Search found 126 matches

by GLState
Tue May 15, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3920

Re: Three fund portfolio performance

One (or two) year(s) is not enough time to evaluate a portfolio. Vanguard Advisors will provide you with a good portfolio as will a three fund, four fund, Target Date fund, Life Strategy, etc. Trying to pick "the best" based on 1 year's data will start you down the path of buying past year's "winner...
by GLState
Tue May 15, 2018 7:01 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 48
Views: 2427

Re: How did you fall in love with investing?

I've never been "in love" with investing. I find the financial world interesting. You're in the puppy love stage. Investing is new and everything has gone right so far. You have to get to the point where you take investing for better, for worse, for richer, for poorer, in sickness and in health, til...
by GLState
Sun May 13, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 3920

Re: Three fund portfolio performance

The OP would also have to consider their investment schedule. Before the runup of the past few days, it would be possible to show a portfolio loss if contributions were small for 2016 and 2017 in comparison to the 2018 contribution. But, if the OP invested a lump sum in May 2016 or an equal investme...
by GLState
Sat May 12, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1699

Re: Just started a summer job. Should i start using them for their 401k?

I did see something under "eligibility" i didnt quite understand and this is it "To be eligible to receive a company match, you must be employed with Darden for one year (and have worked 1,000 hours)." does this mean to even do the 401k i need to be there a year? The "eligibility" note means you wo...
by GLState
Sun Mar 18, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar Performance Data
Replies: 8
Views: 740

Re: Morningstar Performance Data

You're selecting funds based on past performance. When we buy a fund or stock, we are buying future performance, not the past. The SEC warns us that "past performance does not necessarily predict future results". https://www.sec.gov/fast-answers/answersmperfhtm.html Morningstar has found that expens...
by GLState
Sat Mar 17, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Helping 20yr old son set up Roth
Replies: 27
Views: 2127

Re: Helping 20yr old son set up Roth

The suggestions are "hands off" funds, but, be warned... they may not perform "how he wants them to". These funds will go up and down as the markets they track go up and down. Get the Roth IRA opened. You can put the money in a money market fund within the Roth until you have a chance to learn what ...
by GLState
Tue Mar 13, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Selling American Funds? (help, please)
Replies: 13
Views: 1236

Re: Selling American Funds? (help, please)

You can see the long term capital gains that BALFX has paid out on this Morningstar page (near the bottom left). http://www.morningstar.com/funds/XNAS/BALFX/quote.html Vanguard's Balanced Index hasn't paid out any long term capital gains in that period. As others have said it is hard to make suggest...
by GLState
Tue Mar 13, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Selling American Funds? (help, please)
Replies: 13
Views: 1236

Re: Selling American Funds? (help, please)

The admiral share class of the Vanguard Balanced Index fund (VBIAX, 0.07% ER) would be a better choice than the Investor class (VBINX, 0.19%ER), You'd qualify for admiral shares with $10,000 investment. Your American Funds Balanced Fund has done well for you. I would prefer the lower expenses of the...
by GLState
Tue Mar 13, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Investor vs Admiral Shares
Replies: 14
Views: 1779

Re: Investor vs Admiral Shares

Is there any reason to buy investor shares when the ETF has the same expense ratio as the Admiral plus no minimum other than the price of a whole share? This morning I could put in an order for $3000 of Vanguard S&P 500 (VFINX). If I bought the EFT (VOO) this morning, with $3000, I could only buy $...
by GLState
Sun Mar 11, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Investing spreadsheet or software?
Replies: 17
Views: 1595

Re: Investing spreadsheet or software?

If you're happy with your decades old Quicken, why not reinstall on your new computer. You have so many don't-want requirements that it'll be hard to find an alternative. Moneydance seems to be a popular Quicken replacement. http://moneydance.com/ Some use the sunset version of Microsoft Money. http...
by GLState
Tue Mar 06, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: 14yr old son wants to invest
Replies: 20
Views: 1547

Re: 14yr old son wants to invest

Vanguard's Target Retirement 2060 fund would be a good choice for a long-term investment. It is 90% stock and 10% bond. The whole $1000 could be invested. But, a 14 year old is not going to find a Target "Retirement" fund very interesting. A Total Market or S&P 500 ETF would also be good choices for...
by GLState
Thu Feb 08, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3925

Re: Why does my wife have this portfolio?

