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Re: Your opinion about diversifying a 100% muni-bond portfol

Personally, I would take the 25% and invest in Vanguard Total World ETF and call it a day.
by Investing is boring
Tue Oct 08, 2013 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Your opinion about diversifying a 100% muni-bond portfolio?
Replies: 29
Views: 1783

Re: Why the currency concern over too much foreign holdings?

My view is that we continue to move towards "one world." I may live overseas for a while, likely EU. I may not. Either way, I certainly will or can have expenses in non-dollar terms. Maybe the euro crumbles and I go buy a condo on the beach in Spain? That covers the need for shelter. Maybe...
by Investing is boring
Tue Oct 08, 2013 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Why the currency concern over too much foreign holdings?
Replies: 71
Views: 4294

Re: SIMPLE IRA question for Backdoor ROTH

I set up a solo 401k for my wife through Vanguard. It really wasn't that much paperwork. Thank you for this. The Vanguard guy said I needed to fill out about 40 pages of forms, form an LLC or other legal entity, get a tax ID #, etc. After reading this I called TD Ameritrade, who I have a brokerage ...
by Investing is boring
Mon Oct 07, 2013 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: SIMPLE IRA question for Backdoor ROTH
Replies: 6
Views: 463

SIMPLE IRA question for Backdoor ROTH

My wife is a Realtor. I am considering opening a SIMPLE IRA for her. We also each do a Backdoor ROTH conversion from a Traditional IRA each year. My understanding after talking to Vanguard is that having a SIMPLE IRA will in no way impact our ability or tax liability in doing the typical Backdoor RO...
by Investing is boring
Mon Oct 07, 2013 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: SIMPLE IRA question for Backdoor ROTH
Replies: 6
Views: 463

Re: "Asset Dedication" retirement portfolio strategy

I like liability matching strategy using TIPS and iBonds (potentially EE bonds) ladder to get you from early retirement to maximum SS age. Then if needed, buy a SPIA to augment. I buy $20k in iBonds per year which supports: - EF - Portion of College Savings for future kids - Baseline for liability m...
by Investing is boring
Mon Oct 07, 2013 11:33 am
 
Forum: Investing - Theory, News & General
Topic: "Asset Dedication" retirement portfolio strategy
Replies: 9
Views: 1145

Re: Asset allocation vs Net worth. The boglehead money illus

This is EXACTLY the issue I attempt to address here: viewtopic.php?f=1&t=124059

Albit to less fanfare.
by Investing is boring
Fri Oct 04, 2013 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation vs Net worth. The boglehead money illusion?
Replies: 28
Views: 4072

Re: Home Equity in AA

The interesting thing about these replies is that not one has addressed the specific circumstances I outlined. All replies have been either "here is what I do" or boilerplate "here is the standard advise." This leads me to question the efficacy of all advice given. Unless of cou...
by Investing is boring
Fri Oct 04, 2013 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Home Equity in AA

Investing is boring wrote: The interesting thing about these replies is that not one has addressed the specific circumstances I outlined. All replies have been either "here is what I do" or boilerplate "here is the standard advise." This leads me to question the efficacy of all ...
by Investing is boring
Fri Oct 04, 2013 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Home Equity in AA

If the interest rate on your mortgage is lower than what you can get in reasonable FI, then you won't want to pre-pay the mortgage. If the interest rate on your mortgage is higher than what you can get in reasonable FI, then it is probably time to refinance. So the situation where you want to pre-p...
by Investing is boring
Fri Oct 04, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Home Equity in AA

So it's not clear how to count your house (because it doesn't work like other assets), but whatever you do for your house, there is a natural way to count the mortgage. If the state must pay you $1000 per month for the next 30 years, that would be a bond portfolio. If you must pay the bank $1000 pe...
by Investing is boring
Fri Oct 04, 2013 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Calpers Embraces Indexing

I think the key word here is "embrace". Calpers has not stated that it will only use indexing - in their words: Calpers will use index tracking strategies where we lack conviction or demonstrable evidence that we can add value through active management. So, this raises the question: where...
by Investing is boring
Fri Oct 04, 2013 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Calpers Embraces Indexing
Replies: 19
Views: 2708

Re: Home Equity in AA

I include the amount of mortgage I've paid off as part of my AA. Specifically, I include extra payments as if they were bonds. I use the regular 30 year amortization as my baseline. Basically, I printed out the original payoff schedule and any amount ahead of that I count as bonds. For rebalancing,...
by Investing is boring
Fri Oct 04, 2013 7:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Home Equity in AA

Think about it in terms of what the intention of the payment is for. If I use a 30-year mortgage as a baseline then the payment that would go towards a standard 30-year note isn't "saving" it's just meeting an obligation to have a place to live. I agree that the interest and taxes fit thi...
by Investing is boring
Thu Oct 03, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Home Equity in AA

YDNAL wrote:Good luck, investing_is_boring.


