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Re: Slice and dice and tilting the market

Some background: the reasons of this thread is that over the past 6 months, my portfolio reached a threshold were my IPS authorizes to tilt, if appropriate. I have been a 3 fund portfolio holder so far. A few months ago, I posted a few threads on SCV tilting as I was weighing in that option, and tha...
by Streptococcus
Mon Jun 23, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and dice and tilting the market
Replies: 14
Views: 1069

Re: Slice and dice and tilting the market

David Swensen recommends a tilt on the domestic side to REITs, not SCV, and his last recommendation was to split international 60/40 developed/emerging. So that's a slice&dice/tilt that doesn't directly incorporate FF factors. Your portfolio looks like a somewhat simplified version of the Arons...
by Streptococcus
Mon Jun 23, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and dice and tilting the market
Replies: 14
Views: 1069

Re: Slice and dice and tilting the market

So you mean tilt to small caps, but not to value? Or tilt to emerging markets which are typically large-caps? It seems like everyone tilts to US markets. My 401(k) plan has an S&P500 index fund and the extended market (mid/small cap) index fund. I use them, but not at market weights. Neverthele...
by Streptococcus
Mon Jun 23, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and dice and tilting the market
Replies: 14
Views: 1069

Slice and dice and tilting the market

When it comes to slice and dice and tilting, the debate is almost always about SCV. Anyone in this forum S&D and tilts the market? Anyone here who is not only about fama and french? I'm talking about deciding to shy away from the simplicy of the 3 fund portfolio and S&D us stocks as sp500 + ...
by Streptococcus
Mon Jun 23, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and dice and tilting the market
Replies: 14
Views: 1069

Re: Bond Allocation Review: No Total Bond

Once upon a time, some people were discussing how to make lemonade. Everyone agreed that lemon juice by itself, even if sweetened, was not to the taste of most people. True, a few of them insisted that they had no problem tolerating straight lemon juice, and some even claimed to like drinking conce...
by Streptococcus
Fri May 09, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Review: No Total Bond
Replies: 9
Views: 1806

Re: Anyone know the new I-Bond Rate ?

Better stick with a 5 year barclay cd at 2.25%
by Streptococcus
Thu May 01, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1612

Re: comparing long term returns: 3 funds vs SCV portfolio

freddie wrote:Personally I think a lot of people do it just to have the fun of doing something with their investments. It is fun to look at all those portfolios with various reits/small caps/em splits and realize they all end up with in fractions of each other.


+1
by Streptococcus
Thu Apr 24, 2014 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: comparing long term returns: 3 funds vs SCV portfolio
Replies: 18
Views: 4322

Re: comparing long term returns: 3 funds vs SCV portfolio

But the point of small allocations not mattering stands. Adding 5% of something might make you feel better when there is great performance going on, but you allocation just isn't high enough to affect returns much. +1 Garbage in, Garbage out. Bump that small cap premium to the historical 2-3% and y...
by Streptococcus
Thu Apr 24, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: comparing long term returns: 3 funds vs SCV portfolio
Replies: 18
Views: 4322

Re: comparing long term returns: 3 funds vs SCV portfolio

:oops: now you know that math is not my forte. :) The following question then ensues: if the estimated long term return of a tilted portfolio is not that much higher than the return of the 3 fund portfolio (less than 1%), what would be the purpose of a more complex approach? I understand that other ...
by Streptococcus
Thu Apr 24, 2014 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: comparing long term returns: 3 funds vs SCV portfolio
Replies: 18
Views: 4322

comparing long term returns: 3 funds vs SCV portfolio

Hello bogleheads, Let's play at estimating the long term returns of 3 portfolio, using Rick Ferri's recent 30 year market forecast: 1.The 3 fund portfolio 2. A portfolio with a small SCV tilt 3. Trev H portfolio 3 Fund portfolio - estimation long term real return 1. US large cap stock - 5% 2. Intern...
by Streptococcus
Thu Apr 24, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: comparing long term returns: 3 funds vs SCV portfolio
Replies: 18
Views: 4322

Re: Stocks: How Bad It Can Get

Stocks: How Bad It Can Get? asset_chaos: This is a post I wrote on November 15, 2008, near the bottom of a bad bear market when most stock funds had already lost over 50%. Our family owned "Larimore's Diner" in Foxboro, Mass. in 1929. I was 5 years old and remember. When the depression hi...
by Streptococcus
Tue Apr 15, 2014 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 6017

