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Re: Market Corrections — Befriending the Beast

Thanks to Leif and Simplegift for the replies. The Towneley chart posted by Leif is what I was looking for: How long it takes to return to the previous peak after a correction. Towneley's terminology is "Drawdown Duration In Months". Unfortunately, they don't have the data for the current ...
by Ever Ready
Wed Aug 27, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 18
Views: 2707

Re: Market Corrections — Befriending the Beast

Bottom line: Market corrections are normal, are usually soon reversed, and rarely mean the start of a long bear market.


Has anyone seen a chart showing how long it takes to get back to even after a correction?

Thanks.
Ed
by Ever Ready
Wed Aug 27, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 18
Views: 2707

Re: Barron's top 50 annuities

Using IE11 and doing my own Google search, I can now access the full article.
The links in the thread still don't work for me, in either IE11 or Firefox30.

Thanks for the help.
by Ever Ready
Sat Jun 21, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 1978

Re: Barron's top 50 annuities

As letsgobobby said, the current article is available through the Google backdoor.


That's how I found the older versions.
But using the Google link for the recent article
still takes me to the truncated article with the
Get the Full Story: "Subscribe or Log In" message.
by Ever Ready
Sat Jun 21, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 1978

Re: Barron's top 50 annuities

The link requires a subscription. However, a search will find the 2012 and 2013 versions are available for free.
by Ever Ready
Sat Jun 21, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 1978

Re: To stay a Boglehead, I have to leave Bogleheads.org

This is not an uncommon situation. Index investing can be pretty boring, too. One approach, recommended by Jack Bogle in "The Little Book of Common Sense Investing" is to use up to 5% of your assets as a "Funny Money" account, to try out other types of investments. Invest in exot...
by Ever Ready
Wed Jun 18, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 6142

Re: Whole Life Policy -- Cash out or hold onto it?

Would a 1035 exchange (non-taxable) into another insurance product be a good option?
by Ever Ready
Sun May 18, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy -- Cash out or hold onto it?
Replies: 14
Views: 1637

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

My account showed a note that VTSAX (TSM Admiral) went from .06% to .05%. I thought it was already .05%. It also showed thew change in VSIAX from .10% to .12% Their most recent article on 4/28/14 shows otherwise: https://personal.vanguard.com/us/insights/article/expense-ratio-changes-042014
by Ever Ready
Mon Apr 28, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7372

Re: Dr. B on Smart Beta: the new Bozo factor

Just as an intelligent investor will pay attention to valuations when choosing how to invest in the market, she will pay attention to valuations when choosing how (and whether) to invest in factors like small and value. Which valuation metrics are best to watch? P/E, P/B relative to total market? O...
by Ever Ready
Mon Mar 17, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dr. B on Smart Beta: the new Bozo factor
Replies: 6
Views: 895

Re: 10 year forecast for SP500

These formulas are only estimates of the "Fundamental" component of market returns. It must be combined with the "Speculative" component, sometimes referred to as PE expansion/contraction, for a complete forecast or prediction. Using only one component introduces even more inaccu...
by Ever Ready
Thu Mar 13, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: 10 year forecast for SP500
Replies: 23
Views: 2360

Re: "If your parents died early, will you die early too?"

I'm sure insurance companies would have studied the heck out of this,
but I don't recall ever being asked about parents longevity on a life insurance application.
by Ever Ready
Thu Feb 06, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 3427

Re: Investment books I have read.

Taylor,

You've journeyed through acres of investment "gems" to find the 3 fund portfolio "Majesty of Simplicity" in your own backyard.

Thanks for sharing your wisdom. I hope it saves others much time and trouble.

