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Howard Gold: Emerging Markets are Still Lousy Investment

http://www.marketwatch.com/story/emerging-markets-stocks-are-still-a-lousy-investment-2014-07-10

Based on the writer's views, I am puzzled why he didn't recommend Total Stock Market Index at the end. Comments?
by Jagman
Fri Jul 11, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Howard Gold: Emerging Markets are Still Lousy Investment
Replies: 4
Views: 1432

Re: Tax-Managed Small-Cap in Tax-Sheltered Account?

Thanks. I already have a substantial chunk in the extended-market index, and Vanguard's Small-Cap Index Fund/ETF (VB) seems like more of the same.
by Jagman
Tue Jun 24, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-Managed Small-Cap in Tax-Sheltered Account?
Replies: 2
Views: 279

Tax-Managed Small-Cap in Tax-Sheltered Account?

I am wondering if anyone does this. Vanguard's Tax-Managed Small-Cap Admiral Fund has an ER of .12, which is comparable to Vanguard's Small-Cap Fund with an ER of .09. Yet, the median market cap for the tax-managed fund is $1.5B, versus $3.1B for Vanguard's Small-Cap Fund. If you look at the profile...
by Jagman
Tue Jun 24, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Tax-Managed Small-Cap in Tax-Sheltered Account?
Replies: 2
Views: 279

Vanguard or DFA? "Vanguard, in a landslide..."

http://news.morningstar.com/articlenet/article.aspx?id=649555 May 2000 'At heart, DFA is by and for engineers. The company collected a ton of data, analyzed it extensively, and came up with an indexing scheme that it views as better and more-sophisticated than "naive" indexers like Vangua...
by Jagman
Sat May 31, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard or DFA? "Vanguard, in a landslide..."
Replies: 54
Views: 4695

Re: Fidelity vs. Vanguard

The Spartan lineup is very limited compared to Vanguard's array of low cost index funds. Fidelity doesn't even have a Total International Stock Index type fund. Spartan® Global ex U.S. Index Fund - Fidelity Advantage Class Symbol: FSGDX https://fundresearch.fidelity.com/mutual-funds/composition/316...
by Jagman
Sun May 25, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 8109

Re: Fidelity Stock Index Funds

Many indexing purists will advise you to go with the total market fund. However, you could tilt to the mid-cap/small-cap universe by buying a disproportionate amount of the extended market index. Opinions vary, and the results are uncertain, since nobody knows the future. Either approach is probably...
by Jagman
Sun May 25, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Stock Index Funds
Replies: 5
Views: 747

Re: Can we ever expect VG to offer ISV or EMV?

Admiral Shares in VFSVX (Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares) to match its cheaper ETF counterpart, VSS, would be nice.
by Jagman
Mon Apr 21, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Can we ever expect VG to offer ISV or EMV?
Replies: 18
Views: 1734

NYT: Re-education of a Brash Young Stock Picker

http://www.nytimes.com/2014/04/19/your-money/stocks-and-bonds/the-re-education-of-a-brash-young-stock-picker.html?_r=0 "Nine years ago, Randy Kurtz made an extraordinary bet on himself, the stock market and his ability to pick a few winners. He hung out a shingle for his money management firm ...
by Jagman
Fri Apr 18, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: NYT: Re-education of a Brash Young Stock Picker
Replies: 23
Views: 3797

Bernstein "blasts financial industry, backs 3-fnd portfolio"

http://blogs.marketwatch.com/thetell/2014/04/09/how-millenials-can-get-rich-slowly-book-blasts-financial-industry-backs-3-fund-portfolio/ “If You Can: How Millenials Can Get Rich Slowly” lobs many grenades at the financial industry, and it reiterates Bernstein’s prior advice to stick to a simple, l...
by Jagman
Wed Apr 09, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein "blasts financial industry, backs 3-fnd portfolio"
Replies: 15
Views: 4182

John Bogle, Index Icon, Accused of Timing Market

http://www.thinkadvisor.com/2014/04/02/john-bogle-index-icon-accused-of-timing-market?t=fixed-income&page=2 "Servo’s Eric Nelson is stunned that the Vanguard founder would endorse tactical allocation and favor risky corporate bonds while dissing small-value stocks." “I really don't me...
by Jagman
Wed Apr 02, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle, Index Icon, Accused of Timing Market
Replies: 44
Views: 5795

Re: Boxed Wines

IMO, Black Box has good red wine. We did not like the Black Box Riesling; we tossed it in the trash.
by Jagman
Mon Mar 31, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 2163

Is Small-Cap Value's 47.2% Turnover Rate Troubling?

