Search found 26867 matches

by Taylor Larimore
Wed Apr 21, 2021 2:19 pm
Forum: Non-US Chapters
Topic: New German Bogleheads Local Chapter Established
Replies: 21
Views: 1671

My Best Wishes

German Bogleheads: Please accept my best wishes for opening and maintaining a German Bogleheads Chapter. Taylor Jack Bogle's Words of Wisdom: "The great game of life is not about money; it is about doing your best to join the battle to build anew ourselves, our communities, our nation, and our ...
by Taylor Larimore
Tue Apr 20, 2021 7:11 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1321
Views: 146768

Tony's Two-Fund Portfolio

Bogleheads:

I think we should call it: "TONY'S TWO-FUND PORTFOLIO".

By any name--it's a winner!

Taylor
Jack Bogle's Words of Wisdom: "The Vanguard Total Stock Market Index fund and its Total Bond Market cousin represent the purest form of common-sense investing."
by Taylor Larimore
Tue Apr 20, 2021 8:07 am
Forum: Investing - Theory, News & General
Topic: Bogle said 75% Total Bond and 25% Investment Grade Corp. Bond?
Replies: 43
Views: 2930

Re: Bogle said 75% Total Bond and 25% Investment Grade Corp. Bond?

I was reading Bogle's "The Little Book of Common Sense Investing," and I came across this "In order to achieve such a 50/50 government/corporate bond portfolio, investors who require a higher yield than the total bond market index fund (yet still seek a high-quality portfolio) might ...
by Taylor Larimore
Sat Apr 17, 2021 12:21 pm
Forum: Personal Investments
Topic: Financial Samurai Blog -Passive Income Portfolio - is this guy legit or am I going off track?
Replies: 67
Views: 16590

Stay the course

Hi, Recently I came across a blog post by the financial sumurai on his passive income portfolio and alternative investments. As part of my follow up into what he wrote, I wanted to ask everyone here their thoughts and opinions. I have 200k in my 3 fund and a 100k CD maturing this year (29 yrs old)....
by Taylor Larimore
Fri Apr 16, 2021 6:33 pm
Forum: Personal Investments
Topic: Market Timing Change
Replies: 40
Views: 2352

Market Timing

Good Afternoon everyone, I saw an article on Yahoo about taking profits in anticipation of a 10% correction in the near future. I feel so foolish that I acted on such an article. I took about 10% of my equity allocation out of the market. Settlement day is tomorrow. It's in cash. What are my best o...
by Taylor Larimore
Thu Apr 15, 2021 3:41 pm
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 23
Views: 2466

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

jdamo: Looking at actual historical returns for inflation and the total bond fund index should dispel you fears. https://www.bogleheads.org/forum/viewtopic.php?t=308269 More money has been lost worrying about inflation than lost at the point of a gun. Best wishes. Taylor Jack Bogle's Words of Wisdom...
by Taylor Larimore
Wed Apr 14, 2021 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: How foolish is this? [Buying waterfront apartment in Florida]
Replies: 101
Views: 9486

Re: How foolish is this? [Buying waterfront apartment in Florida]

"The building was built in 1981." protagonist: Dade County (Miami) requires a 40 year inspection of condos in Miami. The result can be a large assessment (we had two). I would try to determine if the building has an adequate capital reserve even without the government inspection. Hope this...
by Taylor Larimore
Wed Apr 14, 2021 8:54 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 104
Views: 5763

Total Stock Market Index Fund holds REITs

Was talking to my advisor. He pointed out that I have 0 REIT. sidwin516: If you own the total stock market index fund, you already own the market weight in REITs. Total stock Market Index Fund is the U.S. stock fund in The Three-Fund Portfolio. Best wishes. Taylor Jack Bogle's Words of Wisdom: &quo...
by Taylor Larimore
Tue Apr 13, 2021 10:23 am
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 23
Views: 2466

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

What do I get if I buy VBTLX today? jdamo: You get the largest and most diversified bond fund in the world containing only investment grade bonds and with extremely low cost. It is the bond portion of The Three-Fund Portfolio Best wishes Taylor Jack Bogle's Words of Wisdom: "Deep down, I remai...
by Taylor Larimore
Mon Apr 12, 2021 7:42 pm
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 8025

Re: I cant find anything better than S&P

I can't find anything better than S&P" I am not surprised. It is hard to beat 500 of the largest and most successful companies in the United States. Best wishes. Taylor Jack Bogle's Words of Wisdom: "Deep down, I remain absolutely confident that the vast majority of American families ...
by Taylor Larimore
Mon Apr 12, 2021 12:41 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 6077

"When the facts change."

