Search found 4225 matches

by Noobvestor
Thu Jul 02, 2015 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3188

Re: What happens when Admiral Shares drop below $50K?

Not to hijack, but has anyone had trouble with their money market going below the 3K minimum? I keep 3K in there at all times and use it to collect dividends for later reinvestment (taxable account, so I can rebalance with those dividends too) but wonder if I could just keep it close to zero instea...
by Noobvestor
Thu Jul 02, 2015 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3188

Re: What happens when Admiral Shares drop below $50K?

Not to hijack, but has anyone had trouble with their money market going below the 3K minimum? I keep 3K in there at all times and use it to collect dividends for later reinvestment (taxable account, so I can rebalance with those dividends too) but wonder if I could just keep it close to zero instea...
by Noobvestor
Thu Jul 02, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard v.s. Betterment
Replies: 28
Views: 2622

Re: Vanguard v.s. Betterment

I'm still hung up on cost basis issues. If they sell/buy lots, and add complexity over time, if you ever want to unravel yourself from their system it could mean a mountain of paperwork for you - and not just once, I'm talking about keeping track going forward. That's the reason I wouldn't use them.
by Noobvestor
Thu Jul 02, 2015 1:24 pm
Forum: Investing - Theory, News & General
Topic: What is the Duration of Your Bond Portfolio? And Why?
Replies: 37
Views: 1887

Re: What is the Duration of Your Bond Portfolio? And Why?

It's been a while since I reviewed my actual duration, which shifts a bit as I add I/EE bonds each year (and depends on how you count those). The *funds* I use for the rest of my bonds are intermediate-term municipal and intermediate TIPS, both at Vanguard, putting me at around 6 years or so in term...
by Noobvestor
Thu Jul 02, 2015 2:30 am
Forum: Investing - Theory, News & General
Topic: excellent summary of the Greek crisis by U of Chicago Professor
Replies: 41
Views: 6081

Re: excellent summary of the Greek crisis by U of Chicago Professor

Over 1 million Euros raised so far for the Greek bailout on a crowdfunding site :D

http://www.theguardian.com/commentisfre ... ros-people

If every European just chipped in a latte we'd have this done in no time.
by Noobvestor
Thu Jul 02, 2015 2:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard v.s. Betterment
Replies: 28
Views: 2622

Re: Vanguard v.s. Betterment

Here's what I'm picturing: you use them for a while, they TLH for you, and save you some money, but then you stop using them for whatever reason, and suddenly you have to figure out all the complex lots and whatnot left behind, creating a paperwork problem going forward.
by Noobvestor
Thu Jul 02, 2015 2:13 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 67
Views: 4100

Re: Did you used to invest in TIPS?

I stopped buying TIPS for a period when I Bonds were a better deal, which from memory I think was around 2011 to 2013 or so, and bought I Bonds instead. Didn't sell existing TIPS though. TIPS are a better deal than I Bonds again, and I'm occasionally buying TIPS again. On what planet are TIPS a bet...
by Noobvestor
Mon Jun 29, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3188

Re: What happens when Admiral Shares drop below $50K?

Not to hijack, but has anyone had trouble with their money market going below the 3K minimum? I keep 3K in there at all times and use it to collect dividends for later reinvestment (taxable account, so I can rebalance with those dividends too) but wonder if I could just keep it close to zero instead.
by Noobvestor
Sat Jun 27, 2015 12:55 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4653

Re: Did 2008 change your investing strategy?

I liquidated my individual and active funds in favor of a passive portfolio. Good times!
by Noobvestor
Sat Jun 27, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: What if you could invest directly in the HML "factor?"
Replies: 18
Views: 2903

Re: What if you could invest directly in the HML "factor?"

