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Re: S&P Return Error in Wiki?

Hi:

Thanks. corrected the error.
by Barry Barnitz
Sat May 25, 2013 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: S&P Return Error in Wiki?
Replies: 4
Views: 222

Re: New T Rowe Price target date retirement funds

Hi:

Keep in mind that the conservative, moderate, and aggressive paradigm for target date funds is a long standing, common feature of age-based target date funds offered in 529 college savings plans.

regards,
by Barry Barnitz
Fri May 24, 2013 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: New T Rowe Price target date retirement funds
Replies: 26
Views: 1360

Re: Do Commodities Hedge Against Inflation?

Hi: Counterpoint provided in this 2011 paper, examining performance of inflation hedging portfolios including (1) publicly traded equity REITs as measured by the FTSE NAREIT All Equity REITs Index; (2) commodities as measured by the S&P Goldman Sachs Commodity Index (GSCI); (3) TIPS as measured ...
by Barry Barnitz
Fri May 24, 2013 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Do Commodities Hedge Against Inflation?
Replies: 44
Views: 1453

Re: Taiwan Local Chapter

Hi Kelvin: You may not be aware that we attempt to document Boglehead conventions in our site's wiki, primarily as a means of recording these events for the historical record . See Bogleheads® Convention Meetings - Bogleheads . I have started a wiki page documenting the recently concluded Taiwan con...
by Barry Barnitz
Thu May 23, 2013 6:11 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 38
Views: 2575

Vanguard expands to Hong Kong:

Hi: For our Asian contingent. News release: Leading Fund Manager Vanguard Unveils Hong Kong-domiciled Asia ex Japan Equity ETF ,Hong Kong, May 15, 2013 - (ACN Newswire) The first Hong Kong-domiciled exchange traded fund (ETF) to be offered by The Vanguard Group, Inc. (Vanguard), the world's largest ...
by Barry Barnitz
Thu May 16, 2013 4:42 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard expands to Hong Kong:
Replies: 3
Views: 507

Re: iSERP - what is it?

Hi: Although I am not personally familiar with SERPs, here is some information I have managed to put together. Investopedia defines a SERP: Definition of ' S upplemental E xecutive R etirement P lan - SERP' A non-qualified retirement plan for key company employees, such as executives, that provides ...
by Barry Barnitz
Wed May 15, 2013 3:43 am
 
Forum: Investing - Help with Personal Investments
Topic: iSERP - what is it?
Replies: 4
Views: 310

Bogleheads Wiki: 2013 Annual Report

HI all: May 13, 2013 marks the fifth anniversary of the founding of the Bogleheads Wiki . As is customary, we issue an annual report to the forum readership on this date, giving everyone a glimpse at the statistical measures of wiki page creation, editing, and readership. We list the wiki's favorite...
by Barry Barnitz
Mon May 13, 2013 2:34 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Wiki: 2013 Annual Report
Replies: 2
Views: 689

Re: SIMPLE IRA versus Traditional

Hi: Relevant fundamental material from the wiki Fiduciary Transfers - Bogleheads SIMPLE IRA Transfers Although SIMPLE IRA's comprise a small part of the employer-provided qualified plan universe, they are unique in being the sole plan that currently permits the individual employee to execute in-serv...
by Barry Barnitz
Fri May 10, 2013 3:58 am
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 6
Views: 279

Re: Suggestions for SIMPLE IRA at Edward Jones

I'm sorry, I should have given more information. My first contribution to the SIMPLE on 4/4/12. I want to make sure that once the 2 years are up, I can transfer funds from a Vanguard SIMPLE to a Vanguard Traditional IRA, and close the SIMPLE account. I wasn't sure if I could make this transfer at t...
by Barry Barnitz
Thu May 09, 2013 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for SIMPLE IRA at Edward Jones
Replies: 14
Views: 838

