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Re: What is your equity allocation to international?

Right at 30% total portfolio:

12% Lg / Med Developed
5% Lg / Med Emerging
8% Sm Value (DISVX - suppose not a true index fund)
5% Sm Blend (developed)

FWIW.

Good luck!
by Cruncher
Sat Jun 01, 2013 4:04 am
 
Forum: Investing - Theory, News & General
Topic: What is your equity allocation to international?
Replies: 56
Views: 4077

Re: Whether to take dividends or automatically reinvest them

Retiredjg's link is a good complete answer: Cliff notes version: Dividends are taxed from a taxable account the same regardless of what you do with them, burn 'em, automatic reinvest them, give 'em away, ... whatever. So your decision really resides on what your intent is with the "new" mo...
by Cruncher
Mon Apr 29, 2013 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Whether to take dividends or automatically reinvest them...
Replies: 10
Views: 1273

Re: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50

To the OP, You could be 0% bonds, but that's not very good at risk management. In my view, AA is risk management, or rather achieving the highest risk-adjusted return possible. 100% equities does not fit that goal. Many studies show a better return with bonds. If nothing else, the bond (read: lower ...
by Cruncher
Mon Apr 22, 2013 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50
Replies: 155
Views: 12847

Re: The mechanics of doing asset allocation

Here's how I break my AA down: Asset class Target AA D Lg Blend 15% D Med Blend 15% D Sm Blend 7% D Sm Value 8% REIT 10% I Lg & Med Mkt 12% Emerg Mkts 5% I Sm Value 7% I Sm Mkt 6% Total bond 11% TIPS 4% Money Mkt 0% 100% I do reference M*, but don't get too wrapped around the axle. i used to hav...
by Cruncher
Mon Mar 11, 2013 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: The mechanics of doing asset allocation
Replies: 8
Views: 864

Re: Buy and hold Sell covered calls

Rai, This is exactly what some friends of mine do. They do it particularly with ESPP company stock, though others delve into the "volatile stocks." Over the years, they amassed a sizable amount, which they sell covered calls on. Now, the stock isn't as volatile as AAPL, and the premium is ...
by Cruncher
Wed Feb 13, 2013 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2146

Re: Stocks are at a 5 year high, now what?

Rick, What am I going to do? I'm gonna "stay on timeline". Does that bring you back to your 7523 days? If my portfolio indicates a rebalance, then I'll rebalance. If not, then I'll continue to chase the laggards with new monies. :sharebeer I'm guessing, the 5-year high will incite the gree...
by Cruncher
Fri Feb 08, 2013 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks are at a 5 year high, now what?
Replies: 55
Views: 7659

Re: Buy and hold Sell covered calls

Magic,

Of course!

Thank you
by Cruncher
Fri Feb 08, 2013 1:21 am
 
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2146

Re: Buy and hold Sell covered calls

Folks, This is exactly the kind of discussion I was looking for! There is the simple, from Larry to describing the mathematical, logical and emotional (all the others). I thank everyone for their inputs. I can now go back to my IPS and say, this subject has been researched and I'm sticking to my bor...
by Cruncher
Thu Feb 07, 2013 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2146

Re: Buy and hold Sell covered calls

Larry, Thank you for your time answering. I respect your professional knowledge you share with us (ditto a lot or you folks :D ) BBL, I suppose I was thinking once a Call was in the money, the holder would execute the option and purchase the stocks (from me) at the strike price (releasing my capital...
by Cruncher
Thu Feb 07, 2013 12:26 am
 
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2146

Buy and hold Sell covered calls

Hello all, Been a Boglehead since before my start date on this forum. To keep this post succinct, I'll just say I'm a true believer in our ways. The only time I sell any asset, is to rebalance; which is not done very often, currently I rebalance twice a year, 1) when I fund my Roth IRAs and 2)when m...
by Cruncher
Wed Feb 06, 2013 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 2146

Re: International REITs anyone?

I have access to DFGEX (er 0.86%) in my 401k. I split my REIT AA between DFGEX, SCHH (er 0.07%), and VNQ (er 0.12%).

