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Re: Could your spouse manage your portfolio?

Does anyone have any experiences with Vanguard's advisory services? Although I use a simple five-fund variation of Taylor's three (now four?) index fund portfolio, my wife still wouldn't be able to deal with allocation questions as things change and she ages. My hope is that she could just call Vang...
by BetaBreaker
Sat Aug 17, 2013 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Could your spouse manage your portfolio?
Replies: 62
Views: 3872

VIG OK In Taxable?

Does Vanguard's Dividend Appreciation ETF (VIG) work in a taxable account? Is there much of a trade off with Total Stock Market (VTI)? I ask for my father, who is a conservative investor, and he seems to prefer VIG.
by BetaBreaker
Sun Jun 30, 2013 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIG OK In Taxable?
Replies: 2
Views: 526

Re: Emerging Markets Fund Whipping VWO

Interesting observation. When comparing the cheaper, new version of the iShares MSCI Emerging Markets ETF, it has lost less this year than Vanguard's emerging markets funds that switched to FTSE from MSCI. That explains some of the performance differences, since it makes sense that the switch in por...
by BetaBreaker
Thu Jun 27, 2013 1:06 am
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets Fund Whipping VWO
Replies: 10
Views: 1664

Emerging Markets Fund Whipping VWO

How should a die-hard indexer view the early performance numbers for Vanguard's new actively managed emerging markets fund (VMMSX)? In the past year, it has beaten the Vanguard Emerging Markets Index Fund (VEIEX), 6.9% vs. 1.3% (looking at Morningstar numbers on the site). This year it has lost abou...
by BetaBreaker
Wed Jun 26, 2013 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets Fund Whipping VWO
Replies: 10
Views: 1664

Re: Bogle: Too Much In Bonds

Please don't take this post as a reason to question Bogle's integrity, either ethically or intellectually. His record speaks for itself. It makes no sense that he'd suddenly start pandering to prevailing market winds. The article isn't very informative, but touches on some interesting topics. Again,...
by BetaBreaker
Thu Jun 13, 2013 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Too Much In Bonds
Replies: 115
Views: 10057

Bogle: Too Much In Bonds

Did anyone see this article? It says that John Bogle is concerned that too many retirees might be overlooking Social Security as an income source in developing allocations. He also is quoted saying that they should pay more attention to dividend paying stocks.The headline implies that he thinks reti...
by BetaBreaker
Thu Jun 13, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Too Much In Bonds
Replies: 115
Views: 10057

Re: Couch Potato Portfolios

Would it be appropriate to substitute the Vanguard Balance Fund (VBINX) for Total Stock and Total Bond and adding Total International to create a two-fund portfolio? It might be neat to see an international version of VBINX -- create a complete global portfolio with two funds.
by BetaBreaker
Sun Jun 02, 2013 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Couch Potato Portfolios
Replies: 14
Views: 2687

Re: Argument for a 100% stock allocation for 20 yr horizon

An advisor in the Bay Area this morning wrote a column in the local paper that people with 10 years or more shouldn't mess with bonds. He has been pro-Vanguard and index funds in the past. His argument for 100% stocks basically seems to come down to looking at investing as a lifetime endeavor, not j...
by BetaBreaker
Sun Jun 02, 2013 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Argument for a 100% stock allocation for 20 yr horizon
Replies: 112
Views: 8438

Re: Why is Total Int'l Lagging So Much?

OK, probably over thinking this ... is a very short period to compare. Appreciate your views.
by BetaBreaker
Fri May 24, 2013 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Why is Total Int'l Lagging So Much?
Replies: 10
Views: 1868

Why is Total Int'l Lagging So Much?

Just looking at the returns over the past year, it seems Total Stock Market Index is really falling behind. Anyone have any thoughts, or am I looking at this incorrectly? -- Vanguard Total International (VGTSX) has gained: YTD: 7.8% 12 months: 27.5% 3 years: 10.9% (doesn't this include the old syste...
by BetaBreaker
Thu May 23, 2013 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is Total Int'l Lagging So Much?
Replies: 10
Views: 1868

Time to lower bond durations?

