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Re: Investing with a Revalued American Dollar

^ Your reply did not add any clarity, I'm afraid to say, as you did not address my two questions.
by allsop
Fri Jan 10, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing with a Revalued American Dollar
Replies: 20
Views: 909

Re: Investing with a Revalued American Dollar

[OT comment removed by admin LadyGeek] I thought political statements weren't allowed. You "forgot" to quote my complete post, for some reason. That said, who are the ones talking about "debasing" the USD along with "suggestions" for future and current investments? I t...
by allsop
Fri Jan 10, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing with a Revalued American Dollar
Replies: 20
Views: 909

Re: Given High PE10, How about this AA?

Kenyan: The US tilt is relatively small, though, about 2%.
by allsop
Fri Jan 10, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 666

Re: Given High PE10, How about this AA?

For the equity portion it is quite reasonable.
by allsop
Fri Jan 10, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Given High PE10, How about this AA?
Replies: 13
Views: 666

Re: Investing with a Revalued American Dollar

As I have been talking with people, many conversations have the same theme of the American dollar is going to decline in the near future when it is revalued. Is there a way to invest and protect against some of the impact this will have on a person’s portfolio? I am not interested in buy gold or si...
by allsop
Fri Jan 10, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with a Revalued American Dollar
Replies: 20
Views: 909

Re: Why tilt towards value funds?

livesoft wrote:This is the MUST-READ thread on why one tilts to value funds:

viewtopic.php?f=10&t=96441


Yep, the first post is hilarious.
by allsop
Sat Jan 04, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why tilt towards value funds?
Replies: 16
Views: 1312

Re: is there a conspiracy to understate inflation?

fishnskiguy wrote:Hey folks,
I'm pretty sure that chained CPI has not been incorporated in any program or pension yet. I'm pretty sure that chained CPI has not been incorporated in any program or pension yet. [OT comments removed by admin LadyGeek]

Chris


[OT comments removed by admin LadyGeek]
by allsop
Tue Dec 24, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: is there a conspiracy to understate inflation?
Replies: 21
Views: 1617

Re: is there a conspiracy to understate inflation?

For those of you who actually shop have you noticed that while the price you pay for groceries is not increasing the quantities are now less. For example, a bag of sugar is now 4 lbs instead of 5. Same price but 20% less. Half gallon of orange juice contains 59 oz and a gallon of detergent is now 1...
by allsop
Tue Dec 24, 2013 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: is there a conspiracy to understate inflation?
Replies: 21
Views: 1617

Re: is there a conspiracy to understate inflation?

History is replete with inflation caused by governments. When money dies is a nice book. http://www.amazon.com/When-Money-Dies-Devaluation-Hyperinflation/dp/1586489941 The current Germans referred to our recovery policy as "clueless" quite recently. http://www.independent.co.uk/news/busin...
by allsop
Tue Dec 24, 2013 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: is there a conspiracy to understate inflation?
Replies: 21
Views: 1617

Re: What do early retirees actually do in Florida?

My impression from reading blogs and forum post about early retirement is that they want economic "independence" (that is, not a salaried job). But when they achieve that they do not know what to spend their "independence" on, but XXX sound great. Of course I'm sort of very, very...
by allsop
Fri Dec 06, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 14037

Re: Will an attached iphone drain a car's battery?

My car has an ipod connector in the glove compartment that remains powered on even when the car is turned off. I recently attached an old iphone 3 to use as an ipod and I want to leave it in the glovebox. Does anyone know if this will drain the car's battery? Thanks in advance. Roosevelt. You did n...
by allsop
Fri Dec 06, 2013 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Will an attached iphone drain a car's battery?
Replies: 13
Views: 895

Re: The "Lost Decade" and Long-Term Real Stock Returns

Nisi's point is very reasonable as there is significant risk in investing in equity. We have expected returns not guaranteed ones, but even on this forum there seems to be some confusion. Well, this forum is not monolithic. It consists of investors with many different experience and knowledge level...
by allsop
Sat Aug 03, 2013 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: The "Lost Decade" and Long-Term Real Stock Returns
Replies: 32
Views: 3356

Re: The "Lost Decade" and Long-Term Real Stock Returns

Nisi's point is very reasonable as there is significant risk in investing in equity. We have expected returns not guaranteed ones, but even on this forum there seems to be some confusion. Well, this forum is not monolithic. It consists of investors with many different experience and knowledge level...
by allsop
Sat Aug 03, 2013 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: The "Lost Decade" and Long-Term Real Stock Returns
Replies: 32
Views: 3356

Re: The "Lost Decade" and Long-Term Real Stock Returns

The global stock market has indeed averaged 5% real total returns over its history — but there have been many historical 30-year periods when its real total returns were only 2%-4% annualized... A decade of returns, "lost" or not, is irrelevant over the lifetime of the average investor......
by allsop
Sat Aug 03, 2013 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: The "Lost Decade" and Long-Term Real Stock Returns
Replies: 32
Views: 3356

Re: Question on "Rich Habits"

Many wealthy are wealthy because they have taken great risks that payed off but there are many for which the risk showed up.

