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Re: buy Ibond this month or next?

I'd buy now. I don't imagine the fixed rate going up, but I can imagine it going down. Zero is the limit (no negative numbers), which of course is a plus for I Bonds vs. TIPS
by Angst
Fri Oct 17, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: buy Ibond this month or next?
Replies: 7
Views: 1110

Re: Your personal risk level: Got your flu shot yet?

I got mine yesterday. It's a requirement of employment, not that I wouldn't have wanted to get it anyway.
by Angst
Wed Oct 15, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2932

Re: New case of Ebola in U.S.: Is it the latest market headw

I'm sure it's affected it in some way. There are those who believe the end is neigh. https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcSzFUFJkqYp9OUaEgRUjiG91v6asUTRz_CZyoA9OkT-LwVBfLiD Because each week the news has gotten worse... <snip> Two developed countries have ended up with healthcare w...
by Angst
Wed Oct 15, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1295

Re: is anything 'cheap' out there?

1) ibonds are cheap at 0% real rate, short term tips rates are negative 2) 5 year penfed cds are cheap @2.12% yield vs. 5 year treasury @1.56% 3) commodities have gotten cheapish. silver is at a 4 year low. Agreed, and I might add: 4) "20 year" ee bonds are cheap at 3.53% nominal, 20-yr t...
by Angst
Wed Oct 15, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5462

Re: Headed for a 300+ point loss today?

denovo wrote:Oh, no the sky is falling. With today's losses; we are where the market was at the beginning of 2014.

Perhaps the equity market is, but I wish rates were where they were at the beginning of 2014. And they were supposed to only be able to go up! :oops:
by Angst
Wed Oct 15, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 428
Views: 27769

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

mptf, I think I understand your perspective and it makes sense to me. My ladder will accommodate only about 20% of my expected annual needs. I too have some fear of both unexpected events as well as simply the locking in of money into low yield LT TIPS. It's important to find a balance between the v...
by Angst
Wed Oct 15, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 89
Views: 5946

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

At the end of the day, what you're after is a guaranteed income flow. It's true that at the end of a 20-year TIPS ladder, the money is gone. However, I have no intention of putting all of my money in a TIPS and I will extend the "floor" with either excess earnings or buy a SPIA. ADr, I th...
by Angst
Tue Oct 14, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 89
Views: 5946

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

However, I've decided that the life cycle approach has merit and slowly started building a floor for retirement since it's about 10 years away. If you buy an annuity to fund all or part of your retirement there is some "insurance" cost that you pay to the annuity company to cover the risk...
by Angst
Tue Oct 14, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 89
Views: 5946

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

grok87 wrote:secondary market yield now is 0.888%

at this point we'll be lucky to get 0.90% yield at auction.

I am still planning on buying at these levels...

things are kinda volatile right now. rates might be better by next week.
this morning, the 10 year T is down 8 points. :?
wait, now it's just 7.
by Angst
Tue Oct 14, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 89
Views: 5946

Re: Why Hold Cash in Retirement Account

No good reason for me (not in retirement yet either), in addition to dividends from taxable I have my salary coming in. Nonetheless, even in retirement, I would never look at cash as a % of my holdings; I'd look at it as a fixed (and probably small) amount I felt was necessary. I consider MM and sho...
by Angst
Wed Oct 08, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why Hold Cash in Retirement Account
Replies: 21
Views: 1638

Re: Vanguard Brokerage Account for TIPS purchase?

#Cruncher wrote:* I believe Vanguard has lowered the minimum purchase to $1,000.

Yes, this is correct.
by Angst
Wed Oct 08, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account for TIPS purchase?
Replies: 6
Views: 605

Re: Correlation Data for Total Bond, TIPS, & Total INTL Bond

Day9 wrote:SOMEONE TELL ME WHERE I CAN GET MY HANDS ON 30 YEAR NEW ZEALAND GILTS!

