Search found 381 matches

by maj
Sun Nov 19, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and SS Income
Replies: 8
Views: 1062

Re: Asset Allocation and SS Income

Income streams? Based on what assets? SS income stream based on soundness of SS system. Needs to be evaluated on individual basis. I am in my 80's and have decided that SS is sound for my life expectancy. So I 'own' a virtual bond portfolio of $315,000 based on my assumption that the 10 year Treasur...
by maj
Sun Oct 29, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Question: Multi-year investment results by Vanguard
Replies: 11
Views: 882

Re: Question: Multi-year investment results by Vanguard

Thank you for the suggestions re Morningstar.
peace
by maj
Sat Oct 28, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 90
Views: 12246

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

Taylor, what degree of approval do you give to the use of one of the 4 LifeStrategy Funds?

Thanks for all you do for us.

peace


SORRY, I just found a 2013 thread which answers my question.
maj
by maj
Sat Oct 28, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Question: Multi-year investment results by Vanguard
Replies: 11
Views: 882

Question: Multi-year investment results by Vanguard

Does anyone on this board agree with the following suggestion. I have recommended it twice to Vanguard in their email polls; I did not expect a personal reply. Vanguard offers for its funds-etfs total returns up to 10 years. I suggest it would be most helpful to long-term investors if they added 15,...
by maj
Thu Oct 26, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you include the capitalized value of Social Security in your asset allocation?
Replies: 32
Views: 1996

Re: Do you include the capitalized value of Social Security in your asset allocation?

Yes. Absolutely.
I also have a secure defined benefit and capitalize that as well.

peace
by maj
Mon Oct 23, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Is a Total Stock Market Index enough...
Replies: 23
Views: 3542

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

Question.
Does anyone know why Warren Buffet prefers the S&P 500 Index over the Total USA Market Index?

My suspicion is that he prefers proven quality corporations.
Corporations that make it thru the S&P 500 screening process have at least minimum quality standards.

Thoughts, please.

Peace
by maj
Tue Sep 19, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 12266

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

Swedroe assumes that mathematics is the sole dimension of financial life. For him that is likely the case. I do not challenge his mathematical conclusion re income from dividends or sale of shares; however, I do challenge his complete disregard of 'individual differences' (Psy 101). Those who experi...
by maj
Mon Sep 11, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Wellington/Wellesley diversification help
Replies: 18
Views: 2812

Re: Wellington/Wellesley diversification help

This quarter Vanguard will introduce Global Wellington Fund and Global Wellesley Fund.
Why not take a look at these when offered?
peace
by maj
Tue Sep 05, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2304

Re: Book Recommendations: Nutrition / Psychology

Depth Psychology and a New Ethic by Eric Neumann. Paperback, about $20 Early one morning, many years ago. I started reading this thin volume based on Carl Jung's psychology. I could not stop, missed all meals, and finished in the late evening. That was the first of many readings. The book turned my ...
by maj
Thu Aug 10, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3804

Re: Alternatives to the Vanguard Total International Fund?

Read about VIGI (etf) or Vanguard International Dividend Appreciation Fund.
This fund is not a like-to-like comparison with Total International. It is, however, a reasonably prudent approach to international investing.
peace
by maj
Thu Aug 03, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25839

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

tj
I concur.
I hope to see a global dividend appreciation index fund/etf
and a global high dividend yield index fund/etf
peace
by maj
Sat Jul 29, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25839

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Though we are invested 80% in index funds, we do have Wellington and Wellesley in tax-deferred accounts. Wellington management is most careful regarding stock selection in general, and more so with international stocks. I believe the Global versions will be welcomed by folks who want exposure to int...
by maj
Fri May 19, 2017 4:57 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7241

Re: Convince me to get back into stocks!

I hope it does not take you as long as it took me to grasp the implications of Bogle's and Buffet's investment advice. 27 years of age? $50,000.00 to invest in tax-deferred 401k? Use a Target Date Fund with the stock/bond allocation you prefer. If Vanguard Target Date funds are available, you've hit...
by maj
Sat Mar 25, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?
Replies: 14
Views: 1220

Re: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?