Re: The case against small cap value

Finally, considering all options, I decided to switch from my 3 fund lazy portfolio to a tilted one: AA 75/25 1. Total stock market 2. Small cap value (VBR, IJS, VIOV) 3. Total international 4. VSS Ultimately, I agree with Larry's idea of a portfolio with high quality bonds and small cap value. I al...
by Streptococcus
Wed Apr 09, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 6735

Re: The case against small cap value

A couple of thoughts, offered in part as a check on my own thinking. 1) When tilting to small cap value, one is making a choice to tilt towards a riskier asset class, with risk here defined as greater volatility. M* shows the 10 year SD for VBR to be 19.6 and the beta 1.27, but "only" 15....
by Streptococcus
Thu Apr 03, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 6735

Re: The case against small cap value

Here's the Morningstar chart of all three of the oldest share classes of Vanguard Small Cap Value, Growth, and Blend (note: they are using their third index since inception: S&P, MSCI, CRSP). Since 1998, all three had their day in the sun, but value slightly beats growth. http://quote.morningst...
by Streptococcus
Thu Apr 03, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 6735

The case against small cap value

A few months ago, I reached the point in my investing life where my IPS authorizes me to tilt. I started out as a lazy portfolio investor. I was initially planning to tilt towards small cap value but I have been seriously rethinking the strategy, after research, partly thanks to this awesome forum. ...
by Streptococcus
Wed Apr 02, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 53
Views: 6735

Re: Is a 457 plan in addition to 403b a good option?

I'm currently at the 33% rate so if I invest 1000 $ in a taxable it will be 1333$ pretax (i simplified the thing). Let say i decide to put the 1333$ pretax in a 457 plan and then i get the distribution when i'm at the 25% rate ( I could even be 15% after deductions). Wouldn't that be better? I dont...
by Streptococcus
Mon Mar 31, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457 plan in addition to 403b a good option?
Replies: 12
Views: 582

Re: Is a 457 plan in addition to 403b a good option?

if you leave the non-gov 457 employer, and are forced to take distributions, are they taxed as ordinary income? Just because you leave a non-gov 457 employer, you shouldn't be forced to take distribution. You normally have 60 or 90 days to declare the type (lump, fixed-period annuity, etc) and date...
by Streptococcus
Mon Mar 31, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457 plan in addition to 403b a good option?
Replies: 12
Views: 582

Re: Is a 457 plan in addition to 403b a good option?

Hi, is this a government or non-government 457(b) plan? Based on you writing that you have to make more than a certain amount, it sounds like you're at a tax-exempt non-government organization. See: http://www.bogleheads.org/wiki/457-b for some guidance. I'm not an expert on this, but a lot of peop...
by Streptococcus
Mon Mar 31, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457 plan in addition to 403b a good option?
Replies: 12
Views: 582

Is a 457 plan in addition to 403b a good option?

Hello Bogleheads, I just found out that my job offers a 457 plan in addition to our 403b. I can pretty much invest an additionl 17.5K tax deferred (for a total of 35k per annum if I add the 17.5k of the 403b). This 457plan is with fidelity and there is a great choice of index funds (total markets, t...
by Streptococcus
Mon Mar 31, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457 plan in addition to 403b a good option?
Replies: 12
Views: 582

Re: Children: Are they worth every penny?

If your husband and you really want to have more kids, go for it. There are big cons, however: 1. It is more expensive than when you were a child. 2. Your husband is 53. If you have 1-3 kids over the next 5-7 years, he will have teenagers in his 70s. Is that what you guys whant? 3. Investment wise, ...
by Streptococcus
Thu Mar 20, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 5134

Re: Tilters: how much would you pay for a tilt?

I am not willing to pay more than 0.25% in ER.
My tilt:
VBR 0.1%
VSS 0.2%
Vemax 0.15%

My total funds are cheaper :)
by Streptococcus
Thu Mar 20, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Tilters: how much would you pay for a tilt?
Replies: 21
Views: 2227

Re: Confession: I bought a stock. What is wrong with me?

Don't be too hard on yourself. You don't have to be 100% boglehead. Wait! You said the individual stock represent 0.3% of your portfolio? Well, if your portfolio is 99.7% boglehead you will still do great. You will even if it is 95% boglehead. I don't invest in individual stocks not only because I d...
by Streptococcus
Sun Mar 16, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 5775

Re: Old, large account - move it to index and take big tax h

An expensive and active fund grew more than 6 times in 25 years!!!! Wow!!!! I have not done the math here but that seems pretty impressive, considering that it is not even 100% stocks. If I had a similar return with my portfolio I would be winning the game in much less than the 20 years that i curre...
by Streptococcus
Fri Mar 14, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old, large account - move it to index and take big tax hit?
Replies: 40
Views: 2780

Re: What's a reasonable composite expense ratio?

