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Re: Vanguard Fund Performance Link

Here's performance data for all Vanguard funds. Sort at the top by average, cumulative, quarterly, and yearly.
https://investor.vanguard.com/mutual-fu ... funds-list
by CyberBob
Sun Mar 01, 2015 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Fund Performance Link
Replies: 2
Views: 283

Re: International increase in Target Retirement & LifeStrate

Is anyone planning on leaving these funds due to this? Hell no. In fact, I have just the opposite view and think that every change Vanguard has made has brought these funds closer and closer to perfection for the average investor. And if they would come out with Admiral shares (even at the older $1...
by CyberBob
Sat Feb 28, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 119
Views: 7806

Re: Why there is no Target Date and Balanced ETF?

iShares used to have target-date ETF's but recently closed them. Apparently because most people buy target-date investments through their 401(k) or work retirement plan, but few plans offer access to ETF's. http://www.investmentnews.com/article/20140902/FREE/140909991/blackrocks-ishares-steps-back-f...
by CyberBob
Wed Feb 25, 2015 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why there is no Target Date and Balanced ETF?
Replies: 8
Views: 870

Re: Form 1116 country of origin

I'm thinking of just picking a country at random from the available list and e-filing anyway. That's what I was thinking too. Although the IRS hasn't required individual country names since 2008, Vanguard does still provide the information on their advisors site. Perhaps pick the country that paid ...
by CyberBob
Wed Feb 25, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Form 1116 country of origin
Replies: 11
Views: 361

Re: Someone Else Filed My Tax Return

...You will need to file an amended return if in fact a return was filed under your name... ...Apparently, this request only spits out the original return that was filed, not the subsequent amendments... Is it standard IRS procedure to do an actual amended return (1040X)? An amended return would se...
by CyberBob
Tue Feb 24, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Someone Else Filed My Tax Return
Replies: 29
Views: 2654

Re: iPad users: what browser are you using?

Safari: Offline reading. I like this functionality for train rides where the connection may not exist. Chrome: Find in page (for when I need to search). Safari for IOS has 'Find On This Page' capability built in. With the page you want to search loaded, type what you want to find in the address bar...
by CyberBob
Tue Feb 24, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1828

Re: What is Risk?

The riskiness of an investment is not measured by beta (a Wall Street term encompassing volatility and often used in measuring risk) but rather by the probability – the reasoned probability – of that investment causing its owner a loss of purchasing-power over his contemplated holding period. Asset...
by CyberBob
Fri Feb 20, 2015 12:42 am
 
Forum: Investing - Theory, News & General
Topic: What is Risk?
Replies: 27
Views: 1339

Re: NE Ohio (Cleveland Area) Master Thread

April 11, 2015, 10:00 am
North Royalton Branch of Cuyahoga County Public Library
5071 Wallings Rd
North Royalton, OH 44133
by CyberBob
Thu Feb 19, 2015 7:55 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 41
Views: 5152

Re: NE Ohio (Cleveland Area) Master Thread

Jpg wrote:Will there be a Cleveland meeting in Spring 2015 ?

April 11th
by CyberBob
Tue Feb 17, 2015 12:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 41
Views: 5152

Re: Vanguard target date asset allocation

Vanguard's approach to target-date fund s goes into their reasoning for the high equity allocation in the early years. One reason being that an individual’s total net worth consists of both his or her current financial holdings and future work earnings. For younger individuals, the majority of thei...
by CyberBob
Mon Feb 09, 2015 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard target date asset allocation
Replies: 23
Views: 2687

Re: Withdrawal strategy in retirement

Here's a Morningstar article discussing the mechanics of just such a strategy:
http://news.morningstar.com/articlenet/ ... 9&_QSBPA=Y
by CyberBob
Mon Feb 09, 2015 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawal strategy in retirement
Replies: 6
Views: 812

Re: Which light bulbs are best bang for the buck?