For what it is worth, some family and friends who want conservative stock allocations split their investable monies 50-50 between
Wellesley and LifeStrategy Conservative growth--a good way to diversify both bonds and stocks. Both funds are approximately 40% stocks and 60% bonds.
peace
by maj
Fri Mar 17, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 37
Views: 5735

Re: 3 fund portfolio vs. all-in-one fund

Likely nothing will be a perfect solution. For simplicity: Vanguard Total World Stock Fund for stocks. Vanguard Tax Free Intermediate Term Bond Fund for bonds. Begin with whatever allocation you can tolerate, for example, 75% stock fund, 25% bond fund, and add investments in a way that keeps your pr...
by maj
Wed Feb 15, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: VYM vs. VTV ... Looking for a Large Cap Value ETF
Replies: 6
Views: 867

Re: VYM vs. VTV ... Looking for a Large Cap Value ETF

VYM has a different process than simple indexing by capitalization. Prior to indexing by capitalization, the management several steps to seek higher yielding securities, eliminates certain types of securities, etc. The process is clearly described in the full prospectus available online. In my opini...
by maj
Fri Jan 27, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns is Signing Off -- He'll be missed
Replies: 25
Views: 6841

Re: Scott Burns is Signing Off -- He'll be missed

Absolute integrity.
Been reading and following his advice for decades.
Scott, thanks for your guidance.
peace
by maj
Thu Jan 26, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy 80%
Replies: 16
Views: 3437

Re: Vanguard Life Strategy 80%

bigred77

I agree that 5% is realistic for a 10-20 years holding period for the unique allocations in VLSGX .

maj
by maj
Thu Jan 26, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend yields higher in VPU (Utilities ETF) than in VYM (High Dividend Yield) ETF
Replies: 9
Views: 1179

Re: Dividend yields higher in VPU (Utilities ETF) than in VYM (High Dividend Yield) ETF

maj back for a comment.
You mention your preference for income stocks and regret the reduced income if you invest internationally.

You might look at two new dividend funds offered by Vanguard last year
International High Dividend Yield ETF (VHYI)
International Dividend Appreciation ETF (VIGI)

peace
by maj
Thu Jan 26, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy 80%
Replies: 16
Views: 3437

Re: Vanguard Life Strategy 80%

I bought LS Growth 80-20 when it opened over 20 years ago. It has been a remarkable investment strategy over two decades, with Vanguard management slowly improving the fund until it is now 100% index funds and has become a global index fund with a 20% safety value in quality bonds, which permits the...
by maj
Wed Jan 25, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend yields higher in VPU (Utilities ETF) than in VYM (High Dividend Yield) ETF
Replies: 9
Views: 1179

Re: Dividend yields higher in VPU (Utilities ETF) than in VYM (High Dividend Yield) ETF

I do not see what allocation between stocks and bonds you have chosen. This is a primary issue in itself, and even more so if you intend to increase investments in the utilities ETF since utilities are primarily an income investment vehicle. You seem to be a sector investor, which certainly leaves r...
by maj
Wed Jan 04, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Best index fund that covers global stocks? [Euro investor]
Replies: 16
Views: 1940

Re: Best index fund that covers global stocks?

Vanguard LifeStrategy Growth Fund is a low cost way to own both total stock market funds with a 20% commitment to bonds as risk reducer.
peace
by maj
Sun Oct 23, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy 60% - could they move away from Index Funds
Replies: 16
Views: 2645

Re: Life Strategy 60% - could they move away from Index Funds

LS funds were offered a little over 20 years ago. I invested then in the LS Growth (80% equity-20% bonds), with a bit of hesitation because I wanted a 100% indexed portfolio. However, the trend at Vanguard toward 100% (or close to it) indexing for some of their balanced funds was beginning to be obv...
by maj
Thu Aug 18, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I hire a wealth management company to manage my money?
Replies: 16
Views: 2394

Re: Should I hire a wealth management company to manage my money?

If you know who you are if you are not greedy if you do not think you are smarter than all other investors if you want tax advantage if you balanced allocation if you want modest investment expenses if you want peace of mind then consider Vanguard Tax Managed Balanced Fund 50% blue chip stocks 50% q...
by maj
Sun Jul 03, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Another year where Vanguard Total Stock dividends aren't 100% qualified?
Replies: 19
Views: 4014

Re: Another year where Vanguard Total Stock dividends aren't 100% qualified?

