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Re: Int'l value fund question

Vanguard Intl Value also has emerging market exposure
by Sammy_M
Thu Oct 23, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l value fund question
Replies: 3
Views: 334

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 Sammy_M
Sat Oct 11, 2014 7:05 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 26
Views: 2440

Re: Quicken 2015 for Windows - Any reviews?

^It won't help me with rebalancing. No bands. I use a spreadsheet.
by Sammy_M
Sat Oct 11, 2014 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3612

Re: Quicken 2015 for Windows - Any reviews?

Purchased Home and Business 2015 a few hours ago. Upgraded from 2012 with about five years of data and lots of accounts. No observed problems.

X-ray feature is a nice enhancement. Wish it would allow me to classify my i-bonds and CDs as bonds though.
by Sammy_M
Fri Oct 10, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 39
Views: 3612

Re: is anything 'cheap' out there?

My guess:
Precious metal equities (GDXJ)
Collateralized commodity futures (DBC)
Emerging mkt value (PXH)
by Sammy_M
Fri Oct 10, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5488

Re: Ultimate Small Cap Value Portfolio...

princetontiger wrote:... DLS and IJS.

...sooo 2000's. Today, it's all about IEIS and PXSV. :wink: (neither of which do I own)
by Sammy_M
Fri Oct 10, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 26
Views: 2440

Re: DFA-RAFI & factor diversification within 30:30:40 portfo

. 1. The MSCI quality index does perform okay. A 30:30:40 MSCI Quality:DFA LV: DFA SV had annualized return/SD/Sharpe ratio of 15.3/17.8/0.67 for 1980-2013 period, so higher Share Ratio than when DFA LG is added. Just to note the MSCI quality index has about a -0.15 size and value load, and a 0.3 '...
by Sammy_M
Sun Sep 28, 2014 6:46 am
 
Forum: Investing - Theory, News & General
Topic: DFA-RAFI & factor diversification within 30:30:40 portfolio
Replies: 17
Views: 2187

Re: Adding Momentum and Quality factor exposure

stlutz, I definitely hear you about AQR expenses. I unfortunately won't be able to get all the momentum/quality exposure I would prefer domestically because of 401K options. I have Vng TSM in 401K but subpar international options. AQR Core funds are not cheap, but I would be lying if I said that Lar...
by Sammy_M
Mon Sep 22, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding Momentum and Quality factor exposure
Replies: 4
Views: 343

Adding Momentum and Quality factor exposure

I've been following the literature and discussion on Momentum and Quality factors, and after after a year or so, am convinced that it is worth pursuing (at reasonable costs). I'm now examining available fund options and am moving toward implementation. For foreign equities, the choices seem limited....
by Sammy_M
Sun Sep 21, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding Momentum and Quality factor exposure
Replies: 4
Views: 343

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

FWIW They will be coming out with a new version of the fund with about half the expense ratio, but targetting half the volatility. So more bond like volatility, rather than about half the stock volatility, and of course lower returns Larry This appears to be QSLIX with an ER presently capped at 0.8...
by Sammy_M
Fri Sep 19, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Good article on style premium investing & AQR new fund
Replies: 86
Views: 8152

Re: Emerging markets 1900-2013

On the Schwab Emerging Markets Large Company Index (SFENX), since inception 01/31/2008 to end June 2014 (similar period to earlier comparisons), tracking error over this period has been -1.86%, compared to -1.14% for PXH. In addition, SFENX (and the recent ETF version FNDE) has less stock holdings ...
by Sammy_M
Mon Sep 01, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets 1900-2013
Replies: 54
Views: 5685

Re: MOM faltering? [Momentum]

Moving toward implementation...the ER for an international value fund like SFNNX, EFV or VTRIX is 0.34-0.43 vs. 0.70 for AQR International Core (QICLX). AQR Intl. Core tilts not only to value, but also momentum and profitability. Is the negative correlation between value and momentum likely to deliv...
by Sammy_M
Thu Jul 31, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: MOM faltering? [Momentum]
Replies: 94
Views: 6487

Re: Using 529 Stable Value Fund for non-college savings

fyi, looks like the new rate is 2.64%. Still the best fixed-income 529 option?
by Sammy_M
Thu Jan 02, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Using 529 Stable Value Fund for non-college savings
Replies: 6
Views: 742

