Search found 135 matches

by Newboglehead
Thu Jan 29, 2009 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Balanced Portfolio Of VTSMX & VBMFX Down 16% In '08
Replies: 12
Views: 2271

Re: Balanced Portfolio Of VTSMX & VBMFX Down 16% In '08

YDNAL wrote:
Newboglehead wrote:I came across this tidbit of information, that a simple portfolio comprised half of VTSMX and half VBMFX was down just 16% in '08.
New,

What's the most important asset allocation decision?
Time horizon? Risk tolerance?
by Newboglehead
Wed Jan 28, 2009 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced Portfolio Of VTSMX & VBMFX Down 16% In '08
Replies: 12
Views: 2271

No surprise. If you look at the statistic when the market takes off and gains 30% a year, this portfolio will severely lag the market. It's funny how people (not you, Newbogleheads, just in general) fall in love with bonds during bear markets and fall in love with stocks during bull markets. I hope...
by Newboglehead
Wed Jan 28, 2009 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced Portfolio Of VTSMX & VBMFX Down 16% In '08
Replies: 12
Views: 2271

Balanced Portfolio Of VTSMX & VBMFX Down 16% In '08

I came across this tidbit of information, that a simple portfolio comprised half of VTSMX and half VBMFX was down just 16% in '08. This performance outdoes the majority of hedge funds that averaged -18% in '08 and it edges out most balanced funds and the model portfolios of some very prominent inves...
by Newboglehead
Tue Jan 27, 2009 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Obamas Own Wellington & Wellesley
Replies: 27
Views: 7545

Mel Lindauer wrote:
VictoriaF wrote:This makes the Obamas eligible to attend the Bogleheads reunion. :idea:

Will the Secret Service count towards the 150-person capacity? :?:

:)
Yup, they sure will!
It's good to know that I can still call myself a Boglehead, or Newboglehead, despite owning a managed fund in Wellington :)
by Newboglehead
Mon Jan 26, 2009 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Obamas Own Wellington & Wellesley
Replies: 27
Views: 7545

Obamas Own Wellington & Wellesley

Forgive me if this article has already been posted as it's a bit dated, but, I was interested to learn that the Wellington & Wellesley funds are, or, at least were, core holdings.
http://articles.moneycentral.msn.com/In ... estor.aspx
by Newboglehead
Sun Jan 25, 2009 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market Index Vs. PIMCO Total Return
Replies: 6
Views: 3048

Total Bond Market Index Vs. PIMCO Total Return

I'm considering various fixed income possibilities and, as a Vanguard client, have been looking at the VG Total Bond Market Index fund as an all-around core bond fund. A friend has money invested in the PIMCO Total Return bond fund and speaks highly of it (Well-run, strong trackrecord, low fees), an...
by Newboglehead
Fri Jan 23, 2009 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investing In Bonds During Very Low Interest Rates
Replies: 8
Views: 2630

Investing In Bonds During Very Low Interest Rates

Given interest rates are at record low rates and bond prices go down when interest rates go up, how does one invest in bonds now if there is nowhere for interest rates to go but up?
by Newboglehead
Fri Jan 09, 2009 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Just a rant in favor of cash
Replies: 20
Views: 4650

I know a couple who retired with a very nice nestegg that was accumulated by ONLY investing in cds. Given the long stretches of time, lasting 15 years or longer, in which the stock market has remained flat, I'm beginning to appreciate the positive aspects of fixed income/cash.
by Newboglehead
Fri Jan 02, 2009 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts On VG GNMA Fund Vs. Total Bond Market Index
Replies: 4
Views: 1726

Your Thoughts On VG GNMA Fund Vs. Total Bond Market Index

Hi, I received a relatively small amount of money and would like to use it to shore up my fixed income holdings. I have most of my money in Wellington, which, I recognize has a healthy amount of bonds, but, at the age of 50, I feel more comfortable being in bonds than equities for the time being. I'...
by Newboglehead
Sat Dec 27, 2008 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: NY Times On Bonds
Replies: 4
Views: 1824

NY Times On Bonds

VG Total Bond Index receives high marks...

http://www.nytimes.com/2008/12/27/your- ... money.html
by Newboglehead
Fri Dec 05, 2008 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley vs Wellington :The winner is..
Replies: 17
Views: 8906