Beta is the ice cream, HML is the chocolate sauce and SMB is the cherry. For not much extra money you can add the chocolate and cherry. It doesn't matter that the chocolate and cherry on their own aren't giving you the core flavor, since they are indeed add-ons to the ice cream.
by Noobvestor
Wed Jun 24, 2015 8:09 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13409

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

One of the things I like best about rental properties is exactly what a stock/bond portfolio is worst at, throwing off a steady stream of cash flows. A portfolio is a magnificent vehicle for accumulation, but drawdown is fraught with all kinds of problems. Adding rental properties to your retiremen...
by Noobvestor
Mon Jun 22, 2015 2:48 am
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13409

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

There do tend to be different personality types pursuing these different kinds of endeavors, but I don't see a necessary disconnect - I made my money taking small business risks, then turned around and put it into indexed mutual funds. The real estate folks I know, though, do tend to be of a differe...
by Noobvestor
Sun Jun 21, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: The Relationship Between TIPS, Treasuries, and Inflation
Replies: 5
Views: 986

Re: The Relationship Between TIPS, Treasuries, and Inflation

I do like the versatility of TIPS in theory, though as we know from the last crash in practice they did 'alright' not 'great' like Treasuries in a big equity downturn (lots of reasons, some of which may not repeat). The best deflation protection is probably still something like EDV (extended-duratio...
by Noobvestor
Sun Jun 21, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - can we afford to buy a house?
Replies: 18
Views: 2614

Re: Baby on the way - can we afford to buy a house?

A friend of mine is looking for a place to live (house) in Oakland right now for his family with two children and together we have been looking at property quite a bit. What we've found so far is that things get a lot cheaper if you're willing to live a some places in the hills (some are more expens...
by Noobvestor
Thu Jun 11, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Buy or keep renting my condo?
Replies: 8
Views: 813

Re: Buy or keep renting my condo?

'but based on what the others around me are listed/recently sold for my monthly payments with a mortgage would likely be the same or just slightly higher' What I meant by that ^ is that I don't know an actual sale price as I haven't actually asked about buying it yet but based on what I know I coul...
by Noobvestor
Mon Jun 08, 2015 2:01 am
Forum: Investing - Help with Personal Investments
Topic: Buy or keep renting my condo?
Replies: 8
Views: 813

Re: Buy or keep renting my condo?

We're missing a critical piece of information: how much is rent and how much is the sale price? Mortgage amount is too variable a metric (depends on duration of mortgage, downpayment, possible PMI, etc...). So if you don't want to put numbers to it, give us a multiple - e.g. the cost to buy is XX ti...
by Noobvestor
Mon Jun 08, 2015 1:47 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6603

Re: Why does Jack Bogle have no international funds

Buffett has made money by owning overseas companies. Some but not much and his company is US-based. Fact stands. Bogle was the index inventor so to speak. But, there have been times since that international has outperformed. I don't understand what you mean. US stock did not do exceptionally well. ...
by Noobvestor
Mon Jun 08, 2015 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6603

Re: Why does Jack Bogle have no international funds

Your opinion and your own conclusions do not equal "facts". Don't go bookmarking anything. :wink: If you object to the facts I listed, great. I listed a number of them. Which do you dispute? I didn't claim my conclusions or interpretations were fact, but do think the facts speak for thems...
by Noobvestor
Mon Jun 08, 2015 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6603

Re: Why does Jack Bogle have no international funds

As for being 'right' for the last 15 years: what the heck does that even mean? Exactly what it says. Were you reading future-casting into it? From the link you failed to read, Jack Bogle said if he were asked what would win over any-given next-ten-years period between the US, ex-US developed and em...
by Noobvestor
Sun Jun 07, 2015 2:41 am
Forum: Investing - Theory, News & General
Topic: What is the expected long run NAV return on REITS?
Replies: 14
Views: 1703

Re: What is the expected long run NAV return on REITS?

