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Re: Does RSP performance offset it's expense ratio?

Yeah but...

RSP systematically buys losers and sells winners in order to maintain the equal weight scheme. A cap weighted midcap index doesn't do that.

JC
by SpaceCommander
Tue Apr 22, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Does RSP performance offset it's expense ratio?
Replies: 12
Views: 670

Re: Does RSP performance offset it's expense ratio?

The expense drag of RSP involves more than the ratio. It's a relatively high turnover as well as a higher expense fund. But RSP has some advantages to it that the cap weighted VOO does not. Academics aside, consider the Rip Van Winkle test: over the long term, an equal investment in RSP vs VOO will ...
by SpaceCommander
Mon Apr 21, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Does RSP performance offset it's expense ratio?
Replies: 12
Views: 670

Re: Reaching $1M in Total Assets

I think the "Total Assets" figure is overrated. it's not hard to accumulate 1M if you're willing to go deep into debt. Think real estate leveraged at 90+% Often the equity counted there is what I refer to as "shadow equity" (very dubious to say the least). I prefer to focus on ne...
by SpaceCommander
Sat Apr 05, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5882

Re: Are master limited partnerships worthwhile?

MLP's could be good in taxable if you're looking for higher dividends. Not a very Bogleish method. State taxes can be a hassle if you're investing large sums. Frankly, I see little need for MLPs for the vast majority of investors.
by SpaceCommander
Thu Mar 27, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Are master limited partnerships worthwhile?
Replies: 25
Views: 1445

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Cars are a consumption item. You're going to pay one way or another. The cheapest route is to buy used and drive til the tires fall off. But I think you get to a point in your life where getting the cheapest item is not your motivation anymore. You're willing to pay up to get what you want. Could yo...
by SpaceCommander
Fri Mar 21, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 2935

Re: Dividends and the Magic Pants

I don't appreciate how Larry likes to throw stones at those who disagree with him. Frankly, it's tiring. He accuses them of "denying math", holding to their position on "religious" grounds, being "egotistical", and "blind". Actually, these are the same epithet...
by SpaceCommander
Wed Mar 19, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Dividends and the Magic Pants
Replies: 38
Views: 4568

Re: Dividend stocks for current income in early retirement?

I'll stick my neck out: assembling a buy-n-hold portfolio of blue chip dividend paying stocks where you can live off the dividends without selling shares in a down market is a fine strategy. It has worked and still works splendidly for many retirees. This is not the board to discuss this strategy as...
by SpaceCommander
Fri Mar 14, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks for current income in early retirement?
Replies: 38
Views: 3504

Re: Buy vs rent no longer relevant?

I get the opportunity cost issue. I think that gets overlooked in a lot of rent/buy analysis. Sure, 20 years from now your rent will skyrocket, but what will your portfolio be worth after 30 years of compounding? I paid off my house a few years ago. It felt great, and I got that monkey off my back. ...
by SpaceCommander
Fri Mar 07, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5850

Re: 2 Comma Club

In my experience, the first half million is the hardest part. After that, it seems like the portfolio takes on a life of its own; coupled with my continued savings, the 2nd half million is easy, and the 2nd million is inevitable...
by SpaceCommander
Fri Mar 07, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 24
Views: 2821

Re: Why do investors prefer cash dividends?

TJSI, You're making the classic blunder: arguing with Bogleheads on their own board when they've got their minds made up. It's been done before, always with disastrous results. Forget about it, and go smash your head against a wall. You'll feel better, and be more productive. You can thank me later....
by SpaceCommander
Tue Mar 04, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5567

Re: What to say to Non-Savers

I see the same attitude among some with respect to their health. Smoking, substance abuse, a lack of exercise, sexual promiscuity, and eating a high fat-high calorie diet, etc. The attitude is that the future is too far away and that these indulgences are too pleasurable now. If I stick my head in t...
by SpaceCommander
Mon Mar 03, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5181

Re: Paying off the mortgage. Kind of.

I might add that your investment in Vanguard funds might actually go down in value. Plus, with the regular withdrawals the account may not recover from a potential bear market. Seems unnecessary to me. If you want to pay off the house, then pay it off. If not, invest in the markets and hope for the ...
by SpaceCommander
Fri Feb 28, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off the mortgage. Kind of.
Replies: 29
Views: 2786

Re: Paying back student loans- Am I being too aggressive???