Vanguard's Small-Cap Value Index (VBR) has a 47.2% turnover rate: https://personal.vanguard.com/us/funds/snapshot?FundId=5860&FundIntExt=INT#tab=2 Compared with the turnover rate in Vanguard's Total Stock Market Index (4.3%), Extended Market Index (10.9%) or even Small-Cap Index (29.2%), 47.2% i...
by Jagman
Thu Mar 27, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is Small-Cap Value's 47.2% Turnover Rate Troubling?
Replies: 11
Views: 1467

Re: TIPS Intermediate Fund vs. International Bond Fund

Fidelity's Inflation-Protected Bond Index Fund has a duration of 5.58 years: https://fundresearch.fidelity.com/mutual-funds/composition/316146125 ...I use it for my Fidelity IRA, along with Fidelity's total bond index fund. (Equal split) For my wife's Vanguard IRA, she uses Vanguard's short-term inv...
by Jagman
Sat Mar 22, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Intermediate Fund vs. International Bond Fund
Replies: 35
Views: 2999

Is Small Cap International Worth Extra Cost?

Current Asset Allocation: 15% Total Stock Market (VTI) 15% Total International (VXUS) 15% Small-Cap Value (VBR) 15% Small-Cap International (VSS) 40% Total Bond/TIPs Contemplated Asset Allocation: 20% Total Stock Market (VTI) 20% Total International (VXUS) 20% Small-Cap Value (VBR) 40% Total Bond/TI...
by Jagman
Sat Jul 13, 2013 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is Small Cap International Worth Extra Cost?
Replies: 17
Views: 1828

Bogle's View on TIPS

Bogle likes the Total Bond Market Index and maybe an extra dose of corporate bonds. Does he like TIPS? A lot of you have a 50/50 split of Total Bond Market (or intermediate Treasuries) & TIPS. I don't recall Bogle ever advising that investors add TIPS. Am I mistaken? Thanks in advance.
by Jagman
Sat Apr 13, 2013 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle's View on TIPS
Replies: 1
Views: 628

Re: Will Vanguard add Bond Fund/ETF for Emerging Markets?

Would you make a cheap emerging markets bond fund/etf part of your portfolio?
by Jagman
Sat Feb 09, 2013 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Will Vanguard add Bond Fund/ETF for Emerging Markets?
Replies: 4
Views: 450

Will Vanguard add Bond Fund/ETF for Emerging Markets?

Thoughts? ...it seems that this asset class has performed well over an extended period of time. Fidelity's FNMIX has a great record, despite its costs.
by Jagman
Sat Feb 09, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will Vanguard add Bond Fund/ETF for Emerging Markets?
Replies: 4
Views: 450

Re: Adding Vanguard REIT

25% total stock index
25% total international
25% small cap value (VBR)
25% small cap international (VSS)

...according to morningstar's "instant x-ray," this allocation has 8% in real estate.
by Jagman
Sat Jan 05, 2013 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding Vanguard REIT
Replies: 17
Views: 5891

Re: Portfolio: Smart or Stupid?

Many thanks for the thoughtful advice!
by Jagman
Mon Dec 24, 2012 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio: Smart or Stupid?
Replies: 13
Views: 1538

Re: Thoughts on Pimco's Australian Bond ETF?

Thanks. Very helpful!
by Jagman
Sat Dec 22, 2012 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Pimco's Australian Bond ETF?
Replies: 6
Views: 464

Thoughts on Pimco's Australian Bond ETF?

http://www.pimcoetfs.com/Funds/Pages/AUD.aspx

Would you consider adding this ETF to your bond allocation, if you live and work in the US?
by Jagman
Sat Dec 22, 2012 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Pimco's Australian Bond ETF?
Replies: 6
Views: 464

Portfolio: Smart or Stupid?