Thanks,

Ed (Ever Ready)
by Ever Ready
Thu Jan 30, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 19
Views: 2773

Vanguard launches global minimum volatility fund

https://personal.vanguard.com/us/insights/article/fund-announcement-12122013 Vanguard launches global minimum volatility fund Vanguard Global Minimum Volatility Fund is now available in two share classes—low-cost Investor Shares and even lower-cost Admiral™ Shares. The new actively managed equity f...
by Ever Ready
Thu Dec 12, 2013 10:51 am
 
Forum: Investing - Theory, News & General
Topic: [Vanguard Announces New Low Volatility Fund]
Replies: 91
Views: 13784

Re: Finding annualized returns for Morningstar categories?

Compost,

You're welcome. Sorry it didn't work out.
by Ever Ready
Sat Nov 30, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Finding annualized returns for Morningstar categories?
Replies: 13
Views: 687

5 Ways to Cheat the 4 Percent Withdrawal Rule

http://money.usnews.com/money/blogs/On-Retirement/2013/11/29/5-ways-to-cheat-the-4-percent-withdrawal-rule U.S. News & World Report On Retirement Blog By Robert Berger 5 Ways to Cheat the 4 Percent Withdrawal Rule This past week I had the pleasure of interviewing Rick Ferri on my weekly podcast...
by Ever Ready
Fri Nov 29, 2013 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: 5 Ways to Cheat the 4 Percent Withdrawal Rule
Replies: 8
Views: 1696

Re: Finding annualized returns for Morningstar categories?

Compost, Morningstar doesn't say how they calculate those values. However, you can check for yourself. Go to the "Growth of $10,000" chart and select "Customize Interactive Chart" This will allow you to select start and end points for the graph. Scrolling the cursor gives you the...
by Ever Ready
Sat Nov 23, 2013 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Finding annualized returns for Morningstar categories?
Replies: 13
Views: 687

Re: Finding annualized returns for Morningstar categories?

NonCompostMentis, It *appears* that I can derive this information from the "Performance" subsection of the main Morningstar quote page for each fund. For each period, taking the difference of the "Fund" performance and the "+/- Category" number seems to do the job. At l...
by Ever Ready
Fri Nov 22, 2013 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Finding annualized returns for Morningstar categories?
Replies: 13
Views: 687

AP IMPACT: Families hoard cash 5 yrs after crisis

http://bigstory.ap.org/article/ap-impact-families-hoard-cash-5-yrs-after-crisis Many families around the world have dumped stocks and are continuing to reduce debt, due to lack of confidence. Not a bad thing on an individual level, but collectively contributes to slower growth. When will confidence...
by Ever Ready
Sun Oct 06, 2013 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: AP IMPACT: Families hoard cash 5 yrs after crisis
Replies: 6
Views: 1265

Re: Securitization of commodities & hedging value

What are the best criteria for measuring asset class "popularity"?
by Ever Ready
Mon Sep 02, 2013 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Securitization of commodities & hedging value
Replies: 25
Views: 1260

Re: How to view ETF intraday NAV?

Yahoo finance has quotes and short term charts.
You could compare VT.IV to VT to see how the premium/discount varies over time.
by Ever Ready
Thu Aug 15, 2013 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: How to view ETF intraday NAV?
Replies: 12
Views: 693

Re: Build Your Own Annuity

Thanks to Mel for a great article (as usual). One point that is often overlooked is that the guaranteed rate on EE savings bonds can be changed for both newly issued and existing bonds . This has happened in the past in response to changing interest rate environments. It may seem unlikely to many th...
by Ever Ready
Fri Mar 01, 2013 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Build Your Own Annuity
Replies: 148
Views: 10965

Vanguard closes Wellington Fund to many new accounts

Vanguard Group said on Thursday it would stop opening new accounts from financial advisers and institutional customers in its popular $68 billion Wellington Fund, which invests in a mix of stocks and bonds. All current investors can continue to add money to the fund and retail investors will be perm...
by Ever Ready
Thu Feb 28, 2013 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 7511

