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Re: Can you outperform [an index by rebalancing]?

Thanks all, some interesting posts and viewpoints above Looking at an example of say the below which is an ASX200 fund (Vanguards Australian Index fund is an ASX300 fund) and compared to Vanguards Bond Index (VGB - the red line) the ASX200 fund is nearly back to where it started over 12 months ago, ...
by Redstorm
Fri Oct 24, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1121

Can you outperform [an index by rebalancing]?

I cannot see if it's posted here however, can you outperform the index? Say you have a three (or four) fund portfolio and invest into it regularly, rebalancing quarterly by adding new money to any lagging index, then over time will you outperform that index given that you have been buying when it ha...
by Redstorm
Thu Oct 23, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1121

Re: Investment Blogger - Do I need to be a registered advise

What do you use to Blog though?

A free hosting site, or paid site etc?
by Redstorm
Wed Oct 22, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Investment Blogger - Do I need to be a registered adviser?
Replies: 6
Views: 653

Re: Rebalancing Bands

Would you have been rebalancing like crazy as each band was breached after 9/11, at the start of the 2003 Iraq war,or during the economic crisis of 2008/2009..or would you just have rebalanced annually In my case if I rebalanced quarterly with new money and in between then and the next quarter a reb...
by Redstorm
Sun Oct 12, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Bands
Replies: 15
Views: 1143

Re: Australian - buying international shares fund?

Just a warning to watch unhedged international funds when/if the Australian dollar is low. In the early 2000s the AUD was at 0.52 and by the end of the decade it was over 1.00. IMHO this would completely swamp any benefit of owning unhedged international funds. IMHO, the shoe is now on the other fo...
by Redstorm
Sun Oct 12, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian - buying international shares fund?
Replies: 7
Views: 464

Re: Anybody using dash cameras?

A local guy had one for capturing any accidents to assist with insurance, however it actually captured a road rage incident and he passed on the footage to Police which assisted
by Redstorm
Sun Oct 12, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 13
Views: 3199

Re: Pull-ups and Push-ups

We had a small test with our fitness group the other day How long can you hold the plank position for (on elbows, no arching)? How Long can you hold a wall sit position for (back against wall, arms loose by side, thighs at 90 deg)? How many push-ups can you do in a minute (chest nearly to ground and...
by Redstorm
Sun Oct 12, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46479

Re: Dividends from Index Funds

My assumption is that you're thinking one question, but actually asking another. You're asking about "yield" but that's not what you mean. Yield is a figure you look up online. You know what that is already. What are you asking? Maybe How much would he need in a 3 fund portfolio to live o...
by Redstorm
Sun Oct 12, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends from Index Funds
Replies: 5
Views: 1073

Re: Rebalancing Bands

I may be overthinking it :D

It just seems that when the bands are breached it maybe an opportunity to capitalise on the volatility, assuming long term the trend is up
by Redstorm
Fri Oct 10, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Bands
Replies: 15
Views: 1143

Re: Indoor rowing machine - worth it?

I'd like to have a try of the Ski ERG also :D

We have the concept2 rowers at our Gym, the cost to buy the cheapest Model (D) is $1,353.00
by Redstorm
Fri Oct 10, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3588

Re: Japan, 1989

Re: Japan Japan is shrinking at a record pace. The country lost 244,000 people in 2013 as births plunged and deaths soared. It faces the prospect of losing a third of its population in the next 50 years, raising fears about its economic prospects and labour market. http://www.newgeography.com/files/...
by Redstorm
Fri Oct 10, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Japan, 1989
Replies: 118
Views: 25916

Rebalancing Bands

Just playing around with a spreadsheet

Is 10% as a Rebalancing band okay or too loose?

Is 5% as a Rebalancing band too tight?

I am adding new money each quarter to Re-Balance, so the bands would be breached between those periods if the markets are volatile
by Redstorm
Fri Oct 10, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Bands
Replies: 15
Views: 1143

Dividends from Index Funds

Just curious as to what dividends the 3 index funds have been returning? A friend was discussing 75% in an US Index Fund, 25% in an Aussie Index Fund and 25% in an emerging markets (china, india, HK) index Say VTS, VAS and VEU (ASX) He was hoping $2M invested would bring in 5% yield or $100k p/a Is ...
by Redstorm
Fri Oct 10, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends from Index Funds
Replies: 5
Views: 1073

Re: Indoor rowing machine - worth it?

I like to mix it up but the Concept2 Rower and some weights are a great mix for a quick workout The other morning after a quick warm up I did the below for 4 sets moving from one exercise to the next without a break Row 500M 10x15kg Dumbell Thrusters 10x 20kg Kettlebell Swings Back to 500M row...and...
by Redstorm
Thu Sep 25, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3588

Re: How I beat Indexing... in 1 hour

Gives us Septembers picks now Supersaver :idea:
by Redstorm
Wed Aug 27, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 71
Views: 11852

Re: Telling my friends I paid off my house was a mistake.

