Search found 724 matches

by oldzey
Sun Nov 19, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 84
Views: 11262

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

Thank you for the update, Taylor!

I look forward to adding "The Bogleheads' Guide to The Three-Fund Portfolio" to my bookshelf and/or Kindle next year!

Best,
oldzey
by oldzey
Mon Nov 13, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3226

Re: What's your weighted average expense ratio?

0.0425% ER overall across 403b, Roth, and Taxable accounts.
by oldzey
Wed Nov 08, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2545

Re: Investment Books & Your Library

I've given away many books over the years. Kindle helps to control that somewhat.

Here's the current state of my investment/financial library: https://www.dropbox.com/sh/e4bippt9nkka ... gG5Ea?dl=0
by oldzey
Sun Nov 05, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”
Replies: 22
Views: 3115

Re: Paul Merriman on newest edition of “The Little Book of Common Sense Investing”

Snarly, I concur with Paul that you have successfully coined the term, "Arrow Portfolio" - and I do like your interpretation of it! :D My Arrow Portfolio is not quite as aggressive as Mr. Buffett's (I have more feathers), but it's still pretty aggressive for age 50: 80% Vanguard Total Stock Market I...
by oldzey
Sun Nov 05, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4723

Re: "Probably the World's Best Investment Forum"

The Little Forum of Common Sense Investing.
by oldzey
Tue Oct 31, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: 2-fund vs. 3-fund
Replies: 26
Views: 2511

Re: 2-fund vs. 3-fund

2-fund is simple, cheap, and is what I do: 80% VTSAX (0.04% ER) and 20% TIAA Traditional (0.00% ER).
by oldzey
Sun Oct 29, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard all equity portfolio
Replies: 44
Views: 10568

Re: Vanguard all equity portfolio

There's a link for Four Buy-and-Hold Portfolios on Merriman's site: http://www.fundadvice.com/fehtml/bhstrategies/0006a.html Any suggestions for an ideal all equity portfolio @ Vanguard? I have 100K to begin with. Thanks, Vic My suggestion for an ideal all equity portfolio at Vanguard would be only...
by oldzey
Sun Oct 29, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Thaler's Misbehaving: The Making of Behavioral Economics - FREE*
Replies: 10
Views: 672

Re: Thaler's Misbehaving: The Making of Behavioral Economics - FREE

Bud wrote:
Sun Oct 29, 2017 11:43 am
You need to be a prime member to have access to the free download...
Yup, be careful if you're not a prime member and have 1-click ordering turned on (like me).

Should be an interesting read, but I should have read the fine print before clicking. :D
by oldzey
Mon Oct 23, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 1657

Re: Bonds at Age 50?

Age 50 (next month) and I'm 80/20 (per Charles Ellis' recommendation).
by oldzey
Mon Oct 23, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Over 50 catch up-calendar year or birth date?
Replies: 4
Views: 389

Re: Over 50 catch up-calendar year or birth date?

I turn 50 next month and I've been making catchup contributions since January.

Had to call my HR department a few times before they finally got it implemented correctly, though.
by oldzey
Sun Oct 22, 2017 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 2788

Re: Thank you Jack, Taylor and Mel!!

Thank you!

You can "support this site" to show your thanks, too! :D
by oldzey
Sun Oct 22, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 15
Views: 1117

Re: Best way to Improve TIAA 403b R1

I think the OP problem is that his/her institution does not have this particular class of mutual fund. Each institution has set up its own contract with TIAA and likely has a different set of funds available. Agreed - it would be helpful if the OP could post all the available funds and ERs in his/h...
by oldzey
Sat Oct 21, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 15
Views: 1117

Re: Best way to Improve TIAA 403b R1

The TIAA Equity Index Fund is a good substitute for the Vanguard Total Stock Market Index Fund . I use it in my 403b, and I have the Institutional Class ( TIEIX ). Expense Ratios (%) Retail: 0.34 Retirement: 0.30 Premier: 0.20 Advisor: 0.14 Institutional: 0.05 The TIAA Equity Index Fund is usually o...
by oldzey
Sat Oct 21, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 3893

Re: Revised Version The Little Book of Common Sense...

