-Fund Portfolio."

All royalties go directly from the publisher to "The John C Bogle Center for Financial Literacy."

Together we will help the world.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 21, 2017 12:01 am
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 49
Views: 8553

"Got $1 million to retire? Here’s how long it will last, by U.S. state"

Bogleheads:

MarketWatch has an interesting article showing how long $1 million will last depending on the state you live in.

At the end of the article is a Retirement Income Calculator.

Got $1 million to retire? Here’s how long it will last, by U.S. state

Best wishes.
Taylor
by Taylor Larimore
Mon Nov 20, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 32
Views: 1946

8 Lazy Portfolios

i have seen members list there portfolios some of there are significantly sliced and diced with 7 8 9 different funds ie small cap value small cap blend etc..my question is how much can that really add to a portfolio over what a 3 fund portfolio. I ask because at some point its just not worth manag...
by Taylor Larimore
Mon Nov 20, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 112
Views: 6331

Re: What are the things you want to do between 55 and 65?

I wanted to retire--and I did in 1981 at age 57. My hobby was sailing so I earned a U.S. Coast Guard captain's license and began taking charter parties to the Bahamas and Florida Keys. I also delivered boats on the U.S. East Coast and Europe. In 1998 I began posting on the Morningstar Diehard Forum...
by Taylor Larimore
Mon Nov 20, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Some questions from a brand-new Boglehead
Replies: 8
Views: 518

"If You Can"

FIREasap100: Thank you for providing fund names. I am pleased to see that you are getting excellent replies. Probably the best advice I can give you is suggest that you read Bill Bernstein's booklet written specifically for Millennials: "If You Can ." It can be read in an hour. This is the link: htt...
by Taylor Larimore
Mon Nov 20, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Some questions from a brand-new Boglehead
Replies: 8
Views: 518

Re: Some questions from a brand-new Boglehead

FIREasap100:

Welcome to the Bogleheads Forum!

It is impossible to memorize the Ticker Symbols. Please, edit your post to include fund names. You will get more helpful replies. Use the little box with a crayon at the top of your post.

Thank you and best wishes.
Taylor
by Taylor Larimore
Mon Nov 20, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 112
Views: 6331

Re: What are the things you want to do between 55 and 65?

I wanted to retire--and I did in 1981 at age 57. My hobby was sailing so I earned a U.S. Coast Guard captain's license and began taking charter parties to the Bahamas and Florida Keys. I also delivered boats on the U.S. East Coast and Europe. In 1998 I began posting on the Morningstar Diehard Forum,...
by Taylor Larimore
Mon Nov 20, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 4844

Jack Bogle -- What others say.

Bogleheads: Jack Bogle is my hero, my friend and my mentor. No one in the mutual fund industry has a greater combination of impeccable character, practical experience, knowledge, inventive genius, wisdom, perseverance, literary ability, kindness, modesty, and desire to help others. This is what othe...
by Taylor Larimore
Mon Nov 20, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs and a Three Fund Portfolio
Replies: 6
Views: 759

Re: TIPs and a Three Fund Portfolio

I don't see TIPs in the three fund portfolio or some of the other "simple" allocation approaches. If true, what is the thinking behind this? Prudence: All of us have temptations to add more securities to our portfolio. There are thousands of mutual funds, of all kinds, vying for our attention. If w...
by Taylor Larimore
Mon Nov 20, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 79
Views: 4230

Factor Investing

Bogleheads: I am not a fan of factor investing primarily because it is usually expensive and based almost entirely on past performance. Jack Bogle: "The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future." Morningstar:"If there's anything in the ...
by Taylor Larimore
Sun Nov 19, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 90
Views: 12294

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Bogleheads:

Wiley has posted a brief description of our third Bogleheads' book.

http://www.wiley.com/WileyCDA/WileyTitl ... 87331.html

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 19, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: Is investing with Vanguard a tragedy of the commons?
Replies: 41
Views: 4583

Re: Is investing with Vanguard a tragedy of the commons?

selters:

Thank you for your reply.

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 19, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 3586

"Enough" by Jack Bogle

Net Asset (include primary residence ) : 1 to 1.2 million excluding primary residence it is ~ 800 k in mid 30s. Came from very poor family, my dad's paycheck was about $125 in 2003-2004 ( yes you are reading it right). Now it looks like I have made a good progress, but still not happy with my progr...
by Taylor Larimore
Sun Nov 19, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Is investing with Vanguard a tragedy of the commons?
Replies: 41
Views: 4583

Re: Is investing with Vanguard a tragedy of the commons?