I just transferred my IRA funds from another fund family into VWELX and, though I wish it was up, it's outperforming at least a couple other well-regarded balanced funds in Fidelity Balanced and, especially, Dodge & Cox Balanced. The latter is down YTD by a whopping 37% and DODBX has always been con...
by Newboglehead
Thu Nov 27, 2008 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Best Bets
Replies: 5
Views: 2545

Vanguard Best Bets

I found this article useful, particularly the glowing words for the Wellington Fund, my core investment fund...

http://articles.moneycentral.msn.com/In ... spx?page=1
by Newboglehead
Thu Nov 27, 2008 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Why Wellington AND Wellesley Together?
Replies: 7
Views: 2586

Why Wellington AND Wellesley Together?

I've come across a number of articles and posts here involving investing in both VG Wellington and Wellesley together and wonder why they are so compatible? Seems Wellington and Wellesley would combine to have a disproportionate amount in bonds. Would it not make sense to just buy a bond fund? Thanks.
by Newboglehead
Sun Oct 19, 2008 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Newbie asks Financial adviser about index funds
Replies: 74
Views: 15144

Read the book, "Unconventional Success," by David Swenson, one of the great investors of our time. He provides a scathing indictment of the mutual fund industry, in general, although he's a big proponent of indexing. One point he makes that really did it for me was that mutual fund managers, for the...
by Newboglehead
Tue Oct 14, 2008 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Finally, I'm A Boglehead
Replies: 1
Views: 1075

Finally, I'm A Boglehead

Just shifted my roll-over IRA from Fidelity to Vanguard, moving out of my holding in Fidelity's balanced fund into Wellington, and have the Admiral shares, to boot. I gave Fidelity the chance to put me into Wellington Admiral shares, but, they are restricted to do so, so I moved my whole IRA to Vang...
by Newboglehead
Sun Sep 28, 2008 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Questions On GNMA Fund
Replies: 2
Views: 1056

Questions On GNMA Fund

Would appreciate your thoughts on the upsides and downsides of GNMA funds, such as those from Vanguard. Currently, I have alot of cash in a couple online savings accounts ,earning between 3 and 4 percent. GNMAs are returning about 3.35 percent. Should I consider moving some cash into GNMAs? Thanks, ...
by Newboglehead
Wed Sep 03, 2008 10:01 am
Forum: Investing - Help with Personal Investments
Topic: WaMu Online Savings Acct: 3.75% APY
Replies: 1
Views: 960

WaMu Online Savings Acct: 3.75% APY

Perhaps it's was a blessing that the Capital One/Costco online savings acct application was way too complicated and time consuming for me because I just learned about WaMu's offer of 3.75% APY for an online savings account, the same rate from Cap One, which seems like a superior option. While Cap On...
by Newboglehead
Mon Aug 25, 2008 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: total stock market index + all-world ex-US = sufficient?
Replies: 26
Views: 5285

This may be a bit naive, but why would someone with $70M in investable assets be asking a public forum for advice on what they should do with their money? $5M maybe, but $70M????? That's a good question, and I initially asked myself if it would be ridiculous for me to do so. (Note that I'm not maki...
by Newboglehead
Sat Aug 23, 2008 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Costco Savings Account @ 3.75% Has anyone tried it?
Replies: 10
Views: 3823

Is it one of those promotional rates lasting a couple months to draw in new customers?
by Newboglehead
Sat Aug 23, 2008 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Costco Savings Account @ 3.75% Has anyone tried it?
Replies: 10
Views: 3823

Thanks for posting the info. Just renewed my Costco membership and so I'd be interested in feedback, as well.
by Newboglehead
Thu Aug 21, 2008 8:08 am
Forum: Investing - Help with Personal Investments
Topic: New index investor - Drop a bad loss?
Replies: 12
Views: 2873