Mine is 0.14. My IPS prohibits me to invest in anything with an ER above 0.3.
by Streptococcus
Fri Mar 14, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3343

Re: Backdoor Roth - why does it make me feel dirty?

A colleague of mine too felt dirty when she learned about the backdoor roth; she held off for a whole year before considering it, then she made up her mind and went for it. It is not a straight forward process, which makes it questionable but it is perfectly legal, the IRS is aware of it and if they...
by Streptococcus
Thu Mar 13, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Backdoor Roth - why does it make me feel dirty?
Replies: 23
Views: 2449

Re: Turning 65... Now What?

I would vote for option 2, decrease equities to 30%. The rational behind it being that the stock market has gone through a wild ride and it is possible to see a correction at some point. Sell high, stay safe and eventually, if the market drops and you feel like taking advantage of cheap stocks, then...
by Streptococcus
Thu Mar 13, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 65... Now What?
Replies: 4
Views: 1054

Re: How many Bogleheads are Wishy Washy?

You raise a great question. It's not easy to stay the course, because the course is long, even too long, decades. Index investing is boring. And when boredom occurs, you itch for something: action; risk; something thrilling. Hence, you may be tempted to tilt or buy individual stocks. You should find...
by Streptococcus
Wed Mar 12, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 4682

Re: William Bernstein-When you've won the game, why keep pla

livesoft wrote: I don't think I can have bonds higher because I like the returns of equities too much.


I love that statement. It cracked me up :D
by Streptococcus
Mon Mar 10, 2014 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 264
Views: 33515

Re: Retirees: About your retirement

By the time I had 30 years in the Feds it was really time to go. I was angry. I am now approaching the end of my work in my retirement job. I am an administrator at a major research university. The people are nice, and I have lots and lots of responsibilities and authority. Much different as to the...
by Streptococcus
Sun Mar 09, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 6131

Re: How Many Funds Do You Have in Taxable?

I voted 2 (total stock and total international) but I plan to start slicing and dicing next month as per my IPS. I will then have 5 funds in taxable, adding VEIEX, VSS and VBR.
by Streptococcus
Sat Mar 08, 2014 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5497

Re: Risky investment with a "guaranteed" principal return

I think some of you are probably a bit more conservative than I: I'm young, stable job, and my investment represents 7% of my portfolio (the bigger risk comes to my family member). Even at a mere 10% profit, average returns on a $2 million dollar operation of this type of restaurant would ridiculou...
by Streptococcus
Sun Mar 02, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3858

Re: Risky investment with a "guaranteed" principal return

It's a terrible idea. Remember what Warren Buffer said about the rules of investing: First rule, do not lose money; second rule, remember rule number one. If you get into this business, you are not investing, you are gambling. ANd gamblers most often lose. A few points: 1. If you invest 100% of the ...
by Streptococcus
Sat Mar 01, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky investment with a "guaranteed" principal return
Replies: 55
Views: 3858

Re: Backdoor roth IRA [mess up]

do you have a sep-ira as well? maybe this is what happened: http://www.nerdwallet.com/blog/investing/2013/sep-ira-traditional-contribution-limits/ Negative! I have a 403b and a taxable account. My employer is contributing to a retirement fund that will be 50% mine after 5 years and 100% after 7 yea...
by Streptococcus
Wed Feb 26, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor roth IRA [mess up]
Replies: 14
Views: 895

Re: Backdoor roth IRA screw up

I'm pretty positive that she does not know what a form 8606 is, which is amazing because she works for a well known firm where I live. I've been changing CPA for the past 3 years. The first 2 because they also wanted to take care of my investments (actively managed funds). Now this last one is just...
by Streptococcus
Tue Feb 25, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor roth IRA [mess up]
Replies: 14
Views: 895

Re: Backdoor roth IRA screw up

I think she entered the 1099-R for the Roth conversion but forgot to enter the contribution to Traditional IRA. Did you tell her that you made a TIRA contribution for 2013 in your tax interview ? If she enters the Traditional IRA contribution, her tax software will determine that it was non-deducti...
by Streptococcus
Tue Feb 25, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor roth IRA [mess up]
Replies: 14
Views: 895

