Search found 109 matches

Return to advanced search

Re: Int'l small value exposure without the negative MOM?

This ETF might screen for negative MOM. STRATEGY AND INVESTMENT PROCESS IEIS employs a research-based investment process to combine quality, value, and size factors: • Quality: Companies with consistent and stable earnings • Value: Companies with lower relative valuations • Size: Companies with lowe...
by Oliver
Mon Dec 15, 2014 5:26 am
 
Forum: Investing - Theory, News & General
Topic: Int'l small value exposure without the negative MOM?
Replies: 18
Views: 1962

Re: HSA

I went with Saturna. Primarily I am choosing it as a low cost option, $15/year {1 trade/year). Here is the info from the wiki. Saturna Capital offers a stand-alone brokerage account through Pershing. You do not need a separate bank account with the HSA. There is no monthly maintenance fee. Vanguard ...
by Oliver
Thu Dec 04, 2014 6:21 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 8
Views: 847

Re: New 401k - 100% to REIT index?

You might reconsider adding to your REIT position. Do a search on Bernstein and REIT .
by Oliver
Wed Dec 03, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - 100% to REIT index?
Replies: 10
Views: 1163

Re: Fidelity or Schwab Brokerage account

In addition to the normal considerations, you might look at the bonus for opening an account. Last time I looked getting miles from Fidelity was a good deal. AQR funds are available at Fidelity but some/all?? should be held in a tax a advantaged account.
by Oliver
Tue Dec 02, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 28
Views: 2570

Re: Who do you listen to? (Podcast, etc)

I liked this podcast interview of Swedroe on Blomberg's Masters in Business

http://www.bloombergview.com/articles/2 ... ry-swedroe
by Oliver
Tue Dec 02, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Who do you listen to? (Podcast, etc)
Replies: 29
Views: 2878

Re: Health Insurance for 5 Month International Travel

Blue Cross has an international plan for those who have a USA based insurance plan. I have not investigated it yet.
by Oliver
Tue Dec 02, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurance for 5 Month International Travel
Replies: 9
Views: 1306

Re: Why should I avoid REITs?

Since almost all the income of a reit is distributed, there is almost no reinvestment. The yield is pretty much your expected return. In addition, you should expect them to go down if interest rates increase. At this time, I would not invest in them. You are taking equity type risks with limited ups...
by Oliver
Wed Nov 26, 2014 3:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 50
Views: 6021

Re: 23 year old... Can I afford a Rolex?

While you are thinking it over, pick up an Orient "mako" or "ray" automatic watch. Orient actually manufacture all of its movements in-house in Japan. Great watch at a boglehead price. Is it the same as rolex? No. However, does it satisfy 20%, 40%, 80% of your rolex lust. If you ...
by Oliver
Wed Nov 26, 2014 3:07 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13425

Re: An alternative to alternative investments [QSPIX]

TDA doesn't seem to offer all the AQR funds. Through my IRA, QSPIX specifically says "Not Available through TD Ameritrade" and QSPNX has a $1M minimum investment. It seems like Fidelity is the only broker where they are available to retail investors. Thanks Ketawa, I placed an order for Q...
by Oliver
Wed Nov 26, 2014 12:36 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 201
Views: 19274

Re: Why finance research is often wrong - the jelly bean pro

Basically your view is that of an ACTIVE manager, it's judgment that determines whether something is "value " or not. The research on the other hand shows that you can define value using simple metrics of price to something, be it book, sales, earnings, cash flow, ebitda, etc. In all case...
by Oliver
Mon Nov 24, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 262
Views: 21719

Re: Help getting AQR research paper

Any luck finding the paper?
by Oliver
Sat Nov 22, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Help getting AQR research paper
Replies: 4
Views: 607

Re: Finding Smart Beta in the Factor Zoo

I found it interesting that the low volatility factor was shown as meeting their criteria. On the other hand, Swedroe is not a fan of this factor based on other research papers. I did read a paper that claimed that the low volatility factor was substantial different in emerging markets (more robust)...
by Oliver
Sat Nov 22, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Finding Smart Beta in the Factor Zoo
Replies: 35
Views: 2650

Re: Queston About Allocation of Assets

You might consider a brokered CD in your Fidelity 401k (I think it is an option) instead of the bond fund.
by Oliver
Thu Nov 20, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Queston About Allocation of Assets
Replies: 10
Views: 1058