Others have mentioned Cree, but specifically check out the newest generation of Cree bulbs, the 4Flow. The improvements include no big heatsink, which makes it drastically lighter. New design eliminates LED tower, which eliminates dark spot at the top of the bulb - important in downward-facing bathr...
by CyberBob
Sun Feb 08, 2015 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3462

Re: 4% rule with % of current value ceiling

Check out Vanguard's 'Floor and Ceiling' paper A more dynamic approach to spending for investors in retirement.
Short version:
https://advisors.vanguard.com/iwe/pdf/FASDACB.pdf
Longer version:
https://pressroom.vanguard.com/content/ ... ending.pdf
by CyberBob
Fri Feb 06, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: 4% rule with % of current value ceiling
Replies: 27
Views: 1822

Re: Alternatives to Radio Shack?

Is there a Batteries Plus store near you?
http://www.batteriesplus.com
by CyberBob
Thu Feb 05, 2015 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2828

Re: Citibank Double Rewards %1+%1 Credit Card

I balance transfer 10K from Citi double cash to lets say Chase Freedom, so I pay the entire Citi DoubleCash balance off by rolling over balance to another card, do I get 1% on that transaction? or does payment has to happen from bank account...? My purchase is clearly eligible for 1%, what is uncle...
by CyberBob
Wed Feb 04, 2015 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 2971

Re: Citibank Double Rewards %1+%1 Credit Card

The 1% when you buy and 1% when you pay is a bit gimmicky. And you don't actually get the second 1% when you pay, but rather after the end of the upcoming billing cycle.

But, that annoyance aside, I'm using it now rather than my Quicksilver (no foreign travel). Hard to ignore the cash back.
by CyberBob
Wed Feb 04, 2015 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 30
Views: 2971

Re: "how to measure risk?"

Staythecourse posted a great answer. The Roger Gibson idea that risk is a continuum with volatility at one end and shortfall risk/inflation at the other. And you can't escape risk. Moving away from one just exposes you more to the other. You've just got to get happy somewhere in the middle. Warren B...
by CyberBob
Wed Feb 04, 2015 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: "how to measure risk?"
Replies: 35
Views: 1829

Re: Is there a Fido equivalent of LifeStrategy Conservative

Realistically, though, I wouldn't - and don't - separate my emergency money into a separate fund. It may help you mentally to segregate it, but in reality it's all just part of one big investment pool. And I agree with the premise that I don't want to keep a large amount of cash essentially forever....
by CyberBob
Tue Feb 03, 2015 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: Is there a Fido equivalent of LifeStrategy Conservative Grow
Replies: 15
Views: 998

Re: Is there a Fido equivalent of LifeStrategy Conservative

If you're considering an ET F, an interesting all-in-one option might be iShares Core Moderate Allocation (AOM).
http://www.ishares.com/us/literature/br ... -en-us.pdf
by CyberBob
Tue Feb 03, 2015 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Is there a Fido equivalent of LifeStrategy Conservative Grow
Replies: 15
Views: 998

Re: Vanguard's annual financial plan update

An interesting read, if you haven't seen it already, is Ty Bernicke's Reality Retirement Planning: A New Paradigm for an Old Science, which talks about declining spending in retirement.
by CyberBob
Tue Feb 03, 2015 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's annual financial plan update
Replies: 5
Views: 1127

Re: Mr. Bogle on CNBC today--International and Bonds

Any data available for the annual returns for the vanguard's 2 funds portfolio (total stock market index, total bond market index) vs. 3 funds portfolio (total stock market index, total bond market index, total international market index). Question is does the 2 funds or 3 funds portfolio perform b...
by CyberBob
Thu Jan 29, 2015 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6421

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: 1482

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: 1482

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: 3344

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: 14
Views: 1466

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: 1367

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: 1006

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: 1006

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: 581

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: 3936

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: 999

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: 3414

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: 2207

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: 313

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: 920
Views: 179705

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: 457

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: 1949

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: 1012

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: 2364

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: 1048

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: 1371

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: 2800

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: 1327

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: 5116

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: 442

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: 1734

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: 2148
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