Re: Pull-ups and Push-ups

What else should I consider adding for my back? As far as limited equipment exercises, supermans are indeed very good to target the lower back. Hanging leg raises, bringing toes all the way to the bar and back down in a slow and controlled manner, work both abdominal and lower back muscles. Also an...
by Sammy_M
Sun Nov 17, 2013 9:25 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46462

Re: How to beat the index

If someone's created index works better, investors will flock toward it and the market profile will change and so will the pure index that tracks it. This is why it's so difficult to beat the cap-weighted index over time. Very well put. Unless you (i) have investing skills that are superior to the ...
by Sammy_M
Fri Nov 15, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: How to beat the index
Replies: 26
Views: 2010

Re: Shiller P/E 10 hits 25

Diversify globally. It's not 25 everywhere.

If you've already done that, I think it's reasonable to decrease US equities by a couple % for each increase in PE10 above say 23.
by Sammy_M
Wed Nov 13, 2013 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 19315

Re: iBonds for tax sheltering

We fund in this order

Pretax 401k
Roth IRAs (backdoor)
iBonds
Mortgage paydown (2.625)

I-Bonds count toward our bond allocation. 0.20 real with no credit and no duration risk is about the best deal going.
by Sammy_M
Wed Nov 13, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: iBonds for tax sheltering
Replies: 18
Views: 1607

Fama & Shiller: Great Democratizers

I did a search but didn't see where anyone mentioned this article before. I thought it was very well written. http://www.indexuniverse.com/sections/blog/20113-fama-a-shiller-great-democratizers.html Its larger point is that both Fama and Shiller have helped investors understand the properties of the...
by Sammy_M
Wed Nov 06, 2013 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Fama & Shiller: Great Democratizers
Replies: 0
Views: 203

Re: Pull-ups and Push-ups

My home workout is simple: 1. Pull (pull-ups) 2. Push (push-ups) 3. Core (hanging knee or leg lifts) 4. Legs (squats/lunges) I currently do 10 sets of 8 each, with a minute rest between each set. Total workout = 30 minutes. Sounds a lot like "Angie." http://www.mensfitness.com/training/en...
by Sammy_M
Sat Nov 02, 2013 8:27 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 46462

Re: iGoogle alternatives?

netvibes is a great alternative to iGoogle
feedly is for Google Reader
by Sammy_M
Sat Nov 02, 2013 7:22 am
 
Forum: Personal Consumer Issues
Topic: iGoogle alternatives?
Replies: 21
Views: 2446

Re: A tale of two woes - commodities and gold

Significance for investors: If you have committed to a long-term allocation in Gold or Commodities and haven't rebalanced since 2011, you might want to now?
by Sammy_M
Fri Nov 01, 2013 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: A tale of two woes - commodities and gold
Replies: 95
Views: 5234

Re: Poll: How conservative/aggressive is your AA for your ag

Early 40's
45% stocks (SV tilt)
25% bonds
30% stuff (rentals, timber, commodities)

I voted ultraconservative, but it doesn't seem like it to me.
by Sammy_M
Fri Nov 01, 2013 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 6318

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

I'm feeling lazy so will ask - has anyone made or seen a calculator that computes whether you should sell old I-Bonds (held more than 12 mos) that had the 0% fixed to buy new ones at 0.2%? The calculation would need to consider the 3 months forfeited interest as well as the tax hit.
by Sammy_M
Fri Nov 01, 2013 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7536

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

0.2 fixed? That is a surprise.
by Sammy_M
Fri Nov 01, 2013 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7536

Re: AQR Core question

I generally would check the portfolio stats shown in Morningstar against the stats shown on the respective fund family websites. AQR rounds though so P/B is not as helpful. There is a huge difference between 1 and 2.
by Sammy_M
Fri Oct 25, 2013 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: AQR Core question
Replies: 5
Views: 489

Re: New ibond rates for nov 2013

The September 2013 CPI-U will be announced on Wednesday, October 30, 2013 at 8:30 AM. It was originally scheduled for October 16, I think, but the shutdown obviously threw a wrench in that timeline. So that won't leave a lot of time to make your decision to buy in October vs November ! http://www.b...
by Sammy_M
Sun Oct 20, 2013 8:13 am
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8155

Re: New ibond rates for nov 2013

Rainier wrote:Any guesses on what the rate will be? Higher or lower than the current rate?

