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Re: ITOT vs. VTI

avalpert wrote:
StarbuxInvestor wrote:
avalpert wrote:This is not what the evidence suggests - in fact sectors don't matter as much as size and valuation do.


I would say size, growth rate, market size and valuation which you believe are independent of sector.
by StarbuxInvestor
Sun Oct 26, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: ITOT vs. VTI [iShares Total US Stock ETF vs. Vanguard]
Replies: 14
Views: 849

Re: Fidelity

My money is split between Vanguard and Fidelity. Besides the Wellington Fund, I cannot think of any real advantage Vanguard holds over Fidelity. On the other hand Fidelity has better customer service and a better web site imho. Besides low cost mutual funds Vanguard also offers 70 commission free i...
by StarbuxInvestor
Sun Oct 26, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2581

Does a Small Cap Bias = Domestic Economy Bias?

Is a small cap bias just a domestic economy bias?
by StarbuxInvestor
Sun Oct 26, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Does a Small Cap Bias = Domestic Economy Bias?
Replies: 1
Views: 374

Re: ITOT vs. VTI

I can't give you an exact number but I would say it is very likely the additional 8% of the market covered by VTI makes up somewhere between 1%-3% of the fund. Huh? It should make up about 8% of the fund on a market cap basis - since that is what the 'additional 8%' is a measure of. I don't think t...
by StarbuxInvestor
Sun Oct 26, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: ITOT vs. VTI [iShares Total US Stock ETF vs. Vanguard]
Replies: 14
Views: 849

Re: ITOT vs. VTI

I would expect a "total market" fund to own thousands of stocks, not just 1500. ITOT covers about 90% of the US market; VTI covers about 98%. I differ there because my understanding is all index funds try to emulate not replicate their index and I really don't believe there is a differenc...
by StarbuxInvestor
Sun Oct 26, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: ITOT vs. VTI [iShares Total US Stock ETF vs. Vanguard]
Replies: 14
Views: 849

Re: New Pool...equipment advice

So far to me owning a pool is like owning a boat.
by StarbuxInvestor
Sun Oct 26, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: New Pool...equipment advice
Replies: 9
Views: 774

Re: Fidelity

all advice duly noted, and thank you. my experience with fidelity is yes, great customer service, but poor in substance. they forgot to do the very first MRD after my husband retired. while we were able to avert the penalty, it was still unnerving to find out we missed it. i find the vanguard web s...
by StarbuxInvestor
Sun Oct 26, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2581

Re: ITOT vs. VTI

I would expect a "total market" fund to own thousands of stocks, not just 1500. ITOT covers about 90% of the US market; VTI covers about 98%. I differ there because my understanding is all index funds try to emulate not replicate their index and I really don't believe there is a differenc...
by StarbuxInvestor
Sun Oct 26, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: ITOT vs. VTI [iShares Total US Stock ETF vs. Vanguard]
Replies: 14
Views: 849

ITOT vs. VTI [iShares Total US Stock ETF vs. Vanguard]

Is there really any meaningful difference between ITOT (iShares Core S&P Total US Stock Mkt ETF) and VTI (Vanguard Total Stock Market ETF). I know they have slightly different compositions and ER but is it enough to actually matter?
by StarbuxInvestor
Sun Oct 26, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: ITOT vs. VTI [iShares Total US Stock ETF vs. Vanguard]
Replies: 14
Views: 849

Re: So you think you're a Risk-taker?

Hopefully I would never consider myself a risk taker even if I take risks because that would show a willfully disregard for my safety or an ego driven desire to be viewed in a certain light. I prefer to keep investment decisions rooted in logic and rational thought.
by StarbuxInvestor
Sun Oct 26, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 3772

Re: Social Security 2033 and beyond

The Wizard wrote:Yes, SS will still be there in 2033. It will be helping to fund my expansive travel budget at that point. :D


I would expect for many here the effect to be more on retirment date than actual lifestyle. Perhaps working a couple extra years to put in some more cushion.
by StarbuxInvestor
Sun Oct 26, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1255

Re: Social Security 2033 and beyond

I don't see means testing because it is an insurance program and the people who would be eliminated are the ones who paid the most. Besides the benefits are already heavily slanted to the first dollars earned Your belief assumes that what happens is governed by logic and fairness. Unfortunately the...
by StarbuxInvestor
Sun Oct 26, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1255