I may be incorrect about this, but I think Vanguard Total Stock Market Fund uses the income from non-qualified dividends (REITS, etc.) to pay management expenses and this lessens the percent of non-qualified dividends it distributes.

peace
by maj
Wed Jun 29, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 25
Views: 5638

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate

For 50 years duration (hopefully), I suggest the LifeStrategy Growth Fund. It's fixed allocations are 80% global total stock market, and 20% global total bond market. It is somewhat more conservative than the Total World Stock Index Fund which is 100% global stocks. Since it will be in a tax-deferre...
by maj
Thu Jun 23, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Balance Index Fund?
Replies: 2
Views: 564

Re: Balance Index Fund?

Vanguard also offers 4 fixed asset global balanced index funds titled LifeStrategy funds, which vary in equity exposure. Also the Target Retirement Date funds are nearly 100% indexed and gradually become more conservative as years pass. And there is a balanced fund for those wants 50% stocks and 50%...
by maj
Thu Jun 23, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Funds - Really any good?
Replies: 33
Views: 3984

Re: Target Retirement Funds - Really any good?

The .15 expense ratio is the pro-rated cost of the underlying funds. Vanguard does not add an additional fee to manage the TR funds. This is also why Vanguard uses Investor class funds for the underlying funds. If Vanguard used Admiral shares for the underlying funds it would likely need to add a ma...
by maj
Thu Jun 23, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Funds - Really any good?
Replies: 33
Views: 3984

Re: Target Retirement Funds - Really any good?

You have just presented the major problem with an excellent investment plan--it is boring.
Be grateful you ended up with this problem.
by maj
Tue Jun 21, 2016 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 5232

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

Derivative, It is possible that you are an investor who may be more comfortable with insured CD's and eventually annuities from a Triple A insurance company. In fact, you have made an excellent choice for a lifelong investment, certainly one of the best available to ordinary investors such as we are...
by maj
Mon Jun 20, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Distributing about 10k into the following dividend-focused stock portfolio. Thoughts?
Replies: 8
Views: 1142

Re: Distributing about 10k into the following dividend-focused stock portfolio. Thoughts?

Please do additional research.
Read about Vanguard's 4 dividend focused funds:

High Div Yield Fund/etf
Div Appreciation Fund/etf

International High Div Yield Fund etf
International Div Appreciation Fund/etd

peace
by maj
Thu Jun 02, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: Dividends Useless?
Replies: 154
Views: 10101

Re: Dividends Useless?

The anti-dividend thing is becoming a dogma.
Receiving a dividend is no better or worse than selling shares for income. (However, the bookkeeping is less complicated with dividends.)

Why does this investor's choice continue to stir opposition? What am I missing?
by maj
Tue May 24, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: All weather portfolio vs 3 fund portfolio
Replies: 5
Views: 1624

Re: All weather portfolio vs 3 fund portfolio

The 3 fund--total stock and total bond markets--portfolio has been suggested. At Vanguard, it is probably the cheapest global portfolio available. It is a prudent, diversified, buy and hold portfolio for a young person and will keep you out of a lot of trouble over your life time. It will require th...
by maj
Sat May 14, 2016 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 15
Views: 3693

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

Own both Dividend Appreciation and High Dividend Yield since day they were offered.
Excellent results in current and growing dividends, also decent capital growth though that is NOT my primary objective.
peace
by maj
Sat May 14, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Selecting international markets
Replies: 5
Views: 344

Re: Selecting international markets

Vanguard recently opened two international dividend funds. Since you seem to be quite cautious about international investing, you might want to look at Vanguard International Dividend Appreciation Fund/ETF. The quality screening for the stocks it holds are quite severe beginning with the requirement...
by maj
Mon May 02, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Buffett goes after fees pushes index funds (again)
Replies: 37
Views: 6090

Re: Buffett goes after fees pushes index funds (again)

Other opinion. Half our assets are in invested in Vanguard total market stock and bond funds for global exposure, i.e., the LifeStrategy Growth Fund. I use LS Growth fund because I may be wrong about the following opinion: I prefer the S&P 500 Index, or the Vanguard Large Cap Index (about 600 la...
by maj
Fri Apr 29, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Question: Mega Cap or S&P 500?
Replies: 8
Views: 1251

Re: Question: Mega Cap or S&P 500?

