Search found 7315 matches

by Triple digit golfer
Thu May 06, 2021 9:16 pm
Forum: Personal Investments
Topic: Total Market Index vs S&P500??
Replies: 36
Views: 4331

Re: Total Market Index vs S&P500??

It makes little difference. Agree and well said. I have held both at certain times and both work well. Round out with a bond fund and nothing else is needed. Tony Round out the S&P 500 or Total Stock with an international equity fund, add a bond fund if you wish, and nothing else is needed. Van...
by Triple digit golfer
Thu May 06, 2021 8:57 pm
Forum: Personal Investments
Topic: Total Market Index vs S&P500??
Replies: 36
Views: 4331

Re: Total Market Index vs S&P500??

I wonder why almost nobody brings up VTCLX the "Vanguard Tax-Managed Capital Appreciation Fund" It's essentially the Russell 1000, with a slight tilt away from dividends, and has performance on par (maybe even slightly better) than Total Stock or S&P 500 indices. Good point. That is a...
by Triple digit golfer
Thu May 06, 2021 8:07 pm
Forum: Personal Investments
Topic: Total Market Index vs S&P500??
Replies: 36
Views: 4331

Re: Total Market Index vs S&P500??

It makes little difference. Agree and well said. I have held both at certain times and both work well. Round out with a bond fund and nothing else is needed. Tony Round out the S&P 500 or Total Stock with an international equity fund, add a bond fund if you wish, and nothing else is needed. Van...
by Triple digit golfer
Thu May 06, 2021 8:04 pm
Forum: Personal Investments
Topic: 3 Fund Lazy Portfolio ( Newbie Investor)
Replies: 9
Views: 724

Re: 3 Fund Lazy Portfolio ( Newbie Investor)

1. For my Vanguard Roth IRA would it be a better plan to do the 3 fund portfolio VTSAX/VBTLX/VTIAX or keep it as is? If so what percentage should I put in each one? Or should I just do a lifecycle fund? That is your call. Both the Two Fund Portfolio as recommended by Jack Bogle and Warren Buffett, ...
by Triple digit golfer
Thu May 06, 2021 8:00 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

abuss368 wrote: Thu May 06, 2021 7:56 pm Bogleheads -

An excellent site on regarding our mentor Jack Bogle and the Two Fund Portfolio:

https://www.portfolioeinstein.com/john- ... portfolio/

Enjoy.
Tony
Thanks for posting. I especially like #s 1, 5, and 8 as they relate to this thread.
by Triple digit golfer
Thu May 06, 2021 7:54 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

It is most important to select a strategy that one can stay with over the long term. For some, that is the Two Fund Portfolio, others may select the Three Fund Portfolio. A Target or LifeStrategy fund is another option. There are countless ways to Rome. Any of them will be fine. I'd generally agree...
by Triple digit golfer
Thu May 06, 2021 7:35 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

:twisted: The argument that holding 100% of equities in VTSAX is done “in the name of simplicity” is false. Not really! It is most important to select a strategy that one can stay with over the long term. For some, that is the Two Fund Portfolio, others may select the Three Fund Portfolio. A Target...
by Triple digit golfer
Thu May 06, 2021 7:34 pm
Forum: Investing - Theory, News & General
Topic: Why simplicity ?
Replies: 66
Views: 4115

Re: Why simplicity ?

In reality, a 4 or 5 fund portfolio can be rather simple. Simplicity should not be the tail that wags the investment dog. “Everything should be made as simple as possible, but no simpler.” - Albert Einstein Choose your strategy, then do it as simply as possible. But don't give up diversification or ...
by Triple digit golfer
Thu May 06, 2021 7:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

The best part? Both the Two Fund Portfolio and the Three Fund Portfolio will never be below average You've said this a zillion times and I still don't know how to quantify, prove, or disprove it. It's essentially meaningless. Both portfolios are excellent strategies. Neither of which will ever be b...
by Triple digit golfer
Thu May 06, 2021 7:26 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

:twisted: The argument that holding 100% of equities in VTSAX is done “in the name of simplicity” is false. Not really! It is most important to select a strategy that one can stay with over the long term. For some, that is the Two Fund Portfolio, others may select the Three Fund Portfolio. A Target...
by Triple digit golfer
Thu May 06, 2021 5:37 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

abuss368 wrote: Thu May 06, 2021 5:18 pmThe best part? Both the Two Fund Portfolio and the Three Fund Portfolio will never be below average
You've said this a zillion times and I still don't know how to quantify, prove, or disprove it.