Selters: You wrote: Except for Vanguard FTSE All-World ex-US Small-Cap ETF (VSS), which there is no low cost option for, I don't use any Vanguard funds or ETFs. Why? Is it because you are Norwegian? Is it because of "Tragedy of the Commons?" What companies do you use? Your many posts have been very ...
by Taylor Larimore
Sat Nov 18, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 22
Views: 1432

Re: Investment Portfolio Tracking & Spreadsheets

Bogleheads - I am curious how many of us keep track of our investment portfolios with spreadsheets, Quicken, or some other package in an effort to review and analyze everything. If you monitor investments, do you also track College 529 plans, Liabilities and Debt? Any information and perspective is...
by Taylor Larimore
Sat Nov 18, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds vs Ladder
Replies: 26
Views: 1802

Stay the Course

I have my retirement funds spread among 3 funds: Total stocks US, Intl stocks and a US bond fund. I am a 63 yr old man and have an allocation of 60% in Stocks and 40% in Bonds. Jeresoph: You have an excellent Three-Fund Portfolio . The enemy of a good plan is the dream of a perfect plan. -- Jack Bo...
by Taylor Larimore
Fri Nov 17, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services/Portfolio Review
Replies: 45
Views: 3276

A very good portfolio

rivercityrivercity: Welcome to the Bogleheads Forum! Based on the information in your post, I think your Vanguard advisor has suggested a very good portfolio. Personally I would hold just one bond fund (Total Bond Market) which already holds short and intermediate-term good quality bonds), but that'...
by Taylor Larimore
Fri Nov 17, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?
Replies: 9
Views: 1206

Re: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?

Hi this is my first post on the forum. I have been a reader for the past year or so. I am curious to those who have actually had a 3 or 4 fund portfolio the past 10 - 15 years through the ups and downs. Can you provide any commentary as to your actual experience holding this portfolio. I see a lot ...
by Taylor Larimore
Thu Nov 16, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 12
Views: 637

"Unsure"

southlandgirl: Welcome to the Bogleheads Forum! I'll try to answer: "Desired Asset allocation: unsure" This may be your most important portfolio decision because it determines your expected return and expected risk. Use this Vanguard Questionnaire for help: https://personal.vanguard.com/us/FundsInvQ...
by Taylor Larimore
Thu Nov 16, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help for semi retired friend with 8 figure savings
Replies: 68
Views: 5119

Re: Help for semi retired friend with 8 figure savings

The bigger question is what allocation between US, International, bonds?
This post may be helpful for deciding your international allocation:

How Much International Stock? A suggestion

Best wishes.
Taylor
by Taylor Larimore
Thu Nov 16, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help for semi retired friend with 8 figure savings
Replies: 68
Views: 5119

Re: Help for semi retired friend with 8 figure savings

3 Fund Portfolio Works for $3,000 or $30,000,000. It would also free up some more time to enjoy having $30 million dollars. :wink: bloom2708: This is a link to The Three-Fund Portfolio. I have written a Boglehead book about the many advantages (20) of The Three-Fund Portfolio. Wiley & Sons is expec...
by Taylor Larimore
Wed Nov 15, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2315

Re: Do you subscribe to taking risk only on the equity side

I am curious, as Larry Swedroe and others have said to take your risk on the equity side. It would seem to me that there are legitimate opportunities in preferred stocks and convertible bonds that lie somewhere between bonds and stocks to add some return without the same risk levels of equities. Do...
by Taylor Larimore
Wed Nov 15, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Battle of index funds- 3 against 1
Replies: 14
Views: 1892

Is TSM a bet on Large Cap Blend?

I have no problem with 100% TSM, but it is a "bet" of sorts on LCB as it will do what SP500 or DJ does. staythecourse: The investment industry would like us to believe that Total Stock Market Index Fund (TSM) is a "bet of sorts" on Large Cap Blend (LCB) stocks so they can sell us additional funds. ...
by Taylor Larimore
Wed Nov 15, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard portfolio allocation models for various years?
Replies: 3
Views: 491

What Experts Say About "Past Performance."

I like the Vanguard portfolio allocation model https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations but wondering if the same report can be run for maybe the past 50 years or 30 years. Has anyone come across a model like this with editable years? TheQuestionGuy: Th...
by Taylor Larimore
Wed Nov 15, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1697

Re: Looking for a Catamaran

I am kind of new to boating and am thinking of getting a catamaran because motor boats are too expensive on gas and sail boats are fun but I prefer a more stable boat with larger cabin underneath and wide berth. Any experience by any of my fellow Boggleheads with Catamaran's and can any of you sugg...
by Taylor Larimore
Wed Nov 15, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Battle of index funds- 3 against 1
Replies: 14
Views: 1892

Two minds. Same conclusion.

