Bogleheads.org

spdoublebass

Bogle himself states that while he advocates for a US portfolio, if an investor already has international in their portfolio at a certain percentage , he adamantly advised that they stay the course with it forever. spdoublebass: I read everything I can by Mr. Bogle and I also knew him personally. I...

spdoublebass

Bogle himself states that while he advocates for a US portfolio, if an investor already has international in their portfolio at a certain percentage , he adamantly advised that they stay the course with it forever. spdoublebass: I read everything I can by Mr. Bogle and I also knew him personally. I...

spdoublebass

Nothing brings out the responses and debate like a good old fashioned domestic v.international debate! Always has. Always will. You sure are right. Look for a thread on this forum that has over 100 posts, and it is likely that it is a debate about domestic vs international. I know alot of people ha...

spdoublebass

In Jan 2027 I will need to have $20K available. While this isn't a huge amount of money for many BH's, it is for me and my family. Looking at current treasury rates: 7 year note = 1.75% 5 year note = 1.75% 1 year bill = 1.595% Is there any advantage to buying a 5 year note over just putting the mone...

spdoublebass

We are considering the one fund version, Vanguard Balanced Index Fund (VBIAX) to simplify. We are both 74, my wife has no interest in investing and no desire to learn, and I want a portfolio she can easily live with if I am not here to manage for her. Your message speaks to me so much. My folks hav...

spdoublebass

As is commonly stated, past performance is no guarantee. Interest rates have been significantly reduced over the last 30 years. Real interest rates (after subtracting inflation) are near zero. While some countries have adopted negative rates, this does not appear to be the policy in the US. Future ...

spdoublebass

Isn't target retirement funds close to this already with Total US Stocks + Total International Stocks + Total US Bonds + Total International Bonds? Yes, they are close. Obviously with less bonds. Also, the bonds are only 30% International, where as in a global portfolio bonds are more 50/50. I was ...

spdoublebass

Just curious who holds Sharpe's portfolio. Meaning market weight global stock and bonds. Which would be around 54% VT (Total World Stock) and 46% BNDW (Total World Bond) (or close to it) If you do hold it, did you have it in the accumulation stage? or did you alter it to hold more stocks and less bo...

spdoublebass

I hold international bonds. Others do as well. I think the argument is more if one NEEDS them or not. I also have wondered what the big deal is. If you chart BND against BNDX, I think it would surprise a lot of people. If BNDX underperformed or something I could better understand the negative commen...

spdoublebass

This thread is interesting. I have a question that I know is just mental accounting, but it still bugs me. I'm going to pick numbers randomly. Say you have $120K in your 401K. You want an 80/20 AA. So you have $24K in bonds the rest is in Stock. However, you have an emergency fund of $20K all inves...

spdoublebass

This thread is interesting. I have a question that I know is just mental accounting, but it still bugs me. I'm going to pick numbers randomly. Say you have $120K in your 401K. You want an 80/20 AA. So you have $24K in bonds the rest is in Stock. However, you have an emergency fund of $20K all invest...

spdoublebass

I just don't get it. It's like some people need everyone to invest like they invest, somehow to validate their own decisions. This is the main issue. I don't have any issue when someone says they are 100% US. I do start to get annoyed when they explain why they do so and it makes no sense. On the o...

spdoublebass

Only TIPS in treasury direct which has guaranteed principle will retain its value. Question.... My understanding is that the principal of Tips purchased through Treasury Direct do not have a guaranteed principal. The principal is adjusted by the CPI index ratio. You are right. https://www.treasuryd...

spdoublebass

Blue456 wrote: ↑Wed Jan 08, 2020 9:12 am Only TIPS in treasury direct which has guaranteed principle will retain its value.

Question....

My understanding is that the principal of Tips purchased through Treasury Direct do not have a guaranteed principal. The principal is adjusted by the CPI index ratio.

spdoublebass

John Bogle was 100% correct here. As an American living in the United States, I only invest in U.S. equities (VFIAX or VTSAX). My investments results have been phenomenal. Thank you very much Mr. Bogle for your guidance! You are confusing outcome with strategy. +1 I am surprised at the lack of dive...

spdoublebass

Only putting this out there for the sake of argument; I know most participants here advocate pure passive-indexing. Is there anything fundamentally "wrong" with holding 60% of your IRA in a classic 3-fund portfolio (Total Stock, Total Int., U.S. Bonds, 34/33/33) and making the other 40% W...

