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Re: Good active funds to use in 401ks w/o index funds?

You could do much worse than using the Dodge and Cox offerings, rolling your own balanced fund (US, Int & Bond) to your desired risk level OR keeping it simple and using their balanced fund. Either way you are nicely diversified with a mild value tilt at relatively low cost.
by allocator
Mon Nov 03, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Good active funds to use in 401ks w/o index funds?
Replies: 16
Views: 1364

A 3 fund portfolio? Whoda thunk it?!

Via Yahoo Finance:

http://finance.yahoo.com/news/3-excellent-etfs-low-cost-144520554.html?.tsrc=applewf

"3 Excellent ETFs for a Low Cost Diversified Portfolio"
by allocator
Wed Oct 29, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: A 3 fund portfolio? Whoda thunk it?!
Replies: 3
Views: 995

Re: Is tax loss harvesting ever a bad idea?

Clearly, I should have noted that we are in the 39% federal bracket and live in a high-tax state. Nonetheless, thank you all for the VERY helpful and informative responses and discussion.

Very best!
A
by allocator
Wed Sep 24, 2014 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 1039

Is tax loss harvesting ever a bad idea?

Setting aside the harvesting of small or negligible losses, assuming transaction costs are low and there are ready TLH "partners" (e,g., VBR/IJS), is a TLH ever ill-advised?

Thanks!
by allocator
Tue Sep 23, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 1039

Re: investing international, why & how much

Ged Would add that I'd recommend small value, not small, that's where the premium is largest--and that allows you either to get the higher EXPECTED return or lower your equity allocation somewhat, keeping expected returns the same but cutting tail risks Larry Larry, is there a generally available, ...
by allocator
Wed Jun 11, 2014 8:04 am
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4731

Re: This market is a snoozer, do you like it?

EmergDoc wrote:
Johm221122 wrote:It is what it is, I am just hoping my sequence of returns of my investing timeline is good
John


Amen. It's funny how much luck has to do with it all, isn't it?



How about some planning for bad luck?
by allocator
Tue May 27, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 4622

Re: Home purchase, possible asbestos.

An experienced and reliable remediation contour contractor should be able to remove the asbestos safely. You can have a second, independent contractor/inspector come in to check air samples, etc. However, the more important question (in my view) is whether you'll be able to feel confident, safe and ...
by allocator
Fri May 23, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Home purchase, possible asbestos.
Replies: 13
Views: 1132

Re: 2.5 mil to 10 mil - are we on track

My goal is 10 million in 15 years – I will be 59 Are we doing ok? Should we be more aggressive and be 70/30? If by being "more aggressive" you mean taking on more risk, by definition you will be increasing the dispersion of your returns and, in turn, increasing the probability of falling ...
by allocator
Sun May 11, 2014 3:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 2.5 mil to 10 mil - are we on track
Replies: 91
Views: 9653

Re: Calculating the SD of a portfolio

Thanks again - very helpful!
by allocator
Wed May 07, 2014 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Calculating the SD of a portfolio
Replies: 5
Views: 268

Re: Calculating the SD of a portfolio

jainn wrote:http://Www.portfoliovisualizer.com does this for previous years


Thank you. That's a great resource, but I was hoping to perform the calculations on my own "live" portfolio which includes CDs, International REITS, etc.

Thanks!
by allocator
Wed May 07, 2014 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Calculating the SD of a portfolio
Replies: 5
Views: 268

Calculating the SD of a portfolio

Setting aside the merits (or lack thereof) of calculating the standard deviation of a portfolio, are these calculations typically based on monthly or annual returns or another measure?

Thanks.

Al
by allocator
Wed May 07, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Calculating the SD of a portfolio
Replies: 5
Views: 268

Re: Please: what's my after-tax, "effective" mortgage rate?

Thanks, Ralph. It's actually worse than I'd thought. I'll have to go back and see what fraction of the mortgage deduction "counted". We're rethinking prepayment options, and a risk-free 3.75% is a very tough hurdle to overcome.

Thanks.
by allocator
Sat Apr 26, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Please: what's my after-tax, "effective" mortgage rate?
Replies: 7
Views: 828

Please: what's my after-tax, "effective" mortgage rate?