There is also a huge amount of luck involved but the lucky ones are "skilled" while the others are "unlucky" :shock:
by allsop
Fri Aug 02, 2013 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10593

Re: [Poll] How Much Will Investment Fees Reduce Your End Wea

The poll have many implied assumptions, not the least that not all bogleheads are US based investors nor that several (many?) US based bogleheads have taxable accounts.
by allsop
Wed Jul 31, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How Much Will Investment Fees Reduce Your End Wealth?
Replies: 45
Views: 2727

Re: 1929 Crash being a Boglehead?

A strange question.
by allsop
Wed Jul 03, 2013 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: 1929 Crash being a Boglehead?
Replies: 74
Views: 5040

Re: Foreign stocks as a % of your stock asset allocation

Swedish investor:

3% Swedish stocks
97% Foreign
by allsop
Wed Jul 03, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 5525

Re: Boglehead in Europe/Netherlands

Are there any other European Bogleheads frequenting this forum? What are your considerations or thoughts about currency risk and asset allocation? What ETF's are you using? Do they accumulate dividends? What are their TER's? Are you doing anything to counter Euro inflation? :beer There is, you know...
by allsop
Mon Jul 01, 2013 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead in Europe/Netherlands
Replies: 17
Views: 1853

Re: Folks' willingness to accept risk

BUT - each and every person or organization that chose to purchase things like the GNMA fund at Vanguard agreed, before making the investment, to have read the Prospectus, which explains the risks. In my opinion, what has happened was within the risks described in the Prospectus. <tongue in cheek> ...
by allsop
Fri Jun 21, 2013 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Folks' willingness to accept risk
Replies: 14
Views: 1700

Re: What the blank is going on with bonds?

But we now have a weird situation where "everybody" is saying rates will keep going up and they do keep going up. Every day. Since the beginning of the Lesser Depression many, very many, have claimed that interest rates will rise and, if not hyperinflation, very high inflation. They have ...
by allsop
Fri Jun 21, 2013 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What the blank is going on with bonds?
Replies: 36
Views: 3841

Re: How is the price of an ETF determined?

The price for an ETF is just like for any traded stock. To determine if the price is good value there is Intraday Indicative Value to look at, and the ETF have their own IV ticker. "Approved participants" can issue new ETF shares under certain rules. From http://www.amex.com/etf/Glossary/G...
by allsop
Fri Jun 21, 2013 11:19 am
 
Forum: Investing - Theory, News & General
Topic: How is the price of an ETF determined?
Replies: 5
Views: 289

Re: Emergency Fund for Single Income Household

Having a baby and you exiting the paid workforce could be quite a strain on the personal finances. As I understand, you are currently renting, so why not continue renting for a while after the baby is born so that you can more properly assess your expenses? Also, when renting it is much easier to m...
by allsop
Wed Jun 19, 2013 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund for Single Income Household
Replies: 17
Views: 1180

Re: Emergency Fund for Single Income Household

Having a baby and you exiting the paid workforce could be quite a strain on the personal finances. As I understand, you are currently renting, so why not continue renting for a while after the baby is born so that you can more properly assess your expenses? Also, when renting it is much easier to mo...
by allsop
Wed Jun 19, 2013 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund for Single Income Household
Replies: 17
Views: 1180

Re: Bogle: Too Much In Bonds

SS, even after the trust fund is paid out, will still be able to pay at 75% even with zero changes from Congress. Counting on 100% may be imprudent, but using 0% is even more silly in my opinion... What's silly about having lots of extra money you didn't count on when you are in your 60's? It is si...
by allsop
Wed Jun 19, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Too Much In Bonds
Replies: 115
Views: 10017

Re: European/Swedish investor - Help with a lazy portfolio

According to the Swedish website of Vanguard several ETFs have been registered in Sweden although they may not been tradable in Sweden. Other ETF companies, like iShares Sweden, may be an alternative option. I can't read the Swedish iShares website, but, to my knowledge, iShares does not offer &quo...
by allsop
Fri Jun 07, 2013 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: European/Swedish investor - Help with a lazy portfolio
Replies: 8
Views: 723