(edited as suggested below) Roth IRA 15%. Total Stock Market Index (7.5% of Total) 15%. Small Cap Index (7.5% of Total) 15%. Total International Stock Index (7.5% of Total) 15%. Small Cap International Index (VSS) (7.5% of Total) 20%. Total Bond Index (10% of Total) 20%. Short Term Corporate Bonds (...
by Jagman
Sat Dec 22, 2012 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio: Smart or Stupid?
Replies: 13
Views: 1538

Re: Converted Vang. fund to ETF. Any tax wizards on cost ba

YDNAL/sscritic, Mega-thanks! When I input the cost data into Vanguard, I would list the following: Date Acquired/Quantity/Total Cost/(Cost per Share) 3/21/2011/200.116/$10,500/$52.47 3/21/2011/3.414/$274.59/$80.43 3/21/2011/5.947/$572.91/$96.34 Correct? I assume that I would list the conversion date...
by Jagman
Mon Feb 06, 2012 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted Vang. fund to ETF. Any tax wizards on cost basis?
Replies: 16
Views: 693

Re: Converted Vang. fund to ETF. Any tax wizards on cost ba

To input cost data, Vanguard lists only 3 entries: date acquired, quantity and total cost. 3 separate mutual fund purchases means 3 separate lots? Do I need a CPA for this?
by Jagman
Mon Feb 06, 2012 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted Vang. fund to ETF. Any tax wizards on cost basis?
Replies: 16
Views: 693

Converted Vang. fund to ETF. Any tax wizards on cost basis?

On 21 March 2011, I converted VFSVX to VSS, and my cost basis information disappeared. On 23 March 2009, I purchased 525.000 shares of VFSVX at $20.00 per share for a total of $10,500. With reinvested dividends and capital gains on 23 Dec 2009, I added 8.956 shares at a cost of $30.66 per share. Tot...
by Jagman
Mon Feb 06, 2012 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converted Vang. fund to ETF. Any tax wizards on cost basis?
Replies: 16
Views: 693

Anyone rebalancing into stocks?

If so, what is your trigger? Set time during year? 1% off your target allocation? 5% off? Suggestions? ...ready to be brave, but scared to be foolish. Thanks.
by Jagman
Mon Aug 08, 2011 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone rebalancing into stocks?
Replies: 2
Views: 493

Re: Why not all bonds in Intermediate-Term Investment Grade?

VFIDX/VFICX ...or Inter-Term Corp Bond ETF (VCIT) That seems to be the strategy at Wellington: https://personal.vanguard.com/us/funds/snapshot?FundId=0021&FundIntExt=INT#hist=tab%3A2 https://personal.vanguard.com/us/FundsStrategyAndPolicy?FundId=0521&FundIntExt=INT The fund invests 60% to 7...
by Jagman
Fri Jul 01, 2011 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why not all bonds in Intermediate-Term Investment Grade?
Replies: 9
Views: 2436

Why not all bonds in Intermediate-Term Investment Grade?

VFIDX/VFICX ...or Inter-Term Corp Bond ETF (VCIT) That seems to be the strategy at Wellington: https://personal.vanguard.com/us/funds/snapshot?FundId=0021&FundIntExt=INT#hist=tab%3A2 https://personal.vanguard.com/us/FundsStrategyAndPolicy?FundId=0521&FundIntExt=INT The fund invests 60% to 70...
by Jagman
Thu Jun 30, 2011 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why not all bonds in Intermediate-Term Investment Grade?
Replies: 9
Views: 2436

Australia is awesome. Barring anything unusual on the family side, you would be foolish not to go. ...but even if it were Afghanistan for 4 months, it would be worthy of consideration.
by Jagman
Wed Jun 29, 2011 6:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you temporarily move to Australia?
Replies: 84
Views: 7157

Vanguard LifeStrategy Moderate Growth Fund (VSMGX)-Thoughts?

https://personal.vanguard.com/us/funds/snapshot?FundId=0914&FundIntExt=INT#hist=tab%3A0 "Rooted in asset allocation theory, Vanguard LifeStrategy Moderate Growth Fund seeks capital appreciation and a reasonable level of current income by investing in four other Vanguard funds: 30% Total St...
by Jagman
Tue Jun 28, 2011 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Moderate Growth Fund (VSMGX)-Thoughts?
Replies: 15
Views: 5530

Re: Thoughts on Stocks/Bonds Allocation

Stocks 15% Total Stock 15% Small Value 15% Total Int'l 15% Small Blend Int'l Bonds 20% Short-term Investment Grade or TIPS 20% Total Bond or Intermediate Treasuries Buy/Hold/Rebalance until retirement. Thoughts? You are inching closer to mainstream. :wink: http://www.bogleheads.org/forum/viewtopic....
by Jagman
Sun May 29, 2011 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Stocks/Bonds Allocation
Replies: 10
Views: 1433

Thoughts on Stocks/Bonds Allocation

Stocks
15% Total Stock
15% Small Value
15% Total Int'l
15% Small Blend Int'l

Bonds
20% Short-term Investment Grade or TIPS
20% Total Bond or Intermediate Treasuries

Buy/Hold/Rebalance until retirement. Thoughts?
by Jagman
Sat May 28, 2011 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Stocks/Bonds Allocation
Replies: 10
Views: 1433

Bond Ladders (vs Funds) for the Lazy...Why/How?