Yeah, that's something. Anyone understand what's going on here?
by Angst
Wed Oct 08, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 976

Re: Nursing School: Student loans or retirement

I don't mean to be presumptuous, but my first reaction is that you should be sure you want to go into nursing! I know of many people, particularly over 40 yo who have done just what you're doing, later in their career and have found nursing to be too much to handle. Floor nursing can be brutal, both...
by Angst
Mon Oct 06, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2369

Re: TLH Partner for VXUS

Has anyone here actually gone through an audit with these kinds of transactions and not had any problems?
by Angst
Thu Oct 02, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Partner for VXUS
Replies: 17
Views: 810

Re: Will you invest in Bill Gross's new bond fund?

If ever I were going to invest in a fund specifically because Bill Gross was its manager, I suppose now would be the time. He's no longer shackled to a gargantuan fund monster and will probably feel like a kid in a candy store. Surely he has a lot to prove and personal incentive to make it a big suc...
by Angst
Tue Sep 30, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2808

Re: Oatmeal suggestions

There are many articles on instant vs. old-fashioned, but here's one that got right to the point: http://myfulllifenutrition.com/2013/12/30/heart-health-3-dangers-of-instant-oats/ Thanks Fallible - This is a good link for anyone interested in the potential healthfulness of oatmeal products in parti...
by Angst
Tue Sep 30, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5370

Re: Oatmeal suggestions

i think livesoft is on to something here. and, if you just swap out the oats for a whole banana, what you're gonna end up with is something like a banana split, for breakfast! mmm, sounds pretty good... and now, suddenly, i seem to have a craving for frosted flakes and fractured fairy tales. drizzle...
by Angst
Tue Sep 30, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5370

Re: Oatmeal suggestions

Sounds interesting but since the uncut oats already take an hour to cook, I think I might starve to death waiting for something that takes twice as long! By the way, the instructions at Whole Foods for cooking uncut oats are wrong. You need 4 cups of water per cup of oats, not 3; otherwise they get...
by Angst
Tue Sep 30, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5370

Re: Oatmeal suggestions

I use uncut whole groats from (where else?) Whole Foods. They are cheaper than the other types and taste/feel just as good, although the cooking is even longer than with steel-cut oats. Me too. I find Whole Foods generally quite pricey, but when it comes to bulk foods they're fairly Bogleheadish. T...
by Angst
Tue Sep 30, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5370

Re: Oatmeal suggestions

It's healthy, right? Well, sure, but everything is relative. Are you speaking of "instant" oatmeal? Or maybe "quick oats"? Or maybe what's known as "old fashioned" oat flakes? "Steel cut" oats have also been mentioned. And no one has brought up "oat groa...
by Angst
Tue Sep 30, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5370

Re: Buy PCRIX today?

PCRIX is selling at near half of the original price of the opening shares of the fund. You can pretty much say the same thing about VWEHX - Vanguard High Yield Corporate Fund. The point is, without considering dividends, capital gains/losses and return of capital, price alone can be fairly useless,...
by Angst
Tue Sep 23, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2649

Re: Are SPIA's fairly priced? - A quick and dirty analysis

Thanks bobcat2, too! The whole question seemed too obvious not to have already been addressed. And I like the results. SPIA's seem to be a fair deal, if not necessarily a "good" deal for everyone. I for one would imagine seriously considering them in a couple more decades as I approach my ...
by Angst
Mon Sep 22, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3631

Re: Are SPIA's fairly priced? - A quick and dirty analysis

While we do not know our lifespan, the insurance company, because of the Law of Large Numbers, does know, to a high degree of accuracy, the lifespan of its pool of annuitants. They are willing to take our longevity risk because it isn't actually a risk to them at all. That profound asymmetry is why...
by Angst
Sat Sep 20, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3631

Re: Buy PCRIX today?

heartwood wrote:What's PCRIX?

