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Re: Any reason NOT to buy treasuries individually?

Swensen...He recommends short term and long term treasury bonds. Only in the context of that particular question. He was asked about iShares ETF's, which don't have a 5-year ETF, so he created one using a little shorter and longer mixed together. If you went with a Vanguard fund, however, you could...
by CyberBob
Thu Jan 29, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Any reason NOT to buy treasuries individually?
Replies: 17
Views: 1237

Re: Any reason NOT to buy treasuries individually?

Any major brokerage will allow you to buy new auction treasuries for free, so you could save some money. But, a cheap fund is just easier. By the way, David Swensen doesn't actually recommend long-term treasuries. There are several articles about him that seem to have made this error, but he recomme...
by CyberBob
Wed Jan 28, 2015 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Any reason NOT to buy treasuries individually?
Replies: 17
Views: 1237

Re: Do any young investors use Only fixed income?

I think I'd suggest starting with a short, wise, well-written book targeted exactly at your age group. If You Can: How Millennials Can Get Rich Slowly, by William Bernstein. Amazon sells the Kindle version for 99 cents; Dr. Bernstein has given away copies at times. It's also available for free on h...
by CyberBob
Mon Jan 26, 2015 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 3232

Re: TV sound options for hearing impaired

For several people I know that have difficulty catching dialogue on TV, the solution hasn't been one that dealt with the sound, but rather was solved by turning on the closed-captioning.
by CyberBob
Fri Jan 23, 2015 9:46 am
 
Forum: Personal Consumer Issues
Topic: TV sound options for hearing impaired
Replies: 12
Views: 973

Re: Adjusted Closing Price

Here's how Yahoo! calculates adjusted closing prices:
https://help.yahoo.com/mkb/article.php? ... cale=en_US
by CyberBob
Tue Jan 20, 2015 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Adjusted Closing Price
Replies: 29
Views: 1337

Re: Which of 7 cost-basis methods? (Poll)

My thought was that Loss/Gain Utilization (LGUT) essentially mirrored the thinking that someone would generally follow with Specific ID, but was basically automated, as opposed to Specific ID, where you would have to make the decision yourself. True, Specific ID would give you the most flexibility, ...
by CyberBob
Tue Jan 20, 2015 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 876

Which of 7 cost-basis methods? (Poll)

A friend of mine has a taxable investment in a mutual fund that has a broad selection of cost basis methods. She asked my opinion on which was 'best'. I'm leaning toward a favorite, but thought I'd ask the collective whether an obvious choice is among the options. Which cost basis method would you c...
by CyberBob
Tue Jan 20, 2015 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 876

Re: If you can hold only Cash or Total World Stock.

I would personally have 85% in Total World Stock and 15% in cash. That sounds about right. I was thinking three years of 4% withdrawals, or 88/12. But bonds are complicated. William Bengen, who started all of the 4% safe-withdrawal research said that the safe withdrawal numbers didn't change if you...
by CyberBob
Tue Jan 13, 2015 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: If you can hold only Cash or Total World Stock.
Replies: 6
Views: 572

Re: Target Date Fund vs. 3 Fund Portfolio

An interesting passage from the latest Target Retirement funds annual report: Investor behavior improves with the use of target-date funds Target-date funds are designed to help investors successfully save for retirement. Over time, these funds may also help save investors from themselves. The risin...
by CyberBob
Thu Jan 08, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3885

Re: 1.98% vs. 1.78%

TheTimeLord wrote:...10 year bond is at 1.98%...yield on the S&P is 1.78%...

Using another measure, Benjamin Graham's favored earnings yield (inverse of P/E), stocks look good in comparison to bonds. The S&P 500 (via VOO/VFIAX) is at 5.15%, or 260% of the 10-year treasury yield.
by CyberBob
Tue Jan 06, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: 1.98% vs. 1.78%
Replies: 14
Views: 994

Re: Paper Statements

Too bad Vanguard got rid of the option to be paperless for everything but your year-end statement :(
by CyberBob
Sun Jan 04, 2015 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3397

Re: Why not put 2x amt. of emergency funds in the market?

