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Re: The emerging market portion of Total International Stock

If are thinking about overweighting emerging markets, you ought to be aiming to at least approximate market weights in developed-country non-US markets. That puts you in the neighborhood of 50-50 US/non-US. That puts you at about 9% emerging market. I don't see the point of worrying about the differ...
by Aptenodytes
Wed Jul 30, 2014 7:19 am
 
Forum: Investing - Theory, News & General
Topic: The emerging market portion of Total International Stock
Replies: 4
Views: 524

Re: Basically starting over

Your funds are fine, they just add up to an AA that is different than you listed in your post. What I hear you saying now is that 70-30 AA isn't really something you aspire to. OK, that's fine. Then state what AA you do want to aspire to.
by Aptenodytes
Tue Jul 29, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 11
Views: 2021

Re: Which is King: Income Stream or $ Invested

In your example, I would take the $4M, because I could buy a SPIA with it that would pay $199K/year. But I don't know how that maps to your question. In fact, I can't think of any answer that could possibly be true. Say you think income is better. You mean you'd rather have one dollar per year than ...
by Aptenodytes
Tue Jul 29, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 17
Views: 1549

Re: Stocks: losing money for 20-30 years not uncommon

Why does "world" not equal "average?" What is the difference between a USD and a US$? Why is every entry in real terms except one, and it seems to be some kind of average of the others? And how does something labeled "equal weighted" get to be an outlier? Is it because ...
by Aptenodytes
Tue Jul 29, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 14
Views: 1515

Re: Vanguard Asset Allocation Tool

MillennialDoc: Welcome to the Bogleheads Forum! I'm still deciding what my asset allocation should be. Vanguard has this Asset Allocation Tool to help you decide what your asset allocation should be: Asset Allocation Tool Best wishes Taylor Interesting. I filled it out quickly guessing what the OP ...
by Aptenodytes
Tue Jul 29, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 9
Views: 545

Re: Is rebalancing worth having bonds?

Yes. Your reasoning is a bit muddled, but your conclusion is sound. You can read the various recommended resources if you want to sort out the reasoning, but in the meanwhile setting an AA that is 20-25%% bonds is something almost everyone here would endorse. e.g. http://www.bogleheads.org/wiki/Asse...
by Aptenodytes
Tue Jul 29, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is rebalancing worth having bonds?
Replies: 9
Views: 545

Re: How does car trade-in works?

Carfax doesn't catch everything. I've bought carfax reports to include in my ad listings when I've sold my cars, and they are highly incomplete.

Expect to pay several thousand dollars for the convenience of trading your car in. The pricing services will tell you all this.
by Aptenodytes
Tue Jul 29, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 29
Views: 1551

Re: Kitchen Remodel... Or Not?

You have to choose between being a cheapskate and having a nice kitchen. Some people like being cheap, but it comes with a price (e.g. bad kitchens).

If I were you I'd just pay cash for the remodel out of the emergency fund and not sweat it.
by Aptenodytes
Mon Jul 28, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2634

Re: Principles for Changing Asset Allocation & Splicing

Such decisions should be made by not making them.

Erratic AAs are worse than bad AAs.

What makes an AA good is independent of what you had in the past. There is no path dependence to AA quality.
by Aptenodytes
Mon Jul 28, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 4
Views: 292

Re: Do I need umbrella insurance?

I ... [h]ave accumulated significant assets ... is umbrella insurance needed for me ? I edited out all the irrelevant stuff. If you have significant assets, you have risk. Umbrella insurance is a cheap way to get it. Usually it is a supplement to homeowners and auto, which it sounds like you lack. ...
by Aptenodytes
Mon Jul 28, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 12
Views: 981

Re: Need help rebalancing investments

What she needs is a strategy.

Maybe send her a copy of Bernstein's guide for millennials.
by Aptenodytes
Mon Jul 28, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help rebalancing investments
Replies: 4
Views: 434

Re: DCA plan.. Help

livesoft wrote:Since you already have $5 million invested, I would just put the $50K in tomorrow. 'Tis but a tiny drop in a bucket.

Wait, what? I feel bamboozled. I retract my earlier answer.
by Aptenodytes
Sun Jul 27, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 610

Re: DCA plan.. Help

Take out a sheet of paper. On the left write down the shortest length of time you would be comfortable making the move. On the right side of the paper right down the longest amount of time you would be comfortable making the move. There is no objective way to choose within that space. With help of a...
by Aptenodytes
Sun Jul 27, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 610

Re: POLL: My home is worth less/more in 2014 than in 2007?