It's essentially meaningless.
by Triple digit golfer
Thu May 06, 2021 9:23 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3227
Views: 1999308

Re: The Three-Fund Portfolio

Hello, Have been investing for about 10 months. Age 34. Forgive me for simple questions. Exchanged my TDF 2065 for 3 fund portfolio. 70% VTSAX / 20% VTIAX / 10% VBTLX. All in ROTH IRA and solo 401k. Questions: 1.Saw an earlier post about TDF’s being used in tax deferred accounts and got a bit confu...
by Triple digit golfer
Thu May 06, 2021 4:10 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3227
Views: 1999308

Re: The Three-Fund Portfolio

Hello, Have been investing for about 10 months. Age 34. Forgive me for simple questions. Exchanged my TDF 2065 for 3 fund portfolio. 70% VTSAX / 20% VTIAX / 10% VBTLX. All in ROTH IRA and solo 401k. Questions: 1.Saw an earlier post about TDF’s being used in tax deferred accounts and got a bit confu...
by Triple digit golfer
Wed May 05, 2021 9:21 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3227
Views: 1999308

Re: The Three-Fund Portfolio

Hello, Have been investing for about 10 months. Age 34. Forgive me for simple questions. Exchanged my TDF 2065 for 3 fund portfolio. 70% VTSAX / 20% VTIAX / 10% VBTLX. All in ROTH IRA and solo 401k. Questions: 1.Saw an earlier post about TDF’s being used in tax deferred accounts and got a bit confu...
by Triple digit golfer
Wed May 05, 2021 9:10 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

Reading some of the posts here, the old saying "Misery Loves Company" springs to mind. It's easy to understand why international investors may be angry. I believe the OP is performing a public service by publicizing Mr. Bogle's advice and the portfolio he recommended. The record speaks fo...
by Triple digit golfer
Wed May 05, 2021 1:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1587
Views: 165540

Re: Jack Bogle - Two Fund Portfolio

None of the two funders, to my knowledge, have really answered the very simple question of why exclude international equities? Cost isn't a good reason. It's a few basis points higher. Currency risk isn't a good reason. Actually, it's a very bad reason. Tax inefficiency isn't a good reason. Internat...
by Triple digit golfer
Mon May 03, 2021 4:53 pm
Forum: Personal Investments
Topic: 3 Fund Lazy Portfolio ( Newbie Investor)
Replies: 9
Views: 724

Re: 3 Fund Lazy Portfolio ( Newbie Investor)

First, decide on your asset allocation. I would advise as a default, using world market cap for the stock side, or 60% U.S. and 40% international will get you close enough. The latter is what Vanguard uses in all their target and lifecycle funds and about what most of the big companies use. Decide h...
by Triple digit golfer
Sat May 01, 2021 1:16 pm
Forum: Personal Investments
Topic: Total Market Index vs S&P500??
Replies: 36
Views: 4331

Re: Total Market Index vs S&P500??

The Vanguard Large Cap Index is another contender here. Performs closer to Total Stock than the 500 index has most of the time.
by Triple digit golfer
Sat May 01, 2021 11:14 am
Forum: Personal Investments
Topic: Is it bad to have too much in a emergency fund
Replies: 188
Views: 17280

Re: Is it bad to have too much in a emergency fund

The point of EF is to protect your equities portion of AA from deep cuts. This is why it is important for those running equities-heavy AA. If one's doing 60/40, they don't need EF because if SHTF they just spend down the fixed income side. Again - its up to each investor... I happen to have a 60/40...
by Triple digit golfer
Sat May 01, 2021 11:03 am
Forum: Personal Investments
Topic: Is it bad to have too much in a emergency fund
Replies: 188
Views: 17280

Re: Is it bad to have too much in a emergency fund

It's different for each investor because of psychological make up. Whatever makes you sleep better at night. This is the right answer . At some point, with a large portfolio available (taxable, usually), a separate emergency fund is a bit silly. It's like having a large arsenal of weapons but calli...
by Triple digit golfer
Sat May 01, 2021 10:27 am
Forum: Personal Investments
Topic: Is it bad to have too much in a emergency fund
Replies: 188
Views: 17280

Re: Is it bad to have too much in a emergency fund

It's different for each investor because of psychological make up. Whatever makes you sleep better at night. This is the right answer. At some point, with a large portfolio available (taxable, usually), a separate emergency fund is a bit silly. It's like having a large arsenal of weapons but callin...
by Triple digit golfer
Sat May 01, 2021 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $1.3MM house?
Replies: 79
Views: 8381

Re: Can we afford a $1.3MM house?

