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Re: TBM too much treasury?

So apparently there are orthodox and reformed Bogleheads... who knew? Sorry I fell out of my chair laughing. :happy :sharebeer :sharebeer I calls em as I sees em. I still say I am funnier than my girlfriend will give me credit for. To all of the above, I wrestled with the bond question myself. I th...
by Bubbagump
Tue Oct 21, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4108

Re: Are Vanguard's target-retirement funds too aggressive?

Keep in mind those funds are generalizations and their end dates span 10 years (+/-5 years either way) then at the retirement point, they gradually shift even more to bonds and add TIPS. It all depends what you believe. You will likely see less risk with age in bonds, but some folks are fine with ag...
by Bubbagump
Fri Oct 17, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1704

Re: TBM too much treasury?

So apparently there are orthodox and reformed Bogleheads... who knew?
by Bubbagump
Thu Oct 16, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4108

Re: TLH Please double-check my counting

I thought I saw a reply to this and then saw it disappear a second later. Any who... when you talk about the dividend on 9/23, are you talking about a dividend that was used to buy more shares (reinvested) or a dividend that was paid out?
by Bubbagump
Thu Oct 16, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Please double-check my counting
Replies: 4
Views: 368

Re: What happened to the audiophile?[High quality music sour

What in the world is this thread about? Vinyl is as popular as it has ever been in 30 years (though you're foolish g yourself if you think it is somehow better... You simply like the sound of the difference in master), there is no shortage of boutique speakers and amps costing $10s of thousands , an...
by Bubbagump
Wed Oct 15, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3679

Re: vtclx vs. vti [Tax Managed Cap Appreciation vs. Total St

Unless you are in a very high tax bracket VTI/VTSMX/VTSAX are extremely tax efficient already. Plus, you get the advantage of small cap in those funds. Really, except for TLH reasons or some institutional use I have a hard time thinking of a great use for VTCLX for individuals.
by Bubbagump
Tue Oct 14, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: vtclx vs. vti [Tax Managed Cap Appreciation vs. Total Stock]
Replies: 5
Views: 294

Re: Antique jewelry?

Definitely a keeper. This is why I want to get her something a little out of the norm. Special ring for a special girl and none of the DeBeers silliness. I don't see her being a daily wearer either (early childhood education type... Aka a ring would be lost in a sand box or playdough), so the other ...
by Bubbagump
Tue Oct 14, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Antique jewelry?
Replies: 10
Views: 802

Re: How TIPS work

Mostly this: http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield Keep in mind this stuff changes daily. Your bond price changes accordingly. So some subsection of the bonds in the fund lost NAV as yields went up assuming you had the ability to ...
by Bubbagump
Tue Oct 14, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 970

Re: Antique jewelry?

If you want something different you might look at getting a synthetic Alexandrite stone and having a ring made. What is unusual about this is that depending on the light type(daylight or incandescent) it appears to be different colors, typically green or a purplish red. That is interesting as I hav...
by Bubbagump
Tue Oct 14, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Antique jewelry?
Replies: 10
Views: 802

Re: How TIPS work

This is all very enlightening as I had the impression that TIPS ONLY covered inflation... they essentially were an inflation adjusted constant dollar money market. Now the 50/50 TBM/TIPS folks make a whole lot more sense. TBM is ~60% Fed bonds... so at 50% TIPs to 50% TBM in your fixed income alloca...
by Bubbagump
Tue Oct 14, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 970

Re: How TIPS work

So there is a real yield in addition to the inflation adjustment? So it seems my first though was correct. TIPS are just Treasuries that adjust for inflation dynamically? As opposed to a built in static inflation estimate at time of purchase? Or said another way.... A yield on a nominal 10 year trea...
by Bubbagump
Mon Oct 13, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 970

How TIPS work

So I understand TIPs adjust according to inflation and the CPI. What I don't follow is do they pay a yield beyond this? Are they just Treasuries with variable inflation protection (versus an estimate of inflation built in). Or are they more like a money market with inflation protection ie: they are ...
by Bubbagump
Mon Oct 13, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 970

Re: Tax loss harvesting

FWIW, I took the opportunity to exchange VTIAX for VFWAX and set a calendar reminder for Nov 15 to flip things back to VTIAX on a bunch of short term lots. It was post 9/23 dividend and about a $4k loss. I hope I did well here.
by Bubbagump
Mon Oct 13, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Antique jewelry?