Are you keeping your bond portfolio durations similar to the Total Bond Market Fund's 5.3ish years? Or, do you see moving it a bit lower worthwhile?
by BetaBreaker
Sun May 12, 2013 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Time to lower bond durations?
Replies: 2
Views: 515

Re: Ferri's 60-20-20 Bond Portfolio

Or, another way to look at it (Ferri Vs. Total Bond):
-- Treasury/Agency: 30.5% (with TIPS) vs. 44.1%
-- Corporates: 17.9% (with high-yield) vs. 23%
-- MBS: 15.9% vs. 26.2%
(Not sure how to classify foreign)
by BetaBreaker
Sat Apr 20, 2013 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 5004

Re: Ferri's 60-20-20 Bond Portfolio

Using .6 and .2 as multipliers, the Ferri 60-20-20 portfolio came up with: Treasury/Agency: 26.5% Government Mortgage-Backed: 14.5% Industrials: 7.6% Finance: 4.7% High-Yield Corporate: 4% TIPS: 4% Foreign: 3.4% Utilities: 1.6% Commercial Mortgage-Backed: 1.2% Asset-backed: 0.2% Of course, Total Bon...
by BetaBreaker
Sat Apr 20, 2013 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 5004

Ferri's 60-20-20 Bond Portfolio

In a recent discussion about the oddities of the Barclays Aggregate Bond Index used by the Total Bond funds, Rick Ferri mentioned a possible way to get around its 70% (approx) in government bonds. I believe his suggestion was the following: -- 60% in the Total Bond Market Index Fund -- 20% in the Va...
by BetaBreaker
Sat Apr 20, 2013 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Ferri's 60-20-20 Bond Portfolio
Replies: 43
Views: 5004

WellsTrade Changing Its Tune?

Just wondering ... has Wells Fargo's self-directed brokerage service changed? I read somewhere that they're consolidating under the Wells Fargo Advisors umbrella, but does that mean no more commission free ETF trades? Hope everything is still a "good deal" over there ...
by BetaBreaker
Sun Dec 23, 2012 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: WellsTrade Changing Its Tune?
Replies: 51
Views: 5552

Re: How Much of a Tilt to Corp. Bonds?

Just exploring some of Morningstar's risk metrics, here are the Standard Deviation and Sharpe Ratio figures listed for the following bond funds over the past 10 years: VBIIX: SD -- 5.65; SR -- 0.83 VFICX: SD -- 5.40; SR -- 0.83 VBMFX: SD-- 3.64; SR -- 0.94 VWEHX (High-Yield Corporate): SD -- 9.12; S...
by BetaBreaker
Sun Nov 25, 2012 12:35 am
 
Forum: Investing - Theory, News & General
Topic: How Much of a Tilt to Corp. Bonds?
Replies: 15
Views: 1624

Re: How Much of a Tilt to Corp. Bonds?

Thanks everyone ... now I'm really confused! My father once said: "Government bonds are for those already blessed with wealth. Corporates are for the rest of us struggling to make enough to live comfortably." Until recently, I've looked at high-grade corporate bond funds like VFICX as a ba...
by BetaBreaker
Sat Nov 24, 2012 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: How Much of a Tilt to Corp. Bonds?
Replies: 15
Views: 1624

Re: Seeking advice on bond allocation

Here's an old analysis (2007) of Orman's investment advice that still resonates:
http://www.marketwatch.com/story/outing ... -portfolio
by BetaBreaker
Sat Nov 24, 2012 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on bond allocation
Replies: 25
Views: 1724

How Much of a Tilt to Corp. Bonds?

Just wondering how you split bond allocations between investment-grade corporates and U.S. Treasury/govt. funds? We're using a blend of about 60% (of our bond portfolio) in the Vanguard Total Bond ETF(BND) and about 40% in the Vanguard Investment-Grade Intermediate Term Fund (VFICX). We've got a lon...
by BetaBreaker
Fri Nov 23, 2012 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: How Much of a Tilt to Corp. Bonds?
Replies: 15
Views: 1624

Re: Drooling over international

Has anyone pointed out that the referenced Vanguard paper based its conclusions on the premise that international and domestic stocks will increase in value at about the same rate over time? That's a pretty static baseline to set, and offers an academic approach that might prove too general to apply...
by BetaBreaker
Fri Nov 23, 2012 3:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Drooling over international
Replies: 61
Views: 6689

Re: Living In A Depreciating Housing Market

Thanks for all the replies, even the attempts at humor. We're not old fogies who are ranting against pot smoking ... that doesn't matter. As someone pointed out, it's the partying late on weeknights. We just try to work hard and do well at our jobs, which is difficult living under these kind of cond...
by BetaBreaker
Tue Nov 06, 2012 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living In A Depreciating Housing Market
Replies: 12
Views: 1242

Living In A Depreciating Housing Market

We live in a small townhouse community in the Bay Area that was once very lovely. But it has been rocked by the mortgage downturn. Many of the original owners sold at the market's height to people like our last long-term neighbor, who bought the adjoining home at more than double what we paid for ou...
by BetaBreaker
Tue Nov 06, 2012 12:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Living In A Depreciating Housing Market
Replies: 12
Views: 1242

Re: Oregon Muni-bond fund?