The last 5 months have been low. http://data.bls.gov/timeseries/CUUR0000 ... w=pct_1mth
tfb guesses it'll be slightly down. http://thefinancebuff.com/september-cpi ... er-30.html
by Sammy_M
Sat Oct 19, 2013 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8155

Re: Using an Advisor; Portfolio Changes

Thoughts on how an Advisor might improve returns: 1. Access to lower expense funds (DFA's commodity fund is cheaper than Pimco's) 2. Access to better funds. ..a) Fewer trades necessary since Core funds rebalance internally (I realize this only applies to those that tilt - but I do) ..b) Better trade...
by Sammy_M
Mon Sep 30, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using an Advisor; Portfolio Changes
Replies: 14
Views: 1563

Re: Using an Advisor; Portfolio Changes

Comments about comparing the cost of the advisor vs. the impact they could make to the portfolio are spot on. That does seem to be the right way to look at it.

umfundi, re fee-only, an advisor whose sole compensation is the direct fees paid by their investor clients.
by Sammy_M
Mon Sep 30, 2013 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using an Advisor; Portfolio Changes
Replies: 14
Views: 1563

Re: Help me choose a large cap fund

0.10% cost difference aside, I would not go with a Nationwide fund over 2 perfectly good Vanguard funds. For example, does Nationwide keep revenue derived from securities lending? If you want Market exposure, split 50:50 Growth and Value. No one says you need to select only 1 fund. I would also favo...
by Sammy_M
Sun Sep 29, 2013 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose a large cap fund
Replies: 19
Views: 939

Re: Using an Advisor; Portfolio Changes

To elaborate a bit on my original post, using the same order: 1. We did pretty well in maintaining discipline in 2008, but it was a very nerve racking time and I began to doubt myself. It would have been worth something to me to have a professional to talk to.I could envision that as a person gets c...
by Sammy_M
Sat Sep 28, 2013 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Using an Advisor; Portfolio Changes
Replies: 14
Views: 1563

Using an Advisor; Portfolio Changes

I'm considering utilizing the services of a fee-only advisor. My rationale: 1. Someone is there to help counsel me/my wife in turbulent times so that we stay disciplined. 2. My family has someone (trusted) to turn to if something happens to me. 3. Hoping I'll spend a little less time watching things...
by Sammy_M
Fri Sep 27, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Using an Advisor; Portfolio Changes
Replies: 14
Views: 1563

What are the best funds among the advisor-only funds?

What are the best funds among the advisor-only funds? Based on what I have read here: DFA offers the best tilted core funds (core, core2, vector) best components for intl small value, emerging small, emerging value best commodity futures fund (if you want it) best int'l real estate? (if you want it)...
by Sammy_M
Fri Sep 20, 2013 6:23 am
 
Forum: Investing - Theory, News & General
Topic: What are the best funds among the advisor-only funds?
Replies: 6
Views: 1012

Re: Hypothetical: Why not I-Bonds instead of TBM?

First, a young investor should max out their 401k/IRA options before they do anything else. And you can't buy I-Bonds in these types of accounts. After those accounts are max'd, go all I-Bonds and/or paydown debt. $10K per person, per year can add up over time. Consider that the max for 401K/IRA is ...
by Sammy_M
Mon Sep 09, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Hypothetical: Why not I-Bonds instead of TBM?
Replies: 8
Views: 1414

Re: Fund Factor Tilting Data

Thank you for sharing
by Sammy_M
Sun Sep 08, 2013 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Factor Tilting Data
Replies: 60
Views: 5545

Re: Ultimate Buy and Hold - 8 slices vs 4

So, what are any concerns with the following? 25% S&P 500 fund ER .03 25% SPDR S&P Sm Cap 600 Value (SLYV) ER .31 25% Schwab Fundamental Large Company Index Fund (SFNNX) .31 25% Schwab International Sm Cap (SCHC) ER .20 Perhaps, supplement International Large Value with SPDR Emerging (EDIV)...
by Sammy_M
Fri Sep 06, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 632
Views: 219450

Re: Body by Science Workout

Sounds interesting so I decided to give it a try. I'll provide an update in the fall as to how it went. I'm around 165lb, early 40s, and have lifted on and off for 25 years. My 1 rep max bench press around 300 now. Given the bench:body weight ratio is already high, I expect limited gains under this...
by Sammy_M
Wed Sep 04, 2013 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 26283

Re: Why only 5-10% for REITs?

