Search found 13728 matches

by YDNAL
Sat May 19, 2007 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Late accumulation stage strategy
Replies: 9
Views: 2984

JDeeds, I recently posted a thread with the subject Anti-Diehard? but with a different angle than yours. My angle deals with the "noise" that's out there and how to deal with it from a 55 yo's perspective (even considering changing the AA to be more conservative). I'm 8 years from retirement coincid...
by YDNAL
Fri May 18, 2007 2:15 pm
Forum: Investing - Theory, News & General
Topic: Anti-Diehard?
Replies: 44
Views: 18953

There is a good bit of noise here. For instance, I just learned here that Greenspan is predicting a recession and some are considering selling all there stock before its too late. I don't plan to act on that so its might as well be noise to me. Tadamsmar, Greenspan's warnings, made via a satellite ...
by YDNAL
Fri May 18, 2007 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: What's Wrong With a 100% Stock Investment?
Replies: 118
Views: 55460

Junger, You are very young (younger than my youngest kid) and your savings rate in the next few years will eclipse anything we talk about today. Having said that, how about learning about Bonds and how they work, learn (and practice) rebalancing, go through your first bear market and learn to deal w...
by YDNAL
Fri May 18, 2007 10:41 am
Forum: Investing - Theory, News & General
Topic: M* Stars in Your Portfolio
Replies: 18
Views: 6484

GMTRET,

Yes, I have a place 1 1/2 hours from Atlanta in Cherokee County, NC. It's awesome to go up and get disconnected from the rat race.

YDNAL
by YDNAL
Fri May 18, 2007 9:00 am
Forum: Investing - Theory, News & General
Topic: Anti-Diehard?
Replies: 44
Views: 18953

Tadamsmar, Great point!...... Indeed, you would have to ignore ALL news to avoid the noise. You really don't have to seek it to hear it. When folks like Greenspan talk about recession, it's difficult to be immune to react to this type of noise. :cry: By react I don't mean going from 60/40 to 0/100. ...
by YDNAL
Fri May 18, 2007 8:28 am
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

Managed Funds - How do investors still justify using them?

Stating that one can construct a low-cost portfolio of index funds that could have performed comparably doesn't detract from the fact that Wellington is a fine fund. Yes, a fine fund in existence since 7/1/1929. Elizabeth's (the original poster in case folks forgot) question is... how investors sti...
by YDNAL
Fri May 18, 2007 2:57 am
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

Since Wellington vs. Balanced Index is not the best comparison because Wellington is "valuey" (a bunch of &%#@), let's take VIVAX+VFICX vs. VWELX. For the past 10-years since 1998 , VWELX's $10,000 = $25,488.69 60% VIVAX + 40% VFICX's $10,000 = $22,240.26 VIVAX's (by itself) $10,000 = $24,596.18 The...
by YDNAL
Thu May 17, 2007 5:29 pm
Forum: Investing - Theory, News & General
Topic: Anti-Diehard?
Replies: 44
Views: 18953

Orion,

You have a terrific way to look at it.

YDNAL
by YDNAL
Thu May 17, 2007 4:01 pm
Forum: Investing - Theory, News & General
Topic: Anti-Diehard?
Replies: 44
Views: 18953

Thanks Guys,

For all the words to encourage a fellow Diehard that's a little nervous and Larry's suggestion to tune-out the "noise".

Orion, perhaps you've been through a 1987 or 2002-like scenario, if not, I hope you come out feeling as you do today.

YDNAL
by YDNAL
Thu May 17, 2007 3:15 pm
Forum: Investing - Theory, News & General
Topic: Anti-Diehard?
Replies: 44
Views: 18953

Anti-Diehard?

Hi all,

At 55 yo, I should be roughly 45/55 Stocks/Bonds, or something to that effect.

However, all the "noise" about stock valuations, recession, fuel prices, sub-prime, etc. scares me to death to drop 22.5% :shock: of my portfolio and staying the course?

How do you do it, Diehards?

YDNAL
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by YDNAL
Thu May 17, 2007 2:03 pm
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

FWIW, I own both indexed and managed funds.

Elizabeth's post asked "how do investors still justify using managed funds"?

My response to Elizabeth was to look at Wellington vs. Balanced Index. This comparison could explain.... why?

YDNAL
by YDNAL
Thu May 17, 2007 1:14 pm
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

Malachi, Your argument is not quite acceptable. Comparing the Equities, VIVAX VWELX VBINX 54-29-01 42-36-18 25-27-21 10-05-01 03-01-01 06-07-06 00-00-00 00-00-00 03-03-03 1) VWELX and VBINX are more "blended" in large caps than VIVAX. 2) VIVAX has absolutely no large-growth and a heck of a lot more ...
by YDNAL
Thu May 17, 2007 12:56 pm
Forum: Investing - Theory, News & General
Topic: M* Stars in Your Portfolio
Replies: 18
Views: 6484

We went to our cabin in North Carolina and you wouldn't believe how much the sky was filled with stars! :wink:
by YDNAL
Thu May 17, 2007 12:37 pm
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

Malachi, NO...... I meant what I wrote, and that is VBINX (Balanced Index Fund). In other words, apples to apples. Many folks tend to over-complicate matters with comparisons, Beta, Alpha, Deviations, etc. If you like balanced funds and they fit your AA, then put forth your best argument against the...
by YDNAL
Thu May 17, 2007 12:27 pm
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

Vortex,

10-years is not quite "lately". How about 20-years or 30-years?