I'm not a SCV hater, and if folks are inclined to do it, that's their choice. But, after decades of doing so myself, I now think the risk of under-performing are greater than over-performing, and that the added complexity and potential tax implications are just added reasons not to do it. Vanguard ...
by Taylor Larimore
Sun Apr 11, 2021 3:07 pm
Forum: Personal Investments
Topic: Finally read the Little Book of Common Sense Investing...
Replies: 8
Views: 1154

Re: Finally read the Little Book of Common Sense Investing...

Received a gift card to Barnes & Noble so I picked up a copy. I must admit over the last few years I got caught up in the growth fund frenzy, then it was small cap funds. It seems I was selecting some funds based on past performance and trying to beat the returns of the S&P500. I always inv...
by Taylor Larimore
Sat Apr 10, 2021 8:20 pm
Forum: Investing - Theory, News & General
Topic: An alternative to bonds
Replies: 10
Views: 1809

An alternative to bonds ??

Has anyone heard of HNDL? It's an EDF of EDFs and pays a distribution (not dividend) every month. Right now its paying 7% while the investment has gone unchanged. Here's an article that explains it. https://www.investopedia.com/investing/etf-designed-retirees/?utm_campaign=quote-yahoo&utm_sourc...
by Taylor Larimore
Sat Apr 10, 2021 7:06 pm
Forum: Personal Investments
Topic: Ready to push the easy button on investements: Portfolio review
Replies: 15
Views: 3086

A message of thanks.

Ddwhiteiris:

Thank you for your post. I am pleased that we were able to help you.

Best wishes
Taylor
Jack Bogle's Words of Wisdom:
"Success, in short, can be measured not in what we attain for ourselves, but in what we contribute to our society."
by Taylor Larimore
Sat Apr 10, 2021 1:47 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21158

"The 4,026,858.95 Car or a Worry-Free Retirement?"

Bogleheads: This is a copy of a post I made two years ago: The $4,026,858.95 Car or a Worry-Free Retirement? Post by Taylor Larimore » Thu Mar 21, 2019 3:28 pm Bogleheads: The automobile industry must have the most successful marketing program in the world (even more successful than the investment i...
by Taylor Larimore
Fri Apr 09, 2021 6:18 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 6077

Simplicity over Small Cap Value ?

To me, simplicity is way over hyped on this forum. Leif: It is difficult to "over hype" the benefits of Simplicity . This is what experts say: What Experts Say About Simplicity. Best wishes. Taylor Jack Bogle's Words of Wisdom: " Simplicity is the master key to financial success . --...
by Taylor Larimore
Fri Apr 09, 2021 12:59 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 6077

Re: Simplicity over Small Cap Value

Hey guys. I recently posted a portfolio that tilts to SCV. I am now rethinking if I am being too complicated and should just stick to total market and total international index funds. I am 18 years old. Should I go with the simplicity or tilt to small cap value? How much extra would I reasonably ea...
by Taylor Larimore
Fri Apr 09, 2021 11:12 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2999

Re: Are you competitive? If so, how do you compete as you get older?

2Scoops: My first sailboat race was aboard Ticonderoga in a 1950 race from Miami to Nassau. I've been hooked ever since having competed in more than a thousand sailboat races -- usually weekend sailing regattas on Biscayne Bay. I tried, but I never won a national championship. Fortunately, sailing i...
by Taylor Larimore
Fri Apr 09, 2021 9:59 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 8025

Re: I cant find anything better than S&P

Just putting money in S&P is what I am doing. I tried to look into buying real estate Buying individual stocks and etc. But everything seems like a lot of hassle and more risk than just cruising with DCA into the market. Do you guys have any other suggestion where to put money? newyorker: Stay ...
by Taylor Larimore
Thu Apr 08, 2021 1:29 pm
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 7259

Re: How to lose the desire of outperforming the market?

Hey BH community. Quick backstory: I'm 30 years old and started investing in November 2019. Had some bad luck with my timing (invested most of my assets at the peak back then), but it turned out quite fine. At the beginning I was convinced that SCV could boost my returns, so I added it right from t...
by Taylor Larimore
Wed Apr 07, 2021 9:04 pm
Forum: Personal Investments
Topic: annuities to protect market gains
Replies: 10
Views: 1083

Re: annuities to protect market gains

Thanks for the info. Never tried to time the market, but as you get older, things start to look different. Perhaps changing my stock to bond ratio would be best. golddigger: Yes. Best wishes Taylor Jack Bogle's Words of Wisdom: "As a crude starting point, an investor's bond position should equ...
by Taylor Larimore
Wed Apr 07, 2021 8:33 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 101
Views: 8616

Re: What is your contrarian/alternative play?