Thank you. I will take that at face value vs assuming you are being sarcastic with no counter-point to offer.
by Investing is boring
Thu Oct 03, 2013 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Home Equity in AA

So, you are 50 years old, with $1 million in investable assets and $1 million in home equity. *Your IPS* is then telling you that you should invest the investable assets in 100% Equities. Good luck with that! My suggestion is to avoid rationalizing "today" and look at the BIG picture inst...
by Investing is boring
Thu Oct 03, 2013 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Home Equity in AA

I have long been thinking about how to simplify decision making from a comprehensive view of my financial picture. Of course I have adopted the boglehead philosophy for investments of setting an AA based on need and ability to take risk, but I am always troubled by two things. 1) the exclusion of Em...
by Investing is boring
Thu Oct 03, 2013 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Home Equity in AA
Replies: 36
Views: 1742

Re: Where are all the gold bugs?

technovelist wrote:The same place as the stock bugs were in 2008-2009.



They were all here telling each other and themselves to be calm and stay the course. Go back and look. I see none of that from the gold bugs. Lack of conviction maybe?
by Investing is boring
Tue Oct 01, 2013 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Where are all the gold bugs?
Replies: 10
Views: 1016

Re: Recently liquidated & gov't shutdown...sit tight or inve

InvestorNewb wrote:I just bought more shares today thanks to the dividends that were paid on September 27th.


You actually did not buy them today. They were purchased on the ex-dividend date. They showed up in your account today.
by Investing is boring
Tue Oct 01, 2013 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently liquidated & gov't shutdown...sit tight or invest?
Replies: 21
Views: 2406

Where are all the gold bugs?

And here I thought government dysfunction is why you BUY gold? That or as predicted, the shinny rock isnt and investment, its a sales pitch.

http://www.cnbc.com/id/101077391
by Investing is boring
Tue Oct 01, 2013 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Where are all the gold bugs?
Replies: 10
Views: 1016

Pension Funds and Investment Consultants

http://www.cnbc.com/id/101076386 Results of a study from 1999-2011 on the value of Investment Consultant recommendations to Pension funds: "The study demonstrates, perhaps for the first time, that the investment consultants that pension funds rely on to advise them about what funds and investme...
by Investing is boring
Tue Oct 01, 2013 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Pension Funds and Investment Consultants
Replies: 1
Views: 291

Re: I-Bond Balance Unchanged

In January 2013, I purchased $10,000 of i-bonds through the TD site. Yesterday, I logged into the TD site to discover no change in my balance...it still shows my balance at the original $10,000. While I didn't expect to see much of an increase, a zero increase has me somewhat confused. Click on the...
by Investing is boring
Tue Oct 01, 2013 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Balance Unchanged
Replies: 5
Views: 809

Re: Taxable Investing eats away 60% of Potential Growth!?!?

I just re-read that you have debt. Can you share what the rate is on that debt?
by Investing is boring
Mon Sep 30, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Taxable Investing eats away 60% of Potential Growth!?!?
Replies: 25
Views: 3123

Re: Taxable Investing eats away 60% of Potential Growth!?!?

Look at iBonds and EEBonds. Great way to add nominal and inflation protected bonds, expand tax deferred space, allwith no principle risk. $10k per SS# per year for each of iBonds and EEBonds. You can get an additional $5k per year in iBonds from tax returns, but that is a bit pain and I don't bother...
by Investing is boring
Mon Sep 30, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Taxable Investing eats away 60% of Potential Growth!?!?
Replies: 25
Views: 3123

Re: Should I load up my 529?

529 beneficiaries can be changed. So you could always use the excess to send your grandkids to school. Or kids to an advanced degree. Plus you MAY get a tax break depending on your state of residence.
by Investing is boring
Mon Sep 30, 2013 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I load up my 529?
Replies: 6
Views: 697

Re: Taxable Investing eats away 60% of Potential Growth!?!?