Look at this from her point of view. You have a few men (they call themselves bogleheads :shock: ) on an internet forum that agree with your views. She has an adviser that she know and trusts. Tell her you've seen the light and you're now a boglehead...see how that goes. And ... her portfolio might ...
by GLState
Thu Feb 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1370

Re: Books/articles on life 100-120 years ago?

Google "diaries from 1900s" or whatever years and areas of the US that you find interesting. Also, you might check the National Archives, especially for photos. My local library has microfilmed old newspapers and photos along with a lot misc info. Shorpy.com has quite a few photos from 1900s through...
by GLState
Wed Feb 07, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1340

Re: Total Bond

According to Morningstar, Vanguard's Total Bond Market Index Fund Adm (VBTLX) has a five year total return of 1.83% vs the median return of 1.84% of the Intermediate Term Bond funds on Morningstar's list. Looking at the Morningstar chart, VBTLX sailed through 2008 relatively unscathed compared to ot...
by GLState
Tue Feb 06, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 169
Views: 16666

Re: Torn between Vanguard, Fidelity and Schwab

I've been with Vanguard since 2002 and have had no problems. I had a 401k with Fidelity that I rolled over to Vanguard when I retired. Before 2002, I had an account with Schwab invested in index funds. Around 2002, Schwab began quarterly account fees for smaller accounts (<50k?). I transferred to Va...
by GLState
Mon Feb 05, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15592

Re: Vanguard site is crashed now?

According to MarketWatch, Betterment, Wealthfront, Schwab, TDAmeritrade, and others also had outages today.

https://www.marketwatch.com/story/as-ma ... 2018-02-05
by GLState
Fri Feb 02, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 6331

Re: Relearning Calculus

MIT Open Courseware ... https://ocw.mit.edu/courses/find-by-topic/#cat=mathematics&subcat=calculus EdX has many calculus courses available... From MIT: https://www.edx.org/course/calculus-1a-differentiation-mitx-18-01-1x-0 https://www.edx.org/course/calculus-1b-integration-mitx-18-01-2x-0 https://ww...
by GLState
Thu Feb 01, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6897

Re: Finally going to invest, brother is FA

Active funds don't help in bad markets See the Standard & Poors SPIVA report from 2008. http://www.spindices.com/documents/spiva/spiva-us-year-end-2008.pdf  The belief that bear markets favor active management is a myth. A majority of active funds in eight of the nine domestic equity style boxes we...
by GLState
Sun Jan 28, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 794

Re: Udemy classes recomendations (or YouTube)

The Finance for Everyone: Smart Tools for Decision-Making that you are now taking has a much longer version on Coursera https://www.coursera.org/specializations/valuation-investment. The class on EdX is a free class that the instructor wanted to offer on Coursera but they wouldn't allow it. The Cour...
by GLState
Sun Jan 28, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 794

Re: Udemy classes recomendations (or YouTube)

I would recommend EdX over Coursera or Udemy. Finance for Everyone: Smart Tools for Decision-Making from the University of Michigan on EdX https://www.edx.org/course/finance-everyone-smart-tools-decision-michiganx-fin101x-1 EdX https://www.edx.org/ and Coursera https://www.coursera.org/ have online,...
by GLState
Wed Jan 24, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1848

Re: Board game for 3 year old

My granddaughter (3 years old) likes Sneaky, Snacky Squirrel and The Lady Bug Game.
by GLState
Mon Jan 22, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 3700

Re: Excel for Personal Finance Accounting ?

I know Excel very well, but would not use it for that purpose. To generate enough adequate reports and do what you want would be more work than I would want to do. If you just want to keep a list of expenses, that wouldn't be too bad. Why don't you just use Quicken? The download features stop worki...
by GLState
Fri Jan 19, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Automation of Net Worth Tracking
Replies: 6
Views: 978

Re: Automation of Net Worth Tracking

Many investors had their spreadsheets "break" because of changes in accessing Yahoo data. It is not the first time Yahoo has made changes. Quicken saves a lot of the hassles of maintaining links and data acquisition methods in a spreadsheet. It could be very time-consuming to create your own Quicken.
by GLState
Tue Jan 16, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2121

Re: wild bird feed

Get a squirrel guard so you're not feeding every squirrel and raccoon in the neighborhood...let them eat what falls to the ground. Its best if you don't mix seed. Blue Jays and other birds will kick out millet to get to sunflower seeds. Black oil sunflowers seeds seem to attract a wide variety birds...
by GLState
Sun Jan 14, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Individual stocks in an IRA?
Replies: 9
Views: 628

Re: Individual stocks in an IRA?