Plug in the fund @ Morningstar, click 'Growth' and sort by 'Price' instead - that will give you NAV over time. Example with Vanguard REITs: http://quote.morningstar.com/fund/chart.aspx?t=VGSIX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22Vanguard%20REIT%20Index%20Inv%2...
by Noobvestor
Sun Jun 07, 2015 2:26 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6603

Re: Why does Jack Bogle have no international funds

I noticed that Jack Bogle did not state any international fund in his portfolio when I read Tony Robbins book. Did I miss something. Interesting you didn't ask why he doesn't. So I'll answer the why for you. Mr Bogle feels that so many USA companies are multinational now with so much of their profi...
by Noobvestor
Sun Jun 07, 2015 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6603

Re: Why does Jack Bogle have no international funds

More recent than his 1990s books, some thoughts from Bogleheads Reunion a few years back: https://www.bogleheads.org/forum/viewtopic.php?t=104781 Bogle and Buffet made their fortunes on American stocks, via Vanguard and BRK.B, hugely successful endeavors. Indeed I don't think it would be a stretch t...
by Noobvestor
Thu Jun 04, 2015 3:10 am
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 9
Views: 1018

Re: International Funds

Many thanks lack_ey, Taylor and John3754. No, lack_ey, I didn't realize VFWAX didn't hold any small or hardly any mid-cap stocks: or being more accurate, I probably did know at one time; however, my memory isn't what it used to be. Taylor, thank you so much for taking the time to compare the two li...
by Noobvestor
Thu Jun 04, 2015 3:07 am
Forum: Investing - Help with Personal Investments
Topic: Taxable holdings crowding out sheltered
Replies: 5
Views: 897

Re: Taxable holdings crowding out sheltered

Thanks for the reply. As I add more bond to my tax sheltered holdings, I'll be having more and more equity holdings in my taxable, so I must decide now on what is the most tax efficient to hold there vs. perceived benefit of tilting. So in the end I'll be holding $2M of equity at a very high tax ra...
by Noobvestor
Thu Jun 04, 2015 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio feedback request
Replies: 11
Views: 796

Re: Portfolio feedback request

You have a fair bit of fund overlap and unnecessary funds. 80% of Total US for instance is S&P 500, so holding both is redundant. You can simplify to holding 50% Total Stock and 50% Total International to achieve your goals in terms of domestic/international and developed/emerging. If you want t...
by Noobvestor
Thu Jun 04, 2015 1:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard on Roth IRAs for Teenagers
Replies: 2
Views: 613

Re: Vanguard on Roth IRAs for Teenagers

One of the best gifts my parents gave me was to fund my Roth IRA when I was growing up, starting with jobs I had in high school. No way they could have convinced me to take my meager thousands each year and put them away, but thankfully they put up the money for me until I was smart and independent ...
by Noobvestor
Thu Jun 04, 2015 1:42 am
Forum: Investing - Help with Personal Investments
Topic: question about taxable investing
Replies: 1
Views: 207

Re: question about taxable investing

You won't have to pay fees to move between mutual funds unless they have a specific and unusual fee (e.g. a fee for frequent trading that penalizes you if you move back out with 90 days, or a load of some kind). You will still pay cap gains taxes when you sell out of the fund, but you won't pay taxe...
by Noobvestor
Wed Jun 03, 2015 1:39 pm
Forum: Investing - Theory, News & General
Topic: Are US Gov Bonds "Better" than other Developed Countries' Bonds?
Replies: 26
Views: 2988

Re: Are US Gov Bonds "Better" than other Developed Countries' Bonds?

Thanks Noobvestor, buying both EUR and USD bonds makes sense. What about this: My recommended tax-deferred bond portfolio is exclusively in government bond funds. The bond portfolio in this article, is comprised of 50% intermediate-term funds, 30% short-term funds and 20% in TIPS funds for inflatio...
by Noobvestor
Mon Jun 01, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: Are US Gov Bonds "Better" than other Developed Countries' Bonds?
Replies: 26
Views: 2988

Re: Are US Gov Bonds "Better" than other Developed Countries' Bonds?