That makes sense, thanks for the clarification, Grabiner. The differences in expense ratios does make a huge impact ... but wouldn't the after-tax differences of a Vanguard nat'l muni vs. an Oregon muni fund also over time be highly dependent on changes in tax rates as well as interest rates? I'm ju...
by BetaBreaker
Sun Apr 15, 2012 2:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Oregon Muni-bond fund?
Replies: 24
Views: 1911

Re: Oregon Muni-bond fund?

The Columbia Oregon muni fund (CMBFX) is closed to new investors ... it also appears to be a transaction fee fund at Vanguard. I haven't been able to find a no-load fund that's open, either ... instead, we worked with Vanguard's excellent bond desk to put together a portfolio of Oregon bonds ... jus...
by BetaBreaker
Tue Apr 10, 2012 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Oregon Muni-bond fund?
Replies: 24
Views: 1911

Beware If You Change Your Mind

We've just decided to go elsewhere for a variety of reasons, many already mentioned here. We just completed transferring our WellsTrade accounts. It went pretty smoothly, but I'll warn you -- they charged us $99 as a "termination fee." Normally, I wouldn't complain. Many places charge arou...
by BetaBreaker
Sun Feb 19, 2012 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellstrade PMA Wells Fargo feedback and tips?
Replies: 33
Views: 2147

Have REITs Lost Their Diversification Benefits?

The following article linked below points to short-term valuation concerns about REITs. But of more interest is an argument that the diversification benefits of the sector is somewhat diminished for long-term investors. Also linked below is an earlier article by Morningstar arguing that since 2001 w...
by BetaBreaker
Sat Feb 18, 2012 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have REITs Lost Their Diversification Benefits?
Replies: 28
Views: 2647

Re: Traditional IRA Vs. Brokerage Account?

Thanks everyone for the comments ... I realize without more specifics it's difficult. But I've learned a lot and you folks have brought up some interesting questions that I'm going to pose to my accountant. Thanks again ...
by BetaBreaker
Sun Jan 08, 2012 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Vs. Brokerage Account?
Replies: 9
Views: 613

Re: Traditional IRA Vs. Brokerage Account?

Yes, we're maxing out our 401(K)s ...
by BetaBreaker
Sat Jan 07, 2012 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Vs. Brokerage Account?
Replies: 9
Views: 613

Re: Traditional IRA Vs. Brokerage Account?

RF, I like that idea, thanks. I just had a chance to run this by our accountant, and he told me that for some complicated reasons dealing with our individual circumstances, it'd be difficult. He's suggesting we choose between a Traditional IRA and a brokerage account. He's not a big fan of tradition...
by BetaBreaker
Sat Jan 07, 2012 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Vs. Brokerage Account?
Replies: 9
Views: 613

Traditional IRA Vs. Brokerage Account?

We've surpassed the income limit for contributing in our Roth IRAs. I was listening to Ric Edelman on the radio and he's opposed to using traditional IRAs. He didn't explain why ... I'm just wondering if it'd be better as a long-term investor still in the accumulation phase and a long way off from r...
by BetaBreaker
Sat Jan 07, 2012 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Vs. Brokerage Account?
Replies: 9
Views: 613

Bonds In the Mix

Thanks .... Yes, I should've explained more fully ... he already has 70% in bonds, mainly through a Vanguard annuity and an IRA. His taxable account is also full of munis (there aren't any no-load muni funds for his state, which has a high tax rate). So we've already met his bond allocation ... with...
by BetaBreaker
Fri Aug 20, 2010 2:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help With Father's Retirement Portfolio
Replies: 2
Views: 626

Help With Father's Retirement Portfolio

My father is 86 years young, quite healthy and looks forward to living many, many more years. But I'm concerned that a broker is recommending he put his taxable account money allocated to stocks into three tax-managed funds. I don't doubt the funds are good ... they're each from Vanguard (VMCAX, VTM...
by BetaBreaker
Fri Aug 20, 2010 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Help With Father's Retirement Portfolio
Replies: 2
Views: 626

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