DFGEX makes up about half my RE AA. FWIW.
by Cruncher
Sun Dec 16, 2012 4:19 am
 
Forum: Investing - Theory, News & General
Topic: International REITs anyone?
Replies: 55
Views: 8228

Re: Expense Ratios

Wow,

Just realized that all the managing I do on my portfolio matches the er of VTTHX. Wow, just had a "could of had a V8" moment. :oops:

Interesting observation on my part ... sorry thinking (writing) out loud. :beer
by Cruncher
Fri Dec 14, 2012 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 4378

Re: Expense Ratios

Goalie, I'll have to look at her account again. I set the Vanguard option years ago, as it was the only "low cost" option. I was happy about having this option, but when I dug through the weeds on total costs, it came up as 0.94%. Since I had this exact same MF at Vanguard, the difference ...
by Cruncher
Fri Dec 14, 2012 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 4378

Re: Expense Ratios

To steal someone else' reply: 0.19% (weighted average) Though to put it into perspective: 75 % equities, 15% FI, 10% REIT Eq = 40% US + 35% International FI = 10% Barclays US Agg Bond + 5% TIPs REIT = mix of VNQ, SCHH, & DFGEX No cash. Cruncher PS in my wife's IRA (managed by TransAmerica) I hav...
by Cruncher
Thu Dec 13, 2012 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 4378

Re: Some interest questions

Sorry if my original post was vague. When "interest rates" rise? sscritic, I had a similar story. I wasn't one, but the interest rates were in the 13% is memory serves me correct. To clear up my post (again) Is it cheaper for the fed to repurchase outstanding debt "when" rates ri...
by Cruncher
Fri Oct 12, 2012 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Some interest questions
Replies: 6
Views: 346

Some interest questions

All, What are some opinions of the US equity market when this happens? What about the international market (either developed & EM)? Not to make this a political post, but how are we going to service 16 Trillion dollars in federal debt? When rates rise, will the face value of outstanding treasuri...
by Cruncher
Fri Oct 12, 2012 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Some interest questions
Replies: 6
Views: 346

Re: I will stay the course and stay safe

Where am I going with this, dunno. It's late, don't post much on this forum, but here goes: I-95 has killed more people than the war in Vietnam. I grew up in S Fl, and remember all the drivers' ed classes. Miss Fl a little. When you are away for long periods of time, when you return, the smell is ve...
by Cruncher
Tue Sep 25, 2012 5:21 am
 
Forum: Investing - Theory, News & General
Topic: I will stay the course and stay safe
Replies: 49
Views: 3106

Re: Schwab slashes ETF fees

My wife's 401k is with schwab, but doesn't allow for investments outside of the selected mutual funds...oh but WAIT! I logged in and poked around, and saw this PCRA option, which seems like it's similar to an "add-on" brokerage account to the 401k. I had read their literature on it in the...
by Cruncher
Mon Sep 24, 2012 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 8841

Re: Case against Index funds

Sorry is this has been mentioned:

...are the cons of index funds


It's boring.

It just keeps climbing, getting your fair share.

-C
by Cruncher
Thu Aug 30, 2012 2:39 am
 
Forum: Investing - Theory, News & General
Topic: Case against Index funds
Replies: 50
Views: 4487

Re: Large Value tilt?

Taylor,

Very true. There are few ex-Marines. Once a Marine, Always a Marine.

Mel,

Semper Fi to you my brother!

Cruncher
by Cruncher
Wed Aug 29, 2012 3:41 am
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Large Value tilt?

William, I agree. My bride is a bit older than me, not by much (couple months), but I still remind her on occasion :mrgreen: . If I knew my time was up, yea I'd convert it all. But if I go in a giant ball of flames, well guidance is there too. As a former Marine, we had a little saying, no matter ho...
by Cruncher
Tue Aug 28, 2012 3:37 am
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Large Value tilt?

... Particularly when my wife isn't nearly as interested in keeping up with things as I'd like. In my wife's 401k, I have her in 1 fund, Vanguard Tgt Dated Retirement Fund (TDRF). In our rIRAs & my 401k, I have 12 funds / ETFs (LB, LV, MB, MV, SB, SV, REIT, LG/Med Intl B, EM, ISV, ISB, TIPS &am...
by Cruncher
Mon Aug 27, 2012 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Large Value tilt?

Oops, sorry Taylor! Didn't mean to put words into your mouth :D

Have a great day.
by Cruncher
Fri Aug 24, 2012 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Large Value tilt?

Brian, I set up my current portfolio allocations based on research I did years ago, prolly close to my join date on this forum. But during my annual Investment Policy Statement review this year, I asked myself why I was splitting up my LC into LCB & LCV (seeing as this topic was not talked about...
by Cruncher
Fri Aug 24, 2012 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Large Value tilt?

Thanks folks, this is the dialogue I was looking for. Big picture: SCHV is part of my LC allocation, so it does not take away from another asset class, nor is overlap an issue (if I decided to remove my "LCV Asset Class", SCHV would be completely replaced with VIIIX anyway). Interesting ho...
by Cruncher
Thu Aug 23, 2012 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Large Value tilt?