Frankly, I'd recommend you spend $20.00 and buy Dave Ramsey's book. Good advice there on debt management and reduction. Come back to this forum in a few years completely debt free and with your huge monthly surplus and we can help you with the portfolio. For now, your best investment is likely into ...
by SpaceCommander
Fri Feb 14, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying back student loans- Am I being too aggressive???
Replies: 33
Views: 2765

Re: No Free Lunch from Equal Weight S&P 500

You mean I can squeeze mid cap returns out of my large cap allocation? Hot Dog! Where do I sign??
by SpaceCommander
Fri Feb 07, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: No Free Lunch from Equal Weight S&P 500
Replies: 44
Views: 4707

Re: Seattle as a place to live?

Just moved from Seattle due to work. I would love to go back. Great city. I can see myself going back to retire there. 2nd the Queen Anne recommendation. Or consider a suburb like Bellevue. Very nice.
by SpaceCommander
Sat Jan 25, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6281

Re: Living Off of Dividends Alone

I think it can be done. But the portfolio won't look like the typical recommended boglehead portfolio. Carefully select 20 solid blue chips in varied sectors with steadily growing dividends. You can easily craft a portfolio that throws off around 3-4%. Never sell and hold the shares until you die. T...
by SpaceCommander
Fri Jan 24, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living Off of Dividends Alone
Replies: 28
Views: 2977

Re: POLL: Preferred Withdrawal Method

Need the option for "Withdraw dividends only, selling NEITHER equities nor bonds." Works for me.
by SpaceCommander
Sat Jan 18, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Preferred Withdrawal Method
Replies: 31
Views: 1836

Re: Quicken vs Mint???

My vote is for neither. I prefer YNAB; it has it's limitations, but what it does, it does very well.

www.ynab.com

Merry Christmas to you and yours,
by SpaceCommander
Tue Dec 24, 2013 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken vs Mint???
Replies: 2
Views: 556

Re: VWO: Emrging Markets any better options?

Consider DEM or DGS (the Wisdom Tree alternatives). Low cost, excellent performance, and a different weighting scheme. I expect DEM to outperform VWO over the long term. FWIW...
by SpaceCommander
Sun Dec 22, 2013 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: VWO: Emrging Markets any better options?
Replies: 8
Views: 807

Re: finding international small cap value

Consider DLS. It's WisdomTree's International Small Dividend fund. I think a dividend weighted fund is a roundabout way to get value exposure.
by SpaceCommander
Tue Dec 17, 2013 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: finding international small cap value
Replies: 2
Views: 430

Re: international small cap value

Check Eric Haas' website. Good info there.

http://www.altruistfa.com/dfavanguard.htm
by SpaceCommander
Tue Dec 17, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: international small cap value
Replies: 5
Views: 712

Re: Good book for gift to high school senior?

Just starting out, I think the kid's emphasis shouldn't be on investing yet. It should be on how to rightly manage money and stay out of debt. So my recommendation is Dave Ramsey's Total Money Makeover. Once he learns how to live debt free, then he'll need to learn how to manage his surplus and will...
by SpaceCommander
Tue Dec 17, 2013 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Good book for gift to high school senior?
Replies: 31
Views: 1615

Re: TSP Survey on Self-Directed Mutual Fund Window

I like TSP the way it is. ...For those not interested, the fees & investment options shouldn't change. ... I understand what you’re saying and I hope you are right. As I get older, I have become more skeptical of many of such claims. There really no free lunch. Many things happened at work or a...
by SpaceCommander
Thu Dec 12, 2013 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 2323

Re: TSP Survey on Self-Directed Mutual Fund Window

I think participants should be given a choice instead of having big brother do the deciding for them. For those not interested, the fees & investment options shouldn't change. The rest should be able to decide for themselves how to implement the option.
by SpaceCommander
Wed Dec 11, 2013 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 2323

Re: Which Bond Fund in this Rising Interest Rates environmen

I'm curious, SpaceCommander, do you believe a good active stock manager can also outperform a total market index? If not, why do you think the bond market is different? Thanks all for the considerate feedback on this issue. When I mentioned I prefer active management in this case, I fully expected ...
by SpaceCommander
Mon Dec 09, 2013 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4156

Re: Which Bond Fund in this Rising Interest Rates environmen

Under these circumstances, I prefer active management of my bond funds. Pimco is a quality bond shop. If you must own bonds, I like PONDX (Vanguard NTF). Have you read "Rising Rates: A case for active bond investing?" https://personal.vanguard.com/pdf/icrrab.pdf You are free to invest you...
by SpaceCommander
Sun Dec 08, 2013 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4156

Re: Have 5 years to repay 20k. Where should I put it?