Re: Backdoor IRA screw up

I think she entered the 1099-R for the Roth conversion but forgot to enter the contribution to Traditional IRA. Did you tell her that you made a TIRA contribution for 2013 in your tax interview ? If she enters the Traditional IRA contribution, her tax software will determine that it was non-deducti...
by Streptococcus
Tue Feb 25, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor roth IRA [mess up]
Replies: 14
Views: 895

Backdoor roth IRA [mess up]

So I recently paid a visit to my new CPA to do my taxes. She calls me today and informs me that I need to pay over 2000 in taxes. After inquiry, because I always pay the just about right amount of taxes during the year so that I neither get refund nor tax hit upon filling my taxes, she informs me th...
by Streptococcus
Tue Feb 25, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor roth IRA [mess up]
Replies: 14
Views: 895

Re: When did/do you want stocks to start rising?

As an accumulating investor, I don't look at the ups and downs of the market. I did not know I would behave like this when I started my investing journey. I basically put several thousands in my 3 fund portfolio every month, with an 80/20 allocation, I glance at the balance and I have no idea if it ...
by Streptococcus
Mon Feb 17, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3450

Re: How to invest $1.4 mil inheritance?

With all due respect, and I would be saying this OP if it were you who inherited the money... Your wife should be asking the question or if you must, it should be asking the question for her... She should keep this in her name only and it should have no association with you. This will shield it fro...
by Streptococcus
Sun Feb 16, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7945

Re: Asset protection strategy

staythecourse wrote BTW, I find it incredibly funny that folks are SO obsessed over the <1% chances of stuff happening in life then they are over the stuff more likely to lead to ruin. For example, chance of divorce leading to financial ruin is MUCH MORE common then getting sued and losing your mon...
by Streptococcus
Sat Feb 15, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

I bought the book Asset protection by Adkisson and Riser. I liked it, but often fell asleep when reading at night…so my information might not be perfectly accurate. But the most compelling argument they make in their book is that you have to implement whatever strategy you want to use before there ...
by Streptococcus
Sat Feb 15, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

I bought the book Asset protection by Adkisson and Riser. I liked it, but often fell asleep when reading at night…so my information might not be perfectly accurate. But the most compelling argument they make in their book is that you have to implement whatever strategy you want to use before there ...
by Streptococcus
Sat Feb 15, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

dhodson wrote:Defensive medicine has risk to it

Many tests are not risk free

Order that unnecessary MRI or ct and the pt loses kidney function or develops a scleroderma like rxn and it will be just as bad.


Agree!
by Streptococcus
Sat Feb 15, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

You pretty much can't protect taxable accounts without giving the money to kids (UTMAs) or someone else (Irrevocable trusts). Buy insurance and hope for the best. If you are more concerned about asset protection than solid investment returns, you may consider cash value life insurance in some state...
by Streptococcus
Fri Feb 14, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

What is your asset protection strategy beyond homeowner, auto, umbrella and malpractice insurance (for physicians)? Don't undertake risky activities - in my neck of the woods, that usually involves such behaviors such as texting while driving, holding a cell phone in your hand and either dialing or...
by Streptococcus
Fri Feb 14, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

The authority on Asset Protection Jay Adkinson (?Spelling) wrote an article on the fact that there is a good argument of not doing ANY extra protection outside of the usual insurance. Something titled 1% or something like that. Jay Adkisson's article, Hot New Do-Nothing Strategy Draws Attention In ...
by Streptococcus
Fri Feb 14, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

If your a physician as your name implies then the best strategy at work is practicing good medicine and documenting well. I just finished being named in a lawsuit. I was dropped after all the depositions were done. In the end, I am suspecting the expert witnesses on the plantiff side saw no good ca...
by Streptococcus
Fri Feb 14, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: Asset protection strategy

How about your taxable accounts? How do you protect them from potential creditors?
by Streptococcus
Fri Feb 14, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Asset protection strategy

What is your asset protection strategy beyond homeowner, auto, umbrella and malpractice insurance (for physicians)?
by Streptococcus
Fri Feb 14, 2014 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset protection strategy
Replies: 50
Views: 3961

Re: What is your tax loss harvest strategy?

Thanks very much for your replies. This is exactly the type of debate I was looking for. The fact is that my total international admiral fund is down a few hundred bucks and I thought I shouldn't bother TLH just for that tiny loss. It then hit me that i do not have a clear TLH strategy. Your inputs ...
by Streptococcus
Mon Feb 03, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your tax loss harvest strategy?
Replies: 13
Views: 1049
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