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Re: No advantage of Slice and Dice vs 3Fund?

interesting.. Wellington (2/3 stock, 1/3 Bonds) did even better than the balanced fund. and it's ACTIVELY managed!? In a recent interview, Jack Bogle seems to say that Wellington isn't really very actively managed: In Wellington Fund's case, in the last decade 97% of its return has been determined ...
by CyberBob
Sun Aug 31, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 38
Views: 2134

Re: Total Bond Fund contains foreign Bonds?

Total Bond's holdings are actually yankee bonds, which, while issued by a non-U.S. entity, are still issued in the U.S. market and are denominated in U.S. dollars. Vanguard lists these as foreign bonds, so I guess they're going by the issuer in deciding the foreign-ness. But what about the market an...
by CyberBob
Sun Aug 31, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund contains foreign Bonds?
Replies: 4
Views: 441

Re: Blog:Vanguard UK cuts fees on index tracker funds and ET

Barry's post mentions LifeStrategy funds. Interesting. I wonder what a U.K. LifeStrategy fund looks like? The first thing I noticed (looking at the 60% equity version), was that the U.K. fund held 17 other funds, compared to 4 in the U.S. version. And as for composition, Here in the U.S. we often ta...
by CyberBob
Sat Aug 30, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard UK cuts fees on index tracker funds and ETFs
Replies: 2
Views: 391

Re: Should elderly play it safe & risk not having enough or

(And I have them scouring their budget to see what costs they can cut, as they have a good pension, some annuities and social security, yet are still being forced to sell some stocks every year to make ends meet). What's wong with selling some investments? Or, to put it another way, what's the alte...
by CyberBob
Fri Aug 29, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 13
Views: 1492

Re: iPod/iPhone speakers?

How about a pair of AudioEngine A2's? http://audioengineusa.com/Store/Powered-Speaker-Systems/A2-plus-B-Powered-Desktop-Speakers That link is for the A2+, which is similar to the A2 except it adds a USB input. I mention the difference because I've got a pair of new A2's sitting around that don't get...
by CyberBob
Fri Aug 29, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: iPod/iPhone speakers?
Replies: 4
Views: 284

Re: Total International Bond Index Fund

AlwaysSkeptical wrote:?..why is Vanguard "pushing" this fund?

According to Vanguard's The new reality of international bonds, they are now the largest asset class, so probably just hard to ignore.
by CyberBob
Tue Aug 26, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2643

Re: Received bank statements for a business using our addres

Should I call the bank? They'll become aware of the problem when they get the letter returned to them. According to the U.S. Post Office FAQ, the proper procedure is: If the mailpiece is delivered to the correct location but the recipient on the mailpiece does not reside at the address : Write &quo...
by CyberBob
Mon Aug 25, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Received bank statements for a business using our address
Replies: 7
Views: 551

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

I really liked the new Avalon until I rented one the other day for work. Big like a boat. Numb driving, torque steers when you punch it. Just wasn't for me. My thoughts exactly. It's no fun to drive. I drove a Soviet bloc-made panel van in Turkey once. That was the least enjoyable vehicle I've ever...
by CyberBob
Fri Aug 22, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 52
Views: 3978

Re: Juice up your cash returns (!) [What do you consider cas

The idea of not holding cash as actual cash seems to be getting more popular as the time of 0.01% money market fund yields continues. Here's an idea that instead of holding actual cash, you hold a riskier stock/bond portfolio at 130% of your cash needs, to account for the increased volatility: Safet...
by CyberBob
Thu Aug 21, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Juice up your cash returns (!) [What do you consider cash?]
Replies: 11
Views: 2172

Re: Savings Percentage [rules of thumb]

Quick-reference chart from Wade Pfau article in the Journal of Financial Planning.

How much you should save for retirement, based on 139 years of data.

Bob
by CyberBob
Tue Aug 19, 2014 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5355

Re: Bad(?) advice given about Target Date Retirement funds

Lately I have noticed the following (paraphrased) advice given about TD funds: For simplicity, invest in a TD fund but don't go by date, instead pick one with an AA that matches your risk tolerance. This seems to me to be bad advice because when you pick an AA you are also picking a glide path. If ...
by CyberBob
Mon Aug 18, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6373

Re: Is PIMCO Bond fund 50% cash?