Re: Suggestions for SIMPLE IRA at Edward Jones

If I start a SIMPLE at Vanguard, next year I can roll those assets into a Traditional IRA at Vanguard, correct? Then after that I can roll the contributions at EJ directly into the Traditional IRA at Vanguard? I'm sorry for all of the questions, but I'm going to get charged $40/year to have my SIMP...
by Barry Barnitz
Thu May 09, 2013 4:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for SIMPLE IRA at Edward Jones
Replies: 14
Views: 838

Re: Suggestions for SIMPLE IRA at Edward Jones

I checked with my employer and we have a form 5305-SIMPLE. I have a few additional questions. If I start a SIMPLE at Vanguard and transfer everything into that, can I roll the Vanguard SIMPLE into a traditional IRA when the 2 year requirement is up? After 2 years of being in the plan, can I roll co...
by Barry Barnitz
Wed May 08, 2013 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for SIMPLE IRA at Edward Jones
Replies: 14
Views: 838

Vanguard's framework for constructing diversified portfolios

Hi: New whitepaper from Vanguard Institutional: Vanguard - Vanguard's framework for constructing diversified portfolios Executive summary. Most investment portfolios are designed to meet a specific future financial need—either a single goal or a multifaceted set of objectives. To best meet that need...
by Barry Barnitz
Wed May 08, 2013 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's framework for constructing diversified portfolios
Replies: 3
Views: 489

Re: Suggestions for SIMPLE IRA at Edward Jones

Hi: Relevant fundamental material from the wiki Fiduciary Transfers - Bogleheads SIMPLE IRA Transfers Although SIMPLE IRA's comprise a small part of the employer-provided qualified plan universe, they are unique in being the sole plan that currently permits the individual employee to execute in-serv...
by Barry Barnitz
Tue May 07, 2013 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for SIMPLE IRA at Edward Jones
Replies: 14
Views: 838

Re: cap gains in total stock market index fund?

Hi:

We have a wiki page devoted to the tax characteristics and history of the Vanguard Total Stock Market Index Fund :Vanguard Total Stock Market Index Fund Tax Distributions - Bogleheads.

regards,
by Barry Barnitz
Thu Apr 18, 2013 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: cap gains in total stock market index fund?
Replies: 9
Views: 574

Re: VSIAX - Vng Small cap value ER drop

Hi: There has been no fundamental difference in the expense ratios of Vanguard's domestic index funds. The drop in the expense ratios is due to the fact that the CRSP indexes that the funds now track do not include Business Development Companies (please refer to Business Development Company - Bogleh...
by Barry Barnitz
Thu Apr 18, 2013 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: VSIAX - Vng Small cap value ER drop
Replies: 20
Views: 1025

Re: What is the lowest possible Expense Ratios could go?

Hi: Check out Vanguard exec teases free ETFs The Vanguard Group Inc. has become the first U.S. ETF company to raise the possibility of funds with no expenses, according to a Financial Times report. “I would like to think the cost of investing [in ETFs] could come down to zero,” Nick Blake, head of r...
by Barry Barnitz
Sat Apr 13, 2013 8:36 am
 
Forum: Investing - Theory, News & General
Topic: What is the lowest possible Expense Ratios could go?
Replies: 26
Views: 1589

Re: Malkiel & Ellis Champions of Indexing Warn About Bonds

Hi Scooter: if you check for details on the long term (plus five year holdings) in the Vanguard Limited Term Tax Exempt fund, you will find that most of them are VDRO's (Variable Rate Demand Obligations), see Municipal Securities Rulemaking Board::EMMA A variable rate demand obligation (VRDO) is a m...
by Barry Barnitz
Fri Apr 12, 2013 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Malkiel & Ellis Champions of Indexing Warn About Bonds
Replies: 85
Views: 6893

Vanguard R&C: Target date fund adoption 2012

Hi: Vanguard provides a look at target date fund adoption in employer provided contributory retirement plans : Vanguard - Target-date fund adoption in 2012 In 2012, more than one-third of participants in defined contribution (DC) plans for which Vanguard provides recordkeeping were invested in a pro...
by Barry Barnitz
Tue Apr 09, 2013 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard R&C: Target date fund adoption 2012
Replies: 1
Views: 344