Some friend may think you had some LUCK to get where you are, but LUCK is just Labouring Under Correct Knowledge

There's also RISK in everything we do, financial and otherwise, RISK is Likelihood x Consequences.

No RISK No REWARD :wink:
by Redstorm
Tue Aug 26, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10510

Re: The Funniest Movie Ever

For me A Fish Called Wanda

Bridesmaids was pretty good as was the original Hangover movie
by Redstorm
Fri Aug 15, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15222

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

From the news

CLASS A shares of Berkshire jumped past the milestone to an all-time trading high of $US201,740 ($A218,274.28) Thursday morning.

It has taken 44 years (1962-2006) to reach first $100K and 8 years for the second. Would be interesting to see how many years it takes to reach the third.
by Redstorm
Thu Aug 14, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 9737

Re: Advice for a young Australian Investor

From the 1st July 2014 the Superannuation levy moved up to 9.5% for employers, employees can also contribute but its not mandatory Paul Keating was aiming for 15% There's a historical perspective here on Wikipedia http://en.wikipedia.org/wiki/Superannuation_in_Australia There's curently around $1.3 ...
by Redstorm
Sun Aug 03, 2014 5:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1180

Re: How Much Did You Lose Today?

Garco wrote:That's right. If you can't do like Scrooge McDuck and swim the backstroke in your cash and coins in your private vault, it's not money.


Image

Gotta love old Scrooge :wink:
by Redstorm
Sun Aug 03, 2014 5:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15419

Re: Landlording for long-term wealth? Who's doing it?

Here's the median house price growth of our city from 1974-2013

Not sure why the use median, but they do...

Image
by Redstorm
Sun Aug 03, 2014 5:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 8069

Re: How Much Did You Lose Today?

It didn't drop enough to make me release some bonds :wink:
by Redstorm
Fri Aug 01, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15419

Re: Advice for a young Australian Investor

Super is currently 25% VTS 25% VAS 25% VGB 25% VEU Rebalance quarterly as new money comes in Nice and simple! Do you hold this in a smsf? Hi Beeroclock Yes, all in a SMSF It seems more and more Superannuation companies are letting members chose their investments to compete with the popularity of SM...
by Redstorm
Thu Jul 31, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1180

Re: Landlording for long-term wealth? Who's doing it?

A large percentage of our investment is in Australian Real Estate Capital Growth has been great over the last 30+ years with investments doubling every 10-12 years and continual rental increases Current low interest rates are a bonus Though our 5 year rates have 'just' gone below 5%, they are nothin...
by Redstorm
Thu Jul 31, 2014 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 8069

Re: Advice for a young Australian Investor

Super is currently

25% VTS
25% VAS
25% VGB
25% VEU

Rebalance quarterly as new money comes in
by Redstorm
Thu Jul 31, 2014 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1180

Re: Australian - buying international shares fund?

As an Aussie

I have the below ETF's

VTS
VEU
VAS
VGB
by Redstorm
Wed Jul 30, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Australian - buying international shares fund?
Replies: 7
Views: 464

Re: Please help me fight for index funds!

As Upton Sinclair said:

'It is difficult to get a man to understand something, when his salary depends on his not understanding it.'
by Redstorm
Wed Jul 30, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2594

Re: Anybody using dash cameras?

There's probably a Facebook Page devoted to outing bad drivers recorded on these devices

Russian Dash Cams on Youtube has some carazy stuff stuff recorded
by Redstorm
Sun Jul 20, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 13
Views: 3199

Re: POLL: Are You Re-Balancing?

Re-Balance each quarter with new funds

I've also re-balanced and taken some gains when an index (ETF) gets over 15% in a quarter
by Redstorm
Fri Jul 04, 2014 5:32 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5240

Re: Listen to ebooks -- How?

You can pick up a cheap MP3 player from any of the larger stores, download the books to that

I put them onto my android phone, along with say a TV series to watch when on the bus or plane
by Redstorm
Sat May 24, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Listen to ebooks -- How?
Replies: 17
Views: 1585

Re: Gurus Achieve An Astounding 47.4% Accuracy!

Rick Ferri wrote:Guru's don't make money predicting markets: they make money marketing predictions.

Rick Ferri


Spot on :D

"nobody knows nothing"


Then somebody knows something :wink:
by Redstorm
Sat Jan 25, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Gurus Achieve An Astounding 47.4% Accuracy!
Replies: 202
Views: 10463

Re: Why shouldn't REIT's be a large % of your portfolio?