"What is your contrarian/alternative play." aristotelian: I don't "play" with my investments. I simply stay-the-course. Best wishes. Taylor Jack Bogle's Words of Wisdom: "I've said "Stay the course" a thousand times, and I meant it every time. It is the most impor...
by Taylor Larimore
Wed Apr 07, 2021 8:23 am
Forum: Investing - Theory, News & General
Topic: "John C. Bogle: Renaissance Money Manager for the People and More"
Replies: 6
Views: 792

"John C. Bogle: Renaissance Money Manager for the People and More"

Bogleheads: Below is a link to one of the best articles I have read about our forum's namesake. It was written by Ralph Nader a short time after Jack's death. I hope you like it. John C. Bogle: Renaissance Money Manager for the People and More Best wishes Taylor Warren Buffett's Words of Wisdom: “If...
by Taylor Larimore
Tue Apr 06, 2021 8:14 pm
Forum: Investing - Theory, News & General
Topic: Useless Investment Books
Replies: 106
Views: 9169

"250 Investment Books"

Bogleheads: I have read over 250 investment books. Some books were very helpful; others somewhat helpful; and others gave terrible advice. Overall, they helped me learn what works and what doesn't. The result is my long and financially secure retirement. I have condensed the best advice I know in Th...
by Taylor Larimore
Mon Apr 05, 2021 12:59 pm
Forum: Personal Investments
Topic: Need guidance investing in taxable account for first time
Replies: 11
Views: 1357

Re: Need guidance investing in taxable account for first time

Paul_3Fund: You have done an excellent job of following the Boglehead guideline for posting your portfolio. You should receive many informed replies. I will comment on just this one: "Any additional general feedback or advice on things to be aware of when investing in a taxable account is appre...
by Taylor Larimore
Mon Apr 05, 2021 9:44 am
Forum: Personal Investments
Topic: Financial advisor advice
Replies: 9
Views: 1310

Re: Financial advisor advice

ukchard: Welcome to the Bogleheads Forum! The most popular portfolio on the Bogleheads Forum is The Three-Fund Portfolio which seldom requires an advisor. This is the link: https://www.bogleheads.org/forum/viewtopic.php?t=88005 Best wishes. Taylor Jack Bogle's Words of Wisdom: " There may be be...
by Taylor Larimore
Mon Apr 05, 2021 9:05 am
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12516

Investing for 71 years investing

Bogleheads: I began investing in 1950 when the S&P stocks were about 20 . Today the S&P 500 stocks are about 4,000. Lessons learned: Buy the market. Stay-the-course. Best wishes Taylor Jack Bogle's Words of Wisdom: "In my view, owning the market and holding it forever is the ultimate st...
by Taylor Larimore
Sun Apr 04, 2021 12:32 pm
Forum: Personal Investments
Topic: Vanguard Total Bond (VBTLX) at 1.11% yield seems high risk
Replies: 167
Views: 15810

Historical Interaction of Securities in the Three-Fund Portfolio

It has been a long time since we have seen interest rates go up. In a time of interest rate increases or higher inflation the 3 fund portfolio might not be the best investment mix choice (IMO). rhornback: You should find it reassuring to see how each of the securities in The Three-Fund Portfolio in...
by Taylor Larimore
Sat Apr 03, 2021 1:24 pm
Forum: Investing - Theory, News & General
Topic: In what condition, will international significantly overperform US?
Replies: 171
Views: 12903

Re: In what condition, will international significantly overperform US?

I switched to 3 funds after discovered Bogleheads 6, 7 years ago. Today, I did a comparison to my previous asset allocation and discovered that I am underperform by more than 8 years of expenses because of International. So I am trying to re-exam the rational to have international in the first plac...
by Taylor Larimore
Sat Apr 03, 2021 12:59 pm
Forum: Personal Investments
Topic: Vanguard Total Bond (VBTLX) at 1.11% yield seems high risk
Replies: 167
Views: 15810

Changing from bonds to stocks

Update as of 4/3/21 I exchanged some VBTLX for VHYAX Vanguard High Dividend Yld Idx Adm in our IRA account. I decided that the current yield of VBTLX which is 1.38% is not adequate for the risk I am assuming. The risk is twofold: that my yield will be eaten away by inflation and that higher rates w...
by Taylor Larimore
Wed Mar 31, 2021 1:03 pm
Forum: Personal Investments
Topic: Buying dividend stocks
Replies: 40
Views: 4232

