Search found 4907 matches

Return to advanced search

Re: Is 1800s stock market data even relevant?

I don't recall too many people on this board touting 1800's data when doing analysis.

Heck, we even question more recent asset class data - including TIPS and commodity data not too far in the past.

RM
by Random Musings
Tue Apr 22, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 43
Views: 1723

Re: Beat The Market Week

Contrary to what the article says, there are not many compelling arguments on why active is a better choice over index/passive.

Unless one prefers to underperform, on average.

RM
by Random Musings
Mon Apr 21, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Beat The Market Week
Replies: 4
Views: 489

Re: What does a Boglehead Mattress look like?

As the manufacture recommends, I rebalance it once every six months. I have heard theories that one should do this daily, but that just seems like overkill.

RM
by Random Musings
Mon Apr 21, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: What does a Boglehead Mattress look like?
Replies: 17
Views: 1298

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

Years ago, McDonalds did not offer tomatoes in some of its standard burgers. The story I heard at the time was that if tomatoes were included in the McDonalds burger "asset allocation" as a standard item, then there would simply not be enough tomatoes in the world to allow that. Before Mc...
by Random Musings
Mon Apr 21, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Can we ever expect VG to offer ISV or EMV?
Replies: 17
Views: 1382

Re: Stress-test your portfolio

Hmmmm. At least when I stress-test my portfolio, I just look at worst-case downside based upon my equity/bond allocation. Regardless of what causes the stress. Since the depression (-90%) is too depressing, I just look at equities going down 50-60% and bonds remaining roughly flat. Trying to predict...
by Random Musings
Mon Apr 21, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Stress-test your portfolio
Replies: 5
Views: 665

Re: POLL: what's the deal with Tuna Fish?

When I used to eat it, it was with Mac 'n Cheese.

Oh, the tuna was in water.

RM
by Random Musings
Sun Apr 20, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 44
Views: 2671

Re: Typical fees for an account with Morgan Stanley ?

Since today is a Easter Sunday, I'll stick to the saying "If you don't have something nice to say, don't say anything at all".

So for Morgan Stanley, all I can say is that I've never had a need for their services.

RM
by Random Musings
Sun Apr 20, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Typical fees for an account with Morgan Stanley ?
Replies: 20
Views: 1607

Re: Boglehead used car problem. Run It or ditch it?

Typically, I am in the drive it into the ground person when it comes to cars. You put almost $5k in the car about 15,000 miles ago and it runs great. Plus you say that the trade in will only be a little bit more. Keep an eye on the tranny fluid and drive it into the ground. Even if you have to spend...
by Random Musings
Thu Apr 17, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 1998

Re: Let's say we live for 150 years...

That would certainly throw a wrench in the works with SS and pension plans. The NIH has a paper that currently caps in at 125 years using a modified stretched exponential function for human survival curves. There is also caps on life based on the Hayflick limit, which is based upon how many times ce...
by Random Musings
Thu Apr 17, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 20
Views: 3347

Re: Blog:Frank Armstrong Ideal Index portfolio

Ignoring the REIT's and bonds, he's basically 50/50 US/Int'l on the equity side.

Following in_reality, why no breakout in REIT's? Vanguard's int'l REIT fund is relatively low cost.

So many ways to Dublin.

RM
by Random Musings
Thu Apr 17, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Blog:Frank Armstrong Ideal Index portfolio
Replies: 2
Views: 453

Re: Baby Boomers: Top 10 Movies

What the world really needs is another movie list. Saying that, one of my favorite movie lists is the all time domestic box office inflation adjusted list - adjusted by ticket pricing. My oldest daughter was upset that Frozen isn't in the top 100 (yet). But this does give a flavor of what movies wer...
by Random Musings
Wed Apr 16, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2746

Re: Stocks: How Bad It Can Get

Let's see how it looks after the Yellowstone eruption crisis. Perhaps not, we'll most likely be all be ash (or bones) before getting dumped on by fresh ash. Then a new bull market will start. :D

RM
by Random Musings
Wed Apr 16, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5368

Re: What is your net worth

Another big swinging wallets thread......