Nice post, georgewall42
by Sammy_M
Thu Aug 08, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why only 5-10% for REITs?
Replies: 44
Views: 4445

Re: Do you have an allocation to Precious Metal Equities?

It was right around the first of the month, after I read TFB's post on PME , that I seriously began thinking about adding a small allocation to PME. In particular, I find GDXJ and RING attractive. I try not to make decisions too quickly, and try to let some time pass before acting on any new ideas. ...
by Sammy_M
Mon Jul 22, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Do you have an allocation to Precious Metal Equities?
Replies: 33
Views: 4618

Re: factor based investing

Value is associated with low p/e or low p/b. Not so for Profitability. From Novy-Marx paper, Profitability, measured by gross profits-to-assets , has roughly the same power as book-to-market predicting the cross-section of average returns. Profitable firms generate significantly higher returns than unpro...
by Sammy_M
Sat Jul 20, 2013 10:13 am
 
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 38
Views: 3192

Re: factor based investing

As momentum and profitability are behavioral factors rather than risk factors, there should be skepticism about whether they will persist. Sooo...what is the upside versus downside of choosing to ignore these additional factors? From my standpoint... Profitability is an earnings yield variant. It's...
by Sammy_M
Sat Jul 20, 2013 9:53 am
 
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 38
Views: 3192

Re: factor based investing

nisi,
Please define what you mean when you say "doesn't help" and "improve a portfolio". Sharpe ratio?
by Sammy_M
Sat Jul 20, 2013 9:37 am
 
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 38
Views: 3192

Re: Best online portfolio viewing site?

I then add column H manually to classify the type manually (e.g. I EM for International Emerging Market). I then use the data to create a crosstab using the type and then use this to analyze my asset allocation with absolute and percentage deviation from the target to help me re balance or to decid...
by Sammy_M
Sat Jul 20, 2013 8:16 am
 
Forum: Investing - Theory, News & General
Topic: Best online portfolio viewing site?
Replies: 48
Views: 6745

Re: Adjusting My Portfolio - ETFs vs Mut Funds

If you are actually planning to invest $500K in REIT Index and will have to do it in a taxable account, you might look into a variable annuity. Another thread discusses a variable annuity which is very low cost for large investments. It charges a fixed-dollar fee rather than Vanguard's percentage f...
by Sammy_M
Sat Jul 20, 2013 6:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Adjusting My Portfolio - ETFs vs Mut Funds
Replies: 13
Views: 1080

Re: factor based investing

Fidelity too. $75 to buy, $0 to sell.
by Sammy_M
Sat Jul 20, 2013 5:42 am
 
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 38
Views: 3192

Re: factor based investing

As momentum and profitability are behavioral factors rather than risk factors, there should be skepticism about whether they will persist. Sooo...what is the upside versus downside of choosing to ignore these additional factors? From my standpoint... Downside: (D1) Missing the returns if they do per...
by Sammy_M
Fri Jul 19, 2013 11:19 am
 
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 38
Views: 3192

Re: Email more efficient than phone calls?

NorCalDad wrote:Any time you have to have a back and forth with someone, it's more efficient to have a phone conversation. Instant messaging and texting also work better than e-mail.

But when it's one-way communication, e-mail is more efficient.

I completely agree
by Sammy_M
Thu Jul 11, 2013 11:52 am
 
Forum: Personal Consumer Issues
Topic: Email more efficient than phone calls?
Replies: 42
Views: 2436

Re: Gold: The best and the worst returns & risk.

I quickly realized our gold fund was a very volatile fund. In 1993 it Was Vanguard's best performing fund with 93% annual return. Five years later in 1998 it had the worst 5-year compound return of all Vanguard Funds. Seems that is precisely the reason they are attractive in a portfolio setting. No...
by Sammy_M
Mon Jul 08, 2013 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Do you have an allocation to Precious Metal Equities?
Replies: 33
Views: 4618

Re: Thoughts on Vanguard ETF's vs Fidelity Spartan Funds

One not-commonly mentioned advantage of ETFs is that they are more easily transferred to another broker than proprietary mutual funds are. In other words, if you get mad at Fidelity and decide to switch to Schwab or TD Ameritrade 5 years down the road, life would be easier with ETFs than with the F...
by Sammy_M
Mon Jul 08, 2013 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Vanguard ETF's vs Fidelity Spartan Funds
Replies: 6
Views: 1644
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