Re: Your favorite source of historical data

Hi Dr. Bill: I have tried to get index provider return data (annual) for the wiki and often have had to go through hoops to get whatever data I can piece together. For what it is worth MSCI, Wilshire, and Russell have return calculators that can be somewhat helpful. CRSP has spreadsheets with daily ...
by Barry Barnitz
Sun Apr 07, 2013 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your favorite source of historical data
Replies: 16
Views: 942

Re: Why Index Funds Get Better with Age

Thanks for posting my article on the Bogleheads Guide Facebook page, Mel! :beer Rick Ferri Great article showing why investors should use index funds in their portfolio to gain financial independence. I thought it should be read by every investor I could reach, Rick, so I also posted it on Mornings...
by Barry Barnitz
Fri Apr 05, 2013 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why Index Funds Get Better with Age
Replies: 7
Views: 2036

Now in Wiki: SPIVA scorecards

Hi: We have a new page in the wiki devoted to providing a consolidation of S&P SPIVA scorecard reports. S&P Indices Versus Active (SPIVA®) measures the performance of actively managed funds against their relevant S&P index benchmarks.[1] SPIVA scorecard reports have been issued covering ...
by Barry Barnitz
Thu Apr 04, 2013 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Now in Wiki: SPIVA scorecards
Replies: 1
Views: 148

Re: Dunn's Law is Alive and Well

Hi Taylor:

You might find these articles from William Bernstein's Efficient Frontier to be helpful:

Efficient Frontier
The Dunn�s Law Review
Dunn�s Law Review�Foreign Funds

regards,
by Barry Barnitz
Thu Mar 28, 2013 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Dunn's Law is Alive and Well
Replies: 10
Views: 1374

Re: Vanguard yearly return data < 2003?

Hi: You can laboriously gather historical data for Vanguard funds through the SEC EDGAR filing system. Here is the link: Vanguard . Fund returns can be accessed through the annual report filings. For years prior to 2003 you will need to search for the N-30D reports. (Here is an example of such a sea...
by Barry Barnitz
Thu Mar 28, 2013 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard yearly return data < 2003?
Replies: 1
Views: 209

Now in Wiki: Help for Taiwan Bogleheads

Hi: With the expansion of Bogleheadism (sic) to the investing public of Taiwan (see the upcoming Taiwan Bogleheads Conference ) I have attempted to provide some hopefully helpful resources for Taiwan investors in a number of wiki pages. These new wiki pages provide information on Taiwan benchmark in...
by Barry Barnitz
Wed Mar 27, 2013 4:31 am
 
Forum: Investing - Theory, News & General
Topic: Now in Wiki: Help for Taiwan Bogleheads
Replies: 1
Views: 158

Re: Vanguard Target Retirement Funds adding International Bo

Hi: In the Prospectus and Statement of Additional Information section of the Vanguard Preliminary Prospectus for the International bond index funds (May 2013) , we have the following: As of January •, 2013, the target index for the Vanguard Total International Bond Fund held a substantial percentage...
by Barry Barnitz
Tue Mar 26, 2013 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds adding International Bonds
Replies: 27
Views: 2471

Vanguard's principles for investing success

Hi: Vanguard Institutional has recently published a 40 page whitepaper, Vanguard's principles for investing success, where the fundamental principles of investment planning are examined from the Vanguard perspective. Link: Vanguard's principles for investing success , Vanguard Institutional, 03/07/2...
by Barry Barnitz
Sun Mar 24, 2013 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's principles for investing success
Replies: 5
Views: 952

Re: Burton Malkiel, Wealthfront CIO

Hi: March 21 2012 Malkiel interview at index.universe.com. : Malkiel: Dividend & EM Bond ETFs Place To Be Burton Malkiel, the Princeton economics professor emeritus and author of the index investing classic “A Random Walk Down Wall Street,” had a lot to say about the perils of relying on U.S. Tr...
by Barry Barnitz
Sat Mar 23, 2013 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel, Wealthfront CIO
Replies: 74
Views: 5499

