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Re: VXUS and VTI names

Yes, the same thing has driven me nuts for a while.

VXUS gets me every time - I get how you're supposed to remember it, but it has 'US' right in it - why not VINT? Or of course: VTI?

And why not VTUS for Vanguard Total US?

The best ticker they have is VT - short, sweet, Vanguard Total World.
by Noobvestor
Wed Jan 28, 2015 3:54 am
 
Forum: Investing - Help with Personal Investments
Topic: VXUS and VTI names
Replies: 13
Views: 643

Re: Simplified UB&H has been underperforming the S&P500 - Wh

It also has a small-value tilt, which have lagged the broader market where Mid-Caps and Growth stocks have been outperforming. Over the past 10-year period, Small-Value funds have underperformed many large-growth index funds. Untrue overall - Vanguard Small Cap VAlue, for instance, beat Vanguard To...
by Noobvestor
Wed Jan 21, 2015 4:08 am
 
Forum: Investing - Theory, News & General
Topic: Simplified UB&H has been underperforming the S&P500 - Why?
Replies: 6
Views: 669

Re: Richest 1% - Control Half of Global Wealth

It means this topic is going to be locked. :oops: - It must be personal. In other words, you must be asking about your own situation. You can also ask on behalf of someone specific, such as a family member. - It must be actionable. You must be able to do something specific with the replies that wil...
by Noobvestor
Mon Jan 19, 2015 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Richest 1% - Control Half of Global Wealth
Replies: 7
Views: 971

Re: Portfolio review

Greetings and welcome to the forum - you're off to a good start and in the right place! You have a fair bit of overlap in your portfolio - Total Stock contains the 500 index fund as well as small caps and value stocks. If you want to tilt, you're kind of working at cross-purposes if you're tilting t...
by Noobvestor
Mon Jan 19, 2015 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 5
Views: 481

Re: How to AA Risk Portfolio

Assume an investor has established a LMP to cover them rest of their life. (Lets not debate if he really does ) The investor has "X" left over for the Risk Portfolio. For simplicity, lets say the amount available for the Risk Portfolio is 100k. Investor's main goal for the RP is for it to...
by Noobvestor
Mon Jan 19, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: How to AA Risk Portfolio
Replies: 4
Views: 409

Re: Target Portfolio Discount Double Check

Looks pretty good overall. I'd question the severe tilt toward US stocks and exclusion of emerging markets, but to each their own. Leaving that 'extra' bit in the 500 index is fine since you'll probably be periodically rebalancing within that account anyway.
by Noobvestor
Mon Jan 19, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Portfolio Discount Double Check
Replies: 5
Views: 767

Re: Review- Young Couple On the Right Track?

Given your age is it safe to say you've never been through a downturn with money on the line? I worry about your combination of tilted and low-bond portfolio. 5% bonds is basically the same as 0% bonds, and your tilts are pretty heavy. Also not sure why the huge tilt planned toward REITs, though I u...
by Noobvestor
Mon Jan 19, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review- Young Couple On the Right Track?
Replies: 2
Views: 443

Re: 401 (k) options revistited (again)

I feel like we're missing some information here - maybe you could summarize what you have in other accounts and/or what you have access to? The expense ratio on your large cap is rather lousy, but not so bad that if that's what your IPS calls for you should forego it. I don't know where to draw the ...
by Noobvestor
Mon Jan 19, 2015 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401 (k) options revistited (again)
Replies: 1
Views: 180

Re: What is the international portion of your portfolio and

30% and declining. As international continues to perform poorly in comparison to US, and adding more to US only, international is becoming less a portion of my portfolio. Has there been a time where international has performed better than US? If so, when? TIA This needs to be stickied as a very dan...
by Noobvestor
Mon Jan 19, 2015 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 129
Views: 9383

Re: Valuation of I Bonds

I love the analysis, Timer, and other pieces of this discussion, but I just can't wrap my head around comparing TIPS and I Bonds without regard to differences in tax treatment, though I realize that introduces a lot of person-specific variables that would be impossible to meaningfully simplify.
by Noobvestor
Mon Jan 19, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Valuation of I Bonds
Replies: 29
Views: 2922

Re: Advice on portfolio

Hi and welcome to the forum! Health Care and REITs are not good for taxable accounts - active, high turnover, lots of dividends, etc... I would suggest ditching those. Total Bond is also not good for a taxable account - instead of trying to keep the same allocation in each account try thinking of al...
by Noobvestor
Mon Jan 19, 2015 1:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on portfolio
Replies: 8
Views: 623