Bogleheads, What are your thoughts on tilting large cap? Currently my two Domestic LC funds I have VIIIX (S&P 500 index; er 0.02%) & SCHV (DJ Large Cap Value Total Stock Market; er 0.13%). Essentially, everything I've ever read regarding value tilting relates to small caps. Does anyone do th...
by Cruncher
Thu Aug 23, 2012 1:35 am
 
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 6477

Re: Pillar of Wisdom #7 - reversion to the mean

Two things: 1) RODC, agree completely. Rodc wrote: No one has really demonstrated you can time in even one direction. No data whatsoever as far as I know. The problem is that "Markets can stay irrational longer than you can stay solvent". I think the key is not so much in timing markets, b...
by Cruncher
Wed Aug 22, 2012 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Pillar of Wisdom #7 - reversion to the mean
Replies: 33
Views: 2962

Re: At what age did you start investing?

Started as a young Captain in the Marine Corps, mid-late 90s. Saved a nice 6-figure sum in the S&P500. Of course, the "lost decade" was my fault :oops: because I was shoveling money in. As busy as Marines were (are), I didn't have much time to really study investing, nor was I taught a...
by Cruncher
Tue Aug 21, 2012 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 8760

Re: Financial consultant really bothered me

Stayingthecourse: The older I get the more contrarian I become. I am starting to realize if everyone goes one way the correct answer is going the opposite. I said this exact thing not too long ago to some friends! Just this morning, the financial news was Warren Buffett was bailing on Munis. Of cour...
by Cruncher
Tue Aug 21, 2012 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 3841

Re: Post your AA

41 yo. Live in US. Big picture: 75% equities, 15% fixed income, 10% REIT focused equities Closer look: 45% US, 30% foreign, 10% Total bond, 5% TIPS, REIT is split with a tilt towards US REITs. Asset class Target AA Actual % D Lg Mkt 7% 6.94% VIIIX D Lg Value 8% 7.84% SCHV & VTV D Med Mkt 7% 6.99...
by Cruncher
Tue Aug 21, 2012 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 15630

Re: Vanguard High-Yield Corporate Fund closes to new investo

Additionally, with all the cash flowing into HY, I started to feel like the lemurs were running with me. I'm not a market timer, but their crowding had me thinking I may be doing something wrong. Hence picking up Swensen's book. Let's hope when BHs become more and more popular, I don't mistake their...
by Cruncher
Fri May 25, 2012 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund closes to new investors
Replies: 59
Views: 6388

Re: Vanguard High-Yield Corporate Fund closes to new investo

SGM, SGM wrote: Remind me again why this is a bad fund to hold. Yeah the dividends are taxed like ordinary income. Was that the only problem with it? Since its inception it has gone up 7-8% per annum. I thought of it as an annuity without the complete loss of principle. I've had this fund for years,...
by Cruncher
Fri May 25, 2012 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard High-Yield Corporate Fund closes to new investors
Replies: 59
Views: 6388

Re: TIPS and interest rates

#Cruncher, thank you. Signed Cruncher

PS just wanted to do that. Thanks to both, still learning.
by Cruncher
Wed May 23, 2012 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS and interest rates
Replies: 10
Views: 1178

TIPS and interest rates

Hello all, My question is, I am leaning to moving my "Junk" allocation into a "TIPS" allocation (I know a huge switch - middle of reading David Swensen's Unconventional Success ... I'm glad I got this book, it is very good). I've read a lot about TIPS, but one thing I can't seem ...
by Cruncher
Wed May 23, 2012 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS and interest rates
Replies: 10
Views: 1178

Re: Home Solar: Owning vs. Leasing

This is great information. Thanks to all for your responses.

More information to research is always great!
by Cruncher
Mon Apr 23, 2012 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Solar: Owning vs. Leasing
Replies: 42
Views: 3043

Home Solar: Owning vs. Leasing

Hello Bogleheads, Here's my current situation: I'm looking to install a home solar system to offset the skyrocketing electrical costs here in SoCal. My house is a great candidate, no shade, SW facing roof, .... I've already completed a home energy audit to reduce our electrical consumption to about ...
by Cruncher
Sun Apr 22, 2012 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Solar: Owning vs. Leasing
Replies: 42
Views: 3043

Re: How do you approach a down market psychologically?

Aint volatility grand?!


Yup! Very much so!
by Cruncher
Thu Apr 12, 2012 11:43 am
 
Forum: Investing - Theory, News & General
Topic: How do you approach a down market psychologically?
Replies: 101
Views: 4113

Re: How do you approach a down market psychologically?