Re: Social Security 2033 and beyond

I don't count on Social Security for a significant fraction of my income. I expect some modest reductions in benefits and means-testing eventually. I don't see means testing because it is an insurance program and the people who would be eliminated are the ones who paid the most. Besides the benefit...
by StarbuxInvestor
Sun Oct 26, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1255

Social Security 2033 and beyond

How are you accounting for the possible cut in SS benefits in 2033 and beyond? Are you assuming it will get fixed or are you taking any active steps in your planning? About Social Security's future... Social Security is a compact between generations. Since 1935, America has kept the promise of secur...
by StarbuxInvestor
Sun Oct 26, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1255

Re: A fund "adviser's" financial strength: important?

In an extreme case I would assume 2 things. Like hedge funds they sell their most liquid assets first and second mark to market prices would be low.
by StarbuxInvestor
Sat Oct 25, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: A fund "adviser's" financial strength: important?
Replies: 6
Views: 738

Re: Prediction: Rise of Concentrated Funds

Toons wrote:Concentrated similar to Janus Twenty:

https://ww3.janus.com/Janus/Retail/Fund ... e?fundID=2


That would be a prime example, Oakmark Select will be another.

http://www.oakmark.com/Our-Funds/Overview/Select.htm
by StarbuxInvestor
Sat Oct 25, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Prediction: Rise of Concentrated Funds
Replies: 20
Views: 1746

Re: Prediction: Rise of Concentrated Funds

I am not saying you should buy one or it is a good thing but I think within 5 years we will see a rise and return of the concentrated actively managed fund holding 20-30 stocks. Some will have great results other very mediocre. But those with great results will draw people until they become too lar...
by StarbuxInvestor
Sat Oct 25, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Prediction: Rise of Concentrated Funds
Replies: 20
Views: 1746

Re: Bogle and dry powder

... or an investor's ability to absorb short and medium term losses. That's the heart of the matter. When there is more time to recover from a loss, the bigger the loss can safely be, remembering that "safely" is still a matter of probabilities. My point was that making AA decisions based...
by StarbuxInvestor
Sat Oct 25, 2014 11:12 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Should I Sue?

I will follow up on this because bogleheads may be either landlords or tenants. Obligations to comply with codes are continuous and do not depend on inspections. California law is typical Conditions that make a rental unit legally uninhabitable There are many kinds of defects that could make a rent...
by StarbuxInvestor
Sat Oct 25, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3224

Re: Bogle and dry powder

About stocks having a higher expected return than bonds (or cash, for that matter): Stocks also have a higher potential downside. Investors usually want to pay the price of lower expected returns in order to protect their downside. My point its, a dry powder position is not just an emotional crutch...
by StarbuxInvestor
Sat Oct 25, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Fidelity

definitely a nicer web site I used to agree with you on this point. However, Fidelity is rolling out a completely redesigned website - it is a total cluttered mess. I think they must have hired Yahoo's webdesigners. I worked for years for a megecorp doing websites and Vanguard's is frankly embarras...
by StarbuxInvestor
Sat Oct 25, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2581

Re: Should I Sue?

I would not sue just for moral reasons and its really not that much money for the hassle and use of emotional energy.. I mean you're basically suing them because it rained. Did you ever check the garage to see if it was a suitable place to store a couch? Grading away from structures is normally a b...
by StarbuxInvestor
Sat Oct 25, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3224

Re: Any downside to a Fidelity i401k?

Prior to retirement I had a solo 401k with Fidelity. I used Vanguard ETFs mostly. This meant that some money would be in cash or in a Fidelity fund. I prefer Vanguard, but fifteen years ago Vanguard required third party involvement to set up the solo 401k. As of a few months ago there was no Roth 4...
by StarbuxInvestor
Sat Oct 25, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 22
Views: 1712

Re: Prediction: Rise of Concentrated Funds

I would be more interested in hearing your reasons for this prediction than in the prediction itself. The gospel of indexing is spreading and spreading very rapidly. Most mutual funds are closet indexes whether they know it or not and will always under perform because of their expenses and fund flo...
by StarbuxInvestor
Fri Oct 24, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Prediction: Rise of Concentrated Funds
Replies: 20
Views: 1746

Re: Time For Me to Kick Wellington Through The Goalpost of L

Someone set me straight because from what I have seen/read it is expenses not actively managed that is the true predictor on funds. It just so happens actively managed usually means high expenses. Considering the number of stocks Wellington holds I doubt there is much deviation in its stocks perform...
by StarbuxInvestor
Fri Oct 24, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4761