I'm about 20% below 2007. But 2007 was about double from 10 years prior, so I'm fine with it. This is NY Metro area. What I see in the neighborhood is upgrades and teardowns. But that's driven by the short-term trends, not the long-term. The 1-year trend in home prices is up 15%.
by Aptenodytes
Sun Jul 27, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 4013

Re: Basically starting over

Aptenodytes : 1) So you like the percentages I have in my AA but not the funds? Why is that? I used the Boglehead Wiki and the three fund page to help with my selection. What makes them bad? What would make them better? All the funds have a very low expense ratio and a low turnover. I feel like thi...
by Aptenodytes
Sun Jul 27, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 11
Views: 2021

Re: Public Speaking-help

You answered your own question in your original post. The Dale Carnegie course worked for you. Take something like that as quickly as possible. And this time keep it up with regular refreshers so you don't back-slide. If there isn't time to take a course think about this: write an extremely good Pow...
by Aptenodytes
Sun Jul 27, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 62
Views: 2908

Re: Old people and financial advisors - a family tale

Even if you can't bring out the best possible outcome, you might be able to do a lot of good just putting the schmuck on notice that you are on the case. It may make him think twice about his abuse. He may churn less. But these gestalts are very hard to dislodge. They get entwined with feelings of s...
by Aptenodytes
Sun Jul 27, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5475

Re: Basically starting over

Do you have a 25 month or a 5 month emergency fund? You have both in your post. ' Current financial situation: Emergency funds: 25 months of expenses Part 1: I keep a 5 month emergency fund. Then I want to put $10,000 into I-Bonds as soon as possible. I would get 5 sets of $2,000 I-bonds. After a y...
by Aptenodytes
Sun Jul 27, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 11
Views: 2021

Re: Basically starting over

1) Your desired AA is different than the funds you say you want to invest in. Your AA calls for the 3-fund portfolio, or possibly 4 if you want total bond plus TIPS. I like how you describe the desired AA more than I like the funds you list. Personally, I'd either drop international to zero or incre...
by Aptenodytes
Sun Jul 27, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 11
Views: 2021

Re: Stop Extra Payment Toward Mortgage?

Paying off a home in 15 years is often a better move than 30, but I would only do it if I could afford the 15-year mortgage at the outset. You normally get a significant interest rate reduction. Doing it your way you pay the higher interest rate of the 30-year but endure the belt-tightening of the 1...
by Aptenodytes
Sun Jul 27, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Stop Extra Payment Toward Mortgage?
Replies: 31
Views: 1970

Re: Teacher looking for portfolio advice

1. My district just signed on with the New York State 457b plan and I want to put around $4,000 a year into it. I was thinking about 81% in Vanguard Institutional Index Fund(VINIX), 6% in Vanguard Mid-Cap Index Fund(VMCIX), and 13% in Vanguard Small-Cap Index Fund (VSCIX). First step is to determin...
by Aptenodytes
Sun Jul 27, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Teacher looking for portfolio advice
Replies: 13
Views: 561

Re: WSJ: Free online SS benefits tools reviewed

Looks like the publicity may have generated a surge in traffic to Bedrock that overwhelmed its servers. But anything worth doing is worth waiting for.
Image
by Aptenodytes
Sun Jul 27, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ: Free online SS benefits tools reviewed
Replies: 7
Views: 1019

Re: best place to buy kitchen appliances

The market is competitive but confusing. Individual models have their pricing rhythms. The last time we bought multiple appliances we took advantage of a promotion Sears was running where you could get escalating discounts based on the number of appliances you bought. The discounts applied whether o...
by Aptenodytes
Sun Jul 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: best place to buy kitchen appliances
Replies: 15
Views: 1087

Re: Paycheck division/saving for yearly expenses & contribut

I do what jsl11 does. Note that you can have your savings account pull money from your checking account in an automated way. So you don't need to bug HR every time you want to change things. Just have the whole paycheck put in the checking account, and then control the sluices from there. If there's...
by Aptenodytes
Sat Jul 26, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paycheck division/saving for yearly expenses & contributions
Replies: 10
Views: 1035

Re: Reducing picture file size in kb

It depends on the tools available. I have iPhoto. I just took a picture that was 2.9 MB and mailed it to myself. I chose small as the picture size for the email. I just got the email and saved the picture to my desktop. It is now 37k, down from 2.9 MB. I always have trouble with what a MB is, but i...
by Aptenodytes
Sat Jul 26, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 618

Re: Vanguard quietly adds longevity annuities

My guess is that these kinds of instruments have not penetrated the market very much yet, and therefore the market isn't very efficient yet. The offerings will get better as the instruments get popular, which it seems to me they inevitably will. My guess is that there are some efficiencies to be gai...
by Aptenodytes
Sat Jul 26, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5122

Re: help with inherited IRA

MN Finance wrote:Ok, so what's an "ITS"?


