Search found 567 matches

by bayview
Thu Sep 03, 2015 5:56 am
Forum: Investing - Theory, News & General
Topic: Nothing is something worth doing
Replies: 22
Views: 1900

Re: Nothing is something worth doing

nisiprius wrote:Whoa. Livesoft, how wide are your rebalancing bands? They must be more like rebalancing thongs.


:D Terrible mental image :shock:, but one of your best. :D
by bayview
Thu Sep 03, 2015 5:34 am
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 113
Views: 18269

Re: A Returns Spreadsheet for Bogleheads

The only data that I've entered has been for 2015. Now that I don't have much to do other than watch my daily balances go roller-coastering :D , I'd like to add earlier dates, contributions, and so forth. I cautiously poked around, trying to figure out how, but everything seemed to involve messing w...
by bayview
Wed Sep 02, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD? [Year To Date]

As of 8/31/2015, -0.9%. I think. My 401k loan repayment might be skewing the numbers. :confused For comparison, AOM is -2.6%, and AOR is -3.0%. If you're still contributing to your 401k, include your loan repayment with the contributions. (You're using longinvest's calculator referenced above, righ...
by bayview
Tue Sep 01, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: "Investors are fleeing once-popular emerging markets."
Replies: 50
Views: 5095

Re: "Investors are fleeing once-popular emerging markets."

For those of you adding EM 1. Do you have dynamic asset allocation that allows you to add EM or any other asset classes when you feel they are undervalued? Do you have lower and upper limits on that? What's your rebalancing policy? 2. Or is this an issue of your re-balancing bands being triggered? ...
by bayview
Tue Sep 01, 2015 6:11 pm
Forum: Investing - Theory, News & General
Topic: Reblancing
Replies: 17
Views: 1112

Re: Reblancing

How many folks don't rebalance, but add more to the underfunded asset until it is back to your desired AA. What are the pros and cons of rebalancing this way, if there is any. Now that I'm close to retirement (knock on wood), I don't sell bonds to rebalance. If needed, I'll make 100% of my biweekly...
by bayview
Tue Sep 01, 2015 5:18 pm
Forum: Investing - Theory, News & General
Topic: "Investors are fleeing once-popular emerging markets."
Replies: 50
Views: 5095

Re: "Investors are fleeing once-popular emerging markets."

Doesn't investing directly in emerging markets violate the 3-fund portfolio? There are EMs in VTIAX...so no. Read: directly. i.e. beyond the cap weight slice in VTIAX. If you look at VTIAX in Portfolio Visualizer (and yes, I know it has limitations), it doesn't appear that VTIAX holds market cap in...
by bayview
Tue Sep 01, 2015 5:35 am
Forum: Investing - Theory, News & General
Topic: "Investors are fleeing once-popular emerging markets."
Replies: 50
Views: 5095

Re: "Investors are fleeing once-popular emerging markets."

If you think investors in U.S. stocks have had it rough, consider the hapless folks who followed Wall Street's advice to buy emerging market stocks... First boom, then bust: Investors once keen on emerging market darlings are now in full flight. This "hapless folk" bought EM to partially ...
by bayview
Tue Sep 01, 2015 5:30 am
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3754

Re: Slow speed

Running like a champ at 6:30 a.m. Eastern.
by bayview
Tue Sep 01, 2015 5:28 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD? [Year To Date]

at the end of July Using the wiki referenced above, with all the contributions entered, I get: portfolio return: 1.84% (YTD figure) 48% Treasury funds (mostly intermediate-term) + G fund 40% total US market + cobbled-together C and S fund 12% total international + I fund (not yet bothering with try...
by bayview
Mon Aug 31, 2015 5:59 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3754

Re: Slow speed

I consider it an honor to be able to help out something as amazing as the BH forums. I wish you'd sticky this thread on the other boards so that others might be prompted to kick in.

lol, my first attempt at writing this timed out... :D
:sharebeer
by bayview
Mon Aug 31, 2015 5:41 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3754

Re: Slow speed

We're getting a new server, please see this post: growing plans Perhaps this is the appropriate time for members to consider making a donation to help offset the cost of the new server and the forum's ongoing costs. Members can contribute directly by using the "Support this Site" link at ...
by bayview
Sun Aug 30, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6761

Re: Aug 2015 correction: what Bogleheads did...