Good morning. I can't seem to get a straight answer from my accountant. I was hoping for some help and insight here. Basics: 1) We live in New Jersey. Our marginal tax rates are 39.6% federal and 8.9% state. However, we are subject to AMT, and I don't believe that mortgage deductions apply in NJ. 2)...
by allocator
Sat Apr 26, 2014 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Please: what's my after-tax, "effective" mortgage rate?
Replies: 7
Views: 828

Re: Do you adjust your AA based on valuations?

I had been 50/50 US/Int. My TSM allocation exceeded its band so I made a couple of planned charitable contributions with fund shares in lieu of cash. In the meantime, I've been nudging up my international allocation (Int Value, EM, and ex-Us Small Cap) up to around 52%, just based on relative valuat...
by allocator
Sat May 11, 2013 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your AA based on valuations?
Replies: 94
Views: 5459

Re: NY FED - Are Stocks Cheap a Review of The evidence

Interesting read, though I take such forecasts with a hefty grain of salt, as I'm sure most Bogleheads do (my cynical impulse is to interpret the article as a prelude to the apocolypse). A question for Larry: "This is the whole money illusion problem." Would you be so kind as to elaborate?...
by allocator
Thu May 09, 2013 7:53 am
 
Forum: Investing - Theory, News & General
Topic: NY FED - Are Stocks Cheap a Review of The evidence
Replies: 9
Views: 878

Re: Rebalance using charitable contributions?

THANK YOU for all the great responses. Yes, these are budgeted, charitable contributions we make every year. We just want to be a little smarter about it this year :wink:
by allocator
Thu May 09, 2013 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance using charitable contributions?
Replies: 31
Views: 992

Re: Rebalance using charitable contributions?

Thanks for the feedback. Very helpful as always.
by allocator
Wed May 08, 2013 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance using charitable contributions?
Replies: 31
Views: 992

Rebalance using charitable contributions?

We are now overweight TSM. Is there any downside to using appreciated shares for a planned charitable contribution (LT cap gains only) in lieu of cash?

Tax situation: 39.6% fed, 9% state.

Thanks!
by allocator
Wed May 08, 2013 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance using charitable contributions?
Replies: 31
Views: 992

Re: POLL: Miss The 4-5 Years?

I checked "stayed the course" though I probably did so too much. This was before I became a BH, before I knew about TLHing and AA, before I understood the folly of active management, before I knew anything about finding an AA and sticking with it, before I had a clue or a plan. What all th...
by allocator
Fri May 03, 2013 10:36 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Miss The 4-5 Years?
Replies: 62
Views: 4304

Re: Where to Put Money Set Aside for Kids

I agree with momar. Forget about mental accounting and just invest for yourselves. If you want to give money to your kids, then give money to your kids. Don't make it complicated because it is not complicated. Agree. But I also want to present an alternative my wife and I are discussing (we have ki...
by allocator
Wed May 01, 2013 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to Put Money Set Aside for Kids
Replies: 18
Views: 1928

Re: Allan Roth: "Fixing Obama's Finances"

The thread title should be edited to read "Fixing The Obama's Finances" so that it is not misconstrued as political commentary on fiscal policy as opposed a look into and critique of their personal income tax return. I fixed it. Thank you - sorry about that! What I found interesting was t...
by allocator
Sat Apr 27, 2013 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth: Fixing [The] Obama's Finances"
Replies: 22
Views: 2527

Allan Roth: Fixing [The] Obama's Finances"

This is most definitely NOT intended to be a political discussion. Rather, Roth basically offers up some portfolio and financial advice to the President. Intersting recommendations consistent with what we see on the forum every day, aimed at fixing the same kind of "mistakes" we might pres...
by allocator
Sat Apr 27, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth: Fixing [The] Obama's Finances"
Replies: 22
Views: 2527

Re: 401k Plan Administrative expenses??

My wife has her 401k @ Fidelity. Unfortunately her company benefits person seems utterly incapable of providing a straight, well-informed response to the the question, "what are the fees we are paying for the 401k plan above the fund expense ratios?" Where did you find such detailed infor...
by allocator
Fri Apr 26, 2013 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan Administrative expenses??
Replies: 13
Views: 2342

Re: 401k Plan Administrative expenses??