Individual Tetirement Sccount

Or a grade school code .. Shift all letters except the first to the right one location on the keyboard.

Or uncaught inappropriate auto replace.
by Aptenodytes
Sat Jul 26, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: help with inherited IRA
Replies: 8
Views: 886

Re: POLL: Do you own corporate bonds?

Well I answered that I have them as part of Total Bond, but that's less than 2% of my bond allocation. Did your selection mean that all your other bonds are issued by a government or public agency? I think that's what it means given the choices. Yes, I own a dedicated corporate bond fund or individ...
by Aptenodytes
Fri Jul 25, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2083

Re: help with inherited IRA

I have an inherited ITS from my mother which I am taking the required minimal distribution. I am 59 and the ITS is approx. 96,000. What would be a good asset allocation and what would be good funds to have the funds in? I plan to invest the small amount of distributions. You are treating the inheri...
by Aptenodytes
Fri Jul 25, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with inherited IRA
Replies: 8
Views: 886

Re: Seeking sample retirement portfolios

Agree you could replace with Retirement Income but you can't rebalance from one mixed fund. A fund such as Target Retirement Income does the rebalancing for you, within its blend of funds. If for some reason you see a benefit to forcing manual rebalancing, then replace what you have with two funds,...
by Aptenodytes
Fri Jul 25, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking sample retirement portfolios
Replies: 13
Views: 1312

Re: Seeking sample retirement portfolios

Thanks everyone - In the end I am going to recommend the following based on a bucket approach 25% Cash (CDs for Years 1 to 5) 25% Bonds (Intermediate Term Index) 25% Wellesley OR Vanguard Retirement Income 25% LifeStrategy Moderate Growth Once a year she will move one years needs from Cash/CDs into...
by Aptenodytes
Fri Jul 25, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking sample retirement portfolios
Replies: 13
Views: 1312

Re: POLL: Do you own corporate bonds?

Well I answered that I have them as part of Total Bond, but that's less than 2% of my bond allocation.
by Aptenodytes
Fri Jul 25, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2083

Re: Make Income the Outcome

Another version of this was circulated here earlier. I think for many Bogleheads this was a headscratcher. You say that if I concentrate on getting the largest portfolio I can I'll undermine my ability to generate appropriate levels of income? Huh? However, I think a subset saw the germ of truth her...
by Aptenodytes
Fri Jul 25, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 49
Views: 3809

Re: Methods for Calculating Savings Rate

If it were me I'd focus on contributions to savings accounts and retirement portfolios -- focus on the black not the red. Same result but simpler way to get the numbers. You seem to want the precision of monthly numbers without the noise of short-term fluctuations. That's a bit of a contradiction, b...
by Aptenodytes
Fri Jul 25, 2014 6:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Methods for Calculating Savings Rate
Replies: 10
Views: 1229

Re: Does a 401k plan cost an employer money?

When I was in grad school many ways of earning money were tax-free; if this is still true today that might complicate things. But I agree with the sentiment that if the university is paying you taxable income, you ought to be able to contribute.
by Aptenodytes
Thu Jul 24, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does a 401k plan cost an employer money?
Replies: 32
Views: 1745

Re: Advice wanted on first computer purchase since 1982!

I would keep things simple and just get another Osborne 2. Normally I prefer the Compaq portable, but by sticking with the Osborne you don't have learn MS-DOS equivalents to CP/M.