Re: European/Swedish investor - Help with a lazy portfolio

Lets not forget the emerging markets! I thought I was exposed to these with the global fund. Right now Im leaning towards something like the following: 65% SPP Global. Tracking Msci world. 0% fee. 20% AVANZA ZERO. Tracking SIX30RX, the 30 largest companies in the Stockholm exchange. 0% fee. 10-15% ...
by allsop
Fri Jun 07, 2013 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: European/Swedish investor - Help with a lazy portfolio
Replies: 8
Views: 723

Re: European/Swedish investor - Help with a lazy portfolio

Welcome to the forum! I'm living in Sweden as well and over the last few years there have been a marked improvement in offering index funds with ER of 0.4% and lower. You can use SPP Aktiefond Global (ER 0.3%) that is a no-load index fund that follows the broader MSCI AC World as of this year as a r...
by allsop
Fri Jun 07, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: European/Swedish investor - Help with a lazy portfolio
Replies: 8
Views: 723

Re: ARE BOGLEHEADS REDUCING DURATION OF BOND HOLDINGS?

As a Swedish investor most of my fixed income is in taxable and invested in the Swedish equivalent of FDIC insured CD's with an after-tax real rate of about 1.7% (currently) I have various 1, 2 and 3 years CD's. A two-year Swedish GB have a yield of 1.0% while a five-year have 1.3% Below is link to ...
by allsop
Mon Jun 03, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads reducing duration of bond holdings?
Replies: 15
Views: 2626

Re: "My guy always beats the market"

We've all heard people say this while we try our best not to roll our eyes and hold our lips tight. I heard a coworker say this about their Edward Jones adviser and had visions of him throwing 5% of his money into a burning trash can every time he makes a deposit. It prompted me to wonder how many ...
by allsop
Sat Jun 01, 2013 8:27 am
 
Forum: Investing - Theory, News & General
Topic: "My guy always beats the market"
Replies: 20
Views: 2006

Re: "My guy always beats the market"

We've all heard people say this while we try our best not to roll our eyes and hold our lips tight. I heard a coworker say this about their Edward Jones adviser and had visions of him throwing 5% of his money into a burning trash can every time he makes a deposit. It prompted me to wonder how many ...
by allsop
Fri May 31, 2013 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: "My guy always beats the market"
Replies: 20
Views: 2006

Re: how much to invest??

Welcome to the forum! It would be very helpful if you could give more information about your 401(k) and the following post is very good: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I might add that you can edit your first post so that is more easy for us to follow later on. The amou...
by allsop
Mon May 27, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: how much to invest??
Replies: 5
Views: 834

Re: Vanguard and Norway

http://www.SPP.se, owned by Storebrand, offers several no-load passive mutual funds with low costs. The SPP passive funds for Europe, Japan and Global now have much broader indices to follow and have TER in the range of 0.2% to 0.3% The above assumes that you can buy them from Norway without fees wh...
by allsop
Mon May 27, 2013 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard and Norway
Replies: 15
Views: 1753

Re: How Have You Been Greedy?

^ Boglehead?
by allsop
Sat May 25, 2013 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Have You Been Greedy?
Replies: 28
Views: 2013

Re: Got Engaged, Now to Plan (Portfolio Review)

Congratulations with your engagement! That said, you there is a significant difference between being married or not, as well as cohabitation, and that varies between the states depending and countries. You really should verify the laws of inheritance, etc, in case one of you die, especially if child...
by allsop
Wed May 15, 2013 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Got Engaged, Now to Plan (Portfolio Review)
Replies: 22
Views: 1101

Re: Why don't people use the Permanent Portfolio?

Rodc wrote:I'm not really interested in a contest as to who is the most skeptical. You can win. :)


You are taking all the fun out of this :)
by allsop
Tue May 14, 2013 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't people use the Permanent Portfolio?
Replies: 156
Views: 11502

Re: Why don't people use the Permanent Portfolio?

90 years of data gives all of three 30-year data points. Rolling periods may give more numbers, good for making pretty scatter plots, but all of them are just remixes of three honestly independent data points (at best, as the the second is dependent on the particular history that led to point one, ...
by allsop
Tue May 14, 2013 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't people use the Permanent Portfolio?
Replies: 156
Views: 11502

Re: Why don't people use the Permanent Portfolio?

craigr wrote:Gold handles political risk and currency risk.