Recent papers: International Real Estate

Hi: Two recent academic papers regarding International real estate. 1. Gallo, John G., Lockwood, Larry J. and Zhang, Ying, Structuring Global Property Portfolios: A Cointegration Approach. Journal of Real Estate Research, Vol. 35, No. 1, 2013. Available at SSRN: http://ssrn.com/abstract=2236254 Abst...
by Barry Barnitz
Sat Mar 23, 2013 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Recent papers: International Real Estate
Replies: 0
Views: 224

Re: Happy 15th birthday Diehards (Bogleheads)

Hi:

Documentation of historical highlights can be found at The Bogleheads® - Bogleheads.

regards,
by Barry Barnitz
Wed Mar 20, 2013 4:40 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 15th birthday Diehards (Bogleheads)
Replies: 15
Views: 877

Re: Vanguard LifeStrategy fund rebalancing

Hi:

See the wiki for historical tax information regarding the LifeStrategy funds :Vanguard LifeStrategy Fund Tax Distributions - Bogleheads.

regards,
by Barry Barnitz
Mon Mar 18, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy fund rebalancing
Replies: 3
Views: 576

Re: Fidelity's ETF Fee Spurs a Backlash

Hi: An additional link: BlackRock, Fidelity Launch ETF Partnership BlackRock, the owner of the world’s biggest ETF company, iShares, agreed to help Fidelity Investments’ in its much-anticipated efforts to become a much bigger player in the fast-growing world of index exchange-traded funds. Also, Fid...
by Barry Barnitz
Fri Mar 15, 2013 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity's ETF Fee Spurs a Backlash
Replies: 28
Views: 3335

Re: Norway: The New Yale?

Hi Eric: You might enjoy the following: Chambers, David, Dimson, Elroy and Ilmanen, Antti S., The Norway Model (October 10, 2011). Available at SSRN: http://ssrn.com/abstract=1936806 or http://dx.doi.org/10.2139/ssrn.1936806 Abstract: The Norwegian Government Pension Fund Global was recently ranked ...
by Barry Barnitz
Tue Mar 12, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Norway: The New Yale?
Replies: 21
Views: 2961

Re: Taiwan Local Chapter

Hi: As an aid to getting started, I have created a template and category for any future Taiwan related pages in the wiki: Category:Taiwan - Bogleheads Some quick search links: Taiwan Stock Exchange (TWSE) (english) FTSE TWSE Taiwan 50 Index (english) FTSE Taiwan index series Central Bank of the Rep...
by Barry Barnitz
Sat Mar 09, 2013 7:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 38
Views: 2575

Re: Life Strategy Moderate or 3 Index Funs?

Keep in mind that today's Vanguard Life Strategy funds will be changing in the near future with the addition of Vanguard's hedged international bond fund. Ditto for Target Retirement funds. Change will be sometime after May 2013. Thanks for the heads up! Any opinions of this change? Does anyone kno...
by Barry Barnitz
Sat Mar 09, 2013 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Moderate or 3 Index Funs?
Replies: 17
Views: 1172

Re: Taiwan Local Chapter

Hi: As an aid to getting started, I have created a template and category for any future Taiwan related pages in the wiki: Category:Taiwan - Bogleheads Some quick search links: Taiwan Stock Exchange (TWSE) (english) FTSE TWSE Taiwan 50 Index (english) FTSE Taiwan index series Central Bank of the Repu...
by Barry Barnitz
Thu Mar 07, 2013 4:03 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 38
Views: 2575

Re: Does Vanguard hide fees?

Hi:

Regarding Vanguard brokerage commission expense, we have a wiki page that provides some recent data.

Vanguard 2011 brokerage commission expense - Bogleheads.

regards,
by Barry Barnitz
Mon Mar 04, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard hide fees?
Replies: 45
Views: 3827

Re: Does Vanguard hide fees?