RM
by Random Musings
Wed Apr 16, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5408

Re: You don't want to be member of the hedge fund club

But I think it would be excellent to be part of the hedge fund club.

Oh, wait a second, you are talking about the customer.........

RM
by Random Musings
Wed Apr 16, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: You don't want to be member of the hedge fund club
Replies: 13
Views: 2284

Re: GMO Forecasts now include Value and Growth

Should we really pay attention to GMO's forecasts, let alone anyone's? I think not... There has been an analysis that showed that GMO's forecasts are pretty decent in terms of "ranking" forward returns of the various asset classes. Of course, past history does not guarantee...... But it l...
by Random Musings
Wed Apr 16, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1111

Re: Looking at top 1% for actionable insight

Wealth Tier----------------------------------------Count---------Mean Net Worth Under $2 million in gross assets---------------449,000--------$1,046,619 $2 million to $3.5 million in gross assets----1,008,000------$2,593,065 $3.5 million to $5 million in gross asset------364,000--------$4,151,220 $...
by Random Musings
Tue Apr 15, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 7443

Re: GMO Forecasts now include Value and Growth

They did do this in the past for a little bit, but discontinued for a while. Interesting that domestic equities are favoring the growth component, while intl favors value.

RM
by Random Musings
Tue Apr 15, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1111

Re: Proper Money management and itinerary for Europe trip

Perhaps your lodging/travel is already locked in, but I would spend more time in Venice. 2 1/2 days does not do it justice.

RM
by Random Musings
Mon Apr 14, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1872

Re: Stock AA

There are a lot of people who consider themselves to be very successful investors. Most of them, most likely are not when risk adjusted. First question to ask: Does the allocation (equity/bond) he recommends match your need of risk as stated in your IPS Second question to ask: Does the allocation of...
by Random Musings
Mon Apr 14, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stock AA [Asset Allocation]
Replies: 11
Views: 681

Re: Whats with the internet cap-100GB/ month?

As a benchmark, I get 200 GB for $45/month. However, only 15/3 speed. If I want to get 30/3, that's $60/month. That's the best available for my area, and I don't need that speed.

RM
by Random Musings
Mon Apr 14, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Whats with the internet cap-100GB/ month?
Replies: 11
Views: 1206

Re: Source of the value premium, review of some of the resea

http://www.etf.com/sections/index-investor-corner/21796-swedroe-a-closer-look-at-value-premiums.html thought this would be of interested given the many discussions on the topic Larry These days, the postings tend to strongly favor "where's the beef" when it comes to value premiums. For th...
by Random Musings
Mon Apr 14, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Source of the value premium, review of some of the research
Replies: 1
Views: 268

Re: What % of stock market "drive" is gambling?

I believe that all investments, including treasuries have a 100% gambling component, no different than playing the slots. The difference is that the calculated risk is far more palatable for most investments we discuss about on this board. Expected returns on our bets are usually favorable over long...
by Random Musings
Sun Apr 13, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 36
Views: 3461

Re: My financial advisor doubt

First question is what types of services is this advisor providing you? If it is only to manage the $2MM in assets and deploy into DFA funds, I would attempt to negotiate lower and see what their counter is.

But it sounds like you already have a bad taste in your mouth.

RM
by Random Musings
Sun Apr 13, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3173

Re: Howard Marks latest memo

But are you going to count on cap gains for long-term returns for bonds? No. I am going to exchange all my bonds to Total US stock market index for the rest of the year, so that I will beat by 4% the 2014 return of TSM without even trying. Market timing at it's finest. Come to think of it, a great ...
by Random Musings
Sat Apr 12, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Howard Marks latest memo
Replies: 12
Views: 1289

Re: Do target retirement accounts rebalance for you?