To add to Danny's post. I "lost" over $17,000 this past week, and I'm a relatively young guy here (75/15/10, EQ/FI/REIT) I say "lost" because it's just a paper loss, it's the day to day fluctuation of my account. It's part of the risk-reward exposure we all strive for; I view it ...
by Cruncher
Wed Apr 11, 2012 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: How do you approach a down market psychologically?
Replies: 101
Views: 4113

Re: How do you approach a down market psychologically?

Mtbiker, This may have been said already, I haven't read all the posts yet. I view down markets as mini-sales. I am in the accumulation stage of my financial life, and look forward to down markets, it just means I'm getting whatever asset class falls the most, at the greatest discount. Similarly dur...
by Cruncher
Wed Apr 11, 2012 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: How do you approach a down market psychologically?
Replies: 101
Views: 4113

Re: New to this site

I just opened my Money magazine. Jack's article is about the middle page (59 out of 109), so without much effort (just flippin' the magazine open), Taylor, Laura, & Mel are introduced. Hello, it's nice to have a face to a name. Thank you for your efforts you give society. I "sell" your...
by Cruncher
Sun Feb 26, 2012 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: New to this site
Replies: 11
Views: 531

Re: Would you take out a mortgage or pay cash?

Great advice here already: Keep wifey happy - job #1. Happy wifey, make happy hubby. Educate & understand the various aspects of each solution (this might take a little longer than a couple days on a forum). Have a frank discussion, ... maybe a bottle of wine, come to an agreement. Next day, con...
by Cruncher
Tue Feb 14, 2012 5:10 am
 
Forum: Investing - Theory, News & General
Topic: Would you take out a mortgage or pay cash?
Replies: 70
Views: 4948

Re: Is the Backdoor Roth legal or not?

They vetted this possibility, and still passed the law. They also know when you do this transaction, they get your tax dollars today (from what was a tax-deffered account[IRA]). You can't decide what part of your IRA you want to transfer, it comes equally from your entire pile. IMO, they will probab...
by Cruncher
Wed Feb 01, 2012 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Backdoor Roth legal or not?
Replies: 96
Views: 14936

Re: Charles Schwab to Offer Index-Only 401(k) Plans

MY 401k has an option where you can invest in pretty much whatever you want (via a portal they call a PCRA - Personal Choice Retirement Account), save buying my company stock, anything leveraged (which our retirement committee guys to protect us) and the MFs that are on the MF side of the house. Ove...
by Cruncher
Tue Jan 31, 2012 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Charles Schwab to Offer Index-Only 401(k) Plans
Replies: 5
Views: 1181

Re: Emergency Fund Question

Wizard good point. I'll have to think about that for awhile.

Cash looses value over time, I want to at least keep up with inflation, or if I can eek out a small gain above, than that's better.
by Cruncher
Wed Jan 18, 2012 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Emergency Fund Question
Replies: 24
Views: 1683

Re: Emergency Fund Question

Thanks for the replies. Yea, prolly a bit of chasing yield in my thinking. Agreed, prolly missing the point a little too regarding the stock exposure. Just trying to think outside the box, so to speak. Though, I don't want to overthink myself into auguring down a rabbit whole of mistakes. I do have ...
by Cruncher
Wed Jan 18, 2012 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Emergency Fund Question
Replies: 24
Views: 1683

Emergency Fund Question

Hello Bogleheads, Sorry if this is old news / obvious, but what's the consensus of where you "store" your emergency fund? TIPS almost cost to own now. Short term Treasuries are not much better. Medium term are a little better, but will suffer when rates inevitably rise. A money market fund...
by Cruncher
Wed Jan 18, 2012 5:39 am
 
Forum: Investing - Theory, News & General
Topic: Emergency Fund Question
Replies: 24
Views: 1683

Re: New Schwab Total Bond Market fund (SCHZ)

So does anyone know if Schwab changed management in '07, or at least a change in strategy?
by Cruncher
Sat Oct 29, 2011 11:15 am
 
Forum: Investing - Theory, News & General
Topic: New Schwab Total Bond Market fund (SCHZ)
Replies: 17
Views: 1472

... I guess this puts you in your place.


Well thank you sir; I'm glad you recognize the power of the simple.
by Cruncher
Thu Sep 08, 2011 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Laura's Latest Forbes Column
Replies: 29
Views: 3156

Is it also good for older airline pilots? :-)
by Cruncher
Wed Aug 31, 2011 12:07 am
 
Forum: Investing - Theory, News & General
Topic: Blog for Doctors
Replies: 42
Views: 7973
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