By maxing out tax deferred space I assume you mean:

401k/403b
IRA
iBonds
EE Bonds
HSA (if applicable)
529 (if applicable)

Please confirm you are maxing all of these.
by Investing is boring
Mon Sep 30, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Taxable Investing eats away 60% of Potential Growth!?!?
Replies: 25
Views: 3123

Re: Poll: $ monthly contribution to 529/college savings

When we have kids in a year or so our plan is to buy a house and pay it off inside of 5 years, then max contribute to the 529 up to the limit of incurring gift tax. Since the 529 can change beneficiaries, after our kid('s) go to school, there should be money left over to take care of grandkids. At l...
by Investing is boring
Mon Sep 30, 2013 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 6608

Re: How Close Are You To Your Number and Financial Independe

I am 34. It is silly for me to speculate on my progress with a 20 year horizon in front of me. If I make many many assumptions then in aggregate I am ~20% there. If historical performance continues, I am 100% of the way there and just need to survive the 20 years and retire. Its a total SWAG at this...
by Investing is boring
Mon Sep 30, 2013 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6286

Re: Thoughts on real estate?

i posted earlier about cashing in my bonds. a friend of mine feels its best at this point to invest in hard assets like real estate. i really would like to buy a condo in my bldg but i dont feel ready to take on this responsibility and am worried about my job security. however, if i cash in my shor...
by Investing is boring
Sat Sep 28, 2013 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on real estate?
Replies: 10
Views: 1041

Re: Student loan repayment plan

Taking $200k of debt to get a job making $60k - $110k seems like a very poor financial decision. I would have to LOVE LOVE LOVE LOVE LOVE a profession to be willing to move forward with that.
by Investing is boring
Fri Sep 27, 2013 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan repayment plan
Replies: 20
Views: 1357

Re: rising rates bad for REITS?

investingisboring The "easy" part is getting out---much harder to decide when to get back in as never a green light to tell you that. That's why it's so difficult Best wishes Larry Yup. Thats why I put in the 5% dividend rule. Which would only work in REIT's given the 90% payout requireme...
by Investing is boring
Fri Sep 27, 2013 10:58 am
 
Forum: Investing - Theory, News & General
Topic: rising rates bad for REITS?
Replies: 19
Views: 2140

Re: rising rates bad for REITS?

investingisboring I not only agree with Bill but I wrote on that a while ago way to forecast REIT returns, take current div yield and SUBTRACT real growth in earnings of 1.5% (not add as would for stocks) Larry That was my take as well. After reading bernstien's post (which called the top in US REI...
by Investing is boring
Fri Sep 27, 2013 8:25 am
 
Forum: Investing - Theory, News & General
Topic: rising rates bad for REITS?
Replies: 19
Views: 2140

Re: Young Guys [and Gals] Making Good Money

Those that claim "luck" are the same that failed to have either the talent or drive to get where they wanted to go.

Their loss.
by Investing is boring
Wed Sep 25, 2013 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 24148

Re: rising rates bad for REITS?

Larry - I appreciate the note on correlations. However, in a broader analysis including fundamentals, Bill Bernstien suggested that REIT's have a very low future return when starting from today's dividend yields. If you haven't read his post, I will go dig it up and put a link here. Do you agree wit...
by Investing is boring
Wed Sep 25, 2013 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: rising rates bad for REITS?
Replies: 19
Views: 2140

Re: Shiller PE10 nearing nosebleed territory?

It would also be interesting to plot the spread between PE and PE 10 over time. Then look at the predictive qualities of PE10 based upon its spread with PE.
by Investing is boring
Tue Sep 24, 2013 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Shiller PE10 nearing nosebleed territory?

If you carefully read what I've posted, it clearly states that a higher P to E (you pick) means a change in expected "return" based on historical precedent. Please read the study by Cliff Asness, PhD that has looked into this historical relationship. There is a very specific table on this...
by Investing is boring
Tue Sep 24, 2013 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Shiller PE10 nearing nosebleed territory?

My point is that there is no statistical basis for an argument that says that PE10 has predictive capabilities today. Yet somehow this board of generally rational people, who have spurned the notions of market timing and active management based upon statistically significant arguments, flock to this...
by Investing is boring
Tue Sep 24, 2013 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Shiller PE10 nearing nosebleed territory?

Whether we wish to recognize it or not, "as PE10 climbs above 25, 30, and so on," this return/risk equation HAS changed. This is a false assumption. Therefore, all answers based on this assumption are SWAG's. If one pays 15E (that's 2009 PE10 btw) - pick your "E" - and it "...
by Investing is boring
Tue Sep 24, 2013 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Shiller PE10 nearing nosebleed territory?

