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

BetaBreaker wrote:OK, probably over thinking this ... is a very short period to compare. Appreciate your views.


No, you are underthinking this. A + B does not necessarily equal C.
by Call_Me_Op
Fri May 24, 2013 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Why is Total Int'l Lagging So Much?
Replies: 10
Views: 1644

Giving Investment Advice

My brother recently came to me and asked if I could help him straighten-out his IRA, which was invested in a random hodge-podge of expensive funds. I recommended a 3-fund index portfolio, split evenly. He implemented it, and after a couple of weeks (after the recent stock-market run-up), he called m...
by Call_Me_Op
Fri May 24, 2013 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Giving Investment Advice
Replies: 11
Views: 635

Re: Bond Funds, Rising Interest Rates and Total Retun

Is there a correlation between rising interest rates and capital return in bond funds? jb Of course - is this a trick question? No. Bond funds have capital return and income return. When added together they become the total return. Just wondering if they are both effected the same by rising interes...
by Call_Me_Op
Thu May 23, 2013 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds, Rising Interest Rates and Total Retun
Replies: 4
Views: 383

Re: The costs of moving house.. bid offer spreads

Epsilon Delta wrote:So who gets the advantage of this "bid offer spread"?


Let's see - real estate agents, mortgage companies/banks, moving companies, furniture companies, drapery companies, cleaning services,....shall I go on?
by Call_Me_Op
Thu May 23, 2013 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: The costs of moving house.. bid offer spreads
Replies: 11
Views: 904

Re: Bond Funds, Rising Interest Rates and Total Retun

jb1934 wrote:Is there a correlation between rising interest rates and capital return in bond funds?
jb


Of course - is this a trick question?
by Call_Me_Op
Thu May 23, 2013 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds, Rising Interest Rates and Total Retun
Replies: 4
Views: 383

Re: 63yo moved 401k to 100% cash, how/when to restore AA?

Classic case of market timing. It doesn't work.
by Call_Me_Op
Thu May 23, 2013 8:26 am
 
Forum: Investing - Theory, News & General
Topic: 63yo moved 401k to 100% cash, how/when to restore AA?
Replies: 32
Views: 2899

Re: Bogle on Soc Sec/Fixed Income and Asset Allocation

I like to allocate without consideration to Social Security. If it comes to fruition, it will be treated as found money. That is the conservative approach.
by Call_Me_Op
Thu May 23, 2013 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogle on Soc Sec/Fixed Income and Asset Allocation
Replies: 28
Views: 1558

Re: I'm Bullish on Bonds

In my view, thinking in terms of bonds versus no bonds is flawed. Really, assets should be dichotomized into risky and safe categories. In the risky category, we have equities and perhaps real estate. The safe category can include high-quality short-term bonds and even high-quality intermediate bond...
by Call_Me_Op
Wed May 22, 2013 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Bullish on Bonds
Replies: 83
Views: 6290

Re: Is This Correct About International Equities

Basing broad asset-class conclusions on observation of the past 10 years is a flawed approach.
by Call_Me_Op
Wed May 22, 2013 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Is This Correct About International Equities
Replies: 29
Views: 1511

Re: Look at all the pretty colored [BOND] boxes.

Most of those pretty colored boxes have positive return numbers because rates have been falling over that time period. How will you feel about the pretty little boxes when all of the return numbers have minus signs in front of them?
by Call_Me_Op
Sat May 18, 2013 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 11
Views: 1009

Re: How to file for divorce?

Curly, Sounds like you put in a reasonable effort to make things work. I have always had a problem with the concept of a vow that can be broken. Maybe the vow should be removed from the ceremony, so that it is clear to everyone involved the marriage is really a legal contract subject to various term...
by Call_Me_Op
Fri May 17, 2013 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2364

Re: How to file for divorce?