Re: Suggested retirement reading for 60 year olds

Here is a short article from one of the previously mentioned authors. http://wpfau.blogspot.com/2012/04/mike-zwecher-they-each-get-only-one.html Mike Zwecher: They Each Get Only One Whack at the Cat The following is a special guest post by Michael Zwecher, Ph.D. He is the author of the highly worthw...
by Oliver
Thu Nov 20, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Suggested retirement reading for 60 year olds
Replies: 25
Views: 3511

Re: IRAs at different brokerages

If you are looking to invest in AQR funds, you need to use Fidelity or TD Ameritrade. QSPIX (AQR Style Premia Alternative Fund) is only available at Fidelity or via a financial advisor. For brokered CD, Vanguard offered the highest rate. Fidelity the second highest rate and TD Ameritrade the lowest....
by Oliver
Thu Nov 20, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs at different brokerages
Replies: 3
Views: 578

Re: Nice 'Free' Asset Allocation Spreadsheet

I'm not sure how many people here also follow the Long-Term Returns blog, but on April 1st they posted a nice asset allocation spreadsheet for people to make a copy off. Although I already had my own, this one was much simpler and it seems good for people with multiple funds spread across multiple ...
by Oliver
Wed Nov 19, 2014 5:58 am
 
Forum: Investing - Theory, News & General
Topic: Nice 'Free' Asset Allocation Spreadsheet
Replies: 2
Views: 1391

Re: Ultimate Small Cap Value Portfolio...

... DLS and IJS. ...sooo 2000's. Today, it's all about IEIS and PXSV. :wink: (neither of which do I own) Side questio. Any place that allows one to purchase ieis? All my brokerages have it restricted Fidelity. I haven't bought any. I'll be keeping an eye on spreads though, and at some point may swi...
by Oliver
Wed Nov 19, 2014 2:23 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 31
Views: 4218

Re: Schwab Windhaven Funds vs Vanguard 3 Funds

If you are still willing to pay an advisor, I would look at a low cost advisor that uses dfa mutual funds.
by Oliver
Wed Nov 19, 2014 2:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Windhaven Funds vs Vanguard 3 Funds
Replies: 23
Views: 2924

Re: solo 401k providers

I have no info on the quality of the providers. However, this blog lists some others. http://www.biggerpockets.com/blogs/3441/blog_posts/28085-list-of-solo-401k-providers Pensco Trust Company: https://www.pensco.com/OpenAnAccount/Solok Millenium Trust Company: http://www.mtrustcompany.com/Site-Navig...
by Oliver
Mon Nov 17, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: solo 401k providers
Replies: 2
Views: 308

Re: Navy Federal GO Prepaid Card: travel abroad

I have noticed that the atm fees charged by owner of the atm have gone up a lot. I have a Schwab bank account atm that reimburses me for any charges and Schwab does not charge an atm fee. I would look over at flyertalk.com for complete info.
by Oliver
Sun Nov 16, 2014 2:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal GO Prepaid Card: travel abroad
Replies: 5
Views: 736

Re: Where does HSA money go?

No problem. Your HSA remains until you take it out. Just switch to whichever plan makes sense.
by Oliver
Sun Nov 16, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Where does HSA money go?
Replies: 7
Views: 1223

Re: Retirement-Order of sale of investments

When you are looking at taxes, do not forget the health insurance subsidy. In addition, figure out if you will have to take some tax deferred money out sometime during early retirement. In which case, you need to estimate what your tax situation will look like then. In other words, what would your t...
by Oliver
Sun Nov 16, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement-Order of sale of investments
Replies: 11
Views: 1568

Re: Health Equity HSA--New Passive Plan

I'm self-employed. I have $0 in HSA, and want to start in 2015 with maximum annual contributions. I want to use none of it for medical, and all of it for retirement savings. Which HSA provider is the best for me for low cost and Vanguard funds? I went with Saturna. I will be purchasing an etf rathe...
by Oliver
Thu Nov 13, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 44
Views: 6256

Re: HSA Account and LOW deductible insurance

Your employer probably paid the fees for your HSA account. You should check out the fees at your current provider and others. With such a low balance, you could probably use up the balance in a year. I take it you did not pay $500 in unreimbursed expenses. Dental work counts if it is not for cosmeti...
by Oliver
Thu Nov 13, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Account and LOW deductible insurance
Replies: 3
Views: 304

Re: What to do w/space under 15% Fed bracket limit?

If you purchased health insurance from your state marketplace or the federal marketplace, the subsidy can make the cost of taking those gains or converting to a Roth prohibitive. The subsidy has totally demolished my plans to convert to a Roth and modify my financial plan.
by Oliver
Thu Nov 13, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do w/space under 15% Fed bracket limit?
Replies: 21
Views: 2779

Re: Where should I rollover my HSA?