How secure is your income? If you both lost your jobs, could you find other jobs paying the same?
by Triple digit golfer
Sat May 01, 2021 6:34 am
Forum: Investing - Theory, News & General
Topic: Crash course
Replies: 22
Views: 1578

Re: Crash course

#2 is the only acceptable answer if you have an asset allocation because if you do #1 or #3, you don't have an asset allocation at all. To implement #2, it doesn't much matter which method you use. You can always direct new money to the lagging asset and then do a buy/sell exchange in order to rebal...
by Triple digit golfer
Fri Apr 30, 2021 8:43 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

If there's one place I don't want people to take my advice, it's international. I want you to think it through for yourself. -Jack Bogle I feel very inspired by Mr. Bogle's advice to think it through for myself. In his advice never was "do exactly as I say and do not own any international equi...
by Triple digit golfer
Fri Apr 30, 2021 8:39 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I, and many others, have made this argument before. It doesn't stick or change anyone's mind. Maybe the lurkers who read this thread are less opinionated on this subject then the active forum members, and might actually be swayed. I'd like to think there are some people out there whose mind is not ...
by Triple digit golfer
Fri Apr 30, 2021 8:34 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I went to Atlantic City! No one knows what will work in the future. Pick what one can stay with and go from there. That is KEY! Tony But you didn't do that. You didn't pick what you can stay with. Are you saying you made a mistake in ever holding international because you couldn't stick with it? Wh...
by Triple digit golfer
Fri Apr 30, 2021 8:31 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Never happened. Compared to the rest of the world, I’m not so sure it ever will. What exactly is as conductive or competitive? And now trade barriers going up. Read in WSJ we have tightened the barriers on Canada even more in last couple of months. When would we read that before? Tony So you held i...
by Triple digit golfer
Fri Apr 30, 2021 5:40 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds
Replies: 36
Views: 5010

Re: Target Date Funds

DB2 wrote: Fri Apr 30, 2021 5:38 pm I think the Vanguard TG funds are awesome.
Agree completely. Cheap, super diversified, and maybe most importantly, remove emotion and decision making.
by Triple digit golfer
Fri Apr 30, 2021 5:38 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Never happened. Compared to the rest of the world, I’m not so sure it ever will. What exactly is as conductive or competitive? And now trade barriers going up. Read in WSJ we have tightened the barriers on Canada even more in last couple of months. When would we read that before? Tony So you held i...
by Triple digit golfer
Fri Apr 30, 2021 5:32 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Can any of the US only folks answer this question seriously? Will you dump the U.S. index if it lags for 10+ years? Never happened. Compared to the rest of the world, I’m not so sure it ever will. What exactly is as conductive or competitive? And now trade barriers going up. Read in WSJ we have tig...
by Triple digit golfer
Fri Apr 30, 2021 5:29 pm
Forum: Personal Investments
Topic: Is it bad to have too much in a emergency fund
Replies: 188
Views: 17280

Re: Is it bad to have too much in a emergency fund

I don’t bother with a separate emergency one. I used to along with many other accounts and spreadsheets. All just for cash. It took time. I learned from my ways. Now we have one simple checking and one simple money market with Vanguard. I no longer have spreadsheets or track anything for many years...
by Triple digit golfer
Fri Apr 30, 2021 5:28 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Can any of the US only folks answer this question seriously? Will you dump the U.S. index if it lags for 10+ years? Never happened. Compared to the rest of the world, I’m not so sure it ever will. What exactly is as conductive or competitive? And now trade barriers going up. Read in WSJ we have tig...
by Triple digit golfer
Fri Apr 30, 2021 8:44 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Don't you guys get tired of this debate? The positions and talking points of each side are already known from the nth times it's already been discussed.... I've yet to see anyone change their minds. For every active anti-diversification partisan there are hundreds of silent lurkers taking it all in...
by Triple digit golfer
Fri Apr 30, 2021 8:20 am
Forum: Personal Investments
Topic: Reasonable asset allocation for 58 year old?
Replies: 16
Views: 1747

Re: Reasonable asset allocation for 58 year old?

No pension, my retirement savings will be my 403(b), Roth and Social Security. My goal is to get to just a bit over 1 million. I am a super saver and save 40% of my salary towards retirement. If your goal is $1 million in 7 years with $800k currently, you need annual returns of barely more than 3% ...
by Triple digit golfer
Fri Apr 30, 2021 8:00 am
Forum: Personal Investments
Topic: Reasonable asset allocation for 58 year old?
Replies: 16
Views: 1747

Re: Reasonable asset allocation for 58 year old?

Opinions can vary, but your AA is reasonable absent other information.

How many years of expenses does it represent?
Will you receive a pension?
Is retirement date flexible?
by Triple digit golfer
Thu Apr 29, 2021 10:07 pm
Forum: Personal Investments
Topic: Total Market Index vs S&P500??
Replies: 36
Views: 4331

Re: Total Market Index vs S&P500??