CGMFX is a real-life lesson in the dangers of chasing hot funds. I came this close to purchasing shares for my IRA just a few months ago when it was up about 13% YTD but got cold feet. I forgot about it for a few weeks and then checked up on the fund only to see that it completely reversed itself an...
by Newboglehead
Sat Aug 16, 2008 3:14 pm
Forum: Investing - Theory, News & General
Topic: Ben Stein: Buy S&P 500 Index Fund
Replies: 11
Views: 4529

recommended buying an S&P 500 index fund As has been mentioned here numerous times, all S&P 500 funds are not alike. Such as the notorious Morgan Stanley S&P 500 index fund my mother's broker at Morgan Stanley put her in...Until I found out, unfortunately, not fast enough, and got her out of it.
by Newboglehead
Sat Aug 16, 2008 10:00 am
Forum: Investing - Theory, News & General
Topic: Ben Stein: Buy S&P 500 Index Fund
Replies: 11
Views: 4529

Ben Stein: Buy S&P 500 Index Fund

Stein, once again, recommended buying an S&P 500 index fund when asked for his one investment recommendation, on this morning's Neil Cavuto investment program on Fox News. When another member of the panel suggested, instead, that this is the time to buy individual stocks, and that buying stocks will...
by Newboglehead
Wed Aug 13, 2008 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Re: Mortgage Payoff Question

nisiprius wrote:Why doesn't paying off a 7% mortgage qualify as "a dramatically better investment" than earning 3.4%?
Exactly what I'm grappling with. I need to weigh this against the possible need for the $14K. But, this is the crux of the matter.
by Newboglehead
Wed Aug 13, 2008 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Re: Mortgage Payoff Question

How long would it take under your present circumstances to get $14,000.00 investment dollars working for you? Well, currently, I think $14K in my emergency fund is working almostas hard as possible, earning 3.4%. I don't see any dramatically better investments in this climate. Not sure what you mea...
by Newboglehead
Wed Aug 13, 2008 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Re: Mortgage Payoff Question

giacolet wrote:How long would it take under your present circumstances to get $14,000.00 investment dollars working for you?
Well, currently, I think $14K in my emergency fund is working almostas hard as possible, earning 3.4%. I don't see any dramatically better investments in this climate.
by Newboglehead
Wed Aug 13, 2008 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

NBH, is your severance enough to pay off the mortgage? Personally, if I had $125k in emergency savings and had little in the way of monthly obligations I would pay off the mortgage especially if the severance is sufficient to accomplish this, or most of it. The ING at 3.4% is a taxable account? Com...
by Newboglehead
Wed Aug 13, 2008 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Re: payoff mortgage

Hi Newboglehead The forum has had various discussions re this topic, and Emergdoc has cited some links above. I am in the camp of those generally advising not to pay of mortgages early. But to me the more interesting fact is you stating you have $125,000 in emergency funds. If you mean "not in regu...
by Newboglehead
Wed Aug 13, 2008 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Re: payoff mortgage

Hi Newboglehead The forum has had various discussions re this topic, and Emergdoc has cited some links above. I am in the camp of those generally advising not to pay of mortgages early. But to me the more interesting fact is you stating you have $125,000 in emergency funds. If you mean "not in regu...
by Newboglehead
Wed Aug 13, 2008 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Re: Pay Off Mortgage Or Invest?

I recognize this question also merits a discussion with my accountant, but I'd welcome your feedback, too. I have $14,000 remaining on my mortgage and have the cash to pay it off. My instinct is to pay it off given the lack of any advantages for investing the money. I have no other debt. I'm "in-be...
by Newboglehead
Tue Aug 12, 2008 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Thanks, everyone. Helpful, as always.
by Newboglehead
Tue Aug 12, 2008 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Off Mortgage Or Invest?
Replies: 41
Views: 7798

Pay Off Mortgage Or Invest?

I recognize this question also merits a discussion with my accountant, but I'd welcome your feedback, too. I have $14,000 remaining on my mortgage and have the cash to pay it off. My instinct is to pay it off given the lack of any advantages for investing the money. I have no other debt. I'm "in-bet...
by Newboglehead
Tue Aug 12, 2008 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Curious How The Non-Indexing World Handles Taxable Accounts
Replies: 13
Views: 2775

Wagnerjb wrote:...when I see how many investors struggle with the decision on regular vs. muni bonds, I have to acknowledge that many simply don't understand how taxes work.