PIMCO Commodity Real Ret Strat Instl PCRIX
by Angst
Fri Sep 19, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2649

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thanks jaab for your references, quotes and comments. I got through sidenote #1 yesterday and some of its pdf references. It's a bit more than I'm able to fully digest, but I gathered the gist of much of it and found it interesting. It certainly reinforces my inclination to take HML (and really fact...
by Angst
Thu Sep 18, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2775

Re: LifeStrategy Growth vs Three / Four Fund

Hmm I come up with $17 per 10K of the LifeStrategy Growth Fund but $17.62 when I price out the individual funds inside. But you are right the cost goes down to $8.84 per 10k when you factor in Admiral funds. So there is the answer And as soon as you can qualify for Admiral status on even just the l...
by Angst
Wed Sep 17, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Growth vs Three / Four Fund
Replies: 9
Views: 969

Re: Feeling smug until 10 year ROR from Vanguard

If it's not an IRR - then it really isn't the snapshot of actual returns that the OP seems to think it is. Below Vanguard's performance graph and off to the right side, Vanguard has a link " See how we calculate performance " which states: Calculation method. Personal performance uses a f...
by Angst
Wed Sep 17, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7753

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thanks Larry,
I appreciate your responses and I've gotten a lot out of this thread.
Angie
by Angst
Wed Sep 17, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2775

Re: Vanguard's Website - Bad, or just me?

In regards to the OP, automatic rebalancing strikes me as problematic. Do any of the likes of Fidelity, TRowe, TDAmeritrade, etc. offer it? TIAA seems somewhat like an unfair comparison. E.g., my 401k is with Vanguard and we DO have automatic rebalancing. Well, I think you have to make it do it ever...
by Angst
Wed Sep 17, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2425

Re: Vanguard's Website - Bad, or just me?

Welcome bmorgy! Yes it's a little sad, but maybe you can just consider it a part of the price of admission? :? Functionality and usefulness (or lack thereof) aside, beware in particular of some of the Vanguard reports that purport to "analyze" your data and accounts. I simply don't bother ...
by Angst
Wed Sep 17, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2425

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thank you jaab,
that's really helpful information. I appreciate it.
Angie
by Angst
Tue Sep 16, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2775

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Don't know if this will help but .. First, value investing is about buying assets with low prices to some metric Second, financial economists have tested many common metrics like p/b, p/c, p/s, p/d, p/e, p/ebitda, etc. They all show value premiums, differing in size depending sometimes on the time ...
by Angst
Tue Sep 16, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2775

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

^ No worries Angst! I find that it's easy to lose track of threads myself. HML is the most popular definition of value in the literature. But my impression is that this choice is mostly arbitrary. We could just as well definite the value factor using cashflow or earnings or dividends instead of boo...
by Angst
Tue Sep 16, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2775

Re: Wake up, Vanguard: It ain't 1976 anymore!

I don't think this has anything to do with Vanguard keeping or not keeping pace with technology. I think you're expectations are unrealistic for a variety of reasons. For example, if you closed and/or opened an account in the last 10 years, why would Vanguard track it? How would they? Is it even po...
by Angst
Sun Sep 14, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7753

Re: Should I put money in HSA account if health care is cove

As grabiner said, an HSA is a great retirement savings account, better perhaps than anything else b/c it's tax deductible going in and untaxed coming out. If you really do have an HSA, rather than an FSA or something else, I'd suggest you go to our Wiki and familiarize yourself with the HSA details....
by Angst
Sun Sep 14, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I put money in HSA account if health care is covered?
Replies: 5
Views: 776

Re: Share your Hot-Rod Portfolio

Ok pk,
forgive me, but here comes my Dizzy Dozen:

20% Total Stock
10% Extended Mrkt
5% VBR SC Value
5% PXSV SC Value
5% RZV SC Value

20% Total Int'l
10% SmCap Int'l
5% DSL Int'l SC Value
5% EWX EM SC
5% DGS EM SC Value

5% REIT US
5% REIT Int'l
by Angst
Sat Sep 13, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4315

Re: Wake up, Vanguard: It ain't 1976 anymore!

We should not have to import everything into our own spreadsheets in order to ask questions about and play with the data in our Vanguard accounts. It ain't 1976 anymore! Wait, why shouldn't you? Where would they get your data going back to the 70's from? They certainly aren't going to go to the eno...
by Angst
Sat Sep 13, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7753

Re: Wake up, Vanguard: It ain't 1976 anymore!

I've said it before: If Vanguard doesn't wake up to this shortcoming/opportunity, someday someone else, be it Schwab, Fidelity, Wealthfront, Betterment or maybe someone we haven't heard of yet, is going to leap-frog Vanguard by providing similarly inexpensive indexed investment products with a far ...
by Angst
Sat Sep 13, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7753

Wake up, Vanguard: It ain't 1976 anymore!