First time poster. I recently opened an employee retirement account and selected the Vansgaurd 2050 target retirement account. Does this account automatically rebalance it's asset classes? If so, does it do so based on a target percentage or based on a specific amount of time elapsed? Yes and yes. ...
by Random Musings
Sat Apr 12, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do target retirement accounts rebalance for you?
Replies: 3
Views: 426

Re: Stock markets in free fall?

tainted-meat wrote:Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns.


Triumph of the optimists.

RM
by Random Musings
Sat Apr 12, 2014 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6560

Re: gold , silver and copper

It's a wonderful half-life. Paging Munchkin Man......

RM
by Random Musings
Fri Apr 11, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2242

Re: heartbleed - widespread internet security problem

A couple of notes about what Vanguard (or anyone else) is or is not saying: 1. There were only certain versions of OpenSSL that contained the bug. If Vanguard was using one of the earlier versions that did not contain the TLS/SSL heartbeat code, they were not vulnerable. 2. If they did not use or a...
by Random Musings
Fri Apr 11, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16458

Re: Mr. Money Mustache: Hero or Foolish?

Thank you for your kind comment Wildebeest. I'm kind of new here and still trying to figure out what I have to offer the Bogleheads. All I got is what I have. Mr. MM's promise is more than just that he will tell you a story. He says, "You poor sap. Why dwell in the gloom of ordinariness any lo...
by Random Musings
Fri Apr 11, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 241
Views: 26611

Re: Reflections on RYOCX

However, M* strangely gives RYOCX a 4 star rating (versus QQQ's 5 star rating).

Another data point that proves that M* ratings can mean very little. Unless 100 bps in expense ratio's cost you a star. :oops:

RM
by Random Musings
Fri Apr 11, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Reflections on RYOCX [Rydex Series Trust Nasdaq-100 Index]
Replies: 2
Views: 329

Re: Brown bagging in a more formal office

Corporate office - small group with mostly key executives. I bring my lunch in insulated tote. Others bring in paper or plastic bags and some drive out to pick up food and bring it back to office. Or go to the dreaded vending machine which I avoid. We get catered lunches about twice a month. Nothin'...
by Random Musings
Fri Apr 11, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3069

Re: Some websites are.......

pennstater2005 wrote:I'm still in the accumulation phase and hope for a correction. I'm tired of buying in at new highs.


Then you would have not wanted to been an investor from the period from 1974-2000. Lots of new highs them. You would have been exhausted. :)

RM
by Random Musings
Fri Apr 11, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 20
Views: 2110

Re: BH Greatest Hits: PE10 predicitive power

Of course, even if today's Oldsmobiles 25 is yesterdays 20, there still should be times in history when it moves below the average for a reasonable period of time. Historically, that is when stocks are truly despised and these PE 10 troughs last for a few years. If we use Larry's metrics, the only t...
by Random Musings
Fri Apr 11, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: BH Greatest Hits: PE10 predictive power
Replies: 39
Views: 3015

Re: 5 yr TIPs auction announced 4/10- any takers?

rate as of 4/10 is -0.10.

Doc, any reason you are buying a large amount of these, or just part of your IPS?

RM
by Random Musings
Fri Apr 11, 2014 5:58 am
 
Forum: Investing - Theory, News & General
Topic: 5 yr TIPs auction announced 4/10- any takers?
Replies: 36
Views: 3084

Re: REITS up (Still impossible to time the mkt)

Alright, I did a bit of research. REITs are often valued using their NAV. Basically, investors look to see if it costs more to buy a REIT than it would cost to directly buy the property that the REIT owns. Here is what the current NAV looks like for domestic REITs . http://www.snl.com/Images/RealEs...
by Random Musings
Thu Apr 10, 2014 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: REITS up (Still impossible to time the mkt)
Replies: 13
Views: 1929

Re: Is there an alternative view ? [Alternatives to index fu

Perhaps I should make it a little clearer. Has anyone read a body of evidence that says this is *not* the right approach - apart from marketing departments of active fund managers... Thanks Richard Not ones I would trust. Index/passive is the way to go. Spend your time improving your human capital ...
by Random Musings
Thu Apr 10, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an alternative view ? [Alternatives to index funds]
Replies: 14
Views: 1333

Re: 20+ Year Treasury Bond

Speaking of the PP, it's been relatively quiet with respect to postings recently.