Re: New Boglehead Portfolio Checkup

Welcome! You are broadly on the right track but your portfolio is not as tax-efficient as it could be, and hard to assess since you hold a mix of holdings in every account (so thanks for breaking it down at the end) In taxable, active funds like Growth & Income and niche/segment funds like Small...
by Noobvestor
Mon Jan 19, 2015 1:38 am
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Checkup
Replies: 3
Views: 849

Re: taxable account investment options

Hello Everyone, I have been maxing out my 401k and Roth IRA contributions for 10 years. I do not have a traditional IRA and I use the backdoor contribution technique to contribute to my Roth. I use target date funds or asset allocation balanced funds in my accounts to keep things simple. My asset a...
by Noobvestor
Mon Jan 19, 2015 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: taxable account investment options
Replies: 4
Views: 514

Re: What is the international portion of your portfolio and

I've lived overseas (5 years in UK and 5 years in Japan) and worked extensively with European and Asia suppliers. When I compare U.S. companies with their overseas counterparts, I don't see any inherent advantages that the overseas companies have that will tend to make them more successful in the m...
by Noobvestor
Sat Jan 17, 2015 3:06 am
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 129
Views: 9383

Re: Bitcoin - how might it affect international investing?

So, since I last posted a chart to this thread, Bitcoin shot up from $100 or so to nearly $1200, then slowly drifted back down to $200. I love that you can Google 'Bitcoin price' now and just get a conversion rate and chart: Is there any other context where you would describe a yearly loss of 76% a...
by Noobvestor
Sat Jan 17, 2015 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin - how might it affect international investing?
Replies: 34
Views: 3842

Re: Why invest in International funds? It's a mystery

Past performance does not predict future results. Imagine having this conversation in 1972 and looking at data from 1942-1972. Would you have thought it possible that Soviet Union would not only fall but become the world's sixth largest capitalist economy? How about the ability to buy Chinese stock...
by Noobvestor
Sat Jan 17, 2015 12:16 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10497

Re: Eliminating the "Face Palm" Icon

LadyGeek wrote:Here's the original post where the site owner, Alex Frakt, introduced the icon: Re: No more "oops" emoticon?

It was a response to removing the animated icons, which is explained in the post.


:beer
by Noobvestor
Fri Jan 16, 2015 9:55 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2042

Re: Wellington Fund as primary retirement investment

I scanned the thread and am surprised (unless I missed it?) that no one has mentioned the Tax-Managed Balanced Fund:

https://personal.vanguard.com/us/FundsS ... IntExt=INT
by Noobvestor
Fri Jan 16, 2015 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4710

Re: Bitcoin - how might it affect international investing?

So, since I last posted a chart to this thread, Bitcoin shot up from $100 or so to nearly $1200, then slowly drifted back down to $200. I love that you can Google 'Bitcoin price' now and just get a conversion rate and chart:

Image
by Noobvestor
Fri Jan 16, 2015 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin - how might it affect international investing?
Replies: 34
Views: 3842

Re: Bitcoin - how might it affect international investing?

protagonist wrote:"The United States government denied bitcoin entrepreneur Roger Ver a non-immigrant visa for the third time last week, reported Coin Desk. Ver publicly renounced his American citizenship last year because he didn’t want to pay taxes."


:D :D :D
by Noobvestor
Fri Jan 16, 2015 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin - how might it affect international investing?
Replies: 34
Views: 3842

Re: Total World Stock Index Fund

Yes, thanks. I didn't look carefully enough and it seemed they were all close around Dec 08 but you're right, when the fund actually started 2 of the 3 other curves are significantly higher. If you want to compare, Morningstar makes it pretty easy to put in various funds and slide around the start ...
by Noobvestor
Fri Jan 16, 2015 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total World Stock Index Fund
Replies: 3
Views: 912

Re: Valuation of I Bonds

I think the biggest value difference has to do with taxation - how valuable is it to you to be able to defer taxes for anywhere between 1 year and 30 years (I Bonds), versus having to deal with taxes either continuously (TIPS taxable) or whenever retirement rolls around (TIPS tax-advantaged). Also, ...
by Noobvestor
Fri Jan 16, 2015 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Valuation of I Bonds
Replies: 29
Views: 2922

Re: Investing $3,000 In a Taxable Account

tainted-meat wrote:Between those choices, I would pick Total Stock Market. It's tax-efficent and diversified.


I would probably do the same, with the caveat that you can rearrange things in your tax-advantaged accounts to make the whole portfolio (across accounts) add up the way you want.
by Noobvestor
Fri Jan 16, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $3,000 In a Taxable Account
Replies: 14
Views: 1597

Re: Why invest in International funds? It's a mystery

You know, the health care sector has done really well for the last 5, 10, 15 and 25 year periods - I'm thinking why bother with the rest of the market? Why not just buy healthcare? /s http://i.imgur.com/pFWhA0q.jpg Above: Vanguard Health Care Fund vs. US Market, past 30 years. Try it yourself - I wa...
by Noobvestor
Fri Jan 16, 2015 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10497

Re: How do I retire?