I suggest simple things like marriage counseling, church counseling or a self-help course from landmark education. I have seen all three save a marriage. Why in the name of God would she want to save this marriage? The man is bringing her down. Without him changing how could this be salvaged? I gue...
by Call_Me_Op
Fri May 17, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to file for divorce?
Replies: 33
Views: 2364

Re: rebalancing

I am in a balanced fund so really don't have to worry about rebalancing. When the market tanks as it did in 2008, those who are in individual stock and bond funds and maintain their AA actually seem to have an advantage because they can buy more of the decreasing asset and sell more of the increasi...
by Call_Me_Op
Thu May 16, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing
Replies: 6
Views: 289

Re: Protecting Gains

I'd sell half.
by Call_Me_Op
Thu May 16, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Protecting Gains
Replies: 21
Views: 1492

Re: Another worried bond investor

My reasoning is that if interest rates rise, which they are almost certain to do at some point , my principal is protected. I am also considering dividend paying stocks but for an entirely different reason. My thought there us that if the stock declines in value I still have the dividends. Until th...
by Call_Me_Op
Wed May 15, 2013 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another worried bond investor
Replies: 50
Views: 2742

Re: THANKS, BOGLEHEADS, FROM JACK BOGLE

Jack,

Happy Birthday, and continue to stand on principle...even if (in some situations it seems that) you stand alone.
by Call_Me_Op
Wed May 15, 2013 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 4845

Re: 3-funds portfolio - but not the time for Bonds?

Rising rates are good for long-term holders of intermediate bond funds.
by Call_Me_Op
Tue May 14, 2013 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: 3-funds portfolio - but not the time for Bonds?
Replies: 12
Views: 1455

Re: Can I retire - single person version

I don’t keep a budget, just track my expenses and understand where money goes. - No car – live in Boston and public transportation is decent - Property tax with residential exemption comes under 2000 per year, though do have a non-trivial condo fee (which includes all major maintenance and utility)...
by Call_Me_Op
Tue May 14, 2013 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire - single person version
Replies: 38
Views: 3420

Re: Can I retire - single person version

I am surprised that you can keep your expenses to 16K. Taxes on the house are probably 4k. If you spend 200 bucks per week on food (modest), that's another 10.5k. Then gas at 12k miles per year, 20 mpg is 2.1k. Right there you are over 16k. No car repairs, cable, homeowner's insurance, telephone, e...
by Call_Me_Op
Tue May 14, 2013 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire - single person version
Replies: 38
Views: 3420

Re: Can I retire - single person version

I am surprised that you can keep your expenses to 16K. Taxes on the house are probably 4k. If you spend 200 bucks per week on food (modest), that's another 10.5k. Then gas at 12k miles per year, 20 mpg is 2.1k. Right there you are over 16k. No car repairs, cable, homeowner's insurance, telephone, en...
by Call_Me_Op
Tue May 14, 2013 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire - single person version
Replies: 38
Views: 3420

Re: Cash versus bonds-Why not?

frugalhen wrote:
Am I wrong to think there is an advantage to keeping my non stock portion in a money market and rebalance when the stocks dip rather than holding bonds?.


No way to know ahead of time - can be a good or bad decision depending upon future interest rates.
by Call_Me_Op
Mon May 13, 2013 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash versus bonds-Why not?
Replies: 50
Views: 3551

Re: Retirement investment (income?) advice for 58 y/o

One would really need to know his expenses to give any kind of meaningful advice.
by Call_Me_Op
Sun May 12, 2013 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement investment (income?) advice for 58 y/o
Replies: 9
Views: 655

Re: Fixed Account vs Bond Fund

Sbashore wrote:I agree. 3% without interest rate risk is a real deal these days.


I assume the pun was unintended. :wink:
by Call_Me_Op
Sun May 12, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Account vs Bond Fund
Replies: 14
Views: 1023

Re: Deciding How Much to put in International

lostInFinance wrote:
connya wrote:If investors shouldn't hold company stock of their employer (due to risk of losing job AND investments), why is it a good idea for investors to overweight their home country?


Short answer: international currency risk


You must mean currency diversification.
by Call_Me_Op
Fri May 10, 2013 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 56
Views: 4038

Re: Fund Advice from Advisor - S&P500 Performance

Instead of listening to this or any advisor, I recommend that you educate yourself on investing.
by Call_Me_Op
Fri May 10, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund Advice from Advisor - S&P500 Performance
Replies: 42
Views: 1823

Re: 100% equities, anyone?