Re: Buying dividend stocks vs a Total Stock Market Index Fund

With bond fund interest rates so low, is there anything wrong in retirement with buying high dividend stocks and holding them forever? Seems a lot of people think buying stocks just for the dividends is a bad idea. I'm talking stocks that would hopefully not cut their dividends. nbseer: I do not fa...
by Taylor Larimore
Tue Mar 30, 2021 12:02 pm
Forum: Investing - Theory, News & General
Topic: "John Bogle: On The Wisdom of Life-Virtues-and-Success"
Replies: 11
Views: 1633

"John Bogle: On The Wisdom of Life-Virtues-and-Success"

Bogleheads: I think you will enjoy this short article about our namesake, Jack Bogle: https://excellencereporter.com/2020/01/10/john-c-bogle-on-the-wisdom-of-life-virtues-and-success/ Best wishes. Taylor The wisdom of Warren Buffett : “If a statue is ever erected to honor the person who has done the...
by Taylor Larimore
Mon Mar 29, 2021 2:21 pm
Forum: US Chapters
Topic: Bogleheads Life Stage Chapters
Replies: 12
Views: 1833

Re: Bogleheads Life Stage Chapters

Gail: We look forward to "threads on the forum inviting you to attend virtual meetings based on whatever Life Stage of investing you are in!" We also thank you and the other directors of The John C. Bogle Center For Investment Literacy for making the Bogleheads Forum the finest (and larges...
by Taylor Larimore
Mon Mar 29, 2021 12:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Index Admiral
Replies: 11
Views: 1078

Risk and Return in Bonds

I'd like to hear other thoughts but it seems that VBTLX is not going to see much of a positive return without interest rates turning negative. I don't think that will be happening. I'm not sure why the usual advice has been to continue investing in VBTLX during the persistent low rate environment. ...
by Taylor Larimore
Sat Mar 27, 2021 7:57 pm
Forum: Personal Investments
Topic: 500k portfolio needing 3k/month income.
Replies: 40
Views: 5174

The Three-Fund Portfolio

Maybe once the portfolio gets a little larger, he can switch over to a 3-fund portfolio... Marseille07: This is a link to the many benefits of The Three-Fund Portfolio: https://www.bogleheads.org/forum/viewtopic.php?t=88005 Best wishes. Taylor Jack Bogle's Words of Wisdom: "There may be better...
by Taylor Larimore
Sat Mar 27, 2021 1:38 pm
Forum: Investing - Theory, News & General
Topic: Total Bond vs. Intermediate Term Bond
Replies: 31
Views: 3992

Re: Total Bond vs. Intermediate Term Bond?

Tony: In my view we are dancing on the head of a pin. BOTH Vanguard bond funds should do the job of providing safety (and income) in a portfolio. Best wishes. Taylor Jack Bogle's Words of Wisdom: "Deep down, I remain absolutely confident that the vast majority of American families would be well...
by Taylor Larimore
Sat Mar 27, 2021 10:57 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's Fine Target-Date Retirement Series"
Replies: 27
Views: 3696

How Much International Stock?

Taylor, How do you feel about Vanguard and many others using 40% of stocks in international funds? Triple digit golfer: No one knows what will be the best allocation of international funds. It was one of the most difficult decisions I had to make when writing The Bogleheads' Guide to the Three-Fund...
by Taylor Larimore
Sat Mar 27, 2021 9:10 am
Forum: Investing - Theory, News & General
Topic: "--Jack Bogle chose to make others richer"
Replies: 25
Views: 2952

Investment Gems

Tony: I also have all of Jack's books. Most were sent to me by Jack himself and with a personal message in the the front. As many Bogleheads know, I selected my favorite quotes from each of his books and put them in our Investment Gems. Best wishes. Taylor Jack Bogle's Words of Wisdom: “It is the po...
by Taylor Larimore
Fri Mar 26, 2021 12:02 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard's Fine Target-Date Retirement Series"
Replies: 27
Views: 3696

"Vanguard's Fine Target-Date Retirement Series"

Bogleheads: Morningstar has published an article about Vanguard Target-Date Funds which many Bogleheads will find interesting: I love the simplicity of target-date funds and the fact that they are designed by Vanguard experts. Unfortunately, target-date funds are tax-inefficient. I prefer The Three-...
by Taylor Larimore
Fri Mar 26, 2021 11:37 am
Forum: Investing - Theory, News & General
Topic: "--Jack Bogle chose to make others richer"
Replies: 25
Views: 2952

Re: "--Jack Bogle chose to make others richer"

BoulderBoy:

We would not be here today were it not for Jack Bogle.