You might like this article, which suggests putting 130% of needed cash into a 40/60 portfolio: Safety Net Funds: Why Traditional Advice Is Wrong . For what it's worth, I follow a similar ideal. I don't want a large wad of cash, that's a more or less permanent holding, being stealthily eroded by inf...
by CyberBob
Sat Jan 03, 2015 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why not put 2x amt. of emergency funds in the market?
Replies: 19
Views: 2188

Re: VEIPX equivalent ETF?

SCHD
VIG
VYM
SDY
DLN
HDV
DGRO
DVY
by CyberBob
Sun Dec 28, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: VEIPX equivalent ETF?
Replies: 2
Views: 300

Re: I think I just got a $5,000 watch for Christmas

Who officially certifies that it's a "Superlative Chronometer" by the way? The watch is mechanical, and so its accuracy can be affected by such things as temperature and humidity, which makes the various metal parts expand and contract, and even the position of the watch and movement. 'Su...
by CyberBob
Fri Dec 26, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 906
Views: 173234

Re: Do ETFs ever drop stocks?

Some info on PJP: The PowerShares Dynamic Pharmaceuticals Portfolio is based on the Dynamic Pharmaceutical IntellidexSM Index. The Fund will normally invest at least 90% of its total assets in common stocks that comprise the Intellidex. The Intellidex thoroughly evaluates companies based on a variet...
by CyberBob
Tue Dec 16, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do ETFs ever drop stocks?
Replies: 6
Views: 443

Re: Does splitting int'l markets increase returns?

Depends on how you split them. http://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&EmergingMarket3=33&EmergingMarket2=20&IntlPacific2=32&IntlPacific3=33&mode=2&annualOperation=0&endYear=2013&initialAmount=10000&IntlStockMarket1=100&IntlEurop...
by CyberBob
Mon Dec 15, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Does splitting int'l markets increase returns?
Replies: 21
Views: 1927

Re: Great Graphic

[img]http://imageshack.com/a/img540/3149/kWJhJi.jpg[/img] Use the 'direct link' URL at imageshack and put it between the img tags Edit: thanks Fallible for pointing out the copyright/attribution issue. I removed the actual graphic, but left the graphic posting help above. The graphic that Leesbro63...
by CyberBob
Mon Dec 15, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Great Graphic
Replies: 5
Views: 1002

Re: 80/20 stocks/bonds for near retirement

You're plan reminded me of the one in the Morningstar article You Don't Have to Retire from Aggressive Investing.
by CyberBob
Sun Dec 14, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2338

Re: Financial privacy

Your bank, insurance company, credit card company, and brokerage firm are all required to send you a privacy rights notice and opt-out information regarding information sharing. Your brokerage probably has theirs on their website. Information on opting-put is also available here: https://www.privacy...
by CyberBob
Wed Dec 10, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial privacy
Replies: 8
Views: 1047

Re: Does Total Int'l include emerging markets?

Total International Stock is 19% emerging markets.
Check out the pie-chart on the portfolio tab: https://personal.vanguard.com/us/funds/ ... =INT#tab=2
by CyberBob
Fri Dec 05, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Total Int'l include emerging markets?
Replies: 9
Views: 1352

Re: Why does Buffett like S&P not Total US Market?

There is no reason to believe that Mr. Buffet does not "like" the Total U.S. stock market. Maybe he feels more comfortable with his money invested in the largest and most successful companies in the United States. This is a very likely reason. Buffett's mentor, Benjamin Graham, used to ca...
by CyberBob
Wed Dec 03, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Buffett like S&P not Total US Market?
Replies: 29
Views: 2780

Re: trading in iPhones for the latest: Apple or Verizon?

There really is no porting over of data. You should get your iPhone in a sealed box (the phone number is moved to new phone using the bar codes on the outside of the box). The data movement comes from either an icloud or iTunes backup. Works wonderfully, just type in your icloud account password and...
by CyberBob
Mon Dec 01, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: trading in iPhones for the latest: Apple or Verizon?
Replies: 8
Views: 1322

Re: Long-Lasting Incandescents + LED Question

frugalguy wrote:The Crees are looking good.