Our parents lived in a different investing world than we do now. Even when I began investing 40 years ago, stocks were, to most investors, the only game in town. Mutual funds were little known or talked about. It took my mom many years before she invested in her first mutual fund ... and it was a fu...
by GLState
Thu Jan 11, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4864

Re: Help me stop my addiction to stock market peeping!

I find Warren Buffett's Letters to Berkshire Hathaway Shareholders to be excellent material to relieve the stress of investing. His writings explain why we want to invest in risky assets. If you're interested in markets, spend time learning about them, rather than watching the day-to-day fluctuation...
by GLState
Thu Jan 11, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4864

Re: Help me stop my addiction to stock market peeping!

It is easy to look frequently, especially when the market is going up. Once the market heads down I think it becomes easier not to look so frequently. +1 It's GREAT to look twice daily while the market is going up. Two doses of cheer daily :greedy The time to NOT look is when the market slides down...
by GLState
Tue Jan 02, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 60
Views: 8291

Re: Savings Bond Wizard to be eliminated 5/18

Well this is an unwelcome new year’s gift. Anyone have any recent experience with converting paper bonds to a Treasury Direct account? The horror stories from a few years back made me very lery to take this step with my kids paper bonds.. I converted paper Ibonds to to Treasury Direct a couple of m...
by GLState
Sat Dec 23, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Request: chart showing returns various assets
Replies: 4
Views: 323

Re: Request: chart showing returns various assets

I used the "search" box. Is this what you're looking for?
viewtopic.php?t=130563
by GLState
Wed Dec 20, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Is there a reason to keep a Target Retirement Fund?
Replies: 17
Views: 2092

Re: Is there a reason to keep a Target Retirement Fund?

Also, VTTSX cannot be "maxed." Your account's contribution for the year can be, but not the mutual fund. Could you please expand on what this means please? Thanks They mean that if this were not a Roth or Traditional IRA you could put an unlimited amount of money into the fund annually - thus there...
by GLState
Sun Dec 17, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 19250

Re: Buying Real Silver and Gold (Not Bitcoin)

Years ago, when gold was $280 an ounce, I wanted to buy some bullion but had no idea how to go about doing it. I appreciate the good information in this thread. I do have a question for the more knowledgeable people here. What is the difference between these two items? https://www.jmbullion.com/201...
by GLState
Fri Dec 15, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Active vs. index funds in a recession:
Replies: 11
Views: 1134

Re: Active vs. index funds in a recession:

"The belief that bear markets favor active management is a myth. A majority of active funds in eight of the nine domestic equity style boxes were outperformed by indices in the negative markets of 2008. The bear market of 2000 to 2002 showed similar outcomes." SPIVA report for 2008 http://www.spindi...
by GLState
Thu Dec 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 4622

Re: Almost fell off my chair...

Ever since following the BH way of investing, life has become less stressful. With the "set it and forget it" mentality, I haven't checked my basic VG three fund portfolio in some months. Logged in this morning just to ensure I am hitting my 401k contribution limit with my last check for the year.....
by GLState
Wed Dec 13, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Files Corrupting Often-Anyone else?
Replies: 7
Views: 685

Re: Quicken Files Corrupting Often-Anyone else?

I've been using Quicken since it was a DOS checkbook program without any problems with file corruption. I would agree with the other poster that suggested a hard drive problem. Your hard drive manufacturer should have a program available to check your drive's health.
by GLState
Mon Dec 11, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid question about VTSAX
Replies: 6
Views: 1302

Re: Stupid question about VTSAX

You can see the all of the stocks held by the Vanguard Total Market fund as of 10/31/2017 here:
https://personal.vanguard.com/us/FundsA ... irect=true
by GLState
Sat Dec 02, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any Advantage to Purchasing Funds in Round Lots?
Replies: 9
Views: 711

Re: Any Advantage to Purchasing Funds in Round Lots?