spdoublebass

$3456.78

spdoublebass

The above posts seems similar to the (what I consider odd) belief that the US stock market could flatline for good, while owning ex-US stocks saves the day. To be blunt, that seems detached from the role of the US in the global economy. I agree. I do not quite understand how a 20 or 30% equity allo...

spdoublebass

Does this matter? Investco listings transfer from NYSE to Nasdaq.

https://finance.yahoo.com/news/invesco- ... 00949.html

spdoublebass

I still feel like I may be the poorest person on this forum .... literally! Oh well ..... :beer I know what you mean and sometimes I feel that way as well. I still enjoy this forum very much. What it made me realize is that when I read an article, or something on this forum here, I have to be aware...

spdoublebass

Just my two cents. I doubt student debt will be entirely forgiven. It might happen in some fashion but I don’t think the forgiveness is for situations like yours. $11K in student loans is on the low side nationally. Many schools are over $50K a year, so if you go through 6 years of school and finish...

spdoublebass

My wife and I are both in the 12% bracket. We file separately. We safe 20% of every dollar we make. If you do the math, saving 20% while making $30K a year is your annual Roth IRA contribution. I think many folks make more on bogleheads, but they spend more too. I high saving rate for a low income p...

spdoublebass

Jack Bogle has often said "simplicity is the master key to financial success." I’m slowly but surely spiraling into just Wellesley + Vanguard Prime MM. I've read here where some folks combine Wellesley and Wellington to get to the AA they want(a 2 fund approach in a way). I've taken a sim...

spdoublebass

I’m 36 (wife 43) and have rented my whole life. I believe this question is personal and case specific. It’s like debating an asset allocation. What works for me might not work for someone else. For my wife and I the deciding factors were as follows. How long do we plan on staying in one city. We are...

spdoublebass

In that interview Jack Bogle said to stay the course and buy and hold forever. I wonder how he would feel about a switch after a decade or two in international. Are there any interviews where he addresses an allocation switch like that? I do not think he would advice to sell international, especial...

spdoublebass

Many years ago I moved to a new area and didn't know anyone. I ended up meeting a nice lady who was a manager at a Sunoco gas station. They were were short on cashiers so I said why not. It was actually a fun job. At night, it's pretty dead after you can't buy beer (1am where I was). The problem is ...

spdoublebass

I preface this post that I am a great admirer of Mr. Bogle. I was looking for a different post in which someone posted many Bogle quotes that many of us do not follow. I found this one instead: https://www.bogleheads.org/forum/viewtopic.php?t=204598 I think it pertains to this thread. The issue I ha...

spdoublebass

The Bogle and Warren worship is a bit concerning around here. Throwing away common sense diversification out the window. Look yourself in the mirror and say, "I will stay the course when international outperforms domestic for a long period of time. I'm willing to stay out of international when...

spdoublebass

Abyss, You could have used a target fund or life strategy fund and it would have been just as simple. Looks like you fell into the rabbit hole of recency bias, home bias and investing based on authority. I did exactly what.you just did a few years ago and felt really good about it for awhile. I als...

spdoublebass

abuss, Did you abandon international? I did! I plan to write a more in depth post. Moved to Jack Bogle’s Two Fund Portfolio. Cool! Just as long as you can stay the course if there is a long period of U.S. under performance to international. lostdog - True but in many respects that could be said abo...

spdoublebass

KlangFool wrote: ↑Tue Oct 08, 2019 12:48 pm

Thanks for taking the time to explain this process. I was unclear how this could be applied to lower income people.

spdoublebass

goodenyou, The portfolio size = 8X. X = annual expense. If the stock portion drops 50% and the bond portion stays the same, the portfolio drops from 80%/20% = 40%/20% = 60% of what it was. 60% of 8X = 4.8X Did I make a mistake? KlangFool I think you illustrated a 50% drop in stocks and bonds . The ...

spdoublebass

hoffse, 1) Thank you for giving a complete context for your post. 2) What do you think is the return difference between A) 100/0 B) 80/20 over a long period. Please give a number: 0.5% per year, 1% per year, 2% per year? 3) Your portfolio is at 8 times your annual expense. A) With 100/0, if the sto...

spdoublebass

The only issue is have with this is only you know how well do you know the Art form? I’m a musician. I see instruments all the time that are for sale from people who need the cash for whatever reason. I often pick them up and flip them. BUT, I know what I am buying. I have no fear of not being able ...