Depends what you means with "handles".
by allsop
Tue May 14, 2013 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't people use the Permanent Portfolio?
Replies: 156
Views: 11502

Re: Why don't people use the Permanent Portfolio?

90 years of data gives all of three 30-year data points. Rolling periods may give more numbers, good for making pretty scatter plots, but all of them are just remixes of three honestly independent data points (at best, as the the second is dependent on the particular history that led to point one, ...
by allsop
Tue May 14, 2013 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't people use the Permanent Portfolio?
Replies: 156
Views: 11502

Re: Past Performance

The first chapter (No Guts, No Glory) of W. Bernstein's "The Four Pillars of Investing" is about historical financial risks and returns spanning thousands of years where one of the author's intentions was to give the reader an idea what is reasonably to expect in real return of an investme...
by allsop
Mon May 13, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Past Performance
Replies: 60
Views: 2790

Re: Spending after exhausting emergency fund

To add to the above you can withdraw contributions from a ROTH with no penalty, thus the often given advice to fund a ROTH before a taxable EF.
by allsop
Sun May 12, 2013 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending after exhausting emergency fund
Replies: 6
Views: 566

Re: How Much Did You Spend on Your Engagement Ring??

So, Debeers concocted and perpetuated a widespread marketing campaign that the masses willingly bought into? Amazing. I have been in the wrong business. BFG What business are you in? DeBeers is unique only because they pulled it off single-handedly, by virtue of monopoly. But there are few business...
by allsop
Fri May 10, 2013 3:31 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20232

Re: Do you adjust your AA based on valuations?

^I have as well and more than one long time BH poster did so during the depth of the financial crisis. For me as a Swedish based investor the Krona was really hammered, or so I thought, and new investments was in Swedish equity funds along with paying down all debts. Now the Swedish stock "over...
by allsop
Wed May 08, 2013 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your AA based on valuations?
Replies: 94
Views: 5185

Re: How Much Did You Spend on Your Engagement Ring??

Both of us earn a very good salary so if I applied the 1/3 of yearly salary "rule" (which seems to high anyways) I would be buying an astronomically priced ring. What is a reasonable amount for a high income earner? We bought what I thought was an astronomically priced ring. I gave my wif...
by allsop
Wed May 08, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20232

Re: Help w/ investing in Taxable accounts [US citizen in Swe

As an US citizen it might be difficult to open any account at all in Sweden due to recent US laws. For equity mutual funds SPP (http://www.spp.se) have passively managed equity mutual funds for USA, Europe, Japan, Sweden and Global with TER in range of 0.21% to 0.31%. Recently the Europe, Japan and ...
by allsop
Tue May 07, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ investing in Taxable accounts [US citizen in Sweden]
Replies: 20
Views: 918

Re: Negative interest rates in Europe coming?

Denmark (EU member with Danish Krone pegged to the Euro) currently have a negative interest rate around 0.1% for the 2 years government bonds, and have been around zero for a least a year. Apparently this is cheaper than have the money in cash :twisted: Let me add that Europe is bigger than the Euro...
by allsop
Mon May 06, 2013 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Negative interest rates in Europe coming?
Replies: 5
Views: 917

Re: European pension allocation

100% bonds for pension with withdrawal many years ahead is very conservative, even for most BHs, as you describe your situation. Edit: So while Bogleheads principles are very useful they need to be adapted for non-US based investors, and taxation is the one factor you must take into account as this ...
by allsop
Sat May 04, 2013 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: European pension allocation
Replies: 5
Views: 224

Re: European pension allocation

Went to your first thread, which I should have done in the first place.... The "pension fund" you refer to reminds me of similar funds in Sweden where each investment is guaranteed a minimum return but in addition have a variable return that in some circumstances can be taken back. This al...
by allsop
Sat May 04, 2013 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: European pension allocation
Replies: 5
Views: 224

Re: European pension allocation

Too bad that you cannot contribute much the global index fund, which seems to be the cheapest option. Going from 100% bonds to less than 30% is a pretty big jump, but on the other hand this only for the 30% of your portfolio not in the pension part. I assume that you are a Dutch based investor, afte...
by allsop
Sat May 04, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: European pension allocation
Replies: 5
Views: 224

Re: Don't want to TLH. Is this a bad idea?

assumer wrote:There's also the $3000 deduction on your income tax from tlh which rolls over year after year.


Ah, this was the deduction I was thinking of.

Using "TLH" to get our from an unwanted investment is great, though.
by allsop
Fri May 03, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Don't want to TLH. Is this a bad idea? [Tax Loss Harvest]
Replies: 38
Views: 2138
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