Long time reader, first-time poster. Here's my problem: I'm 59 years old, working in marketing for 36 long, long years. I've never really liked it (hated it at times), but have stuck it out for years because the pay has been pretty good, and I come from modest circumstances, at best. My current bos...
by Noobvestor
Fri Jan 16, 2015 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 4705

Re: Would you buy Total World index if it had Admiral Shares

bonn and Newbvestor, You are making the standard argument for a global portfolio: diversification is good, concentrated bets are bad. Got it, and I'm not saying that's wrong. But IlliniDave's point was not about expecting the US market to perform better than that of Germany, Italy, Russia, or where...
by Noobvestor
Thu Jan 15, 2015 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 61
Views: 7328

Re: How would you invest $1.2 million?

So let's assume the earth moves and I can persuade the situation to be looked at we all decide to stay together and re-allocate the funds to Vanguard, how would you allocate the $1.2m? Since you have different people with different risk tolerances, needs, etc... I would try to go with something rel...
by Noobvestor
Wed Jan 14, 2015 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How would you invest $1.2 million?
Replies: 28
Views: 4031

Re: How would you invest $1.2 million?

Some of the trust members don't think there is much difference between 0.80% and 0.17%. I am trying to get them to see otherwise. I highly recommend showing them this - or if the interactive element is too much, just move the slider and screenshot both .80% and .17% to show them the difference: htt...
by Noobvestor
Wed Jan 14, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How would you invest $1.2 million?
Replies: 28
Views: 4031

Re: Would you buy Total World index if it had Admiral Shares

With free-market capitalism, maybe this time it's different. In the last 100 years we've had 2 "world wars" and a 40+ year "cold war" that would have substantially affected a "global" investor. It's rare to see data for the "ex-US" equity category going back ...
by Noobvestor
Wed Jan 14, 2015 4:14 am
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 61
Views: 7328

Re: Fortune 500 index fund

I am looking for an ETF or Fund that tracks the Fortune 500. State Street Global Investor's (SSgA) had one in the early 2000's, a streeTRACKS sector Fund, actually an ETF listed on AMEX as FFF but switched it into the Wilshire 5000 index due to confusion over the Fortune 500 List. Recently saw a br...
by Noobvestor
Tue Jan 13, 2015 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fortune 500 index fund
Replies: 5
Views: 666

Re: 100,000 or Bust...

Hey Guys, Someone told me to check out this forum and I have to be honest, it's great ,but a little overwhelming for someone like me. I learned 2 things after reading through the threads. 1. I need a lot more education when it comes to finance. 2. I need a lot more education on finance. Here is wha...
by Noobvestor
Tue Jan 13, 2015 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100,000 or Bust...
Replies: 9
Views: 1162

Re: Jack Bogle and I-Bonds

Huh, someone should really ask at the reunion this year!
by Noobvestor
Tue Jan 13, 2015 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle and I-Bonds
Replies: 10
Views: 1370

Re: Bogleheads 2015 Hedge Fund Contest

LadyGeek wrote:
Noobvestor wrote:~~~ Noobaloney ~~~ A future of bright creative clouds...

Noob - I hope you realize the contest is closed to new entries. The deadline was last week.


Whoops, I read the deadline wrong ... oh well ... guess I'll compare my theoretical results at the end and see ;)
by Noobvestor
Tue Jan 13, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9768

Re: How much in I bonds do you own?

I'll third (or fourth?) the motion: TreasuryDirect is very easy to use. It has a slightly more complex password system than some other institutions, but it's linked to your bank account and easy to make purchases in a matter of minutes. Plus I only really log into it once a year, so not much time/ef...
by Noobvestor
Tue Jan 13, 2015 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3109

Re: How much in I bonds do you own?

Wow, someone really holds more than 500,000 in I Bonds? Amazing!
by Noobvestor
Tue Jan 13, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3109

Re: European investors - Hedging U.S. dollar position

I would probably tilt toward Europe somewhat in equities then add Euro-denominated bonds. If you assume something like bonds should be at least 25% of a portfolio and if you made Europe 1/3 of your remaining stock allocation (25% of total) then Euro-denominated holdings would be 50% of the portfolio...
by Noobvestor
Tue Jan 13, 2015 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: European investors - Hedging U.S. dollar position
Replies: 9
Views: 685

Re: Questioning the conventional logic on dividend reinvestm

Even if you do dump dividends into a money market fund (which I do) there's no reason that can't be part of your portfolio. In my case I treat it as a zero-duration bond holding - it only gets up to a few percent of the portfolio, but either way it's not wasted money, just a very short-term fixed in...
by Noobvestor
Tue Jan 13, 2015 3:56 am
 
Forum: Investing - Theory, News & General
Topic: Questioning the conventional logic on dividend reinvestment
Replies: 24
Views: 2207

Re: Poll: Do you own I Bonds?