If you think that you will be contributing in the future, you could move it to Saturna, you would need to make one transaction a year to avoid an inactive free. One trade at the Brokerage is $15. That would be the equivalent of a 1% additional fee on $1500. You could look for a bank without fees unt...
by Oliver
Thu Nov 13, 2014 4:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I rollover my HSA?
Replies: 5
Views: 652

Re: HSA allocation

If you have taxable funds to pay the maximum out of pocket, I would invest in a fund that has a high expected return and higher risk. I place funds with the highest expected return in my Roths and HSA accounts. Given that you are at TD Ameritrade, I would consider an AQR fund.
by Oliver
Thu Nov 13, 2014 3:51 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA allocation
Replies: 9
Views: 903

Re: Smartphone questions

I've got a OnePlus One. So far i'm very happy with it. Especially for the price. You are not the only one! It is a great phone. I upgraded from a Nexus 5 (a good phone) and it was a great decision. If you travel overseas, you will learn to appreciate LTE overseas (LTE works on T-Mobile & ATT).
by Oliver
Mon Nov 10, 2014 2:31 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 9851

Re: Which Chromebook?

If you decide to go the chromebox route, Amazon has one for $130. (This is an FYI, not a recommendation, as I have not researched chromebook.)

http://www.amazon.com/HP-Chromebox-CB1- ... 8a1af7674c
by Oliver
Mon Nov 10, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 5010

Re: Which Chromebook?

I picked up an Acer 720. I purchased a refurbished model for $150 on Amazon. They may still have them periodically.

PS I would only by a refurbished chromebook if it was refurbished by the manufacturer.

PS I like the chromebook a lot.
by Oliver
Sun Nov 09, 2014 5:35 am
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 5010

Re: Fidelity HSA Questions

You could always transfer your account to another provider. The important cost would be the cost to transfer out. I know that Saturna charges a $75 fee. It is a very low cost provider. I will be opening an account momentarily. If you have substantial assets, it may not be the best. (I am assuming th...
by Oliver
Sun Nov 09, 2014 5:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 978

Re: ObamaCare vs. Private Insurance??

Check out the the estimates at the site below (can be tailored to your state). Given the cost differential, I chose to purchase through the marketplace. I went with a high deductible plan and opened a hsa. You apply the subsidy to whichever plan you prefer. http://kff.org/interactive/subsidy-calcula...
by Oliver
Fri Nov 07, 2014 3:33 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 11791

Re: Advice on Buying int TIPS Fund?

If this were an ira, I would suggest purchase of an actual TIPS bond. In general, I am a big fan of owning government bonds directly. There is no reason to pay an ER for a government bonds. No comment on the timing issue. Just be aware that real tips yields are low. I wish I could predict future yie...
by Oliver
Fri Nov 07, 2014 3:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Buying TIPS Fund?
Replies: 6
Views: 624

Re: Help for Irish investors

Does interactive brokers operate in Ireland? I believe that they would have one the lowest forex cost.

PS IB would give you access to a number of stock exchanges throughout the world.
by Oliver
Tue Nov 04, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for Irish investors
Replies: 9
Views: 956

Re: my review of my HSA with Saturna brokerage

Looks like I will be opening at account at Saturna. I will contribute once a year and purchase a mutual fund /ETF once a year. This seems like the best deal at the moment. PS Remember to keep documentation on any out of pocket medical expenses even if you are not going to be using your hsa in 2014 t...
by Oliver
Tue Nov 04, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 33
Views: 7178

Re: Best Online Brokerage - TD Ameritrade vs. Schwab

You can purchase many institutional AQR mutual funds at TD Ameritrade. I believe Schwab only offers these with an extremely high minimum investment. Schwab does have a no atm fee checking account with no international extra surcharge.
by Oliver
Tue Nov 04, 2014 4:59 am
 
Forum: Investing - Theory, News & General
Topic: Best Online Brokerage - TD Ameritrade vs. Schwab
Replies: 24
Views: 2753

Re: Asness/AQR - Smart Beta Not New, Not Beta, Still Awesome

matjen wrote:Here is a link to the PDF which will download. Article classifies the different quant/smart beta strategies.

https://t.co/krAU0gmo1Z

Your link is no longer working.
by Oliver
Tue Oct 07, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Asness/AQR - Smart Beta Not New, Not Beta, Still Awesome
Replies: 2
Views: 469

Re: Good article on style premium investing & AQR new fund

It appears that only Class N shares are available for this fund through TD Ameritrade, ticker QSPNX. These have the higher ER, which is capped at 1.75%. Class L shares are 1.50%. Class L shares are available through TD Ameritrade for the Momentum and Core Equity funds. Ouch, ER capped at 1.75%! I w...
by Oliver
Mon Sep 15, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Good article on style premium investing & AQR new fund
Replies: 86
Views: 8643