Look up the holdings directly from PIMCO: https://investments.pimco.com/Products/Pages/346.aspx Sector Diversification (%) as of 07/31/14 US Government-Related1 45.00 Mortgage 20.00 US Credit2 12.00 Non-U.S. Developed 17.00 Emerging Markets 9.00 Other3 5.00 Money Market and Net Cash Equivalents4 -8....
by CyberBob
Sun Aug 17, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2882

Re: WSJ: Is Your Portfolio Too Diversified?

The portfolio that generated the highest return over the 20-year stretch was the simple 70-30 mix of U.S. stocks and bonds...

I read an interesting book 20 years ago -- Bogle on Mutual Funds.
Bogle wrote that a simple 65/35 balanced fund would meet the needs of many investors.

Bob
by CyberBob
Sun Aug 17, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 23
Views: 3315

Re: Debit VS Credit Cards Security

According to federal law, the Electronic Funds Transfer Act (EFTA), Electronic Fund Transfers (Regulation E) Section 1005.6 Liability of Consumer for Unauthorized Transfers 6(b)(3) limits your debit/ATM card liability if you report the issue within 60 days. And if you report it within 2 business day...
by CyberBob
Fri Aug 15, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit VS Credit Cards Security
Replies: 19
Views: 1505

Re: Mac Airbook

Laptop Magazine rates it as the best overall laptop: http://www.laptopmag.com/best-laptops One suggestion; forgo the mouse. The MacBook Air includes a trackpad that supports multiple types of gestures (sort of touch by proxy). When using a mouse, you'll lose these advantages (although an apple mouse...
by CyberBob
Wed Aug 13, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3172

Re: I got my invitation to open a wisebanyan account

Does WiseBanyan perhaps do other helpful things such as automated tax-loss harvesting?

Bob
by CyberBob
Tue Aug 12, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: I got my invitation to open a wisebanyan account
Replies: 5
Views: 624

Re: Copyright question

I second the Creative Commons recommendation. Maybe something like: https://i.creativecommons.org/l/by-nc-sa/4.0/88x31.png (Click for details) Of course, any kind of copyright, trademark, patent, etc. is only worthwhile to the extent you're willing to actually sue when someone infringes upon it. Bob
by CyberBob
Tue Aug 12, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1463

Re: x years of expenses

I don't think retirees need to hold anything in cash or to have an emergency fund. Stocks and bonds are fine , with bonds likely being a big part of the allocation. A lot of people would agree with you. I do. I wouldn't hold more than a year in cash. Certainly not seven years, as you'd be losing to...
by CyberBob
Sat Aug 09, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: x years of expenses
Replies: 10
Views: 1235

Re: ITOT vs FSTMX/FSTVX

Unlike ITOT, which is an ETF and is priced continuously, FSTMX is a mutual fund which is only priced once at the end of the day. It takes a bit after market-close to update, so you're likely looking at yesterday's quote. It's now showing +1.12%

Bob
by CyberBob
Fri Aug 08, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: ITOT vs FSTMX/FSTVX
Replies: 3
Views: 302

Re: How many Accounts do you log into and how do you manage?

How many logins? 40
How do I manage? 1Password
What's the one password? Diceware generated

Bob
by CyberBob
Wed Aug 06, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2551

Re: Current Relevance of Short Term Bonds - Bill Bernstein Q

Morningstar interview; Bill Bernstein and fixed income: Bernstein: Well, first of all, there's a lot of concern about fixed income as you've already alluded to. People are worried that the returns are going to be low, and I think that's almost a mathematical certainty. If yields stay where they are ...
by CyberBob
Wed Aug 06, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Current Relevance of Short Term Bonds - Bill Bernstein Q
Replies: 11
Views: 1219

Re: Where to find Early Retirement Plan & Calculator

These calculators are all interesting in one way or another. But, as Yogi Berra said, "It's tough to make predictions, especially about the future." FIRECalc FinancialMentor Ultimate Retirement Calculator Flexible Retirement Planner Optimal Retirement Planner Vanguard Retirement Nest Egg C...
by CyberBob
Mon Aug 04, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Where to find Early Retirement Plan & Calculator
Replies: 5
Views: 814

Re: Suze Orman - Doesn't Like Target Date Funds

denovo wrote:1. First let's consider the bad actors like T. Rowe which use high-fee funds and then put an expensive wrapper fee on top if it.