I confess I'm kind of in love with I Bonds, even with the 0% fixed rate. I've been buying them every year for 5 years now and have no plans to stop. Extra tax-advantaged space, guaranteed to keep up with inflation, I can hold them for decades and yet I also could redeem them at any time if I really ...
by Noobvestor
Mon Jan 12, 2015 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5456

Re: Bogleheads 2015 Hedge Fund Contest

~~~ Noobaloney ~~~ A future of bright creative clouds, international commerce and global information infrastructure against the tyranny of an overbearing pseudo-monopoly, a tyrannical tweet-limiter and a Facebook-sucking leach. Long: ADBE - Adobe BABA - Alibaba GOOGL - Google Short: CMCSA - Comcast...
by Noobvestor
Mon Jan 12, 2015 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9768

Re: Net Worth Survey, 2015 Edition

LadyGeek wrote:That's a bit easier to see. OK, one more opinion. Your linear trend line is forcing one to look on this as "higher net worth with age" - we don't know that's the case. My first impression is that net-worth peaks around 55-60. Try using a higher order curve-fit.


+1
by Noobvestor
Mon Jan 12, 2015 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21861

Re: Help with bond allocation

I wouldn't worry it overly - you've got a bit of a jumble but nothing too crazy. Maybe try to target 50/50 TBM and TIPS if you want both some nominal and inflation-protected, aside, of course, from bonds you have in taxable accounts (for which it looks like you've got a your-state muni fund, which i...
by Noobvestor
Mon Jan 12, 2015 6:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with bond allocation
Replies: 3
Views: 922

Re: Treasury funds - combining for duration

Barbelling is a pretty typical and accepted strategy - should work out similarly to holding a fund with the exact duration you are targeting would do.

See also: http://www.bogleheads.org/forum/viewtopic.php?t=73669
by Noobvestor
Mon Jan 12, 2015 4:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury funds - combining for duration
Replies: 4
Views: 446

Re: TIPS spread as inflation prediction

Spread between 30 year TIPS and 5 year TIPS http://research.stlouisfed.org/fred2/graph/fredgraph.png?g=WuJ Amazing how much it has narrowed, particularly recently. As of today Vanguard's 1.4-year duration TIPS fund reports a yield that is only 0.01% lower than its 6.2-year duration TIPS fund. Incre...
by Noobvestor
Sat Jan 10, 2015 3:54 am
 
Forum: Investing - Theory, News & General
Topic: TIPS spread as inflation prediction
Replies: 22
Views: 2436

Re: Placing cash needs in tax advantaged.

You already have a rather low bond allocation, so calling that high and saying it's your emergency fund doesn't make a lot of sense to me. The other issue with having emergency funds held like this is that you may have to pay a lot in cap gains if or when an emergency hits.
by Noobvestor
Thu Jan 08, 2015 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Placing cash needs in tax advantaged.
Replies: 15
Views: 734

Re: Remind me: why am I holding VG's longer-term TIPS fund?

I've never really understood why anyone would want to hold the short term TIPs fund, given how well T Bills already protect against inflation. But with the sudden flattening of the yield curve it seems like the short term TIPs fund might now be preferable to the other, longer term TIPs fund. Correc...
by Noobvestor
Thu Jan 08, 2015 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3420

Re: TIPS spread as inflation prediction

Does the Intermediate TIPS fund still deserve a place in a well diversified portfolio? Yes in that the yield curve should be upward sloping and so you should get a higher long run return than ST TIPS fund (albeit at higher volatility). Except right now it's not upward-sloping as usual, or just bare...
by Noobvestor
Thu Jan 08, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS spread as inflation prediction
Replies: 22
Views: 2436

Re: Remind me: why am I holding VG's longer-term TIPS fund?

Sorry, dbr, by longer-term I meant their 'normal' TIPS fund with a duration of 6.2 years (versus their short-term with 1.4 years), but you're right: it's not a long-term fund. Thanks, nedsed, if nothing else this is a good reminder to have my IPS include more details about the *whys* of each decisio...
by Noobvestor
Wed Jan 07, 2015 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3420

Re: Remind me: why am I holding VG's longer-term TIPS fund?

There's always something to hate about bonds. If they fluctuate downward, you can hate them because they're down. If they fluctuate upward, you can hate them because they have low yield to maturity. I know I really shouldn't be grumpy since the one I've actually been holding has done better overall...
by Noobvestor
Tue Jan 06, 2015 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3420
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