Also received the notice and confirmed that I will wait however long it takes. Any way to get a signed copy? :) Attend Bogleheads 2018. They had copies of the new version for us to purchase this year ($10) and Jack was gracious-enough to sign them. Wow - what a super keepsake from the conference! I...
by oldzey
Sat Oct 21, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Hilarious Q&A with Charlie Munger
Replies: 4
Views: 2323

Re: Hilarious Q&A with Charlie Munger

That See's peanut brittle is some super-addictive stuff. I ordered a 1.5 lb. box and it was gone in about 3 days - yikes! :shock:

http://www.sees.com/peanut-brittle/200370.html
by oldzey
Sat Oct 21, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 4576

Re: TIAA Trouble

I like my TIAA 403b. 1. TIAA Traditional - aka the fixed income / stable value portion of my portfolio. 2. TIEIX - total market U.S. index fund at 0.05% ER. 3. I have no need for a 403b loan: I have an emergency fund. But, our university HR reps always mention those loans whenever I contact them. I ...
by oldzey
Fri Oct 20, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14908

Re: Does anyone here with net worths north of $1 mil use financial advisors?

"Act as if every broker, insurance salesman, mutual fund salesperson, and financial advisor you encounter is a hardened criminal, and stick to low-cost index funds, and you'll do just fine." -- William J. Bernstein, 2014, from If You Can: How Millennials Can Get Rich Slowly
by oldzey
Thu Oct 19, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 26804

Re: Sitting on cash....Waiting for a crash

oldzey wrote:
Mon Mar 20, 2017 2:12 pm
Sitting on cash....Waiting for a crash....

Need some music to set to these lyrics....

Something like:

https://www.youtube.com/watch?v=5cvEVivHVsU
This music would work too (appropriately titled, too): https://www.youtube.com/watch?v=FFDYuO53BUk
by oldzey
Thu Oct 19, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Investment Lessons From The 21st Century"
Replies: 16
Views: 2105

Re: "Investment Lessons From The 21st Century"

I won't live for 214 years, but I like this chart of the 19th, 20th, and 21st centuries for contrast/comparison:

Source (page 6): https://www.cfasociety.org/sandiego/Lin ... 17-CFA.pdf

Image
by oldzey
Tue Oct 17, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 3148

Re: Gold ETF

Investment vs. speculation. Productivity vs. price.

Warren Buffett has a good story about gold: https://www.youtube.com/watch?v=YuJBMVz5DLQ
by oldzey
Mon Oct 16, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3031

Re: 30th Anniversary of October 19, 1987 stock market crash

October 20th must have been a great day to TLH. :twisted:
by oldzey
Sun Oct 15, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, The Only Way To Beat The Stock Market
Replies: 5
Views: 2449

Re: Jack Bogle, The Only Way To Beat The Stock Market

The best part for me was at the 24:09 mark: https://www.youtube.com/watch?v=EC8rWTGZhak#t=24m09s

I'm with Jack - the Total (U.S.) Stock Market Index Fund is the only Vanguard fund I use in my portfolio.
by oldzey
Fri Sep 29, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15317

Re: Why do you LBYM? Why do you save and invest?

oldzey wrote:
Thu Sep 28, 2017 11:58 pm
I sleep well at night knowing that I'm a saver and not a spender.
...and the fear of this happening:

Image

I heard plenty of my relatives' stories about the Great Depression while I was growing up.
by oldzey
Thu Sep 28, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15317

Re: Why do you LBYM? Why do you save and invest?

I sleep well at night knowing that I'm a saver and not a spender.
by oldzey
Sat Sep 16, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: "36 Obvious Investment Truths"
Replies: 18
Views: 2834

Re: "36 Obvious Investment Truths"

Thanks for sharing, Lobster!

