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How to read currency breakdown of a global bond fund

The global bond fund available in my 401k is TGBAX . It's track record is pretty impressive over the past decade, although I couldn't speak to how they achieved those returns. Morningstar seems to love the fund . This fund appears to be extra active, which I don't particularly like, but their track ...
by Tyr0ne
Wed Apr 09, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to read currency breakdown of a global bond fund
Replies: 2
Views: 373

Re: Muni Bond fund with baffling duration/yield

Tyr0ne: coupon and yield can be very different. Most likely, those are older bonds close to maturity. I never thought about time to maturity. This makes sense. Although, M* states it has an average maturity of 4.26 and an average duration of 3.37. The duration doesn't quite match up with the yield,...
by Tyr0ne
Wed Mar 26, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond fund with baffling duration/yield
Replies: 5
Views: 590

Muni Bond fund with baffling duration/yield

Trying to get a good friend into a Boglehead-style portfolio, and doing some research on his current holdings- The fund in question: Thornburg CA Limited-Term Muni A (LTCAX) Ignoring the fact that its 94 bps/year, the SEC yield is a still just a measly .64%. If you look at the portfolio holdings , h...
by Tyr0ne
Tue Mar 25, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond fund with baffling duration/yield
Replies: 5
Views: 590

Re: What is the best way to invest in California municipal b

If you are worried more about duration than you are about saving on your California taxes, Vanguard also has a Limited-Term Tax-Exempt Fund (duration ~2.4 years). It is noteworthy that current SEC yield is nothing to right home about when compared to a regular old savings at say, Ally Bank, or compa...
by Tyr0ne
Fri Mar 21, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to invest in California municipal bonds
Replies: 7
Views: 594

How to Predict the Next Decade's Bond Returns

Great article in the WSJ today . I am a bit confused though. Does this principle apply differently when applied to individual treasury bonds vs a treasury bond fund? Is seems it would, as the article states: the entry yield on the 10 year Treasury explains 92% of the annualized return an investor w...
by Tyr0ne
Mon Mar 10, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: How to Predict the Next Decade's Bond Returns
Replies: 2
Views: 543

Can whole life ever beat regular [conservative] investing?

I must preface this question by admitting that my gut tells me this may a very dumb question. However, my life insurance knowledge is severely lacking. My parents are both retired and getting to the age where they are sharing their finances with me (my brother and I are both grown adults now). My Da...
by Tyr0ne
Fri Feb 07, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can whole life ever beat regular [conservative] investing?
Replies: 12
Views: 746

Re: Bogleheads 2014 Hedge fund contest

Eat Your PEs

Long
- AMZN (Amazon)
- SNE (Sony)
Short
- BBY (Best Buy)
- YHOO (Yahoo!)
by Tyr0ne
Mon Dec 30, 2013 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 152
Views: 11971

Re: New credit card - use same or different issuer?

All great advice - thank you! I think I will look into one of the Amex cards.
by Tyr0ne
Thu Dec 05, 2013 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: New credit card - use same or different issuer?
Replies: 12
Views: 827

Re: Marijuana index funds

InvestorNewb,
You may want to check out Motif Investing, an interesting start up broker that tries to bundle stocks based on hot trends or industries/corners of the market that people like to speculate about. If they don't have a basket now, I'm sure they will soon.
by Tyr0ne
Thu Dec 05, 2013 2:40 am
 
Forum: Investing - Theory, News & General
Topic: Marijuana index funds
Replies: 29
Views: 4266

New credit card - use same or different issuer?

I am just over the hump of my mid 20's and feeling a little weak with my credit history, although my financial and career situations are fairly strong. I had a college student credit card with Bank of America for about 5 or 6 years and eventually closed it when I left BofA altogether at the end of c...
by Tyr0ne
Thu Dec 05, 2013 2:30 am
 
Forum: Personal Finance (Not Investing)
Topic: New credit card - use same or different issuer?
Replies: 12
Views: 827

Re: JonoJono1: Improve, Revise, Update, Debug Simba's Backte

Hello, I have a problem with the "Portfolio" tab and "Compare_Portfolios" tab disagreeing on returns. If I enter a 100% VTSMX portfolio in each tab I see: Portfolio: nominal: $468,803 CAGR: 9.84 StdDev: 18.18 Compare_Portfolios: nominal: $401,791 CAGR: 9.43 StdDev: 18.18 Time ra...
by Tyr0ne
Wed Nov 20, 2013 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 602
Views: 364430

Re: Anyone else watch these vids?