Investors Are Ignoring the REAL Risks to the Market: Bogle

Investors Are Ignoring the REAL Risks to the Market: John Bogle
Video Interview with Matt Nesto Breakout 2-8-2013

http://finance.yahoo.com/blogs/breakout/investors-ignoring-real-risks-market-john-bogle-140549567.html
by Ever Ready
Fri Feb 08, 2013 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Investors Are Ignoring the REAL Risks to the Market: Bogle
Replies: 6
Views: 1291

Re: U.S. Gov't expects to sell Floating Rate Treasury Notes

Announced last summer, Wed Aug 01, 2012:

Treasury announces plans to offer floating-rate securities

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=100421&p=1452700#p1452700
by Ever Ready
Wed Feb 06, 2013 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. Gov't expects to sell Floating Rate Treasury Notes
Replies: 5
Views: 802

Re: What other Internet Forums do you recommend?

Early Retirement & Financial Independence Community

http://www.early-retirement.org/forums/
by Ever Ready
Sun Jan 06, 2013 1:02 pm
 
Forum: Personal Consumer Issues
Topic: What other Internet Forums do you recommend?
Replies: 10
Views: 2246

Re: Welcome back, everyone!

I definitely missed this place during this crazy week.
Thanks to Larry and Alex for their dedication to running the forum.
by Ever Ready
Fri Nov 02, 2012 9:34 pm
 
Forum: Forum Issues and Administration
Topic: Welcome back, everyone!
Replies: 52
Views: 4855

Re: Explaining the carry trade

Would this belong in the Good, the Bad, or the Ugly category?
by Ever Ready
Fri Aug 03, 2012 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Explaining the carry trade
Replies: 26
Views: 2371

Treasury announces plans to offer floating-rate securities

Treasury announces plans to offer floating-rate securities By Martin Crutsinger, Associated Press http://www.usatoday.com/money/perfi/credit/story/2012-08-01/treasury-floating-rate-debt/56645512/1 Coming in about a year. Will these be part of Total Bond Market? Will Vanguard offer a Floating Rate Tr...
by Ever Ready
Wed Aug 01, 2012 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Treasury announces plans to offer floating-rate securities
Replies: 7
Views: 1175

WSJ Article on Bridgeway Funds

Thought this article about Bridgeway was interesting:

Bridgeway Is Trying to Regain Its Stride
By GEORGETTE JASEN

http://online.wsj.com/article/SB10001424052702304199804577477022915042652.html



Disclosure: I own shares of one of their funds
by Ever Ready
Sat Jul 07, 2012 11:48 am
 
Forum: Investing - Theory, News & General
Topic: WSJ Article on Bridgeway Funds
Replies: 20
Views: 2278

Re: Best Vanguard ETF for dividends? VYM, VIG, another?

Is there an easy way to rank Vanguard ETFs by dividend yield?

Go to Vanguard's ETF info page, select "Performance" tab,
set filters to "Stock" and "Sector", sort by column heading "SEC Yield"
by Ever Ready
Sun Jun 24, 2012 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Best Vanguard ETF for dividends? VYM, VIG, another?
Replies: 5
Views: 1239

Re: Suggested decumulation strategies in retirement?

Hello fedsocprof, Sorry to hear about your situation. Hope you can make things work out. A major unknown and concern is our ability to obtain and pay for health insurance. I may be able to keep us covered for some time with COBRA, but we’ll still need to cover the time gap until we reach age 65. HIP...
by Ever Ready
Fri May 25, 2012 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested decumulation strategies in retirement?
Replies: 11
Views: 1493

Re: test for commodity pool advisors

I think its called "How to apply for welfare after you've lost all your money trading leveraged commodities"
by Ever Ready
Wed May 23, 2012 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: test for commodity pool advisors
Replies: 5
Views: 552

Re: Q1 Retail vs Institutional Small Value Funds

Guggenheim (formerly Rydex) S&P Smallcap 600 Pure Value RZV Q1 2012 +13.93% (data from Morningstar)
by Ever Ready
Wed Apr 11, 2012 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Q1 Retail vs Institutional Small Value Funds
Replies: 15
Views: 1221