This is what Lending Club and Prosper.com are for! :sharebeer

Just kidding... I agree with the posters above; pay your folks ASAP and don't try to make money off of the float. Stay focused on the big things that matter: family, career, savings rate, etc.
by SpaceCommander
Sat Dec 07, 2013 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have 5 years to repay 20k. Where should I put it?
Replies: 22
Views: 1417

Re: Which Bond Fund in this Rising Interest Rates environmen

Under these circumstances, I prefer active management of my bond funds. Pimco is a quality bond shop. If you must own bonds, I like PONDX (Vanguard NTF). Have you read "Rising Rates: A case for active bond investing?" https://personal.vanguard.com/pdf/icrrab.pdf You are free to invest you...
by SpaceCommander
Sat Dec 07, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4156

Re: Which Bond Fund in this Rising Interest Rates environmen

Under these circumstances, I prefer active management of my bond funds. Pimco is a quality bond shop. If you must own bonds, I like PONDX (Vanguard NTF).
by SpaceCommander
Thu Dec 05, 2013 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in this Rising Interest Rates environment?
Replies: 44
Views: 4156

Re: Pay off student loan with home equity line

I don't like the idea of replacing unsecured debt with a lien on your house. Why put up collateral when you don't have to?
by SpaceCommander
Mon Dec 02, 2013 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan with home equity line
Replies: 14
Views: 1212

Re: Purchasing rental property vs. REITs

Consider all expenses in your analysis. Even if you pay cash, you've got: Taxes, Insurance, Maintenance, Management, Utilities, Vacancy allowance. Plus the time factor. Real estate can certainly get you there, but if you haven't been a real estate investor before, be sure to go into the deal with ey...
by SpaceCommander
Wed Nov 27, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Purchasing rental property vs. REITs
Replies: 17
Views: 1344

Re: Are you an Iphone or Android guy?

Windows phone. Android tablet (Galaxy Note 10.1 2014)
I'm like the Windows interface for the phone. The Galaxy Note is the best tablet in existence hands down (IMHO).
Works for me.
by SpaceCommander
Sat Nov 23, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6602

Re: Early Mortgage Payoff: any gocthas to watch out for?

Of course you're going to want that documentation from your lender indicating your obligation is fully satisfied. In addition, your lender should then file the mortgage release with your County Recorder's office. They should have several weeks to get that done. Personally, I wanted that release in m...
by SpaceCommander
Fri Nov 22, 2013 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early Mortgage Payoff: any gocthas to watch out for?
Replies: 21
Views: 1832

Re: How to Locate an Advisor Who Doesn't Work for Commissons

Try NAPFA. http://www.napfa.org From their website: The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Si...
by SpaceCommander
Thu Nov 21, 2013 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Locate an Advisor Who Doesn't Work for Commissons?
Replies: 17
Views: 839

Re: Lease or buy a car?

No, buying is not always better than leasing. They are just two different ways of financing the purchase. Either one could be a great deal or a bad deal. Leasing is almost always a new car, so its more expensive in the sense that you are paying for the new car depreciation. More expensive does not ...
by SpaceCommander
Thu Nov 21, 2013 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lease or buy a car?
Replies: 33
Views: 2963

Re: Lease or buy a car?

No, buying is not always better than leasing. They are just two different ways of financing the purchase. Either one could be a great deal or a bad deal. Leasing is almost always a new car, so its more expensive in the sense that you are paying for the new car depreciation. More expensive does not ...
by SpaceCommander
Wed Nov 20, 2013 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lease or buy a car?
Replies: 33
Views: 2963

Re: Lease or buy a car?

A car is a consumption item. Decide the same way you decide other consumption items. There's the cheapest, the best, and then there's somewhere in between. Cheapest is usually to pay cash for used and drive it til it quits. But not everyone wants to live like that. Just like your food bill: cheapest...
by SpaceCommander
Tue Nov 19, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lease or buy a car?
Replies: 33
Views: 2963

Re: Any one use Truecar.com?