What if I: ⋅ Buy the whole world equity market - this way I'll be diversified into different currencies through the stocks, correct? ⋅ Buy Developed EU or US bonds for the bond part of my portfolio - whichever will have better TER and lower withholding and other taxes for me (as...
by Noobvestor
Mon Jun 01, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Investment options for someone else's retirement
Replies: 4
Views: 526

Re: Investment options for someone else's retirement

Deferred annuity or trust options could be good - a fee-only adviser may be able to walk you through some of the options given some of the complexities in this particular case, and the options for gifting, be it shares, etc... As for taxation: if it comes to holding stocks, etc.. in taxable, I would...
by Noobvestor
Mon Jun 01, 2015 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Recent exit from a company. What to do with assets but no future income.
Replies: 7
Views: 1425

Re: Recent exit from a company. What to do with assets but no future income.

I have been a similar situation - sold business, large nest egg resulted, etc... I chose a 60/40 portfolio that is conservative perhaps for my age but also aggressive enough to still grow going forward. I think 50/50 is a reasonable approach to balance preservation and growth.
by Noobvestor
Mon Jun 01, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate - buying ahead & renting
Replies: 7
Views: 1230

Re: Real Estate - buying ahead & renting

I would avoid trying to manage a rental property remotely. Housing is unpredictable but doesn't appreciate much over time (after expenses/taxes it tends to stay flat for the long haul) so buying in advance to lock in a price is as likely to work against you as for you.
by Noobvestor
Sun May 31, 2015 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investment options for someone else's retirement
Replies: 4
Views: 526

Re: Investment options for someone else's retirement

Curious dilemma. One option would be to start stockpiling I Bonds at 10K/year (the limit) - as I understand it (please double check) you could put them in more than one name potentially, then hand over the account holding them down the line maybe? Not a complete solution regardless due to the purcha...
by Noobvestor
Sun May 31, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: 5k for a home down payment in 2 years: CD or conservative mutual fund (i.e., VSCGX)?
Replies: 17
Views: 1001

Re: 5k for a home down payment in 2 years: should I do a CD or a conservative mutual fund (i.e., VGCSX)?

I'm pretty sure the ticker you listed isn't an actual fund. I'm also pretty sure that no fund is conservative enough to make sense for a two-year investment. Just look at the fund's history and see what the maximum drop was - if it's a bond fund it might only be 5-10%, a stock fund probably 30-60%, ...
by Noobvestor
Sat May 30, 2015 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in taxable account?
Replies: 10
Views: 1482

Re: Which bond fund in taxable account?

I read on the wiki an argument that high tax brackets may not see much benefit from i-bonds. I'm in the 33% bracket... I Bonds are tax-deferred for up to 30 years, so if you end up not using them while in a high tax bracket they can be pretty great. I guess another question is whether to include TI...
by Noobvestor
Sat May 30, 2015 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Do I really need International equities in my portfolio ?
Replies: 87
Views: 6804

Re: Do I really need International equities in my portfolio ?

JoMoney wrote:But if you think that you can buy some group of stocks and expect there to be a persistent above average reward, I think you're wrong.


Sounds like a case for global investing to me.
by Noobvestor
Sat May 30, 2015 12:57 am
Forum: Personal Consumer Issues
Topic: Sending in laptop for repairs, what about sensitive software?
Replies: 8
Views: 1029

Re: Sending in laptop for repairs, what about sensitive software?

My laptop is under warranty and is giving me issues. I will be sending it in for repairs. However I have sensitive data on it, such as my taxes, pictures etc. I also have installed software on it. What should I do before shipping it out? I'd like to wipe it clean then restore all my software when i...
by Noobvestor
Sat May 30, 2015 12:51 am
Forum: Investing - Theory, News & General
Topic: Are US Gov Bonds "Better" than other Developed Countries' Bonds?
Replies: 26
Views: 2988

Re: Are US Gov Bonds "Better" than other Developed Countries' Bonds?

I would simply reiterate: I think you should be less concerned with a percent or two of yield here or there and more concerned with the currency in which you plan to spend your saved funds. Currency fluctuations are likely to dominate the equation, so be it bonds, savings, CDs or otherwise I would f...
by Noobvestor
Sat May 30, 2015 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in taxable account?
Replies: 10
Views: 1482

Re: Which bond fund in taxable account?