Re: HSA Investing

I clicked the link and some subsequent pages. Has anybody found the fee disclosure (fees other than the fund ER)? I believe the vanguard link leads to HSA Administrators. The fees are $45 per year plus a custodial fee of .0008 per quarter. Here is the fee schedule. http://hsaadministrators.info/hsa...
by Oliver
Fri Nov 08, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investing
Replies: 11
Views: 1122

Re: HSA Investing

You might look at the summary in this thread and the links. Since vanguard etfs are available with any brokerage account, I would look at the expected annual cost in relationship with portfolio size.

viewtopic.php?f=1&t=124589
by Oliver
Fri Nov 08, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investing
Replies: 11
Views: 1122

Re: SE Florida chapter - 2013/14 next meeting

I would be interested in attending.
by Oliver
Thu Nov 07, 2013 11:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SE Florida - Taylor's big birthday meeting 1/26/14
Replies: 50
Views: 4561

Re: Paper: Standby Reverse Mortgages

Thanks for posting. I was thinking about this for my mother. Downloading the paper momentarily.
by Oliver
Tue Nov 05, 2013 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Paper: Standby Reverse Mortgages
Replies: 1
Views: 676

Re: HSA, HRAs and the last month rule.

Looking into this myself but with no current insurance and under ACA next year. Is there any benefit to getting an HDHP for one month in December to get 2013 contribution and starting with a different HDHP for all of next year? Does the Last Month rule then apply also for 2014 or is it only the fir...
by Oliver
Tue Nov 05, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA, HRAs and the last month rule.
Replies: 17
Views: 1141

Re: Obamacare, increased health costs, disappearing 401k?

This is definitely throwing a wrinkle into my early retirement planning. All the early retirees and/or part-time working people I know of my age demographic (~50) are looking at significant increases when they replace their cancelled policies. There are also people in there 40's and 50's who could ...
by Oliver
Tue Nov 05, 2013 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare, increased health costs, disappearing 401k?
Replies: 41
Views: 4195

Re: Best Health Insurance Option?

The out of network max out of pocket is double the in network. I think i need to investigate the out of network option. Faced with a serious medical problem and very bad in network choices, could i just pay an additional $6k and be fully covered 100% by insurance. PS Same maximum out of pocket for b...
by Oliver
Mon Nov 04, 2013 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Health Insurance Option?
Replies: 23
Views: 2715

Re: HSA help

I might go with Saturna. This would be my first hsa account and will fully fund it at the beginning of the year. I expect I will invest in an etf at the brokerage($14.95). If I can actually have an HSA for $15/year, I will be very happy. As the account balance grows, other alternatives might be bett...
by Oliver
Mon Nov 04, 2013 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 16
Views: 2053

Re: Best Health Insurance Option?

This is an interesting analysis. The author believes bronze plans are a better buy. http://www.hullfinancialplanning.com/bronze-may-be-the-most-precious-metal-under-obamacare/ PS You might consider an HSA. PPS I expect your current grandfathered insurance plan has a lifetime cap and maybe an annual ...
by Oliver
Thu Oct 31, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Health Insurance Option?
Replies: 23
Views: 2715

Re: Please help interpret this 3 factor analysis

Alpha above represents the monthly alpha. You might find this article interesting. http://www.cbsnews.com/8301-505123_162-57413875/how-the-four-stock-premiums-work/ PS You might run the those funds through the four factor model and the rolling regressions at the site. Rolling regressions give some i...
by Oliver
Tue Oct 29, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Please help interpret this 3 factor analysis
Replies: 15
Views: 980

Re: If you could have only one fund, what would it be?

I am a big fan of passive investments. However, my one fund is an active fund. It offers factor exposure to microcap stocks (small), value and momentum factors while generating alpha. The fund is Bridgeway's ULTRA-SMALL COMPANY FUND (brusx).

PS It has been closed forever.
by Oliver
Mon Oct 28, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 124
Views: 23321

Re: iphone options?

If things do not work on your off contact iPhone purchase, you might check out the Nexus 5 release later this month. Given the specs, it will make an excellent international phone. The 16gb version should sell for $350 off-contract. To synch your data this somewhat dated article might be useful. htt...
by Oliver
Fri Oct 25, 2013 5:03 pm
 
Forum: Personal Consumer Issues
Topic: iphone options?
Replies: 17
Views: 1711
Next

Return to advanced search