I like 16 and 17:
Ben Carlson wrote: 16. If you invest in index funds you cannot outperform the market.

17. If you invest in active funds there’s a high probability you will underperform index funds.
by oldzey
Sun Sep 10, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35553

Re: Can't freeze credit at Experian?

I was able to freeze Experian and Equifax online. I was at the last step of my transaction for TransUnion - entered my CC # and pushed the button. It told me something was wrong and to call their customer service #. So I called the TransUnion customer service #, entered my CC# again, and the automat...
by oldzey
Sun Sep 10, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 29193

Re: Is a security freeze at Innovis really needed?

I froze all 5 (Equifax, Experian, TransUnion, Innovis, & ChexSystems).

:sharebeer
by oldzey
Sat Sep 02, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 281871

Re: What are you up YTD? [Year To Date]

Up 9.70% as of 9/1/17

AA 80% VTSAX & TIEIX: 20% TIAA Traditional
by oldzey
Sat Sep 02, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9385

Re: Do you reinvest your dividends/capital gains?

Here's what I do:

Tax-advantaged (Roth IRA): reinvest dividends/capital gains

Tax-deferred (403b): reinvest dividends/capital gains

Taxable (brokerage): dividends/capital gains sent to checking account
by oldzey
Thu Aug 24, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 4239

Re: John Bogle video (discusses international)

Great video!

Thank you, Jack!
by oldzey
Tue Aug 22, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101681

Re: U.S. stocks in freefall

Serious question: Why is this topic still open? It is open for those who have eyes to see and ears to hear. Know the truth, the truth shall make you free. And the truth is that this could happen tomorrow (making this open topic about U.S. Stocks more popular): https://dl.dropboxusercontent.com/u/56...
by oldzey
Mon Aug 21, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to keep taxable acct solely in VTSAX?
Replies: 20
Views: 3416

Re: Bad to keep taxable acct solely in VTSAX?

I have 100% VTSAX in my taxable brokerage account.
It's done quite well the past few years - much better than a savings account. :sharebeer
by oldzey
Mon Aug 21, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 228
Views: 44686

Re: How much international stock? A suggestion.

0% international works for me!

Thank you, Jack - you were right!

Image

Image

Of course, past performance does not indicate future performance.
by oldzey
Sat Aug 19, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9780

Re: TIAA Traditional Annuity as sole fixed income component

One additional point is that TIAA TRAD has "vintages", which refer to the time periods at which the initial contributions were made to TRAD. The oldest vintages typically have the highest accumulating rate of interest and if annuitized, the highest payout rate during retirement. TIAA adjusts the acc...
by oldzey
Sat Aug 19, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9780

Re: TIAA Traditional Annuity as sole fixed income component

Until TIAA goes bankrupt, or they change their guaranteed rates on TIAA Traditional, I'm not going to chase performance with my fixed income. You also can't annuitize Vanguard's Total Bond Fund, so it's a moot point to me at least (given the aforementioned events do not occur). There's something com...
by oldzey
Sat Aug 19, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 995

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

You're welcome!

I've been content with TIAA TRAD as the sole fixed income component of my portfolio.
by oldzey
Sat Aug 19, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9780

Re: TIAA Traditional Annuity as sole fixed income component

100% of my fixed income is in TIAA TRAD (RA).

I sold the last of my bond funds about a year ago (VTEAX).

I'm content with the fixed income in my portfolio earning a guaranteed 4% (with some liquidity restrictions).

Upon retirement, I do plan to annuitize some of my TRAD.
by oldzey
Sat Aug 19, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 995

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

Here's an interesting article comparing the two financial instruments: https://collegeretirement.blogspot.com/2011/09/is-tiaa-traditional-good-deal.html Cheers, oldzey P.S. Here's the chart from that article: https://4.bp.blogspot.com/-YUe9HRFBo9Q/ToPsROyBLCI/AAAAAAAAAAs/Jqu9XpXua9A/s1600/Capture.JPG