WARNING: Vanguard IT Reports are to be taken with a few grains of salt. Vanguard's best reputation has nothing to do with the quality (nor accuracy) of its various reports, portfolio viewers, etc. What you are looking at here is not a legal, financial statement. It is a pretty, graphical webpage pre...
by Angst
Sat Sep 13, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7753

Re: I've never been a fan of commodity funds

heyyou wrote:Now I see that there are no assets that rise with direct correlation to inflation, so normal inflation is somewhat uninsurable.

Have you ever looked into TIPS? They do fairly well tracking inflation; I Bonds can do even better.
by Angst
Fri Sep 12, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: I've never been a fan of commodity funds
Replies: 28
Views: 2327

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

The portfolio visualizer tilts are generates using the standard Fama French data series. One thing to keep in mind is that value tilting (targeting positive HML) and buying value stocks are not necessarily the same thing. RAFI continuous fundamental weights seem to reliably generate higher value ti...
by Angst
Fri Sep 12, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2775

Re: Future direction of U.S. stock market

For more context, the two charts can be found on pages 10 and 51, respectively, in the 2013 Credit Suisse Yearbook.
by Angst
Thu Sep 11, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2320

Re: Personal finance podcast to replace Marketplace Money?

<snip>... There were usually one or two general topics discussed as well as interviews with recognized financial experts in various fields. It was very Bogleheadish and much superior to Marketplace Money. I lost interest in Marketplace Money a few years ago. Bob Potter and Chris Farrell were co-hos...
by Angst
Thu Sep 11, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance podcast to replace Marketplace Money?
Replies: 19
Views: 2802

Re: Inflation Protected Annuity versus TIPs ladder

I'm having a little trouble digesting all of this. (Grok, where are you?!) Does Zvi Bodie know about this? So has the whole "LMP constructed with TIPS" idea now been thrown out the window? Can anyone address this apparent implication?
by Angst
Thu Sep 11, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Protected Annuity versus TIPs ladder
Replies: 9
Views: 923

Re: Why don't the LifeStrategy funds have Admiral Status??

I've always thought there was no gap; that the ER was a direct prorating of the constituent funds. It is. Just look under "Fund Holdings" to see the funds held. So I just did a quick spreadsheet calc with Life StrategyGrowth VASGX which has a stated ER of 0.1700% I calculated a prorated E...
by Angst
Thu Sep 11, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1361

Re: Why don't the LifeStrategy funds have Admiral Status??

I would GUESS they use the gap in fees to pay for the extra overhead of the fund, since it's a fund of funds....... Do they show what exactly the fund invests in?... Do they use the institutional share class of the base funds?? I've always thought there was no gap; that the ER was a direct proratin...
by Angst
Thu Sep 11, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1361

Re: Why don't the LifeStrategy funds have Admiral Status??

My theory is that because they are funds of funds, $10,000 invested would equal far less than $10,000 invested in each of the constituent funds. So, if for example the smallest component of one of these funds had only a 10% allocation, one would have to hold $100,000 of the overall fund for that spe...
by Angst
Thu Sep 11, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1361

Re: Good piano for toddler ?

Talk to any of your small, local moving companies. I know some folks in the business and it is common for people who are moving to get into positions where they would beg someone to simply take their old spinet or console (smaller than full uprights) off their hands. You can get a fairly "young...
by Angst
Thu Sep 11, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Good piano for toddler ?
Replies: 13
Views: 847

Re: Future direction of U.S. stock market

The red line shows the fifty-year record of a non-U.S. national stock market. I've drawn a couple of red arrows. Do you think they represent reasonable projections of the likely future range of performance for that stock market? Oh, you know, there are never any guarantees, of course, but sensible ...
by Angst
Thu Sep 11, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2320

Re: Poll: Cash Holdings

I'm not including any of what I call fixed income, so no I or EE bonds included, nor CDs. As such, the amount of cash I hold (in my wallet and bank account) is not a function of the size of my portfolio, it simply is the amount of float that I seem to require in order to keep my bank balance from ap...
by Angst
Fri Sep 05, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3699
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