Ok, one last question: If I'm contributing to various things throughout the year, I assume that buying into i-bonds 12 or 26 times a year (monthly or bi-weekly) would be a pain. If I can float it, I am guessing contributing one year's worth up front would be better... But so right now i-bonds say t...
by Noobvestor
Sat May 30, 2015 12:41 am
Forum: Investing - Theory, News & General
Topic: International Bond Fund - Updated Thoughts
Replies: 28
Views: 2393

Re: International Bond Fund - Updated Thoughts

I'm assuming we're talking about the hedged international bond funds available at Vanguard. It bothers me that I have to be seemingly inconsistent when expressing this view (i.e. some form of market timing), but: given the credit rating, yield and duration of international bonds, I can't see a reaso...
by Noobvestor
Sat May 30, 2015 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Do I really need International equities in my portfolio ?
Replies: 87
Views: 6804

Re: Do I really need International equities in my portfolio ?

What I'm talking about is simply being a "defensive investor". It's not my opinion that market rewards all risk, even the EMH and finance theories don't claim that (although they're constantly searching for what 'risk factors' do seem to be related to returns). Frankly, I think the divers...
by Noobvestor
Sat May 30, 2015 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Do I really need International equities in my portfolio ?
Replies: 87
Views: 6804

Re: Do I really need International equities in my portfolio ?

...International investors think that avoiding international stocks is weird and arbitrarily in roughly the same way as avoiding stocks whose tickers start with vowels.... That is the primary argument international advocates seem to come back to, simply a belief that there is no difference between ...
by Noobvestor
Fri May 29, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Do I really need International equities in my portfolio ?
Replies: 87
Views: 6804

Re: Do I really need International equities in my portfolio ?

@Sphinx: thanks for digging that up - pretty damning example there with respect to China. ...International investors think that avoiding international stocks is weird and arbitrarily in roughly the same way as avoiding stocks whose tickers start with vowels.... That is the primary argument internati...
by Noobvestor
Fri May 29, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in taxable account?
Replies: 10
Views: 1482

Re: Which bond fund in taxable account?

So something like this? (Just as an example) 10 years out: 100% of bonds in a long-term bond fund. 7 years out: 50% of bonds in long-term, 50% in intermediate 5 years out: (no more in long-term). Pull some out into ibonds, CDs, whatever. Leave some in place. (So if i have 75% bonds, 25% stock at th...
by Noobvestor
Fri May 29, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: transferring irrevocable trust to vanguard - choosing index funds
Replies: 5
Views: 527

Re: transferring irrevocable trust to vanguard - choosing index funds

IMHO the 500K should should be in cash or ultra-short bonds, not normal intermediate-duration bond funds, then you should create a long-term stock/bond portfolio out of the rest for ongoing distributions. The taxation question is neither here nor there - could take the tax hit for simplicity, or try...
by Noobvestor
Fri May 29, 2015 3:58 am
Forum: Investing - Theory, News & General
Topic: Bogleheads and international bonds
Replies: 13
Views: 1493

Re: Bogleheads and international bonds

I can't say I've seen this phenomena - still feels like people mostly pan international bonds - but I have a theory that might explain what you're seeing: now that international bonds are part of target date funds, people are less critical when investors mirroring those target date funds come along ...
by Noobvestor
Fri May 29, 2015 3:43 am
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5598

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

Thanks for the post. But, you do know this is going to start a catfight? The small/value tilt vs. market cap weighted indexing discussions are spirited but actually pretty gentlemanly. If you mention that you have a very casual attitude about rebalancing, that gets some folks stirred up. But if you...
by Noobvestor
Fri May 29, 2015 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in taxable account?
Replies: 10
Views: 1482

Re: Which bond fund in taxable account?

Why should I prefer the mixed municipal tax-exempt intermediate over the MA muni bond fund? The shorter duration? (I assume I still pay MA state taxes on the former?) MA muni bond fund is probably fine, at least up until a point - it has some concentration risk so if you had too much in it, well, I...

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