YDNAL
by YDNAL
Thu May 17, 2007 12:02 pm
Forum: Investing - Theory, News & General
Topic: Managed Funds - How do investors still justify using them?
Replies: 51
Views: 24038

Elizabeth, I love Wellington. Please go to Vanguard.com and pull the 10-year performance of $10K from 1998 to today (includes 2002-03, obviously) and you'll see that VWELX grew to $25,488.69 and VBINX to $21,536.50. Please ask the financial experts above to explain the above results in a sensible an...
by YDNAL
Mon May 07, 2007 3:13 pm
Forum: Investing - Theory, News & General
Topic: What is your fall-back strategy?
Replies: 17
Views: 5564

Great idea to incorporate the fall-back plan in the IPS.

Taylor, how did you get DW to sit with you and review the quarterly statement for the first time? Many of us would love to be that successful.

Best,
YDNAL
by YDNAL
Sun May 06, 2007 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Back again :-)
Replies: 4
Views: 1892

SCAllen,

Perhaps you'll get more responses in the Fidelity forum.... sorry, can't help.

YDNAL
by YDNAL
Sun May 06, 2007 6:47 am
Forum: Investing - Theory, News & General
Topic: Comparing Wellington Fund to bond and a stock fund
Replies: 3
Views: 1956

Reply #1 is right on with regards to performance, but remember "past performance...." Having said that, I've chosen VWELX for my LC Value + Bond portion of my AA, given its 1997-2007 performance vs. VWFNX (LC Managed) and VIVAX (LC Index), most important for me is the 2002 dip. Regardless, in 10 yea...
by YDNAL
Sat May 05, 2007 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!
Replies: 4
Views: 1334

HELP!

Thanks for the responses, although they don't really answer the question in the OP. When comparing multiple (and different) funds, a Balanced Fund like Wellington is increasingly difficult to match to 100% Large Value Funds. I was interested in others' position in looking into this type of situation...
by YDNAL
Sat May 05, 2007 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!
Replies: 4
Views: 1334

HELP!

I've had no responses, perhaps because my question is not clear.

How would the expert Bogleheads compare the 3 funds in my original post?
1) LC Value Index
2) LC Value + Bonds (Balanced)
3) LC Value (Managed)

Thanks,
YDNAL
by YDNAL
Sat May 05, 2007 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!
Replies: 4
Views: 1334

HELP!

I hope some of the bright minds in this forum can help out a newbie. I went to the Vanguard site and ran the performance chart for Wellington (VWELX) and it shows $10K growing from 1997 to today to $25.5K. I then added Value Index (VIVAX) and Windsor II (VWNFX) to the chart and the growth was $24.6K...
by YDNAL
Sat Apr 14, 2007 12:42 am
Forum: Investing - Theory, News & General
Topic: Stats from Heebner article on RE decline
Replies: 4
Views: 1816

Stats from Heebner article on RE decline

I saw this thread on the sister forum today and one set of facts jumped out at me. Heebner speculates that the sub-prime and alternate loan crisis could lead to a decline in home prices of upto 20% in home markets. The article states that this would bring home prices to a level last seen in (get th...
by YDNAL
Fri Apr 13, 2007 10:27 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore
Replies: 2
Views: 1884

Taylor Larimore

Taylor, I'm a newbie Diehard and only started my "road to Dublin" with Vanguard in June 2006. I posted my first message on April 10, 2007. However, I felt the need to post with regards to your update on the other board, post #37157, reply #37. My dad also developed vocal cord cancer in the 1980's an...
by YDNAL
Tue Apr 10, 2007 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401 CHOICE = BAD?
Replies: 8
Views: 2357

401K = Bad?

Cost matters, but a lot of times you just have to deal with the options available to you. If 1.22% is all you pay, it's not that bad in the 401k world, where a bad plan reaches 2% or even 3%, with no match. 2% or 3% and no match would be outrageous and may actually mitigate tax-deferral benefits. W...
by YDNAL
Tue Apr 10, 2007 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401 CHOICE = BAD?
Replies: 8
Views: 2357

Thank you Mel (I really enjoyed the Bogleheads Guide) and BrianTH. Yes, my 401K plan closed VFINX and it's a shame because there's absolutely nothing else that comes close. Bond funds with ER = 0.70, Balance funds with ER = 0.99. But the TR funds would fit my current goal of a very simple AA and I w...
by YDNAL
Tue Apr 10, 2007 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401 CHOICE = BAD?
Replies: 8
Views: 2357

Thank you, zhiwiller, and also livesoft (I don't mind the quick answer). Yes, there's a 50% match (up to 3%) and I contribute the max $15,500. My concern is mostly the "cost matter, cost matter" position of many Diehards. So, my question was mostly to get a feel for the 1.22%+ for a TR fund. I'm try...
by YDNAL
Tue Apr 10, 2007 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: 401 CHOICE = BAD?
Replies: 8
Views: 2357

401 CHOICE = BAD?

Hi Bogleheads, First time poster, long-time lurker. I transfered my Smith Barney IRA to Vanguard in June 2006. Been reading, lurking, learning. Not ready with final AA but would like feedback on something that's been bugging me. My current 401K Plan is not very good, limited choices, high ERs, etc. ...