The world needs more people like Salman Khan. There is also a great TED Talk he did a couple years ago about Khan Academy and the future of education.
by Tyr0ne
Tue Aug 13, 2013 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else watch these vids?
Replies: 4
Views: 438

Re: Are markets really efficient?

it is my understanding that whether or not we assume markets are efficient or not, current market prices and recent price moves don't tell us anything about what the market has in store for the short, mid or long term. Those moves depend on what new information comes to light, which by definition, i...
by Tyr0ne
Tue Aug 13, 2013 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Are markets really efficient?
Replies: 34
Views: 1831

Re: POLL: How much do you like your job?

I love it! I work on the operations side of wealth management, so I'm lucky enough to be able to justify lurking the forum randomly throughout the day
by Tyr0ne
Tue Aug 13, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: POLL: How much do you like your job?
Replies: 41
Views: 3004

Re: Help with selecting/understanding TIPS fund

This Vanguard paper on TIPS helped me understand TIPS a little better and helped me choose what type of TIPS fund I ultimately bought.
by Tyr0ne
Sat Jun 15, 2013 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with selecting/understanding TIPS fund
Replies: 5
Views: 635

Is Capital Loss Harvesting Overvalued?

http://www.kitces.com/blog/archives/509-Is-Capital-Loss-Harvesting-Overvalued.html An interesting article for some of the more beginner investors on this forum (including myself) about tax loss harvesting. The benefits of tax loss harvesting may not be worth the hassle if your investment isn't larg...
by Tyr0ne
Tue May 07, 2013 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is Capital Loss Harvesting Overvalued?
Replies: 2
Views: 306

How do you measure and compare risk?

One of my best friends just went from making no money at all to close to a triple digit salary at a management consulting firm, and I am trying my best to share with him everything I've learned. His understanding of personal finance is very slim, and he has his heart set on putting his investment mo...
by Tyr0ne
Mon Apr 22, 2013 2:07 am
 
Forum: Investing - Theory, News & General
Topic: How do you measure and compare risk?
Replies: 3
Views: 294

Re: Investment advisor/tax advisor hybrid?

Thanks for the responses. It still makes me wonder however, why a large investment bank like Goldman or broker like Fidelity doesn't have their own tax department, merge with one, or simply buy one out. I work at a tax form for high net worth individuals (some ridiculously high) and the margins aren...
by Tyr0ne
Tue Mar 26, 2013 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment advisor/tax advisor/preparer hybrid?
Replies: 7
Views: 578

Investment advisor/tax advisor/preparer hybrid?

This may be a silly question but how come I never hear about advisors (whether private practice, investment banks, brokerage houses, etc.) who act as both investment advisors and tax practitioners? I'm assuming this is against the law, as it would be a surefire way to attract clients, both big and s...
by Tyr0ne
Tue Mar 26, 2013 3:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Investment advisor/tax advisor/preparer hybrid?
Replies: 7
Views: 578

Re: What the forum is missing...

Bogleheads, by contrast, has fantastic moderators, strict principles, and subject matter that attracts a potentially more respectful user base. Many of the stackexchange forums share these bogleheads qualities, yet employ excellent and phenomenally useful ratings mechanisms -- evidence that civiliz...
by Tyr0ne
Tue Mar 12, 2013 9:29 pm
 
Forum: Forum Issues and Administration
Topic: What the forum is missing... [ability to upvote posts]
Replies: 60
Views: 6255

Finding yield spreads and other historical financial data

I am proud/ashamed to admit that other than Rick's and Mike's finance blogs, Bogleheads, Vanguard, and Morningstar, I don't use many other sources for finding data or reading articles (/"noise). I am trying to broaden my horizons. It seems like people on this forum, especially the veterans, are...
by Tyr0ne
Wed Feb 06, 2013 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Finding yield spreads and other historical financial data
Replies: 3
Views: 196

Re: Finally arrived: The Vanguard Total International Bond F

Vanguard got this fund right -- you don't want currency exposure in your bond portfolio under traditional approach to investing. Stocks are growth assets with high expected returns and high relative risk. Adding non-US stocks to a US portfolio provides a diversification benefit (different companies...
by Tyr0ne
Wed Feb 06, 2013 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 21546

Is it possible the size & price factor premiums could grow?

I finally came across Effective Diversification in a Three-Factor World . Highly recommended for anyone who hasn't read it yet (its short too). Let's assume that same [size & price premium] relationship will continue in the future. (Note that since size and price are risk factors, we do not know...
by Tyr0ne
Wed Jan 30, 2013 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is it possible the size & price factor premiums could grow?
Replies: 11
Views: 897

Re: Using REITs in a lazy portfolio

Make sure you understand the tax implications of investing in REITs. The legal structure and payout requirements for REITs are certainly something you should be familiar with before investing in them.