T. Rowe Price doesn't charge a wrapper fee on their retirement funds, only the pro-rata share of the underlying fund expenses.

Bob
by CyberBob
Sun Aug 03, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman - Doesn't Like Target Date Funds
Replies: 26
Views: 3684

Re: "Best 401(K) Plans"

"...ConocoPhillips has a generous match, where an employee can put in one percent and Conoco will match you nine times that. Philip Morris offers a generous additional contribution -- they add 15% of employee compensation at the end of the year no matter what employees saved in their accounts....
by CyberBob
Sun Jul 27, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2334

Re: The article on tax efficient placement needs to be rewri

rca1824, One of the defining characteristics of a wiki is that it is collaborative, rather than written by only one person. In fact, a wiki thrives when it has more contributions. So if you have an addition you think valuable, I invite you to please go ahead and just add it to the wiki. The wiki is ...
by CyberBob
Wed Jul 23, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4500

Re: Do you own a DOW30 or NASDAQ100index fund?

I don't think that number of companies is necessarily the critical factor between these two indexes. If these were the only two options, I'd prefer the Dow because although it has fewer companies, it seems to be designed to be a more diverse index and more representative of the economy. The NASDAQ i...
by CyberBob
Wed Jul 23, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 14
Views: 767

Re: Paperwhite for Cloudy-Day Reading

The Paperwhite is actually front lit, not back lit. That is, the light is in front of the e-ink screen, rather than behind and shining through it like an LCD screen. To me, that results in no added eyestrain. And yes, the brightness is adjustable. Although, while it certainly does light the screen, ...
by CyberBob
Sun Jul 13, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1850

Re: Ditch car and commute to work in 250cc scooter in Raleig

tidalwave10 wrote:Considered a SmartCar for Two once.

If you're going to go that route, a Scion IQ (Toyota) is much nicer.

Bob
by CyberBob
Sat Jul 12, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 79
Views: 6634

Re: Diversify International Index Funds

You can cover international well with Vanguard Total International Stock Index (VGTSX/VTIAX/VXUS).

Bob
by CyberBob
Mon Jul 07, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversify International Index Funds
Replies: 5
Views: 611

Re: ~$200K short term loan for house?

I never thought about it before, but how about a margin loan? My parents just did one for a few months from their Fidelity account. It seemed like a win-win (as long as you're nowhere near margin call territory) since it didn't require any mortgage paperwork, no capital gains from selling investment...
by CyberBob
Mon Jul 07, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: ~$200K short term loan for house?
Replies: 10
Views: 838

Re: Do Wellesley's Equities Outperform?

In a recent interview, Jack Bogle seems to say that there is no out-performance with Wellington, and I would assume Wellesley is similar: 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. http://news.invest...
by CyberBob
Sat Jul 05, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4900

Re: compare tablets with and without a stylus pen

I suppose personal preference comes into play, but unless you're an artist, and are going to use it for drawing, I feel that a stylus actually gets in the way of the design functionality. Keyboards are even worse. What you use the tablet for might matter as well, but I'm actually iPad-only for 100% ...
by CyberBob
Fri Jul 04, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: compare tablets with and without a stylus pen
Replies: 6
Views: 415

Re: What to do with old Macbook Pro?

I've always had great success using http://www.gazelle.com
It's quick, easy, and no hassle, which, to me, is a huge plus.

Bob
by CyberBob
Fri Jul 04, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1905

Re: Couch Potato Index ETF portfolio ideas

Simple as 1-2-3-4...

10% Vanguard Total International Bond (BNDX)
20% Vanguard Total International Stock (VXUS)
30% Vanguard Total Bond Market (BND)
40% Vanguard Total Stock Market (VTI)

Bob
by CyberBob
Wed Jul 02, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Couch Potato Index ETF portfolio ideas
Replies: 4
Views: 385

Re: Preparing to shift from corporate bonds back to treasuri

In a thread discussing David Swensen's recommendation of treasuries over corporates, Larry Swedroe mentions that the default premium has been all of 30bp.

viewtopic.php?f=10&t=139310&p=2059862#p2059862

Bob
by CyberBob
Mon Jun 30, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing to shift from corporate bonds back to treasuries
Replies: 2
Views: 370

Re: What emering Market Funds do you like?