17% vs 13% over 18 year is pretty large difference. Based on this, I will just buy one single fund: the Vanguard Total Stock Market and forget about it.
WhiteMaxima:

I arrived at the same conclusion for a U.S. stock fund.

Best wishes.
Taylor
by Taylor Larimore
Tue Nov 14, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion of Total Stock Market Index
Replies: 21
Views: 2302

The Three-Fund Portfolio

Just switched my taxable account for Vanguard from the Target Retirement 2040 to Vanguard Total Stock Market Index. Investing for the long haul and even though it's 100% stocks I feel as if I can ride the waves of the market. I am curious from Bogleheads who are experienced their opinion of this fu...
by Taylor Larimore
Tue Nov 14, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 81
Views: 11154

Re: Jim Cramer doesn’t beat the market

When the tide turns from passive investing, I would not be surprised to see Ramen beat the market by a large amount. Right now it is hard for anyone actively picking stocks. Lindawilliams1960: You have revised a year-old thread. Two questions: 1. What makes you think that the tide will turn from pa...
by Taylor Larimore
Tue Nov 14, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3061
Views: 903204

"The Wizard of Lies"

Bogleheads: Last evening Taffy and I watched "The Wizard of Lies" about the Bernie Madoff Ponzi Scheme. We found it very interesting. The acting by Robert DiNero and Michelle Pfeiffer is supurb. However, we were both offended by the gutter language. Overall, I am glad we watched it for a better unde...
by Taylor Larimore
Tue Nov 14, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Battle of index funds- 3 against 1
Replies: 14
Views: 1892

Re: Battle of index funds- 3 against 1

gtt561: The linked article, Three Against One: A Battle of Index Funds, picks an 18-year period beginning in 1999 . It shows that Vanguard Mid-Cap and Small-Cap Funds beat the Vanguard S&P 500 Index Fund. I saved a similar chart for the 15-year period ending in 1999. It shows that large-cap stocks (...
by Taylor Larimore
Mon Nov 13, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7718

"You, sir, are an inspiration"

RetiredWithDementia:

"Swimmer" said it better than I can: "You, sir, are an inspiration."

Thank you and best wishes
Taylor
by Taylor Larimore
Sun Nov 12, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6172

Re: Should you own only non-U.S. stocks?

Today’s diversified portfolio does not invest in US equities at all.
Bogleheads:

A good example of an "oxymoron."

Best wishes.
Taylor
by Taylor Larimore
Sun Nov 12, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start investing?
Replies: 15
Views: 856

"If You Can -- How Millennials Can Get Rich Slowly"

cam240: Sandtrap has given you some wonderful links. I would be wealthy if I had read them in my 20s. Boglehead author and advisor, Dr. Bill Bernstein, has written a booklet for Millennials which is as good as anything I have read. He recommends The Three-Fund Portfolio as does Lafder. This is a lin...
by Taylor Larimore
Sun Nov 12, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Am I loopy for thinking about doing this? [Change stock allocation]
Replies: 10
Views: 1399

The #1 Consideration

Gsnod:

Without more information, I am reluctant to respond to your question. However, I will remind you of one fact:

When approaching retirement (and in retirement) the #1 consideration is: Don't risk loosing what you are going to need.

Best wishes.
Taylor
by Taylor Larimore
Sat Nov 11, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6781

"Our life is frittered away by detail. Simplify, simplify"

Bogleheads: Henry David Thoreau changed my life when I read his book, "Walden." This line says it all: "Our life is frittered away by detail. Simplify, simplify." Jack Bogle is another man who changed my life with the same financial theme. Read my link below. Thank you, Jack! Best wishes. Taylor
by Taylor Larimore
Sat Nov 11, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: David Blanchett: Liability Driven Investing Misapplied
Replies: 16
Views: 1242

Re: David Blanchett: Liability Driven Investing Misapplied

I am impressed that someone could read this 34-page article, digest it, find the sales pitch that I couldn't find, and post on it 18 minutes after the original post. DaufuskieNate: Thank you for the compliment. :happy David Blanchett, who co-wrote the article, is head of Morningstar Investment Mana...
by Taylor Larimore
Fri Nov 10, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: The Next Bear Market, Ben Carlson
Replies: 13
Views: 2077

Ben Carlson --Gems

Jcraz13:

Thank you for the link to another fine Ben Carlson article.

Mr. Carlson's book, A Wealth of Common Sense, is one of the best in my Investment Gems.

Best wishes.
Taylor