The boglehead wiki has a good section on Tax-Efficient Fund Placement that includes info on REITs
by Tyr0ne
Wed Jan 16, 2013 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using REITs in a lazy portfolio
Replies: 24
Views: 2442

Why don't I hear about currency risk with Int'l equities?

Currency risk seems to be a very significant consideration (and actually somewhat of a deterrent from what I gather) when investing in international bonds. I seem to have caught myself blindly accepting that international equity currency risk doesn't exist because I don't hear/read about it, and bec...
by Tyr0ne
Tue Jan 15, 2013 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't I hear about currency risk with Int'l equities?
Replies: 8
Views: 948

Re: Anybody have any first hand experience with NestWise.com

They look very new, and are offering a free membership until 2014, as they start adding more and more services and website features and presumably continue to build their adviser team. They are part of LPL Financial, which I also know nothing about, but according to this article , "NestWise wil...
by Tyr0ne
Mon Jan 14, 2013 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anybody have any first hand experience with NestWise.com
Replies: 2
Views: 572

Re: 1,812% Gain in the next 219 Days

Here is my question. How many people are going to get suckered into buying this stock or subscribing to this huckster $445 newsletter when he is paid by companies to write glowing recommendations? Unfortunately, probably hundreds if not thousands of people will take the bait. I'm not buyin' it. I'l...
by Tyr0ne
Fri Jan 11, 2013 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: 1,812% Gain in the next 219 Days
Replies: 18
Views: 3110

Re: Bogleheads 2013 Hedgefund Contest

Fund Name: Eat Your PEs

Long:
TJX Companies (TJX)
Take-Two (TTWO)

Short:
Best Buy (BBY)
Barnes & Noble, Inc. (BKS)
by Tyr0ne
Wed Jan 02, 2013 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 13934

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1526.13
by Tyr0ne
Wed Jan 02, 2013 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15408

Why not a larger small cap allocation?

I recently came across this article (note the two charts), and although I completely understand how past performance doesn't predict future returns, the concept of the small cap premium also makes sense to me. My time horizon for retirement is around 45 years. Perhaps I don't understand enough about...
by Tyr0ne
Fri Dec 21, 2012 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why not a larger small cap allocation?
Replies: 21
Views: 1894

Re: Beginning investor with large windfall

Congratulations on your windfall dogpatch09. If you divide your windfall by about 10, our situations are eerily the same. I am just beginning to implement my investment plan now, months after making my first post on this forum about my own windfall. I have come to learn from the vast wisdom and expe...
by Tyr0ne
Tue Dec 18, 2012 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning investor with large windfall
Replies: 25
Views: 2198

Re: Mel's $1000 Challenge - Double Your Donation

$50 in hopes that this site is active for a long, long time! :beer

You're a good man Mel
by Tyr0ne
Wed Nov 07, 2012 7:39 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 15185

Re: 15% bracket - Considering Roth conversion

Thank you for the helpful responses. I do have a sufficient emergency fund with my bank (Ally). Based on the advice, I will cash out of my tech stocks to max my 401k this year, since cash will be a little tight without some stock sales. Once I receive the inheritance, I will put aside $5.5k for 2013...
by Tyr0ne
Mon Oct 22, 2012 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 15% bracket - Considering Roth conversion
Replies: 12
Views: 1253

Re: 15% bracket - Considering Roth conversion

OK, $5k each for 2011 and 2012? but how did you get to $11k?

$1k in growth

Sounds like I will just max out the 401k and call it a day.

Thanks again!
by Tyr0ne
Sat Oct 20, 2012 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: 15% bracket - Considering Roth conversion
Replies: 12
Views: 1253

Re: 15% bracket - Considering Roth conversion

Thank you for your time and response Paul. What is this money invested in, and have you held for more than 12 months? My taxable is invested in tech stocks, with minimal gains/losses, all with long-term treatment at this point. How did you get 11k into a Roth IRA in one year? I funded $10k early thi...
by Tyr0ne
Fri Oct 19, 2012 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 15% bracket - Considering Roth conversion
Replies: 12
Views: 1253

15% bracket - Considering Roth conversion

From Bogleheads wiki on roth conversions: If your current marginal rate is lower than your expected retirement tax rate, you should convert in preference to any investment except a matched contribution to a retirement plan. If the rates are equal, max out your Roth contribution in preference to conv...
by Tyr0ne
Fri Oct 19, 2012 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 15% bracket - Considering Roth conversion
Replies: 12
Views: 1253

Re: Need simple breakdown of TIPS yield & beginners bond boo

Barry Barnitz wrote:Hi tycoryj:

Please not that the index return figures in the table are not yield numbers, but rather total returns (yield plus capital change) returns for each calendar year.