Re: Currency Hedging International Equity

WisdomTree has a currency-hedged developed international fund. I believe the ER is about 0.6%
by Ever Ready
Sat Feb 25, 2012 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Currency Hedging International Equity
Replies: 23
Views: 950

Re: Treasury Direct security is horrible

KeePass Password Safe allows you to save text and images, as well as passwords (all are encrypted).
I save the security questions and answers for any site I use that has them.
http://keepass.info/
by Ever Ready
Thu Nov 03, 2011 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Direct security is horrible
Replies: 29
Views: 2717

Such a fund has existed since 1935

Such a fund has existed since 1935.

ING Corporate Leaders Trust Series B LEXCX

http://quote.morningstar.com/fund/f.aspx?t=LEXCX&region=USA&culture=en-us
by Ever Ready
Sat Oct 08, 2011 11:00 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts on Bogle's Dream Fund
Replies: 11
Views: 1841

Rem: Mr. Bogle on CNBC at 1pm 9/19

Rem: Mr. Bogle on CNBC at 1pm 9/19
by Ever Ready
Mon Sep 19, 2011 11:58 am
 
Forum: Investing - Theory, News & General
Topic: New Speech by John Bogle, Upcoming Appearance on CNBC
Replies: 14
Views: 2037

Basis of Value risk?

Hello Larry, It seems that a lot of value stocks are highly leveraged. Is that the basis of the value risk premium? Did Fama/Frecnh study this? I know many explanations have been put forward, such as cost of capital (creditworthiness), volatility of earnings. Is there one basis or many? Thanks, Ed
by Ever Ready
Mon Sep 12, 2011 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Another myth about value stocks
Replies: 21
Views: 2490

Secondary market pensions

I'm sure many have seen the tv ads for companies that will pay cash for structured settlements. I recently came across some info about a company that offers "secondary market pension cash flows from people that have retired from the US Military, US Government, State & Local Municipalities, ...
by Ever Ready
Tue Aug 23, 2011 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Secondary market pensions
Replies: 1
Views: 258

I got the same warning this morning, but it seems to be fixed now.
by Ever Ready
Wed Aug 03, 2011 11:03 am
 
Forum: Personal Consumer Issues
Topic: yahoo mail no certification Danger?
Replies: 15
Views: 1620

Results are highly dependent upon the shape of, and changes in the shape of, the yield curve. Usually the yield of the intermediate bonds will lie above the line connecting the 30 year bond and the t-bills. In this static case, the IT will have a higher return. But if the curve flattens or inverts, ...
by Ever Ready
Sun Jul 17, 2011 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury "Barbell" Question
Replies: 21
Views: 2281

Distribution type?

Hi Wade,
I am no expert on this, but I noticed that you said Prof. Terry used a normal distribution for his MC, while you used a lognormal. Is that enough to account for the difference in results?
by Ever Ready
Wed Jul 13, 2011 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Trinity Study Authors update their results
Replies: 506
Views: 80606

I want to be able to add bonds to my portfolio, but they have to be added in my taxable accounts. No, they don't. But it's your choice. If I were you, I would buy some Series I savings bonds (I-bonds). You can buy $5K per year of paper bonds and $5K per year online at Treasury Direct. They are tax-...
by Ever Ready
Wed Jul 06, 2011 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contractor in Afghanistan. Request Bond Portfolio Assistance
Replies: 6
Views: 854

It depends on the purpose you are holding it for.

For disaster insurance, own physical gold hidden very well on your property.

For inflation hedging or anti-correlation to stocks, hold an ETF like IAU.
by Ever Ready
Wed Jul 06, 2011 11:45 am
 
Forum: Investing - Theory, News & General
Topic: physical gold vs paper gold
Replies: 16
Views: 1684
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