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Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by Noobvestor
Fri Jan 30, 2015 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5660

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by Noobvestor
Fri Jan 30, 2015 12:28 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5660

Re: Mr. Bogle on CNBC today--International and Bonds

I've read that idea a lot in this forum, but do you really think that someone as financially savvy as Jack Bogle has failed to adapt to international just because he's from a time in which international investing was too difficult and expensive? Hm, I don't think so. I just think that rationale is ...
by Noobvestor
Fri Jan 30, 2015 12:27 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5660

Re: What's Your International % and Why?

20% of equities (because Jack Bogle said so) Actually, I believe Jack said 0%. But, IF YOU MUST, you can go UP TO 20% As I posted in another thread, you may find my notes of what Jack Bogle said about international investing at Bogleheads 11 of interest: http://www.bogleheads.org/forum/viewtopic.ph...
by Noobvestor
Thu Jan 29, 2015 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 132
Views: 10087

Re: Why international bonds outperformed

They became even more expensive and risky, for even less return. I really do wonder what Vanguard would do if their yield dropped to, say, .3% or .0% - not likely but not impossible either, factoring in costs. Specifically: at what point would they remove an allocation to international bonds from t...
by Noobvestor
Thu Jan 29, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why international bonds outperformed
Replies: 4
Views: 670

Re: Why not a 2 fund portfolio like Bogle suggests

Here's the thing I don't really understand, so maybe some US-only investors can shed some light: what would you do if you lived in another country (by birth, choice, whatever)? There are a few possibilities I can see, but let me know if I missed one: 1) Invest only in that country - at the most, thi...
by Noobvestor
Thu Jan 29, 2015 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3812

Re: Mr. Bogle on CNBC today--International and Bonds

You may find my notes of what Jack Bogle said about international investing at Bogleheads 11 of interest: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=104781&newpost=1521456 Including this quote from Jack himself: "If there's one place I don't want people to take my advice, it'...
by Noobvestor
Thu Jan 29, 2015 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5660

Re: Why not a 2 fund portfolio like Bogle suggests

History has not really made the case for most of the standard arguments for International, especially the past few years... but even in the past, it's almost ironic that when people bring up "look what happened in Japan" they seem to neglect to point out that Japan was, and still is one o...
by Noobvestor
Thu Jan 29, 2015 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3812

Re: Why not a 2 fund portfolio like Bogle suggests

Are there periods when international beat domestic? According to charts here, EAFE beat US for 3 out of the last 4 decades (70s, 80s, 00s): http://www.bogleheads.org/wiki/Domestic/International Bogle also suggests not taking his advice on international: http://www.bogleheads.org/forum/viewtopic.php?...
by Noobvestor
Thu Jan 29, 2015 2:49 am
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3812

Re: Why international bonds outperformed

The bond fund's yield would have to drop to 0% for the fund to return 5 or 6 percent this year, which while theoretically possible won't happen, so the odds of a repeat performance are nonexistent - if I had the fund, I would sell it.
by Noobvestor
Thu Jan 29, 2015 2:45 am
 
Forum: Investing - Theory, News & General
Topic: Why international bonds outperformed
Replies: 4
Views: 670

Re: Mr. Bogle on CNBC today--International and Bonds

You may find my notes of what Jack Bogle said about international investing at Bogleheads 11 of interest: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=104781&newpost=1521456 Including this quote from Jack himself: "If there's one place I don't want people to take my advice, it's...
by Noobvestor
Thu Jan 29, 2015 2:35 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5660

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: 14
Views: 958

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: 672

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: 977

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: 490

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: 414

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: 778

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: 446

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: 181

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: 132
Views: 10087

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: 2948

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: 627

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: 864

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: 518

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: 132
Views: 10087

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: 3843

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: 10529

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: 2061

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: 4731

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: 3843

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: 3843

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: 914

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: 2948

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: 1608

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: 10529

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: 4735

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: 62
Views: 7718

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: 4040

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: 4040

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: 62
Views: 7718

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: 675

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: 1164

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: 1376

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: 9801

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: 3118

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: 3118

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: 689

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: 2209

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: 5474

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: 9801
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