YDNAL wrote:[*]Whether we wish to recognize it or not, "as PE10 climbs above 25, 30, and so on," this return/risk equation HAS changed.


This is a false assumption. Therefore, all answers based on this assumption are SWAG's.
by Investing is boring
Tue Sep 24, 2013 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Shiller PE10 nearing nosebleed territory?

Well, I can say I'm handy with math, aware of the historic data yet not concerned. My opinion is that many of those that are sounding alarm bells are entering the investment purgatory of the semi-passive (aka a little knowledge is a dangerous thing). In thinking about PE10, it is in effect some for...
by Investing is boring
Mon Sep 23, 2013 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Bogleheads, how do you search for a job?

It's a lot of work, but I went through maybe a hundred company websites that specialized in what I wanted to do. I got a really good response rate after spending time to write customized e-mails to specific individuals (not HR or automated systems). From the subject and cover letter, they could tel...
by Investing is boring
Mon Sep 23, 2013 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, how do you search for a job?
Replies: 17
Views: 2320

Re: Starting to tune out: Stupid or wise?

The only thing I would say is to give back. I think it is fair that you teach for at least as much time as you have spent here learning.

And by the way... there are gem's every now and then even for the know-it-all's like me.
by Investing is boring
Mon Sep 23, 2013 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting to tune out: Stupid or wise?
Replies: 13
Views: 1505

Re: Just bought a house, now what?

Please excuse my ignorance... but how and where do I purchase I-bonds? Are there different types to consider? Thanks! Not ignorant at all. I did not know about ibonds until I joined this forum. Here you will find all you need to know about ibonds. Please ask any follow up questions http://www.bogle...
by Investing is boring
Mon Sep 23, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just bought a house, now what?
Replies: 15
Views: 2291

Re: Young Guys Making Good Money

I do not feel that things like strategy or operations are worthwhile classroom learning material. They tend to be highly company-specific. I feel that sitting around doing case studies is not worth an additional $50k if I'm paying for it myself. I will address just this one issue. Strategy is somet...
by Investing is boring
Mon Sep 23, 2013 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 24148

Re: Young Guys Making Good Money

[I wonder if that attitude carries over to how you are perceived at the workplace. If you feel or think that some tasks are just "fluff" that may tarnish your reputation a bit, don't you think? Why don't you view the courses as a learning experience and LEARN from it, rather than just thi...
by Investing is boring
Mon Sep 23, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 24148

Re: Advisers Are Dead Even On Market Timing

This covers 1-week periods. It would be interesting to see: 1-month, 3-month, 6-month, 1 year, 3 year as well. Total market as measured by VTI has outperformed the S&P over the past 10, 5, 3 and one year periods. Thanks. But this has nothing to do with the question. The question related to advi...
by Investing is boring
Mon Sep 23, 2013 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Advisers Are Dead Even On Market Timing
Replies: 12
Views: 1443

Re: Advisers Are Dead Even On Market Timing

This covers 1-week periods. It would be interesting to see: 1-month, 3-month, 6-month, 1 year, 3 year as well.
by Investing is boring
Mon Sep 23, 2013 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Advisers Are Dead Even On Market Timing
Replies: 12
Views: 1443

A "good" article from CNBC

http://www.cnbc.com/id/101055408

Save + have a plan + stay the course = millionaire

Or at least thats what the study shows. Now if only there were a resource on the internet espousing these virtues for the layperson...
by Investing is boring
Mon Sep 23, 2013 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: A "good" article from CNBC
Replies: 10
Views: 2129

Re: Shiller PE10 nearing nosebleed territory?

I find strange two points: 1: if bogleheads are against market timing, why such an interest in "valuations"? 2: if bogleheads are so good at math, why do we continue to ignore a multiple sigma deviation in our 10 year "smoothing" for PE/10 - the implication being an artificially ...
by Investing is boring
Mon Sep 23, 2013 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Young Guys Making Good Money

If you don't sell you're going to lose that $170k job. ... and get a new one within a month. I get 5-10 recruitment attempts per month. Mostly through Linked in. I also have plenty of relationships that would jump at the chance to bring me on. If I lost my job tomorrow, within a month I would have ...
by Investing is boring
Mon Sep 23, 2013 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 24148

Re: Young Guys Making Good Money

You may be on to something here... This is why I started the thread. Something just didn't feel right. I'm from a working class family background, so I've had to rely solely on myself and have pretty much just been taking shots in the dark career and education wise for my entire life. This will hel...
by Investing is boring
Mon Sep 23, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 24148
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