FYI, Cree just came out with their next generation of LED bulbs, the 4Flow.
http://www.extremetech.com/extreme/1930 ... -led-bulbs
by CyberBob
Sun Nov 30, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 5060

Re: EzBackTest

Portfolio Visualizer is nice too, letting you back-test by generic asset class or by specific funds. It's all online, so nothing to download.

http://www.portfoliovisualizer.com
by CyberBob
Sun Nov 30, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: EzBackTest
Replies: 5
Views: 438

Re: has vanguard considered offering auto rebalancing?

Schwab and Fidelity are both going robo, so maybe every big company will eventually offer something similar.
http://bankinnovation.net/2014/10/like- ... visor-too/
by CyberBob
Sat Nov 29, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: has vanguard considered offering auto rebalancing?
Replies: 11
Views: 1729

Re: best performer - very similar index funds

Here's a 12-year chart from BigCharts you mentioned for VTCLX and VTSAX. They track different indexes so you'd expect them to be a smidgen different. In any meaningful way, I don't see a difference. What are you seeing?

Image
by CyberBob
Thu Nov 27, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 22
Views: 2131

Re: Investing in 100 Words

A good concept-oriented companion to the classic one-page guide from Scott Adams, the creator of Dilbert. Everything you need to know about financial planning ⋅ Make a will. ⋅ Pay off your credit cards. ⋅ Get term life insurance if you have a family to support. ⋅&n...
by CyberBob
Tue Nov 25, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1969

Re: Equal Weight portfolio

I always thought it interesting that the major asset classes in the Dow Jones Relative Risk Indexes are as I believe you are describing. For example, the U.S. equity portion is equally weighted in six classes: Large growth Large value Mid growth Mid value Small growth Small value Equally weighted am...
by CyberBob
Tue Nov 25, 2014 1:34 am
 
Forum: Investing - Theory, News & General
Topic: Equal Weight portfolio
Replies: 19
Views: 2602

Re: Wellington Closed?

Vanguard's Personal Investors site shows it open, but it's showing closed on Vanguard's Institutional Investors site. According to the prospectus supplement: Important Note Regarding Vanguard Wellington Fund Vanguard Wellington Fund will be closed to all prospective financial advisory, institutional...
by CyberBob
Tue Nov 25, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Wellington Closed?
Replies: 2
Views: 988

Re: Do you use a phone book?

Here's a good opt-out site for anyone interested.
I used to get 6 different phone books a year from different publishers, but opted-out down to zero.
https://www.yellowpagesoptout.com
by CyberBob
Mon Nov 24, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2218

Re: Ultimate Small Cap Value Portfolio...

.. I don't want to buy small cap growth. You will underperform the market almost always (except in very rare occasions) Using Vanguard's index funds as proxies: 5 years SV 16.66% SG 17.48% 10 years SV 8.63% SG 9.78% And from Bogle's blog: Fact is, I’m not one for trying to guess which styles will o...
by CyberBob
Wed Nov 19, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 31
Views: 4271

Re: Active or Not, I Love Wellington

Meh, Wellington is only 3% awesome...

    In Wellington Fund's case, in the last decade 97% of its return has been determined by the return of the index I put together for them in 1978. -- John Bogle
by CyberBob
Sun Nov 16, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9224

Re: fidelity refusing custodian custodian rollover

My brother recently moved a Fidelity 401(k) from a previous job, and yes, they would only do it by check. However, there's no worry about depositing it into your checking account and forgetting about it since they would only do a 'direct' transfer where the check is made out to wherever you're movin...
by CyberBob
Sat Nov 15, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 3842

Re: What if I Never Buy a House?

Ganacel wrote:Being a starving artist sounds pretty good, except for the starving part. ;)


    "I'd like to live as a poor man with lots of money." -- Pablo Picasso
by CyberBob
Sat Nov 08, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7644

Re: What if I Never Buy a House?

