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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: 411

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: 1767

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: 973

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: 2258

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: 1018

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: 6
Views: 879

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: 2679

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: 1294

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: 4861

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: 430

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: 1709

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: 1945

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: 1942

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: 2502

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: 968

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: 2136

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: 4218

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: 53
Views: 5343

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: 3700

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: 7555

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: 7555

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: 31
Views: 3687

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: 7270

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: 4965

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: 2165

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: 839

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: 593

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: 2776

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: 4917

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: 4509

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: 4904

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: 3971

Re: Buffett vs. Bogleheads

An interesting view from Warren Buffett on what risk isn't . (See Berkshire Hathaway 2011 Shareholder Lettter, page 16, "The Basic Choices for Investors and the One We Strongly Prefer" [PDF]). The riskiness of an investment is not measured by beta (a Wall Street term encompassing volatilit...
by CyberBob
Thu Oct 02, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 3971

Re: Buffett vs. Bogleheads

Buffett's reasoning behind the 10%, and a withdrawal rate comment, from his CNBC interview with Becky Quick: "You also revealed something in the annual letter this year, where you said, you laid out the terms of your will, what you’ve set aside for your wife. Which, I didn’t know any of this,” ...
by CyberBob
Thu Oct 02, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 3971

Re: total bond market index?

It's only available to other Vanguard funds. It's the same as the regular Total Bond, but was created to mitigate the impact of large-scale rebalancing on the regular Total Bond fund.

http://www.reuters.com/article/2009/01/ ... BW20090123
by CyberBob
Mon Sep 29, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: total bond market index?
Replies: 2
Views: 503

Re: Money Makeovers - Are these legitimate stories?

Income=$4,300 (including pension and investment withdrawals)
Spending=$5,800

These stories generally simplify down to a pretty simple math problem solution (see above).
But I guess they're popular stories since many people see similar situations to their own.
by CyberBob
Mon Sep 29, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money Makeovers - Are these legitimate stories?
Replies: 8
Views: 1399

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
Sun Sep 28, 2014 12:37 am
 
Forum: Investing - Theory, News & General
Topic: what is risk?
Replies: 116
Views: 4737

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

In the grand scheme of things, individual fund selection just isn't that important. You're not going to become wealthy, or fail to become wealthy, because of which stock fund you own (although, as mentioned above, you may want to own more than one stock fund to minimize manager risk). Picking stock ...
by CyberBob
Thu Sep 25, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1576

Re: Best cell phone plan for Verizon iPhone 5

Transferring contacts is easy. I just did it for someone five minutes ago. On your Android phone, go to your Contacts. Tap the menu button and tap 'export visible contacts' (or similar, depending on Android version). This will create a VCF (Virtual Card File)file which iPhone will easily import. Ema...
by CyberBob
Sat Sep 20, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Best cell phone plan for Verizon iPhone 5
Replies: 12
Views: 1340

Re: Moshe Milevsky's Life Annuities Monograph

A nice complement to the Milevsky work might be Wade Pfau's paper An Efficient Frontier for Retirement Income First, the punchline: with a 4% withdrawal rate to meet lifestyle spending goals, a 65-year old heterosexual couple is best served by combinations of stocks and fixed single-premium immediat...
by CyberBob
Fri Sep 19, 2014 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 21
Views: 2489

Re: Share your Hot-Rod Portfolio

Fiery Four-Corners

20% Vanguard Large-Cap Growth Index ETF(VUG)
20% Vanguard Large-Cap Value Index ETF (VTV)
20% Vanguard Small-Cap Growth Index ETF(VBK)
20% Vanguard Small-Cap Value Index ETF(VBR)
20% Vanguard Emerging Markets Index ETF(VWO)
by CyberBob
Sat Sep 13, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4396

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Iceland.
Although, since many of its attractions are outdoor/scenery related, most people visit in the summer rather than winter.
by CyberBob
Fri Sep 12, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5919

Re: Angry when stock market is down

    Games are won by players who focus on the playing field – not by those whose eyes are glued to the scoreboard. If you can enjoy Saturdays and Sundays without looking at stock prices, give it a try on weekdays.
    -- Warren Buffett
by CyberBob
Fri Sep 12, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4313

Re: Do you keep paper copies of your investment statements?

A common practice seems to be to keep the monthly statements only long enough to see if they agree with the quarterly statements, and then only keep the quarterlies until the annual statement. Then just keep the consolidated annual statements (in paper or electronic form -- or both), so that even af...
by CyberBob
Tue Sep 09, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1972

Re: Will Vanguard ever have a Total World Bond Index Fund?

Vanguard has had a global bond fund for years. It's just not available in the U.S.

https://www.vanguard.co.uk/uk/mvc/loadPDF?docId=2036
by CyberBob
Sun Sep 07, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Will Vanguard ever have a Total World Bond Index Fund?
Replies: 2
Views: 315

Re: Question on Buffet's recent investment advice

Based on his previous recommendations, I would say that he most definitely didn't mean munis, but rather treasuries. Good old full faith and credit treasuries. And 'short' is probably something along the lines of 1-year t-bills since he often implies that their use is as a cash proxy. He also has sa...
by CyberBob
Fri Sep 05, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Buffet's recent investment advice
Replies: 8
Views: 1789
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