Try www.fightingchance.com
IMHO, it's better than Truecar.
by SpaceCommander
Mon Nov 18, 2013 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Any one use Truecar.com?
Replies: 19
Views: 2121

Re: Advice: Should I invest when Stocks are at all time high

If you don't want to invest the lump sum now, then go ahead and dollar-cost-average it into your position. It's likely that legging into the market will cost you somewhat, but you never know: it could save you if the market crashes soon. I don't know about you, but my crystal ball is kind of cloudy ...
by SpaceCommander
Mon Nov 18, 2013 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice: Should I invest when Stocks are at all time high
Replies: 30
Views: 2890

Re: Any Good Income Tracking Spreadsheets?

Try YNAB. It's great at tracking income and expenses.

www.ynab.com
by SpaceCommander
Sun Nov 17, 2013 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Good Income Tracking Spreadsheets?
Replies: 9
Views: 989

Re: bigger SUVs that carry 7

How often do you really need to haul 7 adults? I had a similar problem a while back. My solution was a little unorthodox. I went this way because I really didn't like the options you mentioned. Usually the 3rd row gets really cramped for adults in these SUVs. So I went with a F150 Supercrew. I can s...
by SpaceCommander
Thu Nov 14, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 2863

Re: Best "Indirect Financial advice" you ever received?

Years ago I struck up a conversation with an old man after church one Sunday. I was about 19 or 20 years old at the time, and he said something that really struck a chord with me: "The most expensive financial mistake in your life, besides getting a divorce, is to remain ignorant about how mone...
by SpaceCommander
Wed Nov 13, 2013 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 3392

Re: 100 Percent Equity Asset Allocation

I have long cautioned against the 100/0 allocation. (here's a gem from Jan '08): http://www.bogleheads.org/forum/viewtopic.php?f=10&t=11735 Recently, I've become more nuanced. Bogle is persuasive to me; so I'm now inclined to consider more carefully fixed income from all sources like my military...
by SpaceCommander
Wed Nov 13, 2013 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100 Percent Equity Asset Allocation
Replies: 36
Views: 4237

Re: Puzzlingly HIGH Yields

There's no way yields at that level can represent any degree of safety. Most likely a value trap.
by SpaceCommander
Sat Nov 09, 2013 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Puzzlingly HIGH Yields
Replies: 27
Views: 3705

Re: Dividend Paying Stock

I like Kinder Morgan (KMI). It's been beat up since Hedgeye took some shots at it recently. A solid, cash-cow business. At this point, it looks like a good value to me.
by SpaceCommander
Tue Nov 05, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Paying Stock
Replies: 28
Views: 2720

Re: what even Vanguard and Fidelity can't figure out

I disagree with DBR. I had a good chunk in the Distribution fund. I have a complex situation and it met my needs and I was happy with the performance. Since they merged the funds, it doesn't look like it's going to meet my needs anymore. I liquidated it upon the news. While not the most popular set ...
by SpaceCommander
Mon Nov 04, 2013 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: what even Vanguard and Fidelity can't figure out
Replies: 4
Views: 1157

Re: Stock Investing Myths

The issue here is different for bonds than it is for stocks, because the only value a stock has is a market value, and there is no way you can redeem your capital from the stock except to sell it on the market. This is not true. We've already had this discussion, but I'll point it out again: If you...
by SpaceCommander
Sat Nov 02, 2013 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Investing Myths
Replies: 19
Views: 2569

Re: Stock Investing Myths

The issue here is different for bonds than it is for stocks, because the only value a stock has is a market value, and there is no way you can redeem your capital from the stock except to sell it on the market. This is not true. We've already had this discussion, but I'll point it out again: If you...
by SpaceCommander
Fri Nov 01, 2013 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Investing Myths
Replies: 19
Views: 2569

Re: Bogleheads' "Rags to Riches" Stories

I think there is a lot of self-selection here too. After all, a person who took the same risks but ended up broke is unlikely to be posting on this forum. The biggest risk to winding up broke is marriage. However, a good marriage can help you become rich. (I am not talking about marrying someone wh...
by SpaceCommander
Fri Nov 01, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 14137

Re: Buy High Dividend Stocks and Ignore The Noise

My parents were big fans of solid dividend paying companies. They retired about 50 years ago at 62 to give you a reference point. Mutual Funds were almost non-existant. They liked to buy "Utilities" .... electric, gas, phone.. .. and deposit a small pile of checks every quarter. This stra...
by SpaceCommander
Sun Oct 20, 2013 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High Dividend Stocks and Ignore The Noise
Replies: 71
Views: 6022
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