I figure this is a good a place to ask as any, but my girlfriend (hopefully soon to be fiancé) is pretty against diamonds (especially new) for various moral and thrift reasons. My question is, where does one find an honest antique dealer? Is there anyone online? Pawn shops just seem... wrong. As she...
by Bubbagump
Mon Oct 13, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Antique jewelry?
Replies: 10
Views: 802

Re: Read too many books... help untangle

I was in your shoes just a month ago. Read too many things and got paralyzed in implementing anything. I was torn between lumpsum (for its simplicity) and S&D (for its extra returns over lumpsum) because of conflicting advice from books that came to regard highly of. Thats when i picked up the ...
by Bubbagump
Sun Oct 05, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 3931

Re: New IPO

Might be a good time to a quick IPO 101. (note: I haven't been involved in these in a few years, so others correct me if I get anything wrong) ... The problem is you, as a small investor, just don't have any transparency into all the maneuvering laid out above. A good company at a bad price is not ...
by Bubbagump
Sat Oct 04, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New IPO
Replies: 9
Views: 470

Re: Shiller: Anxiety Driving up the Stock Market

It could also be that the economy is getting better as joblessness is down, earnings up, etc. Shiller seems more quackish the more I hear from him.
by Bubbagump
Sat Oct 04, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: Anxiety Driving up the Stock Market
Replies: 42
Views: 4601

Re: When companies go public

Sure, brokers are supposed to sell, sell, sell the IPO shares and make people want to buy shares in worthless companies via spin, spin, spin. Then after the investment bankers and company officers have everybody's money, realit sets in and the shares drop in value. Absolutely. Just think: If a comp...
by Bubbagump
Thu Oct 02, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: When companies go public
Replies: 6
Views: 394

Re: Read too many books... help untangle

OK. I will simplify it, since I love the bubba gump model of existence: Hah, soon you can find me on the top of a mountain in the Himalayas in deep contemplation. This has all been a very good conversation. I think to folks who are perhaps more novice, they see all of these things thrown around and...
by Bubbagump
Mon Sep 29, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 3931

Re: Read too many books... help untangle

All good input and I think the problem I am running into is the "belief" portion. So I am right. This is somewhat religious as I am afraid this is a bit of a soft science. What I do know I believe: Costs matter Active investments = gambling Rebalance Market timing is playing with fire Buy ...
by Bubbagump
Sat Sep 27, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 3931

Read too many books... help untangle

So I have been a knee deep in books over the past month (and juxtaposing with what I read here) or so trying to plan a portfolio for post business exit and it seems I have thoroughly confused myself. It seems there is a lot of contradiction out there, but maybe I just see it as contradiction. It see...
by Bubbagump
Sat Sep 27, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 48
Views: 3931

Re: Early retirement help

I know this is an old thread, but the chickens have come back to roost so to speak. Is there any value in doing a DCA with the pay out? Say buy in 2mil at a time every 4 months? Or is that ridiculous market timing think?
by Bubbagump
Wed Sep 17, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 11
Views: 1417

Re: rebalancing spreadsheet

I have a fairly complex (complex for me, at least) spreadsheet that I developed over a ten-year or so period that I am sort of proud of. I am not sure how to post it here, however, and I am reluctant to post it with my actual balances. Just save a copy with $1 in the places you have balance numbers...
by Bubbagump
Tue Sep 09, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing spreadsheet
Replies: 11
Views: 793

Re: Drawing down a windfall...