Just on this Unpack: analyze (something) into its component elements. "let us unpack this question" Is this not common usage? For all I know you probably think that stuff in cans you drink is called 'soda' ;-). When in fact everyone knows it is pop ;-). Cool Drink for us And that yellow th...
by Redstorm
Wed Jan 22, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't REIT's be a large % of your portfolio?
Replies: 67
Views: 12394

Re: The Funniest Movie Ever

A Fish Called Wanda
by Redstorm
Fri Jan 03, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15222

Re: 'Play' Money

I went to indexing with all bar some funds I'd been trading in the stock below with and let it ride for the last 2 years. This was my 'play money'. I add to my index funds each 1/4 http://chart.finance.yahoo.com/z?s=CBA.AX&t=2y&q=l&l=on&z=l&a=v&p=s&lang=en-AU&region=AU
by Redstorm
Thu Dec 26, 2013 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 7036

Value [of stocks]

When looking at individual stocks would it be fair to say

"Price is what you pay, value is what you get and value is subjective"
by Redstorm
Wed Dec 25, 2013 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Value [of stocks]
Replies: 4
Views: 474

Re: Property & Bonds

Thanks Magneto

Most property is leveraged to some degree also, which can magnify gains (or losses)
by Redstorm
Mon Dec 23, 2013 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Property & Bonds
Replies: 7
Views: 680

Property & Bonds

Rental payments that determine an asset’s yield allow comparisons to other income-generating investments.

Are there any similarities or correlations between residential property, REITs and Bonds?
by Redstorm
Mon Nov 25, 2013 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Property & Bonds
Replies: 7
Views: 680

Re: Pull-ups and Push-ups

http://slcmma.com/wp-content/uploads/2008/12/chinup_bar.jpg I use one of these simple doorway units at home for pull ups and leg lifts and for variety, the larger unit at the local park A combination of anaerobic and aerobic is great for me and I enjoy it. Recent workout examples 11 minute time lim...
by Redstorm
Wed Nov 20, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46479

Re: Pull-ups and Push-ups

Crossfit has a many great body workouts...a good one is called "Cindy". As many rounds as you can do in 20 minutes. Each round consists of 5 pullups, 10 pushups and 15 air squats...try it..you will like it...Mark Try that with a minute as your marker 5 pullups, 10 pushups and 15 air squat...
by Redstorm
Sun Nov 10, 2013 2:27 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46479

Re: More XIRR Questions

Thanks for that

Looking back, I need to try and work out exact starting and end value for 2012

Starting value is easy enough, I only started passive index investing around August 2012

Though I need to work out end value as at 31st Dec 2012 as I hadn't noted anything down
by Redstorm
Sun Oct 13, 2013 2:44 am
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 809

More XIRR Questions

I finally got XIRR to work on a spreadsheet =XIRR(B1:B15,A1:A15,0.1) Hopefully for 2013 I can track it accurately and enter in all purchases, sales, dividends to ascertain performance I'm curious though, looking back on the previous year and the fact that I had dividends paid out, what value do I as...
by Redstorm
Sat Oct 12, 2013 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 809

Re: The market is on fire

The Australian share market has hit a five year high, gaining more than one per cent after the world's largest economy decided to continue its stimulus program. Local stocks opened strongly and gained momentum on Thursday after the United States Federal Reserve surprised the market with its decisio...
by Redstorm
Thu Sep 19, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12579

Re: Tax Loss Harvesting Question

Thanks,

I checked out the RBD link and chart also
by Redstorm
Tue Sep 17, 2013 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 3
Views: 296

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

That's some impressive chart-work there Clive :D
by Redstorm
Tue Sep 17, 2013 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15812

Tax Loss Harvesting Question

http://farm4.staticflickr.com/3744/9790106706_aaf4f69351_b.jpg Not sure if the above screenshot will work, but here goes Over the last 12 months or so whilst stocks have moved northwards the Bond Index has moved south (re-balancing has been done quarterly with new funds) My question is, with Tax Lo...
by Redstorm
Tue Sep 17, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 3
Views: 296

Re: "The Clash of the Cultures" -- A Gem

Got the book on Kindle along with the Bogleheads, Second Grade Investor, Millionaire Teacher, The Investment Answer and a few more good reads
by Redstorm
Sat Sep 14, 2013 9:34 am
 
Forum: Investing - Theory, News & General
Topic: "The Clash of the Cultures" -- A Gem
Replies: 14
Views: 2161

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

baw703916 wrote: ...I think that leverage in the 20% range early in one's investing career may be helpful, provided all of the following apply: 1. You take on the leverage in such a way that you cannot have a margin call.... 1) How do you do that? Other than by holding a cash reserve equal to the a...
by Redstorm
Thu Sep 12, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15812

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

True

Even $10 extra up front on a 30 year loan makes a difference
by Redstorm
Sun Sep 08, 2013 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15812

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

technovelist wrote:I used leverage once. I got massacred. I learned my lesson.


Leverage in Real Estate has served me well though
by Redstorm
Fri Sep 06, 2013 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15812
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