Best wishes
Taylor
Jack Bogle's Words of Wisdom: "One of our most important values is candor. Tell the whole truth and nothing but the truth, with no strings attached, and let the chips fall where they may."
by Taylor Larimore
Fri Mar 26, 2021 9:52 am
Forum: Investing - Theory, News & General
Topic: "--Jack Bogle chose to make others richer"
Replies: 25
Views: 2952

"--Jack Bogle chose to make others richer"

Bogleheads: Our mentor, Jack Bogle, was known and loved throughout the world. Bogleheads are honored to carry on his memory. Below is a link to an article in The Sydney Morning Herald published shortly after Jack's death: He should be a billionaire, but Jack Bogle chose to make others richer Rest in...
by Taylor Larimore
Thu Mar 25, 2021 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 48
Views: 5062

Re: Should I stay or should I go?

NorthPlainsDrifter:

My advice: Sit down with your family, discuss your options, seek their advice, then decide.

Best wishes
Taylor
Jack Bogle's Words of Wisdom: "Not everything that counts can be counted, and not everything that can be counted counts."
by Taylor Larimore
Thu Mar 25, 2021 7:58 pm
Forum: Investing - Theory, News & General
Topic: CNBC ...why investors should never try to time the stock market
Replies: 22
Views: 3557

Re: CNBC ...why investors should never try to time the stock market

Last March was a great example of volatility clustering. The daily returns for VTSAX below show only 1 day with < 1% movement; 3 with 1-2%; 5 with 2-4%; 7 with 4-6%; and 5 days with > 6% movements. Outside of March, there were only 2 other days with > 6% movement and 2 days with 4-6% movements. Thr...
by Taylor Larimore
Thu Mar 25, 2021 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 449
Views: 57180

$11,000 to $350,000 in real estate

Bogleheads: In the late 80's we put $11,000 down on an unbuilt condominium in Miami (Yacht Harbor) priced at $110,000. About 10 years later we sold our unit for $350,000 . The identical unit next door sold for $250,000 three years later. Lesson learned: Real Estate can be profitable -- and it can be...
by Taylor Larimore
Thu Mar 25, 2021 11:57 am
Forum: Personal Consumer Issues
Topic: son to major in Business, advice on specialization requested
Replies: 60
Views: 2659

Re: son to major in Business, advice on specialization requested

cheapskate: I majored in Business Administration at the University of Miami and also attended the Newark College of Engineering so I have some experience with the subject. For me, I think my choice of BBA was a good one. I recognize that a BBA does not always lead to the highest paying professions l...
by Taylor Larimore
Thu Mar 25, 2021 11:34 am
Forum: Investing - Theory, News & General
Topic: I Almost Researched a Stock
Replies: 17
Views: 2168

Re: I Almost Researched a Stock

I had the bright idea to add some diversification to my portfolio. I was going to look into buying the top three stocks in the NASDAQ 100: AAPL, MSFT and AMZN. How wrong could you go with that strategy? So over I went to Yahoo! Finance to download some historical data. I typed in AAPL and poised my...
by Taylor Larimore
Thu Mar 25, 2021 10:51 am
Forum: Investing - Theory, News & General
Topic: CNBC ...why investors should never try to time the stock market
Replies: 22
Views: 3557

"Lies, damned lies, and statistics."

Bogleheads: This conversation reminds me of a famous quote by Benjamin Disraeli: “There are three kinds of lies: Lies, damned lies, and statistics.” Best wishes. Taylor Jack Bogle's Words of Wisdom : “The marketing colossus known as the mutual fund industry provides the weaponry which enables invest...
by Taylor Larimore
Thu Mar 25, 2021 9:08 am
Forum: Investing - Theory, News & General
Topic: Buy and Hold Stock Millionaires
Replies: 24
Views: 4101

Re: Buy and Hold Stock Millionaires

I love stories like these below. Do you think this strategy is still valid in 2021 moving forward the next 20-30 years? https://www.thecompoundinvestor.com/grace-groner-abbott-labs-millionaire/ https://www.cnbc.com/2016/09/02/the-smart-investing-strategy-a-janitor-used-to-build-an-8-million-portfol...
by Taylor Larimore
Wed Mar 24, 2021 7:54 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 266
Views: 18582

Re: On what are you most bullish?

The "what" can be a broad asset class, some specific part of it, or even individual securities. 000: Author and Wall Street Journal columnist, Jason Zweig, expresses my opinion in this article: I DON'T KNOW, AND I DON'T CARE Best wishes. Taylor Jack Bogle's Words of Wisdom: " Absolut...