This could be a handy tool: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf But as was previously mentioned and this tool confirms, 2-2.5% withdrawal rates are about as far as you can push things and never draw down your nest egg. I am looking at a li...
by Bubbagump
Mon Sep 08, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4243

Re: Poor Janus, a look at this once high flying fund family

IlikeJackB wrote:Brings back memories of my pre-boglehead days. :oops:



Sigh, indeed. I was in early college at the time and thought I was doing my diligence in savings. This along with Microstrategies stock in a brokerage account put me off investing for a good while.
by Bubbagump
Thu Sep 04, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7587

Re: Tax loss harvesting

Wow, this has turned out to be an incredibly helpful thread. Perhaps a wiki update with some of these points is in order?
by Bubbagump
Thu Aug 28, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Re: Tax loss harvesting

Here are my TLH tips: http://www.bogleheads.org/forum/viewtopic.php?p=191615#p191615 http://www.bogleheads.org/forum/viewtopic.php?p=1556634#p1556634 http://www.bogleheads.org/forum/viewtopic.php?p=747133#p747133 and so on. Interesting. You are pretty adamant about NOT letting things become a long ...
by Bubbagump
Thu Aug 28, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Re: Tax loss harvesting

It turns out that TLH is easier with Vanguard mutual funds than with ETFs. For instance, my last TLH with Vanguard funds was a simple exchange of shares of Total Stock Market Index fund into Large-cap Index fund. Can I ask you if you have exchanged funds at Vanguard before? How hard was it? Not dif...
by Bubbagump
Thu Aug 28, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Re: Tax loss harvesting

4. Since most years in the stock market are up, one should not have much TLHing to do … perhaps a little bit every 3 years or so. However, 2008-2009 was special, as was 2000. this is the biggest drawback to TLH that I have encountered since I learned about it 8 months ago. Occasionally I would buy ...
by Bubbagump
Thu Aug 28, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Re: Tax loss harvesting

So it sounds like I mostly get it. The $3k is what is throwing me. What is that all about? I read the wiki like 5 times and still don't know what that is. It seems the sticking point is regular income. So am I to understand that you take a write off at a 15/20% rate, but the first $3k against standa...
by Bubbagump
Wed Aug 27, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Tax loss harvesting

I understand what tax loss harvesting is. What I don't understand is what the real benefit is for the trouble. So to make sure I have my theory correct... Say we have a down year on the domestic market. Before the end of the tax year, I would sell say a total stock market index and either sit on the...
by Bubbagump
Wed Aug 27, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1868

Re: What is your experience managing a 8 or 9 digit portfoli

I would say the biggest and really only difference on the investment side of things is being a bit more clever regarding tax efficiency. You will be in a high tax bracket so munis to round out your bond allocation in a taxable account. As for first and second hand... I spoke with the big shots on a ...
by Bubbagump
Mon Aug 25, 2014 2:12 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your experience managing a 8 or 9 digit portfolio
Replies: 11
Views: 2307

Re: Muni vs TIPS vs TBM

80% equities is more than enough inflation-protection... Are stocks really a hedge against inflation? http://inflationdata.com/articles/2012/01/21/inflation-stock-market-correlation/ http://www.cbsnews.com/news/how-inflation-affects-the-stock-market/ Seems to say there is not a tight correlation. R...
by Bubbagump
Mon Aug 25, 2014 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1292

Re: Muni vs TIPS vs TBM

This helps a lot. It seems every time I get into these mental gymnastics, the simple answer generally prevails. So it seems VOHIX is not worth it considering the actual tax calculation in Ohio versus its yield and added risk (aka, I'll take my risk on the equity side). It seems TIPS may be worth loo...
by Bubbagump
Sun Aug 24, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1292

Re: Muni vs TIPS vs TBM

I found this http://www.bogleheads.org/forum/viewtopic.php?t=60475 and it seems the VOHIX seems like a waste of time. Then I also found this http://www.forbes.com/sites/rickferri/2013/10/07/tips-on-tips/ which seems pretty convincing and jives with Vanguard more or less, that other link and Malkiel....
by Bubbagump
Sun Aug 24, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1292