Thanks to all. This brief exchange has been very helpful to me.
peace
by maj
Thu Apr 28, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Question: Mega Cap or S&P 500?
Replies: 8
Views: 1251

Re: Question: Mega Cap or S&P 500?

lack_ey
Thanks
You have confirmed my thoughts on the differences between the two, which are so alike.
by maj
Thu Apr 28, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Question: Mega Cap or S&P 500?
Replies: 8
Views: 1251

Re: Question: Mega Cap or S&P 500?

Andy, the Mega Cap index of about 300 largest stocks by capitalization is offered only as an ETF with no counterpart index fund as Large Cap does. In considering returns over past 5 years, there is little difference between Mega Cap and S&P 500. I just wonder if the (very) modest screening for i...
by maj
Thu Apr 28, 2016 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Question: Mega Cap or S&P 500?
Replies: 8
Views: 1251

Question: Mega Cap or S&P 500?

Question:
If you were seeking only exposure to large-mega cap USA stocks, would you use Vanguard Mega Cap Index ETF or Vanguard S&P 500 Index, and why?
thanks
peace
by maj
Wed Apr 27, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: High Yield Dividend funds
Replies: 9
Views: 1648

Re: High Yield Dividend funds

To 'going up'
Why do you compare 10 year results of High Div Yield with TSM, if one is looking for higher current income?
peace
by maj
Tue Apr 12, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 2821

Re: what is the draw of active management?

If an investor is able to expose the Big Lie and all the terrible consequences that it produces, then he/she will be a successful investor.
The Big Lie?
"Beat the market!"

peace
by maj
Wed Apr 06, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 5184

Re: Mr. Bogle and Global Corruption Crackdown

If you want to invest internationally with a bit more security, you might look into the new Vanguard International Dividend Appreciation Fund/ETF. It screens for highest quality companies with at least 7 consecutive years of dividend increases. Its current portfolio has only about 200 stocks which m...
by maj
Sun Mar 20, 2016 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternatives?
Replies: 39
Views: 5663

Re: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternative

People I know who want emphasis on "safer" allocations have chosen to divide their investments equally between Wellesley and LifeStrategy Conservative Growth. Each fund keeps about 60% in quality bonds; the combination provides good exposure to both corporate and to government backed bonds...
by maj
Thu Mar 17, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 5171

Re: Age 29; stay in smaller house or buy a bigger house?

for what its worth, you can only be in one room at a time try to recall the hundreds of thousands who citizens who lost their homes in 2008-2010 great recession "too big to fail" folks consider the rest of us as "too little to save." also kids learn to share more readily when cra...
by maj
Sat Mar 05, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor says "Blackrock is just plain better than Vanguard"...
Replies: 76
Views: 16283

Re: Advisor says "Blackrock is just plain better than Vanguard"...

Beware of commission-based vendors whether buying stocks or cars or homes.
I am tempted to include preachers.....
by maj
Sat Mar 05, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Pessimist trying to get into Stock Investing
Replies: 35
Views: 3511

Re: Pessimist trying to get into Stock Investing

Why not respect both sides of your thinking? You are a pessimist re stocks, so keep a low amount in equities. You are now wondering if your pessimism is hurting your investment success. So why not open a balanced fund account such as LifeStrategy Conservative Growth Fund which is 60% bonds and 40% s...
by maj
Sat Mar 05, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor says "Blackrock is just plain better than Vanguard"...
Replies: 76
Views: 16283

Re: Advisor says "Blackrock is just plain better than Vanguard"...

Follow your gut reaction since you know the Vanguard mission and know what you are talking about.
peace
by maj
Sun Feb 07, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard International High Yield Fund
Replies: 8
Views: 968

Re: Vanguard International High Yield Fund

announced in September
to be available in December
and nary an update for customers who are waiting