Re: "Jack Bogle on Warren Buffett, Bill Gross and How to Inv

Hot off the press: "Warren Buffett has become Vanguard's best salesman, Bogle said. Buffett, of Berkshire Hathaway (BRK.A) , (BRK.B) recently announced that his wife will inherit money to be allocated 90% to the Vanguard 500 Index Fund (VFINX) (VFIAX) (VOO). After the announcement, searches on...
by StarbuxInvestor
Fri Oct 24, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: "Jack Bogle on Warren Buffett, Bill Gross and How to Invest"
Replies: 17
Views: 2903

Re: Fund Sizes

Buffet, Cramer and lots of other individual stock investors almost always say if you don't have the time or ability to evaluate individual issues then invest in a low cost S&P 500 fund. Note not total market. Vanguard's Total Stock Market Index Fund (VTSMX) is $355.4 Billion; the S&P 500 In...
by StarbuxInvestor
Fri Oct 24, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: "Jack Bogle on Warren Buffett, Bill Gross and How to Invest"
Replies: 17
Views: 2903

Re: How often do you change your car's oil?

pennstater2005 wrote:Every 5,000 miles. Give or take.


Same and the dealer washes the car while its there.
by StarbuxInvestor
Fri Oct 24, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6091

Re: IS this car lease too good to be true?

Just curious if it is an actual lease or a balloon note?
by StarbuxInvestor
Fri Oct 24, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: IS this car lease too good to be true?
Replies: 13
Views: 1832

Prediction: Rise of Concentrated Funds

I am not saying you should buy one or it is a good thing but I think within 5 years we will see a rise and return of the concentrated actively managed fund holding 20-30 stocks. Some will have great results other very mediocre. But those with great results will draw people until they become too larg...
by StarbuxInvestor
Fri Oct 24, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Prediction: Rise of Concentrated Funds
Replies: 20
Views: 1746

Re: "Jack Bogle on Warren Buffett, Bill Gross and How to Inv

Hot off the press: "Warren Buffett has become Vanguard's best salesman, Bogle said. Buffett, of Berkshire Hathaway (BRK.A) , (BRK.B) recently announced that his wife will inherit money to be allocated 90% to the Vanguard 500 Index Fund (VFINX) (VFIAX) (VOO). After the announcement, searches on...
by StarbuxInvestor
Fri Oct 24, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: "Jack Bogle on Warren Buffett, Bill Gross and How to Invest"
Replies: 17
Views: 2903

Re: Should I Sue?

I would not sue just for moral reasons and its really not that much money for the hassle and use of emotional energy.. I mean you're basically suing them because it rained. Did you ever check the garage to see if it was a suitable place to store a couch? Grading away from structures is normally a b...
by StarbuxInvestor
Fri Oct 24, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3224

Re: Do you regret buying your home?

After 15 years love our house. When building it we put in every upgrade we wanted and made a few modifications to the plans. If I had to nit-pick I am sure I could find a couple things I would change but overall it has been an extremely positve experience. No complaints.
by StarbuxInvestor
Fri Oct 24, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6767

Re: Time For Me to Kick Wellington Through The Goalpost of L

Wellington is the main reason I have a Vanguard account. But then again I am not a big fan of Target Retirement Funds of any flavor.
by StarbuxInvestor
Fri Oct 24, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 43
Views: 4761

Re: Yes, 100% of economists were dead wrong about yields

Personally still waiting for the finish of the taper to see what happens but I use the recent dive under 2.2% to liquidate my Total Bond Fund holdings. Feel free to call me out in 6 months if it proves to be a bad move. Still have some inflation protected and international bond holdings.
by StarbuxInvestor
Thu Oct 23, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: 100% of [surveyed] economists were dead wrong about yields
Replies: 33
Views: 3943

Re: Fidelity

My money is split between Vanguard and Fidelity. Besides the Wellington Fund, I cannot think of any real advantage Vanguard holds over Fidelity. On the other hand Fidelity has better customer service and a better web site imho. Besides low cost mutual funds Fidelity also offers 70 commission free iS...
by StarbuxInvestor
Thu Oct 23, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2581

Re: iPad Air 2 - 16 or 64 Gig?