Currently about 32% equities, with various tilts.
by Call_Me_Op
Fri May 10, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 138
Views: 7670

Re: Moving into a 400 s.f. condo?

Nothing to do with finding a wife or having children. If that happens, you can move to a bigger place.
by Call_Me_Op
Thu May 09, 2013 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Moving into a 400 s.f. condo?
Replies: 16
Views: 1910

Re: Deciding How Much to put in International

I see no justification to deviate from global market capitalization if one believes in broad diversification. The cost of international investing is comparable (now) to US investing, and the currency risk can be thought-of as currency diversification. The US is now only about 30% of world market cap.
by Call_Me_Op
Thu May 09, 2013 6:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 56
Views: 4038

Re: Why don't people use the Permanent Portfolio?

Why are you comparing gold's best decade ever with one of small-cap's worst? Look what happened during the next decade.
by Call_Me_Op
Wed May 08, 2013 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't people use the Permanent Portfolio?
Replies: 151
Views: 8257

Re: "Reducing bonds? Proceed with caution."

This article may not be asking the real question on most Boglehead's minds. It is not "should I dump bonds in favor of riskier assets", but "should I hold SAFE investments without interest rate risk instead of intermediate bonds (I-Bonds, bank CD's, cash, etc)." That is a much ha...
by Call_Me_Op
Wed May 08, 2013 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: "Reducing bonds? Proceed with caution."
Replies: 50
Views: 3967

Re: Why don't people use the Permanent Portfolio?

I'm wondering whether the Permanent Portfolio would be more appropriate than an 80/20 stock/bond allocation. Incredibly, it seems to have done just as well as even a 100% stock portfolio over the past 30 years or so, despite the fact that it only holds 25% stocks... and yet it has done so with sign...
by Call_Me_Op
Wed May 08, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't people use the Permanent Portfolio?
Replies: 151
Views: 8257

Re: Lessons from the last crash?

Were there any? Most investors suffered in the last stock market crash. After the downturn, Bogleheads who stayed the course did quite well. We could have another panic. Or maybe not. My question for the Bogleheads: Did the crash change your investment strategy in any way whatsoever? Good question....
by Call_Me_Op
Wed May 08, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lessons from the last crash?
Replies: 44
Views: 3791

Re: Now's the time to buy bonds - Gundlach

Random Musings wrote: Fails to neglect that treasuries are typically the place to be when flight to quality situations occur.


:confused
by Call_Me_Op
Wed May 08, 2013 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Now's the time to buy bonds - Gundlach
Replies: 11
Views: 2089

Re: Too lazy to write an IPS

The IPS is intended to capture not just the what, but also the why. To each his own, but my IPS is fairly detailed - and then I have an IPS summary to capture it all on (essentially) an index card.
by Call_Me_Op
Wed May 08, 2013 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Too lazy to write an IPS
Replies: 14
Views: 1420

Re: Don't just do something ... Sit There!

I believe that is Jack Bogle's line.
by Call_Me_Op
Tue May 07, 2013 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Don't just do something ... Sit There!
Replies: 1
Views: 482

Re: Treasury closer to offering floating-rate notes

jon-nyc wrote:Because they can get an even lower rate on them with minimal risk, I suppose.


Sure, but not sure why I would bother buying them.
by Call_Me_Op
Tue May 07, 2013 7:02 am
 
Forum: Investing - Theory, News & General
Topic: Treasury closer to offering floating-rate notes
Replies: 6
Views: 752

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

I'd much rather own the S&P 500 - although even that shouldn't comprise too much of your portfolio.
by Call_Me_Op
Mon May 06, 2013 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 77
Views: 5186

Re: Why not long-term treasuries?