Muni vs TIPS vs TBM

I have maxed out my tax free accounts and in order to keep my AA I need to start to put bonds into my taxable account. My current AA is 80/20 as I am 35 and ok being a bit aggressive. Up until now I have used a basic 3 fund portfolio -- 60% VTSAX, 20% VTIAX, 20% VBTLX. I am also in a high tax bracke...
by Bubbagump
Sun Aug 24, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs TIPS vs TBM
Replies: 9
Views: 1292

Re: Fixing grandma's portfolio

Indeed, I am digging into cost basis for each and as one might expect, these is little capital gains. 5.75% front load and 2.5% yearly fees take their toll apparently. Thanks for the 3 fund info, but well aware on that. I figured a 20/80 mix was the other alternative. Target Retirement Income seemed...
by Bubbagump
Mon Jul 07, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing grandma's portfolio
Replies: 7
Views: 951

Fixing grandma's portfolio

As the "investor" of the family I have been tasked with helping to clean up my grand mother's portfolio. She has investments in a mix of individual stocks and terribly expensive active funds. She is 90 years old and the goal here is income as I would imagine we are looking at 10 years maxi...
by Bubbagump
Sun Jul 06, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing grandma's portfolio
Replies: 7
Views: 951

Re: SIMPLE IRA versus Traditional

I am not one to forget. I passed my two years and am ready to execute. The investment planner dude the office used to setup the SIMPLE IRA was none too happy when I sent him a message telling him to start putting my money in the cheapest thing they have. He swears he'll change my mind and find activ...
by Bubbagump
Mon Apr 28, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1993

Re: Early retirement help

Man, and I thought this would be more exciting, Cayman Island, Swiss Bank sounding. Thank you for confirming my suspicions of this coming down to nothing fancy. :D I am not terribly worried about principal in that case as I figure standard rebalancing principles still apply. If bond rates go up, the...
by Bubbagump
Tue Dec 17, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 11
Views: 1417

Re: Early retirement help

A CD ladder seems perhaps too "safe". What is the down side of just 50% VBTLX (more or less going for a balanced AA)? I'll make 2.5% yield on VBTLX versus 1-1.5% in CDs and would still get taxed the same. Is there another advantage to CDs I am missing?
by Bubbagump
Tue Dec 17, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 11
Views: 1417

Early retirement help

I am in the middle of selling my business with the resultant take home of ~$10mil. I am 35 and looking to retire early... or at the very least not worry about a day job terribly much. (10 years of 80 hour weeks has been enough and I need a rest for at least a while.) Currently I have VTSAX, VTIAX, a...
by Bubbagump
Tue Dec 17, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 11
Views: 1417

Re: Pay down mortgage or invest?

This is interesting to me: http://www.hughchou.org/calc/payoff_v_borrow.cgi At least in my case, it was practically a wash. The real question is over the long haul, what can you expect your investment returns to realistically be as well as tax bracket? You really hope (assuming you are a wage earner...
by Bubbagump
Sun Sep 01, 2013 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or invest?
Replies: 15
Views: 2045

Re: SIMPLE IRA versus Traditional

Well, it sounds like right now I have to sit and wait as I am about 14 months into the 2 years. Even though I am losing to fees, get a decent enough managed fund and maybe make 10% in the mean time. Thanks a lot folks.
by Bubbagump
Fri May 10, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1993

Re: SIMPLE IRA versus Traditional

I read that before posting and I think I missed the point. The key paragraph is: With Form 5305-SIMPLE IRAs an employee should always seek to reduce transfer costs by selecting the lowest cost fund in the employer's plan for accumulating assets for transfer. In the case of load fund SIMPLE IRA's thi...
by Bubbagump
Fri May 10, 2013 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1993

SIMPLE IRA versus Traditional

My employer offers a SIMPLE IRA plan. Currently I am enrolled. Frankly the "adviser" we have is a creep and I trust him as far as Ic an throw him. That said, this got me thinking... I really want to get my retirement money into indexes, but of course the SIMPLE IRA doesn't offer low cost/p...
by Bubbagump
Fri May 10, 2013 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1993

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