spdoublebass

Investing in both Total Bond and Total International Bond provides diversification to thousands of individual bonds. Which is what BNDW does. 14594 bonds total. It’s an ETF of ETFs. Meaning it’s made up of BND and BNDX Another aspect that I like from holding BNDX is that you can use it to rebalance...

spdoublebass

Investing in both Total Bond and Total International Bond provides diversification to thousands of individual bonds. Which is what BNDW does. 14594 bonds total. It’s an ETF of ETFs. Meaning it’s made up of BND and BNDX Another aspect that I like from holding BNDX is that you can use it to rebalance.

spdoublebass

Huge fan of the podcast Mr. Ferri. For me it's the only podcast I can listen to the episodes more than once and still enjoy them. To the other listeners.... When Dr. Bernstein says to go short with bonds, do you think he is talking specifically to people in or approaching retirement? I am 30+ years ...

spdoublebass

Do you mean, say, The Only Guide to a Winning Bond Strategy You'll Ever Need: The Way Smart Money Preserves Wealth Today by Larry Swedroe and Joseph H. Hempden, 2006? Which is on my to-read list, but as yet unread. Since my copy is within hands reach of my computer and is well "dog eared"...

spdoublebass

Texanbybirth wrote: ↑Thu Aug 22, 2019 12:22 pm iShares has them. Look up AOA or AOM, for instance.

These are pretty cool. I wish Vanguard would do something like them. The ER is a little more than I'd like to see, but of course not unreasonable. Just still too high to make me switch.

spdoublebass

Curious how negative interest rates and an inverted yield curve will impact our bond holdings. Many countries have a negative yield curve (i.e. Germany). How will that impact the Total International Bond Index? Or would tat fund be fine as it is hedged to US? This is why I don't include Total Inter...

spdoublebass

I'll Play Along What do think the YTD total return of the US Bond Index fund (VBTLX, FXNAX, AGG, et al.) is? 10% Which has a higher YTD total return: US Bond Index or Total International Stock Index? International Which has a higher YTD total return: US Bond Index or US Small-cap value index? SCV

spdoublebass

abuss368 wrote: ↑Sat Aug 03, 2019 9:30 am Still the way to go over renting.

For you.
What if your Job made you move every other year? or Every year? should you buy a house each year?

Blanket statements get tricky. Everyone needs to read this forum and decide for themselves. There are great threads on the rent vs buy debate.

spdoublebass

I agree with the above posts to split it. That being said do you both have about the same income? Early on my wife and I saved 20% of everything we made. In the beginning we couldn’t always max out our Roth’s. But I put her money in her Roth and my money in my Roth. I’m glad I did it that way. Havin...

spdoublebass

3. Our annual expense at 70K is probably inaccurate. It is based on the cost of living where we currently live in the US, minus the mortgage. Problem is, we know we will not retire where we currently live. I have lived in 3 continents and I visit them every year. My spouse and I are pretty sure we ...

spdoublebass

Hey all, Forgive my ignorance but please answer the following for me. I'm looking at the price of VTIAX and here is what I see: 12/3/2010 $26.12 6/21/2019 $28.29 When looking at the graphics over the last almost decade, there's a few ups and downs, but it doesn't look like the index has really show...

spdoublebass

You can't get 60/40 as an optimum without working very hard at cherry-picking. The pseudo-market portfolio (pseudo-market because stocks and bonds are not traded interchangeably within a frictionless single market), based on relative total cap weight, is about 40/60. Can you clarify what you mean h...

spdoublebass

You can't get 60/40 as an optimum without working very hard at cherry-picking. The pseudo-market portfolio (pseudo-market because stocks and bonds are not traded interchangeably within a frictionless single market), based on relative total cap weight, is about 40/60. Can you clarify what you mean h...

spdoublebass

. . . . . I would not go above 30 percent stocks in retirement unless I had so much money that I could live off bonds for 10 or 15 years. . . . . . . Okay. . . good points. Given, the Bernstein 60/40 vs Ferri 30/70 approaches. . . . . What would your allocation be when entering retirement if you ha...

spdoublebass

What you are doing is along the lines of what Jack Bogle recommended. He believed that the Total Bond Market Index was too heavy with US Government and US Government Agency bonds, these are 70% of the index. He believed that a bond portfolio should contain more corporates. This will boost your yiel...

spdoublebass

What you are doing is along the lines of what Jack Bogle recommended. He believed that the Total Bond Market Index was too heavy with US Government and US Government Agency bonds, these are 70% of the index. He believed that a bond portfolio should contain more corporates. This will boost your yiel...

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