My wife has her 401k @ Fidelity. Unfortunately her company benefits person seems utterly incapable of providing a straight, well-informed response to the the question, "what are the fees we are paying for the 401k plan above the fund expense ratios?" Where did you find such detailed inform...
by allocator
Fri Apr 26, 2013 5:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan Administrative expenses??
Replies: 13
Views: 2342

Re: Mom demands trust be professionally managed

I would absolutely leave it alone. This is not just about money. Consider the .7% management fee the tuition for your investment education. Continue reading and learning. Meet with the manager, get a sense of his thinking. Even if you think he's dead wrong about everything, you can still learn somet...
by allocator
Thu Apr 25, 2013 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Mom demands trust be professionally managed
Replies: 67
Views: 4155

Re: Inflation protected bond fund?

Re: Inflation protected bond fund? by allocator » Fri Apr 12, 2013 4:36 pm How about Fidelity Spartan Inflation Protected (FSIYX), ER .10% ? http://www.morningstar.com/invest/funds/122855-fsiyx-fidelity-spartan-infl-prot-bd-idx-fid-ad.html My apologies. It didn't register that this was for a taxabl...
by allocator
Fri Apr 12, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation protected bond fund?
Replies: 15
Views: 1669

Re: Moving stuff around

Any thoughts about retiring the home equity loan?
by allocator
Sun Apr 07, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving stuff around
Replies: 16
Views: 1106

Re: Anyone selling these days?

Nope - just buying in international (VWO, VSS, EFV) according to allocation plan I began a few months ago. Hit US targets sooner with help from recent rally; three more scheduled purchases over next three months.
by allocator
Sat Apr 06, 2013 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone selling these days?
Replies: 33
Views: 2704

Re: Do you discuss your estate with your future heirs?

I wish I had time for a more substantial reply. Though my children are quite young, when the time comes we will begin what I hope will be an ongoing discussion about finances and estate planning. My parents, who were by no means wealthy, were very open about finances and estate planning, including i...
by allocator
Wed Apr 03, 2013 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you discuss your estate with your future heirs?
Replies: 38
Views: 2753

Re: What Book Are You Currently Reading? Part V

Just saw this thread for the first time - what a find!

Blood Meridian by Cormac McCarthy

Inferno: The World at War 1939-1945 by Max Hastings

edited for spelling error
by allocator
Wed Apr 03, 2013 11:58 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1214969

Re: Thankful

I appreciate your contributions to the forum.


+1
by allocator
Sat Mar 30, 2013 11:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thankful
Replies: 8
Views: 1620

Re: Choosing the "right" international allocation

I'm at 50/50. You might want to check out this thread from the other day, "Fama French for Non US Equities" http://www.bogleheads.org/forum/viewtopic.php?f=10&t=113668

See especially the linked papers.

Good luck.
by allocator
Sat Mar 30, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing the "right" international allocation
Replies: 48
Views: 3051

Re: Fama French for Non US Equities

EDN: Thanks for the informative and relatively non-technical link. By the way, you shouldn't read this article without also reading this paper by Rex Sinquefield about how to diversify across small/value asset classes globally to enhance portfolio efficiency: https://www.savantcapital.com/uploadedF ...
by allocator
Fri Mar 29, 2013 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Fama French for Non US Equities
Replies: 5
Views: 599

Re: Forget set it and forget it planning

A clear implication of what he is saying is that one shouldn't set a stock/bond asset allocation, rebalance, and stay the course. Rather one should be adjusting the asset allocation over time to changing circumstances. BobK It sounds like he is selling a tactical asset allocation process. It seems ...
by allocator
Fri Mar 29, 2013 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Forget set it and forget it planning
Replies: 21
Views: 2550

Re: Adding regular new money to portfolio - DCA vs rebalance

Complete noob here, but I see two potential problems with option 2. The first is that #2 is more time and labor intensive for a questionable benefit. The second - and perhaps more important concern, is that your money will be sitting on the sidelines for relatively long periods of time. You are maki...
by allocator
Tue Mar 26, 2013 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Adding regular new money to portfolio - DCA vs rebalance
Replies: 19
Views: 1203