Eric: Your return numbers are valid if future inflation is 0%. However, if real asset class returns= nominal returns - inflation, then the after tax numbers will shift: At 2% inflation, assuming a 25% tax rate (imposing a .5% tax bite): 37.5% of return is lost to taxes in scenario one 42.8% of retur...
by Barry Barnitz
Mon Mar 04, 2013 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard hide fees?
Replies: 45
Views: 3827

Re: "The Affluent Investor." A Gem

magician wrote:
"Annual income 20 pounds, annual expenditure 19.6, result happiness. Annual income 20 pounds, annual expenditure 20.6, result misery."

I recall reading this somewhere . . . .


Spoken by Wilkins Micawber in Charles Dicken's David Copperfield.

regards,
by Barry Barnitz
Mon Mar 04, 2013 4:21 am
 
Forum: Investing - Theory, News & General
Topic: "The Affluent Investor." A Gem
Replies: 27
Views: 6510

Re: Suggestions for the Wiki

From Subject: Join the Wiki! : Maybe not the correct place for this, but I've been curious if the "MRD Suspended for 2009" section that appears on so many pages is still relevant. It's on basically every page that talks about a vehicle with a MRD. This section is used IRA Distribution Tab...
by Barry Barnitz
Sat Feb 23, 2013 2:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 195
Views: 49129

Re: Filing Japanese tax returns (確定申告)

Hi bpp and Karamatsu:

I have created a footnote entry for this thread in the Investing in Japan wiki page: Investing in Japan - Bogleheads.

Thanks,
by Barry Barnitz
Fri Feb 22, 2013 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing Japanese tax returns (確定申告)
Replies: 13
Views: 1338

Re: TheFinanceBuff article on bonds [Invest in Long-Term Now

Hi Larry et al: In the wiki, we have a page devoted to historical Vanguard Municipal bond fund tracking error. In footnote 4 we have a spreadsheet devoted to the Vanguard Long Term Municipal bond fund. The "duration" tab of this sheet provides the duration of both fund and index benchmark ...
by Barry Barnitz
Tue Feb 19, 2013 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: TheFinanceBuff article on bonds [Invest in Long-Term Now?]
Replies: 22
Views: 1959

Re: Shakespearean take on diversification

Hi: Portia's address to Shylock: The Merchant of Venice by William Shakespeare - Portia's speech Portia asks Shylock for mercy.Antonio's ship is lost so he cannot pay. Shylock brings Antonio to court for his pound of flesh. Portia dresses up as a lawyer to defend Antonio. This is her first speech to...
by Barry Barnitz
Mon Feb 11, 2013 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Shakespearean take on diversification
Replies: 47
Views: 2096

Re: Target Retirement Funds to add international bonds

Vanguard Target Date Funds are "set it and forget it" funds until Vanguard changes its mind. In that sense, they are just a different version of a managed fund, where the manager (Vanguard) can change the allocation at any time. Not enough stocks, change the allocation. No tips, change th...
by Barry Barnitz
Sat Feb 09, 2013 6:20 am
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 7649

Vanguard:Getting up to speed on the benchmark changes

Hi: Vanguard Institutional has a page devoted to the on-going shift of index funds to benchmarks provided by CRSP and FTSE. Here is the link: Getting up to speed on benchmark changes . Topics include: *An overview of the changes. *Vanguard's views about transaction costs, tracking error, and the pot...
by Barry Barnitz
Sun Feb 03, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard:Getting up to speed on the benchmark changes
Replies: 3
Views: 433

Re: Rule #6- Chose index funds (questioning the Math)

All, Thanks for the additional feedback. I especially liked the link to the paper by Sharpe. My final personal conclusion is that it is theroretically possible for the average fund to beat index funds (even after costs), but it probally doesnt matter for two reasons: 1- As many people have pointed ...
by Barry Barnitz
Sun Feb 03, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rule #6- Chose index funds (questioning the Math)
Replies: 41
Views: 2837
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