It will cost you more than the MacBook Pro, but you'll thank me in the end.
by Aptenodytes
Thu Jul 24, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 103
Views: 5121

Re: Conservative Assumptions For Retirement Calculators

I also find it useful to use conservative assumptions about returns. I use 1.5% for bonds and 4% for equities. These are real returns. I don't see any point to projecting nominal returns, because that requires projecting inflation, so why not skip those steps and just project real. Rick Ferri publis...
by Aptenodytes
Thu Jul 24, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative Assumptions For Retirement Calculators
Replies: 13
Views: 1280

Re: Here's another "where should I retire" thread

I know a couple who made a big list of potential retirement spots and spent several months in an RV visiting them all before making the final choice. By coincidence they ended up in a place that I happen to visit regularly, even though it is thousands of miles away. When I last ran into them out the...
by Aptenodytes
Thu Jul 24, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6083

Re: New 10-Year TIPS Auction July 24 2014

"The Treasury just announced that a new 10-year Treasury Inflation-Protected Security – CUSIP 912828WU0 – auctioned with a yield to maturity of 0.249% and a coupon rate of 0.125%, the lowest rate the Treasury allows on a TIPS."

Courtesy of TIPSwatch.
by Aptenodytes
Thu Jul 24, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 17
Views: 1610

Re: Primer on slice and dice alternatives to total bond mark

Ain't no such thing that garners consensus. Here's what I do, which I would say is mostly evidence-based and only slightly arbitrary. I'm talking about only Treasury bonds and corporates, not TIPS and stable value funds. Duration: I don't diversify here, I put all my chips on either short, intermedi...
by Aptenodytes
Thu Jul 24, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Primer on slice and dice alternatives to total bond market?
Replies: 8
Views: 582

Re: Riding the Rails--my Amtrak trip

I'm on Amtrak right now as well, Providence down to Philadelphia. And I will add that, having taken the Acela up to Providence, that the Acela is much more comfortable. The seats do a better job of supporting you. On the regular Northeast Local I was having pain in my leg due to back problems. In m...
by Aptenodytes
Thu Jul 24, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 47
Views: 4537

Re: Saudi Arabia?

Nisi, you have to also factor in the percentage of the country's economy that is securitized. I suspect it is far below average in Saudi Arabia. Conclusion is the same. A few years ago I had the bright idea to get rich by overweighting Africa, because I was (and still am) highly confident that Afric...
by Aptenodytes
Thu Jul 24, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1332

Re: Saudi Arabia?

If you want to include it in proportion to market cap, I suspect that 0% is pretty darn close already. If you want to overweight it you are reading different information than I am.
by Aptenodytes
Thu Jul 24, 2014 7:40 am
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1332

Re: Best Coffee Maker? What do you have?

What is the intellectual effect of no minds changing? My guess is that there are untapped improvements in coffee enjoyment, available to people willing to experiment with new things. And I don't think we are all too terribly set in our ways. Collectively, Americans have completely changed the way w...
by Aptenodytes
Wed Jul 23, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 65
Views: 4386

Re: Best Coffee Maker? What do you have?

The dimensions you can control are the beans, the grind, and the preparation. So you have the making of an efficient frontier of sorts. Each person will have a combination of choices that is optimum for them -- and deviation on any dimension, either down or up the scale, reduces the cost/pleasure ba...
by Aptenodytes
Wed Jul 23, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 65
Views: 4386

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

This poll depresses me, and I didn't answer; but I would have gladly crafted an answer to Nisi's alternative.
by Aptenodytes
Wed Jul 23, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3087

Re: Help with Excel reformatting of fund price data

It it were me I would do it the other way around. 1) Create a list of dates that are about a month apart. Do it with whatever combination of formulas and manual typing you want to. You can enter several years worth of dates manually in probably two minutes, faster than figuring out a fully automati...
by Aptenodytes
Tue Jul 22, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Help with Excel reformatting of fund price data
Replies: 8
Views: 686

Re: If you are a winner before fees, why not lower the ER?

Why do you keep asking yourself if you can provide studies to demonstrate the existence of funds that would have consistently beaten the market over multiple decades except for the impact of their high fees, but then being so rude to yourself as to not give an answer.

Are you just messing with us?
by Aptenodytes
Tue Jul 22, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1144

Re: Beneficiaries

If you worry about your children then you should not leave everything to your wife. Creditors, including her future spouses, may lay claim to those assets you anticipate would go to your surviving children. Condon and Condon can be read as cautionary tale, campfire ghost story, or marketing schtick...
by Aptenodytes
Tue Jul 22, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1371

Re: New 10-Year TIPS Auction July 24 2014

Thanks for your reply, Nisi. I'm in too. I think you can buy TIPS maturing in 20 years in the secondary market, if that's what you want. But in the passage of time a sequence of 10-years ought to work out OK -- today's low rates are balanced against the high rates a few years ago and what will proba...
by Aptenodytes
Tue Jul 22, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 17
Views: 1610
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