Re: Questions re: Expected Return Assumptions and allocation

Billion dollar college endowments aren't beating the market, pension funds with tens to hundreds of billions of dollars aren't beating the market, but the magic elixir of a Morningstar subscription, Shiller's CAPE data, and the right mix of fundamentally weighted niche ETFs will succeed where every...
by allocator
Fri Mar 22, 2013 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Questions re: Expected Return Assumptions and allocation
Replies: 6
Views: 413

Re: Questions re: Expected Return Assumptions and allocation

Eric- I appreciate your very frank and very generous response. Its now tacked above my desk. Though we (my wife and I) have done reasonably well, earning for us has never been simple or straightforward. It's difficult to come to a point cognitively to accept that investing (at least the allocation p...
by allocator
Fri Mar 22, 2013 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Questions re: Expected Return Assumptions and allocation
Replies: 6
Views: 413

Questions re: Expected Return Assumptions and allocation

I have some tax-advantaged space opening up in a SEP IRA and was considering adding DGS (WisdomTree Emerging Mkts Small Cap) to augment VSS (Vanguard FTSE ex-US small cap) held in taxable. My thinking here is that although it is a less-than-perfect proxy for an International Small Value ETF, it may ...
by allocator
Fri Mar 22, 2013 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Questions re: Expected Return Assumptions and allocation
Replies: 6
Views: 413

Re: The prudent way to increase expected returns

Larry, Thank you again for your response to my question. As I began to work on my calculations, it occurred to me that expected returns for various asset classes would be based on Fama/French research using their criteria for large, small and value. As the instruments available to most investors on ...
by allocator
Mon Mar 18, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: The prudent way to increase expected returns
Replies: 31
Views: 4103

Re: The prudent way to increase expected returns

Great - thanks, Larry.
by allocator
Mon Mar 18, 2013 9:18 am
 
Forum: Investing - Theory, News & General
Topic: The prudent way to increase expected returns
Replies: 31
Views: 4103

Re: The prudent way to increase expected returns

Larry, First, I am utterly indebted and very grateful to you for improving the financial life of my family. Conceptually, I'm with you with respect to increasing the riskiness of the equity portion of a portfolio (in the hope of achieving higher expected returns in that portion of the portfolio), wh...
by allocator
Mon Mar 18, 2013 12:03 am
 
Forum: Investing - Theory, News & General
Topic: The prudent way to increase expected returns
Replies: 31
Views: 4103

Re: 12 Cognitive Biases That Endanger Investors

Personally, I'm not so sure that momentum does exist. For a good century now, investors have believed in the existence of momentum by that name. If it really ever existed, it's pretty hard for me to believe that nobody has caught on to it yet and arbitraged it away. Couldn't the same be said of the...
by allocator
Sun Mar 17, 2013 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: 12 Cognitive Biases That Endanger Investors
Replies: 19
Views: 2359

Re: Managed to unmanaged account... transition

Before you sell, you might want to consider trading costs (commissions). Where will it be cheaper to make the sales - with your present broker or at Vanguard? Your broker might have an unpleasant and unwanted parting gift for you.
by allocator
Wed Mar 13, 2013 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Managed to unmanaged account... transition
Replies: 16
Views: 620

Re: I hit my number today.

Congratulations.
by allocator
Wed Mar 06, 2013 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: I hit my number today.
Replies: 74
Views: 7395

Asset Allocation & Int Rates (from The Capital Spectator)

Interesting analysis on the components of interest rates, and rather Bogleheadian advice.

http://www.capitalspectator.com/archives/2013/03/asset_allocatio_7.html#more
by allocator
Tue Mar 05, 2013 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation & Int Rates (from The Capital Spectator)
Replies: 0
Views: 148

Re: Percent allocation to TIPS?

1/3 of fixed income in TIPS (VAIPX, FSIYX), 10% overall.
by allocator
Tue Mar 05, 2013 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Percent allocation to TIPS?
Replies: 25
Views: 4193
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