Probably can do same for fidelity as well, but I do VTSAX(Vanguard total market) as I do not like Tesla, or to be truthful tesla fanboys, so when I looked VTSAX vs VFIAX(SP500), below is what I see invested in Tesla was 1.3% to 1.5%, so went with VTSAX. Did you use VFIAX prior to about six months a...
by Triple digit golfer
Thu Apr 29, 2021 7:47 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I don't see how it's good financial advice to tell people to go against nearly all reputable recommendations and avoid half the world's equity market capitalization because of past performance and because two well respected people said so. Bogle even said he may be wrong on international and wants ...
by Triple digit golfer
Thu Apr 29, 2021 7:02 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Guides - Books
Replies: 32
Views: 1992

Re: The Bogleheads Guides - Books

I've read the first two and found them both very good. However, far and away I think the Investing one is the best and most useful. I consider it a must read for anybody who wants to learn how invest efficiently and effectively.

I have not read the three fund book.
by Triple digit golfer
Thu Apr 29, 2021 5:21 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 747
Views: 40390

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I don't see how it's good financial advice to tell people to go against nearly all reputable recommendations and avoid half the world's equity market capitalization because of past performance and because two well respected people said so. Bogle even said he may be wrong on international and wants i...
by Triple digit golfer
Thu Apr 29, 2021 4:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

I'll bet you a Bogle dollar that it closes below 4200. Closed at 4211. Double or nothing for Friday? Sure - two Bogle dollars that the market finishes below 4200 tomorrow. Fridays lately have been up days, so I am predicting a Friday mean reversion. Too many up Fridays lately. Or the opposite - mom...
by Triple digit golfer
Thu Apr 29, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

4209 right now, no way we're going to miss 4200 today at close. I'll bet you a Bogle dollar that it closes below 4200. Closed at 4211. Double or nothing for Friday? Sure - two Bogle dollars that the market finishes below 4200 tomorrow. Fridays lately have been up days, so I am predicting a Friday m...
by Triple digit golfer
Thu Apr 29, 2021 1:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

Marseille07 wrote: Thu Apr 29, 2021 1:41 pm 4209 right now, no way we're going to miss 4200 today at close.
I'll bet you a Bogle dollar that it closes below 4200.
by Triple digit golfer
Thu Apr 29, 2021 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

As I have been saying on this forum forever, futures tell us nothing about the direction that the actual market will go the next session.
by Triple digit golfer
Wed Apr 28, 2021 3:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

I know this thread is just for fun, but count me in the minority who doesn't give a rip about anything the Fed or anybody else says. It is all just noise in the grand scheme of things. What Powell or anybody else says is not important to me.
by Triple digit golfer
Wed Apr 28, 2021 2:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

Close above 4200 today?? A modest 30% increase and we will hit my year end target of 5400. I think it's very doable. You keep using that word "modest". I do not think it means what you think it means. :) Maybe I need to do some word-smithing like in the FOMC statements. What would be a be...
by Triple digit golfer
Wed Apr 28, 2021 2:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15081
Views: 1162870

Re: U.S. stocks continue to soar!

anoop wrote: Wed Apr 28, 2021 1:42 pm Close above 4200 today??

A modest 30% increase and we will hit my year end target of 5400. I think it's very doable.
Of course it's possible, although I believe highly unlikely. And of course it's also possible that the market will drop 50% and not hit your target for several years thereafter.
by Triple digit golfer
Mon Apr 26, 2021 9:26 pm
Forum: Investing - Theory, News & General
Topic: "John C. Bogle Quotes"
Replies: 12
Views: 1201

Re: "John C. Bogle Quotes"

I like them all, but my favorite is "The stock market is a giant distraction to the business of investing."
by Triple digit golfer
Mon Apr 26, 2021 2:51 pm
Forum: Investing - Theory, News & General
Topic: Tax gain harvesting is counter-intuitive. You should sell highest cost basis shares.
Replies: 20
Views: 2626

Re: Tax gain harvesting is counter-intuitive. You should sell highest cost basis shares.

In the future when you need to withdraw money, you'll be able to withdraw more with example #2 with less taxes. Ultimately, when you withdraw the full amount, your cost basis is $360,000 in either example. Isn't this just another way to defer taxes? I'm also getting tripped up because in Scenario #...
by Triple digit golfer
Sun Apr 25, 2021 6:01 pm
Forum: Personal Consumer Issues
Topic: When to change automatic transmission fluid
Replies: 62
Views: 4368

Re: When to change automatic tramission fluid

No fluids are lifetime fluids and all fluids get bad eventually. Even 100,000 mile fluids, the manufacturer may be assuming you only keep your car 150,000 miles. I have no idea. I feel it's small insurance to pay to change it every 40,000 miles on our Hondas. We're hoping to keep both cars well past...