Multiple gurus have recommended bond ladders instead of funds. Is there general consensus that a bond ladder is the best, safest route? If so, how do you do easily construct a bond ladder within an IRA brokerage account, Fidelity or Vanguard? Thanks in advance.
by Jagman
Sun May 22, 2011 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Ladders (vs Funds) for the Lazy...Why/How?
Replies: 3
Views: 665

Re: Theoretically Yes

You're concerned only about overall portfolio risk. But careful how you choose your time periods. 1972 to present was a period of falling interest rates, in general, so of course the return/risk profile of a portfolio looks better with longer bonds. The dominant events risk wise of that period were...
by Jagman
Fri May 20, 2011 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Dr. Bernstein on Bond Duration
Replies: 111
Views: 16277

https://personal.vanguard.com/us/insights/article/bdc-expense-ratios-04292011 Vanguard: "The expense ratios of some Vanguard funds appear to have increased recently, but appearances can be deceiving. Fund expense ratios now reflect guidance from the Securities and Exchange Commission (SEC) abo...
by Jagman
Fri May 06, 2011 6:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Raises Fees on Small Cap Funds/ETFs
Replies: 72
Views: 8384

https://personal.vanguard.com/us/insights/article/bdc-expense-ratios-04292011 Vanguard: "The expense ratios of some Vanguard funds appear to have increased recently, but appearances can be deceiving. Fund expense ratios now reflect guidance from the Securities and Exchange Commission (SEC) abo...
by Jagman
Thu May 05, 2011 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Raises Fees on Small Cap Funds/ETFs
Replies: 72
Views: 8384

At first this bothered me, but now it looks like a good thing. The SEC is requiring funds to acknowledge that some of their underlying holdings may be charging ERs of their own, and that's what I'd think everyone would want. Vanguard is right that the fees haven't changed, but now we're getting dis...
by Jagman
Thu May 05, 2011 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Raises Fees on Small Cap Funds/ETFs
Replies: 72
Views: 8384

https://personal.vanguard.com/us/insights/article/bdc-expense-ratios-04292011 Vanguard: "The expense ratios of some Vanguard funds appear to have increased recently, but appearances can be deceiving. Fund expense ratios now reflect guidance from the Securities and Exchange Commission (SEC) abo...
by Jagman
Thu May 05, 2011 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Raises Fees on Small Cap Funds/ETFs
Replies: 72
Views: 8384

Vanguard Raises Fees on Small Cap Funds/ETFs

ER was .14 on VBR, and now it is .23

ER on VISVX is now .37

ER on Small Cap ETF and Admiral Shares was .14 and now is .18.

...if I am off, please let me know. Otherwise, where were the trumpets?

...Blackrock ETFs are more competitive as a result.
by Jagman
Wed May 04, 2011 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Raises Fees on Small Cap Funds/ETFs
Replies: 72
Views: 8384

Collapsing Dollar & Your Portfolio: Anyone Adjusting?

Is the decline of the dollar just "noise" or cause for alarm? Thoughts?
by Jagman
Sun Apr 24, 2011 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Collapsing Dollar & Your Portfolio: Anyone Adjusting?
Replies: 22
Views: 4331

I held a decent amount (for me, anyways) in VFSTX - ST Corp. during the 2008 panic. It didn't do quite what I was hoping it would do, which is offset some of the risk of stocks. When it came time to rebalance into riskier asset classes, I had to sell some shares in VFSTX at a loss. I chose this fun...
by Jagman
Fri Apr 22, 2011 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: No Brainer, 40% in Short-Term Corp Bonds: Smart or Dumb?
Replies: 37
Views: 3508

I think the question was: "40% in Short-Term Corp Bonds: Smart or Dumb?" Yes, I was wondering more about additional context. Is 40% in bonds dumb? Is using short-term corp as entire bond allocation dumb? Is the use of this specific Vanguard fund dumb? - DDB This portfolio puts the entire ...
by Jagman
Fri Apr 22, 2011 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: No Brainer, 40% in Short-Term Corp Bonds: Smart or Dumb?
Replies: 37
Views: 3508
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