No, I don't think you're making a big financial mistake by not buying a house. In fact, I think just the opposite is true. I retired at 42 (almost 51 now) and am firmly convinced that a major part of what made that possible was not buying a house and taking on all the expenses that go along with it....
by CyberBob
Fri Nov 07, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7644

Re: NE Ohio (Cleveland Area) Master Thread

I unfortunately missed the last meeting, so when is the next one?
by CyberBob
Thu Nov 06, 2014 5:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 34
Views: 4437

Re: Vanguard web site changes

I don't have a cellphone either, but there are other ways to do 2 factor, such as https://www.authy.com/users
by CyberBob
Tue Nov 04, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7669

Re: AA...any other crazy 80/20 folks out there?

I retired at 42 (will be 51 next month) and I'm close to 90/0/10. So 80/20 isn't crazy at all in my opinion, depending on your situation.
by CyberBob
Tue Nov 04, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 5240

Re: Netflix: how long broken?

Just tried it on my iPad and it's working fine here too.
However, https://downdetector.com/status/netflix
by CyberBob
Mon Nov 03, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Netflix: how long broken?
Replies: 13
Views: 2190

Re: More Math Fun................

According to standard Order of Operations you would do things in parentheses first.
Then exponents.
Then multiply or divide before add or subtract.
Then go left to right.

So, 6/2(2+1)
6/2(3)
3(3)
9
by CyberBob
Thu Oct 30, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: More Math Fun................
Replies: 16
Views: 842

Re: is this a wash sale?

Let me ask a question in return. Suppose one buys VWO on 9/25 and again on 9/29. Then sells on 10/6 the entire 9/29 position in VWO for a gain. Then sells the entire 9/25 position in VWO for a loss on 10/16. Is that a wash sale? A wash sale doesn't eliminate the tax loss, it merely defers it. That ...
by CyberBob
Thu Oct 30, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 603

Re: Bucket Approach Redux

What happens if a bear market hits at just the time that the other buckets are empty and you have only stocks? Since you mentioned Lucia, in his bucket method your scenario shouldn't happen. Although bucket examples are usually presented as 'spend bucket one, then two...', Lucia actually recommends...
by CyberBob
Sat Oct 25, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bucket Approach Redux
Replies: 35
Views: 2971

Re: Time For Me to Kick Wellington Through The Goalpost of L

In a recent interview in Investor's Business Daily, Jack Bogle seems to say that Wellington isn't the magical fund some people think it is:
John Bogle wrote:In Wellington Fund's case, in the last decade 97% of its return has been determined by the return of the index I put together for them in 1978.
by CyberBob
Fri Oct 24, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 5159

Re: Mr. Market turns on Amazon

as of right now, amazon has a P/E of 822.97. Is that correct? How can it be that high when the average is 15. Does that mean amazon stock can drop 98% to get to a P/E ratio of 15? In December of 2112 Amazon's P/E was 3,600 :shock: It could actually be worse, however. Some companies don't even have ...
by CyberBob
Thu Oct 23, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4592

Re: First investment strategy meeting with new FA, $6M trust

Model Portfolio of FA: Sign %allocation ER% Turnover% TOLSX 7 1.24 132 GOBIX 6 0.72 59 FCBYX 5 0.59 50 SMGIX 5 0.66 47 FMSTX 5 0.77 77 OAKLX 5 1.01 24 PIMIX 5 0.45 251 SKIRX 4.5 1.16 93 HCOYX 4.5 0.87 236 ASRYX 4.5 1.01 63 SAGYX 4 0.87 2 NCIAX 4 0.87 76 SELSX 4 1.60 32 AVGRX 4 1.25 2 PCKPX 4 0.79 4...
by CyberBob
Fri Oct 17, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 5009

Re: Buffett vs. Bogleheads

I've never heard him use the term "currency-based" investments before, and I think he has a purpose in writing that way. Its not just any old currency at any old time that he means for you to be thinking about. When he mentions 'currency-based' investments, it's not a particular currency ...
by CyberBob
Fri Oct 03, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 4027
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