I know conventional wisdom says one should not own long-term treasuries because of interest rate risk. However, they seem to be inversely correlated with stocks. When stocks are doing well, long-term treasuries are doing poorly and vic- versa. It seems like this would provide rebalancing opportunit...
by Call_Me_Op
Mon May 06, 2013 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why not long-term treasuries?
Replies: 10
Views: 991

Re: Do you believe stocks are safer the longer they are held

This is a misunderstood statement, Stocks are only 'safer" in terms of the probability you will lose money compared to the value on the day you invested. The probability of losing money (or however else you choose to define risk) relative to any present time t is theoretically a constant.
by Call_Me_Op
Mon May 06, 2013 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Do you believe stocks are safer the longer they are held?
Replies: 80
Views: 3212

Re: Buffet says no to bonds - recommends equities and cash

Calm Man wrote:[Rude comments removed by admin LadyGeek]


I disagree. He knows exactly what he's doing. I agree wholeheartedly with him on this topic and I am invested accordingly.
by Call_Me_Op
Mon May 06, 2013 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Buffet says no to bonds - recommends equities and cash
Replies: 66
Views: 5422

Re: Why should a buy and hold investor shorten bond duration

Lots of people are talking about shortening the duration of their bond holdings to protect against intereast rate risk should rates start to rise. If I'm a long term, buy and hold investor though, then why should I shorten the duration of my bond holdings? It is only a good idea if you believe that...
by Call_Me_Op
Mon May 06, 2013 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why should a buy and hold investor shorten bond duration?
Replies: 18
Views: 1740

Re: Piles of cash

The vast majority of my retirement savings ($1,200,000) is sitting in cash. I have been afraid to invest for the last couple years (and I was always a pretty aggressive investor) thinking that the market was going to take a dive. Well, of course the market has gone up and up and now I am REALLY thi...
by Call_Me_Op
Mon May 06, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Piles of cash
Replies: 51
Views: 5104

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

Owning Berkshire is no different fundamentally from owning any other single stock. That's why I don't bother.
by Call_Me_Op
Mon May 06, 2013 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 77
Views: 5186

Re: Treasury closer to offering floating-rate notes

I am surprised that they will have a maturity of only 2 years. The interest rate risk on a 2 year nominal note is pretty small to begin with.
by Call_Me_Op
Mon May 06, 2013 6:25 am
 
Forum: Investing - Theory, News & General
Topic: Treasury closer to offering floating-rate notes
Replies: 6
Views: 752

Re: ultra short duration funds

I use a short-duration brokerage CD ladder.
by Call_Me_Op
Sun May 05, 2013 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: ultra short duration funds
Replies: 7
Views: 595

Re: Best place for money that might be needed in 1-2 years.

gerrym51 wrote:barclay bank 60 month cd 1.75 . 90 day penalty but the interest rate is higher


Just make sure you read the fine print.
by Call_Me_Op
Sun May 05, 2013 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best place for money that might be needed in 1-2 years.
Replies: 13
Views: 1335

Re: A graphic on the role of bonds

Whatever happened to "past performance does not guarantee..."
by Call_Me_Op
Sun May 05, 2013 9:10 am
 
Forum: Investing - Theory, News & General
Topic: A graphic on the role of bonds
Replies: 51
Views: 4912

Re: Afraid to put money back into market. Help

This is hard to explain. I do try to time the market a little by using weekly charts, but I have been invested almost all of the time since I started in 2010. For some reason, I moved all of my money out of the market except for a 10% position in EDV (bought at $110, today hurt a little), and now I...
by Call_Me_Op
Sat May 04, 2013 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid to put money back into market. Help
Replies: 35
Views: 2774

Re: A good day to take some money off the table

zed wrote:
For me having reached my goal, it's time to take some, not all, some of the chips off the table.

Zed


Maybe. It should be specified in your IPS.
by Call_Me_Op
Sat May 04, 2013 8:02 am
 
Forum: Investing - Theory, News & General
Topic: A good day to take some money off the table
Replies: 96
Views: 7415

Re: After a passive portfolio is set up - what more to do?

IMO, if you had to hire an advisor in the first place, you are not capable (or ready) of doing it on your own - and shouldn't fire him or her.
by Call_Me_Op
Fri May 03, 2013 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: After a passive portfolio is set up - what more to do?
Replies: 36
Views: 2365
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