I'm saving up to buy a round lot of Berkshire Hathaway A. The piggy bank is getting heavy.
by GLState
Fri Dec 01, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4702

Re: Is an investment account the best choice for me (new guy)

If you signed up for "paperless", you'll get an email telling you that it is available on the Vanguard site. All statements and transaction information is available on the Vanguard site. You've bought funds, so you should have transaction info available.
by GLState
Fri Dec 01, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 89
Views: 4702

Re: Is an investment account the best choice for me (new guy)

Sometime before the end of the year, many funds will pay out dividends. Your statement will show all the reinvestment details. I reinvest dividends and capital gains.
by GLState
Thu Nov 30, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 2087

Re: Reduce risk tolerance - Vanguard Target Funds

The level of the Dow shouldn't have any bearing on your risk tolerance. For me it does, given my age and the $ amount accumulated in my 401k and being in 2050 fund. Heck, if Dow were to double in next year or two, I might sell-all and get out of the market! If the Dow doubled and you got out of the...
by GLState
Thu Nov 30, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reduce risk tolerance - Vanguard Target Funds
Replies: 43
Views: 2087

Re: Reduce risk tolerance - Vanguard Target Funds

The level of the Dow shouldn't have any bearing on your risk tolerance.
by GLState
Tue Nov 28, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Consumer Confidence Peaks & Market Peaks?
Replies: 2
Views: 383

Re: Consumer Confidence Peaks & Market Peaks?

Consumer Confidence has hit "multi-year" highs numerous times since 2008 without a crash or decline (see St Louis Fed link below). Recently, U of Michigan and the Conference Board indicators have continued to increase, while the Yale measure had a sharp drop. It seems logical that Consumer Confidenc...
by GLState
Sun Nov 26, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Common Sense on Mutual Funds
Replies: 20
Views: 2387

Re: Common Sense on Mutual Funds

A three fund portfolio of US stocks, international stocks, and total bond is one of the most recommended portfolios on the boglehead site which seems to go against Mr. Bogle's view of international equity being unnecessary. Mr. Bogle does unwillingly "agree" to no more than 20% international equity....
by GLState
Mon Nov 20, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Just Moved $1.6MM from 401K to Vanguard IRAs - now what?
Replies: 10
Views: 2136

Re: Just Moved $1.6MM from 401K to Vanguard IRAs - now what?

You're making your portfolio more complex that it needs to be with your "nods to Merriman". What are your reasons to go beyond a Life Strategy fund, a Total World/ Total Bond combo, or a simple three fund portfolio. Why add treasuries and short term bonds if you're going to buy Total Bond. It seems ...
by GLState
Sat Nov 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Anti-Index Fund Arguments - Help staying the course.
Replies: 19
Views: 2763

Re: Anti-Index Fund Arguments - Help staying the course.

Active investing proponents often claim that active will outperform index investing during bad times. Standard & Poors refutes that argument in their 2008 SPIVA Report ( Standard & Poors Index vs Active) The belief that bear markets favor active management is a myth. A majority of active funds in ei...
by GLState
Fri Nov 17, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 6050

Re: Where did you first learn about investing?

My mom was a stock and bond investor, so we always had BusinessWeek, Money, Kiplingers's, Sylvia Porter, Wall Street Journal, and other newspapers and magazines around. She signed my up for USA Today's stock picking contests. Those contests were quite advanced for their day....we had to call in our ...
by GLState
Wed Nov 15, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard portfolio allocation models for various years?
Replies: 3
Views: 664

Re: Vanguard portfolio allocation models for various years?

Have you looked at Simba's Backtesting Spreadsheet https://www.bogleheads.org/forum/viewtopic.php?f=10&t=2520 or Portfolio Visualizer https://www.portfoliovisualizer.com/backtest-portfolio . Either will do what I think you are looking for, but perhaps not as far back as you would like. If you look a...
by GLState
Wed Nov 15, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Shiller is 'concerned' after lowest sentiment data readings in over 16 years
Replies: 8
Views: 2242

Re: Shiller is 'concerned' after lowest sentiment data readings in over 16 years

The Conference Board Consumer Confidence improved to "it's highest level in almost 17 years" in October. https://www.conference-board.org/data/consumerconfidence.cfm The University of Michigan doesn't indicate any drastic changes in consumer sentiment in early November. http://www.sca.isr.umich.edu...