regards,


Thank you for pointing out this blatant point :oops: . That makes much more sense
by Tyr0ne
Wed Oct 17, 2012 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Need simple breakdown of TIPS yield & beginners bond book
Replies: 2
Views: 218

Need simple breakdown of TIPS yield & beginners bond book

I apologize for my very limited understanding on the subject, I searched for TIPS on the forum and pretty much all of the discussions are beyond the scope of my understanding. I've read the TIPS section in the wiki, and most of it makes sense, but it doesn't get very detailed. The historical yields ...
by Tyr0ne
Wed Oct 17, 2012 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Need simple breakdown of TIPS yield & beginners bond book
Replies: 2
Views: 218

Re: Large Inheritance: What's the max I can put into retirem

Thanks for all the great responses so far. I believe I will just be inheriting cash only. The estate held a house for an enormous gain which it recently sold for all cash. The rest of the estate was a large sum of cash in a checking account. It sounds like I should just max out the 401k and Roth, an...
by Tyr0ne
Sun Sep 16, 2012 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance: What's the max I can put into retirement?
Replies: 14
Views: 1436

Large Inheritance: What's the max I can put into retirement?

I am 24, and in the 25% tax bracket. For a couple years I have put the max $5k into a Roth, and around ~$10k both years into my company's 401(k), with no company match. I also just discovered that a Roth 401k is also offered at my company. My main question is about maximum contributions. Do the rule...
by Tyr0ne
Sun Sep 16, 2012 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance: What's the max I can put into retirement?
Replies: 14
Views: 1436

How do target date retirement funds "end?"

This question applies to other mutual funds/ETFs as much as target date retirement funds. It's my understanding that many target date retirement funds are designed to "work" well after the target date, and typically maintain whatever conservative allocation that existed at the target date....
by Tyr0ne
Sat Aug 18, 2012 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: How do target date retirement funds "end?"
Replies: 3
Views: 1146

Re: Side jobs or hobbies that make you money

I have been strongly considering getting into buying and reselling tickets to events, mainly concerts. The margins are ridiculously big and you can buy as many or as few as you want. Doesn't require a whole lot of time except for staying on top of tickets that are likely to sell out in a matter of ...
by Tyr0ne
Sat Aug 04, 2012 2:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Side jobs or hobbies that make you money
Replies: 89
Views: 11796

Re: Side jobs or hobbies that make you money

I have been strongly considering getting into buying and reselling tickets to events, mainly concerts. The margins are ridiculously big and you can buy as many or as few as you want. Doesn't require a whole lot of time except for staying on top of tickets that are likely to sell out in a matter of h...
by Tyr0ne
Fri Aug 03, 2012 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Side jobs or hobbies that make you money
Replies: 89
Views: 11796

Selling beaten down stocks for index funds

During my more naive years (every year prior to about 10 months ago, as I have since read several books on the bogleheads reading list and frequent this forum often), I thought it would be cool to invest in a bunch of video game stocks, as I had read everywhere that the video game industry was growi...
by Tyr0ne
Wed Aug 01, 2012 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling beaten down stocks for index funds
Replies: 6
Views: 1625

Inheritence and CA community property

I am aware that community property is a very state-specific subject (I live in CA), but I was hoping to clear some confusion about the relationship between inheritence and community property. It's my understanding that property earned/bought/owned prior to marriage stays "separate" as long...
by Tyr0ne
Tue Jul 17, 2012 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritence and CA community property
Replies: 4
Views: 519

How do these "lease to own" programs work?

These rental posts are practically taking over craigslist. The prices are always ridiculously low, and there is obviously a catch. What is it? (note: I want no part of this, I am just curious how these scammers make money)
Example: http://sfbay.craigslist.org/eby/apa/3139562457.html
by Tyr0ne
Sat Jul 14, 2012 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do these "lease to own" programs work?
Replies: 6
Views: 693

How do debt relief/cancellation programs work?

I am not actually in any debt, but I have been hearing about these programs on radio commercials every since the economy tanked in 2008, and am really curious as to how they work. Surely the people who operate these programs are making lots of money and aren't just in it to help out your average joe...
by Tyr0ne
Wed Jun 27, 2012 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do debt relief/cancellation programs work?
Replies: 3
Views: 608

Investing a windfall - confused about Vanguard "rules"

I will be receiving somewhere around ~$150k in a few months, and am in the process of creating a plan I can stick to, and I am still a little confused about the "rules" to Vanguard mutual funds, in particular Admiral shares. I am only 24, no debt, no family obligations, 6 months emergency ...
by Tyr0ne
Sat Jun 23, 2012 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall - confused about Vanguard "rules"
Replies: 3
Views: 858
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