A 64 gb Space Grey WiFi only just landed at my house.
by StarbuxInvestor
Thu Oct 23, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 24
Views: 1757

Re: Bogle and dry powder

Is he saying they are a good investment or just a psychological device to help you keep your emotions in check during the tough times? Personally I can't tell if it is one or the other or both or neither. Any thoughts about the actual meaning of Mr. Bogle "dry powder" comments and his fee...
by StarbuxInvestor
Thu Oct 23, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Bogle and dry powder

http://mb.clarkhoward.com/showthread.php?23745-Double-taxation-on-401k-loans-is-a-myth!&highlight=401+loan+double+taxed I agree with others that “anchor to windward” refers to stabilizing your ship in a storm and perhaps keeping it from running aground. That’s good advice for investing in the s...
by StarbuxInvestor
Thu Oct 23, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: US Chip & Signature --> Chip & PIN 2020

iPhone users also tend to be the most affluent of all, with an average household income of $105,200, with Android trailing on that count with average income of $89,300. That’s a key metric for developers and brands looking to recoup the investment associated with creating software, since it stands ...
by StarbuxInvestor
Thu Oct 23, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1317

Re: US Chip & Signature --> Chip & PIN 2020

I wonder how true that is, I know plenty of low-income people that use Apple products. With the number of iPhones Apple churns, their business wouldn't be sustainable if only higher-income customers could afford them. I will agree that iPhones are priced higher than the competition, but the real ex...
by StarbuxInvestor
Thu Oct 23, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1317

Re: Why include International Index in AA?

Periods of underperform in solid ecomonies means buying shares cheaper then profiting from overperformance. So I take it you have been over-weighting International for some time now then? You and I must have different views of the European economy and demographics but for a while I did overweight I...
by StarbuxInvestor
Thu Oct 23, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2767

Re: Bogle and dry powder

His post is not about using dry powder for INVESTMENT but for CONSUMPTION . He is describing an emergency fund that keeps you from worrying in the short run about your market position. The anchor to windward comment is interesting. the point of a SEA ANCHOR is to keep you pointed to windward. It ke...
by StarbuxInvestor
Thu Oct 23, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Bogle and dry powder

livesoft wrote:So is "Wet Powder" something like Total US Bond Index fund shares?


Perhaps your house if it is underwater.
by StarbuxInvestor
Thu Oct 23, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Bogle and dry powder

tphp99 wrote:I didn't know Dr. Bogle coined the term dry powder. To me, the term meant keeping a cash reserve to invest when you see an opportunity. But that's market timing, no?


I don't believe he did. And my understanding of the meaning of "dry powder" has always been the same as yours.
by StarbuxInvestor
Thu Oct 23, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: Bogle and dry powder

I have seen Mr. Bogle's dry powder quotes a lot and his use of the term dry powder is a bit different than what I have heard from others. Having said that and looking at his quote below it makes me wonder what is he intending to say about bonds as an investment. Is he saying they are a good investm...
by StarbuxInvestor
Thu Oct 23, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Bogle and dry powder

I have seen Mr. Bogle's dry powder quotes a lot and his use of the term dry powder is a bit different than what I have heard from others. Having said that and looking at his quote below it makes me wonder what is he intending to say about bonds as an investment. Is he saying they are a good investme...
by StarbuxInvestor
Thu Oct 23, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Bogle and dry powder
Replies: 29
Views: 4940

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me. Here is one case where Apple may prove to have more marketing clout than Google in a very important way. Google Wallet which has been around for 3 years uses the single use number concept over NFC just as Apple Pay does. For one reason or...
by StarbuxInvestor
Thu Oct 23, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1317

Re: Why include International Index in AA?

Aren't you just proving the point of why you should hold both - unless you know which one is going to perform better for the next decade... Indeed, sorry if I wasn't clear, but yes: my conclusion is that I should hold both (in my case I'm 50% US and 50% ex-US on the stock side). For all I know the ...
by StarbuxInvestor
Thu Oct 23, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2767

Re: Any downside to a Fidelity i401k?

Fido offers the Spartan index funds which are very similar to the basic Vanguard funds we usually discuss. There is some difference in the Global except US (no small caps) but that fund is certainly adequate if you are at Fido. There is a cheaper class of these funds similar to the Admiral funds, b...
by StarbuxInvestor
Thu Oct 23, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Any downside to a Fidelity i401k?
Replies: 22
Views: 1712
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