Would this be considered a compatible 3 fund portfolio?... Vanguard Emerging Markets Stock Index Fund Investor Shares (VEIEX) $3000 /cost per share $27.29 Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) $3000 /cost per share $49.48 Vanguard Total Bond Market Index Fund Investor Share...
by CyberBob
Sun Jun 29, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What emering Market Funds do you like?
Replies: 25
Views: 2052

Re: Paperless Statements (bank checking acct)

Aren't all bank accounts paperless? That is, your bank doesn't have a ledger book with your account information in it. All they have are electronic records.

Bob
by CyberBob
Sun Jun 29, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3123

Re: NE Ohio (Cleveland Area) Master Thread

Darn it, I missed the June meeting. Is the next meeting going to be the third Saturday in August? The 16th?

Bob
by CyberBob
Sat Jun 28, 2014 9:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 18
Views: 2253

Re: Anyone switch to non-branch banking?

I worry about being able to get out more than the max amount I can withdraw from an ATM in an emergency. I've been online banking only since 1997. Yep, an early adopter when I found a bank that let you use a money market fund as your primary checking account. That is, they accepted third-party chec...
by CyberBob
Mon Jun 23, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4391

Re: First anniversary gift ideas

gte939h wrote:They don't have to be the traditional "paper" gifts but I am open for those too.

Not sure if it will help, but the modern version of the list for the first anniversary is "clocks".

Bob
by CyberBob
Sat Jun 21, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: First anniversary gift ideas
Replies: 21
Views: 1160

Re: Electronic person-to-person payments

Does your bank offer one? They don't always advertise it much, but many banks have free access to http://www.PopMoney.com which can send via text or email (Chase, Citibank, Bank of America, Wells Fargo, Ally, Suntrust, PNC, etc)

Bob
by CyberBob
Wed Jun 18, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic person-to-person payments
Replies: 19
Views: 1554

Re: No bonds at all.

Professor Wade Pfau has suggested in his paper An Efficient Frontier for Retirement Income that there is no need for retirees to hold bonds because the efficient frontier for retirees consists of combinations of stocks and fixed single-premium immediate annuities. http://papers.ssrn.com/sol3/papers....
by CyberBob
Mon Jun 16, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 12041

Re: IMCA Capital Unsolicited Card Sent?

According to this, it's not a real card, but simply an invitation to do business with them, and no credit was checked. Sounds like run-of-the-mill deceptive advertising.
http://imcacapital.wordpress.com

Bob
by CyberBob
Fri Jun 13, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 1666

Re: Bernstein's 4 fund portfolio. Your thoughts?

How about 20% US TSM, 20% TISM, 20% TBM, 20% REITS, and 20% commodities?? Call it the Indifferent portfolio. Opt for TIPS instead of commodities and you've got the Nano portfolio, which also has a remarkable resemblance to David Swensen's portfolio: http://www.bloomberg.com/apps/news?pid=newsarchiv...
by CyberBob
Fri Jun 13, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: *Gibson's* 4-fund portfolio from book "Asset Allocation"
Replies: 47
Views: 2484

Re: Nasdaq 100 - Why not ?

Are you also considering the NYSE composite index, which measures the performance of only stocks listed on the New York Stock Exchange? If not, then forget the NASDAQ ETF. They're both kind of silly indexes since the common theme of both is stocks that trade on a particular exchange. Why does that m...
by CyberBob
Wed Jun 11, 2014 12:42 am
 
Forum: Investing - Theory, News & General
Topic: Nasdaq 100 - Why not ?
Replies: 9
Views: 508

Re: IUSB- new iShares domestic bond ETF

I believe that the modest exposure to high yield debt in a total bond market fund is more than adequate for most investors. The aggregate bond index followed by the total bond funds is investment grade bonds only, no junk (or munis). I think Bitzer is suggesting that the new ETF, if it includes jun...
by CyberBob
Tue Jun 10, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: IUSB- new iShares domestic bond ETF
Replies: 6
Views: 625

Re: Why have more than 70% stocks?

...just about everybody's target fund contains too much stock. Bogle is actually thinking that the opposite is true: "So, I'd say, when you think about Social Security, an awful lot of people in this country using target-date funds are underinvested in equities." http://www.morningstar.co...
by CyberBob
Mon Jun 09, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more than 70% stocks?
Replies: 12
Views: 1498
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