Best wishes.
Please elaborate or perhaps point me to more information on this issue. Thanks.
by Newboglehead
Tue Aug 12, 2008 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Curious How The Non-Indexing World Handles Taxable Accounts
Replies: 13
Views: 2775

Curious How The Non-Indexing World Handles Taxable Accounts

Given that a relatively small percentage of the investing community invest in index funds, and given that index funds are the best vehicles for taxable accounts, and, finally, given the trillions of dollars invested with the many brokerages, I'm curious if this means the vast majority of investors a...
by Newboglehead
Wed Aug 06, 2008 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Lesson Learned About Chasing Performance
Replies: 1
Views: 1002

Lesson Learned About Chasing Performance

One of the principles of indexing, of course, is to never chase performance, which I've been mindful of, but I have nevertheless been very intrigued by the high-flying CGMFX active fund. CGMFX had been going up, up, up this year and I had been debating putting a small amount of mad money into the fu...
by Newboglehead
Sun Jul 27, 2008 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Between Taxable & Tax-Deferred Accts
Replies: 27
Views: 5451

What tax-efficient bond funds can be included in a taxable acct? How about these? Vanguard Short-Term Tax-Ex (VWSTX) (0.15%) Vanguard Ltd-Term Tax-Ex (VMLTX) (0.15%) Vanguard Interm-Term Tax-Ex (VWITX) (0.15%) Depending on your tax rate, you may have higher after-tax return with taxable bonds. You ...
by Newboglehead
Sun Jul 27, 2008 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Between Taxable & Tax-Deferred Accts
Replies: 27
Views: 5451

What tax-efficient bond funds can be included in a taxable acct?
by Newboglehead
Sat Jul 26, 2008 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Between Taxable & Tax-Deferred Accts
Replies: 27
Views: 5451

I had carefully prepared a point-by-point rebuttal to the arguments raised by Rick and pkcrafter, feeling very smug that it was devasting, I was right as rain on all the specific points, etc. No offense intended, but Mr. Ferri is an acknowledged authority on asset allocation, from authoring best-se...
by Newboglehead
Sat Jul 26, 2008 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Between Taxable & Tax-Deferred Accts
Replies: 27
Views: 5451

This is a classic problem when trying to manage 'across' taxable and non-taxable accounts. In theory, as the academics would write, it is better to have more fixed income in your non-taxable account and more stock in your taxable. This is because at the current time, stock dividends and long-term c...
by Newboglehead
Sat Jul 26, 2008 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Between Taxable & Tax-Deferred Accts
Replies: 27
Views: 5451

Asset Allocation Between Taxable & Tax-Deferred Accts

Given the need to integrate your 401(k), IRA and taxable accounts as one large account, I have a question. Let's assume someone wants to maintain, overall, a 60/40 split between equities and bonds. He wants to put away a fairly sizeable amount of money each year into his taxable acout, around $100,0...
by Newboglehead
Fri Jul 25, 2008 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts On Converting 401(k) From Active To Passive?
Replies: 6
Views: 1718

Thanks for the heads-up. Yes, I am planning on doing a roll-over to an IRA. Although I'm an index convert, Landy, nevertheless, makes the point that I apparently lucked out with a particular active fund in Fidelity Balanced that has performed well even in comparision to a passive portfolio, althoug...
by Newboglehead
Fri Jul 25, 2008 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts On Converting 401(k) From Active To Passive?
Replies: 6
Views: 1718

Hello, Whatever you choose to invest in just know that you don't actually want to liquidate but just do a rollover. If you decide on a fund at Vanguard or at Fidelity or at ?, you just contact them and let them know you want to xfer your old 401k and roll it over into a traditional IRA. If old 401k...
by Newboglehead
Wed Jul 23, 2008 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts On Converting 401(k) From Active To Passive?
Replies: 6
Views: 1718

Your Thoughts On Converting 401(k) From Active To Passive?

Have approx. $500K in my 401(k) which is all in the Fidelity Balanced fund,which I had been using because I'm new to indexing. I've left my company and have the option of rolling the 401(k) into an IRA, which would provide more investment choices. I'm pretty happy with the Fidelity Balanced Fund, wh...
by Newboglehead
Mon Jul 21, 2008 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: So, My Smart Friend Recommended His Financial Advisor...
Replies: 3
Views: 1507

Reminds me of the time my own mother, who had invested with a large brokerage, informed me that her broker put her into the infamous Morgan Stanley S&P 500 index fund, with its expense ratio of around 1.5% and something like a 3% load. Even I knew better and had her get out of that situation.