RM
by Random Musings
Thu Apr 10, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: 20+ Year Treasury Bond
Replies: 6
Views: 663

Re: BH Greatest Hits: PE10 predicitive power

The most recent Hussman article has a chart that illustrates that market capitalization to GDP has the best predictive power of all.

Of course, there are no guarantees that this will work in the future.

RM
by Random Musings
Wed Apr 09, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: BH Greatest Hits: PE10 predictive power
Replies: 39
Views: 3015

Re: Netflix & Red Box

Redbox works. Depending on location, may have to time your purchases if you want to get the hot releases and not wait a few weeks. I'm enjoying House of Cards, but never put it up on the pedestal to begin with. Weeds was good, but that series degraded over time. Only in the second year of Dexter, bu...
by Random Musings
Wed Apr 09, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1492

Re: Expensive med. test not covered by insurance

I think every patient should ask for pricing before proceding with various medical cares (except for dire emergencies, where time is of the essence). They also should check to see if they have insurance coverage. However, I find it lacking if a doctor doesn't convey to their patients an idea of what...
by Random Musings
Wed Apr 09, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3848

Re: Why shouldn't i invest mostly in value funds?

If you are going to be a value tilter, you will have to stay the course no different than one who doesn't tilt. Buyers regret can come in many forms.

RM
by Random Musings
Tue Apr 08, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't i invest mostly in value funds?
Replies: 22
Views: 1471

Re: How do you walk away from a good job?

You have to decide what are the most important things in life to you. All work? All play? Something in between? Think about it. In your situation, you have the flexibility to make the choice on what direction you want to go. Many people do not have this level of flexibility. In your case, it is not ...
by Random Musings
Tue Apr 08, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3356

Re: Market falling emotions

So far (at least) the move down has been 3-7% for most indices. A little bounce back today.

Wake me up if the markets move enough where I have to rebalance.

Remember the fun during the last bear when the REIT index was moving 5-10% a day. Now, that's volatility.

RM
by Random Musings
Tue Apr 08, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2176

Re: Which parts of the financial industry are improving?

Epsilon Delta wrote:What is not improving is that deception and even outright lying are still the principle sales tools of most of the industry.


I disagree with that. They are always working on improving their techniques to deceive the public.

RM
by Random Musings
Tue Apr 08, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Which parts of the financial industry are improving?
Replies: 10
Views: 825

Re: What next after you have enough sort of.

Of course, you can save more to retire earlier. OTOH, you can spend a little more now in your youth doing things you may or may not be able to do 10 years plus from now.

RM
by Random Musings
Tue Apr 08, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3375

Re: Is Alpha Dead?

To paraphrase Frank Zappa:

"Alpha isn't dead. It just smells funny"

RM
by Random Musings
Tue Apr 08, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Is Alpha Dead?
Replies: 38
Views: 2231

Re: Do I take the separation package offer?

April 1st was almost a week ago.

RM
by Random Musings
Mon Apr 07, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 50
Views: 4644

Re: Anyone else very reluctant to buy right now?

I just bought some more Total International Stock Market. Please stay out, so when you come rushing back in, my share prices will rise even more dramatically. In the meantime, I'll continue to reinvest those 3% current yields. Uh-oh. Now that Grt2bOutdoors has bought, I want to cancel my exchange n...
by Random Musings
Mon Apr 07, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12086

Re: Delaying Social Security - best long-term investment?

Hmmmm. For people who are very well off, this type of decision is not huge as estate at TOD won't be materially significant on what choice is made. For people who are struggling or with minimal retirement savings, they most likely will need the SS now. That's a reasonable portion of retirees. Throw ...
by Random Musings
Mon Apr 07, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3728
Next

Return to advanced search