This was the first hiccup since making a gradual change of our AA to a straight-ahead 50% Treasuries/50% equities (75/25 US/international), so it was a useful test. You need times like these to see if you've hit your SWAN (sleep well at night) AA, and I think I have. Made no changes; tracked the per...
by bayview
Wed Aug 26, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383566

Re: U.S. stocks in freefall

And up we go. Total Stock Market is + 3.7% today so far :D Go home, market, you're drunk. Thank you; finally some well-researched and data-driven explanation of the lat five days. :beer: I just sat there and watched the craziness. I don't think that I have all the insights I'd like to have, but my ...
by bayview
Mon Aug 24, 2015 6:16 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 6777

Re: Who's selling now?

I am retired but work part-time. As a retiree, I would never sell fixed income to buy equities, but I have purchased more shares of S&P500 index fund in my taxable account with the small amount of new money that comes in. I hope prices are still low at the end of September when the quarterly di...
by bayview
Mon Aug 24, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: Help find a prior post: Sensible advice during crash
Replies: 12
Views: 1008

Re: Help find a prior post: Sensible advice during crash

There was a boglehead post made back in 2008-9 that had a very reasonable and sound post on analyzing the crash. It had several graphs on it saying that even though this looks like a big drop, over time, it's miniscule/noise. I can't seem to find it... it should be made a sticky or archived as a be...
by bayview
Mon Aug 24, 2015 3:48 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 55
Views: 5589

Re: Cheap copy of Lange's Retire Secure 3rd Edition

Got my copy today too.

I've deleted a half dozen or so emails about a DVD that I don't want to buy, but I don't mind a bit with the deal on the book itself.

I'm looking forward to a good read.
by bayview
Fri Aug 21, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5522

Re: Where are you in the cycle of market emotions?

I'm still OK with my AA and investing rate (aka every penny that I can cram in.) I have six years to go before retiring, and I feel the same way as several posts back --glad the shoe is apparently/ possibly/ maybe starting to drop. We've created our retirement budget to match anticipated SS and my p...
by bayview
Tue Aug 04, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 1789

Re: Apple & the Market:

Thanks...I am not a market timer and love this forum. We are on the same page. Most of my adult life I have been very sane and reasonable. I am 52. Then life took a hard turn with the loss of a family member, loss of job, and a deep depression. I know many reading this were like myself when I heard...
by bayview
Tue Aug 04, 2015 5:54 pm
Forum: Investing - Theory, News & General
Topic: Retiring in 10 years
Replies: 24
Views: 2617

Re: Retiring in 10 years

You don't have to reduce your withdrawals by half when the market is down. If you run some backtesting simulations even during the great depression a 100% equity portfolio could still maintain a 3% SWR for 30+ years.Not that I would be 100% equity myself ( prefer 90/10 so I have dry powder) but the...
by bayview
Sat Aug 01, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: Longinvest's Uniform Returns -- July 2015 edition

I encourage Bogleheads to use the wiki:Calculating personal returns spreadsheet to calculate and report their personal returns in a uniform manner . Here are my personal portfolio returns * for July 2015. Asset allocation: 50/50 -- (25% Canadian stocks / 25% ex-Canada stocks / 50% Canadian bonds) T...
by bayview
Wed Jul 29, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 6159

Re: 50/50 asset allocation

Do long term treasuries always have the greatest negative correlation to equities? Because it possible that past correlations are purely coincidental and not necessarily going to repeat themselves. I don't have access to Long Term Treasuries in Portfolio Visualizer... I thought that PV was pretty u...
by bayview
Wed Jul 29, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Using Sharpe instead of Sortino in evaluating portfolios
Replies: 9
Views: 616

Re: Using Sharpe instead of Sortino in evaluating portfolios

I (mostly) understand the difference between Sharpe and Sortino ratios. I'm curious: why do so many Bogleheads cite Sharpe ratios when arguing about :D discussing portfolios? I would have thought that the Sortino ratio is a more useful measure. It displays on Portfolio Visualizer, for instance, so ...
by bayview
Wed Jul 29, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Using Sharpe instead of Sortino in evaluating portfolios
Replies: 9
Views: 616

Using Sharpe instead of Sortino in evaluating portfolios

I (mostly) understand the difference between Sharpe and Sortino ratios. I'm curious: why do so many Bogleheads cite Sharpe ratios when arguing about :D discussing portfolios? I would have thought that the Sortino ratio is a more useful measure. It displays on Portfolio Visualizer, for instance, so i...
by bayview
Mon Jul 20, 2015 11:08 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5643

Re: Pros and cons of adding Roth Option to 401K Plan

I recently started splitting my contributions 50/50 to traditional 401K and Roth 401K. I am currently in a high tax bracket, but as some of the posters suggested tax rates will be unknown in the future. I'm in the school of thought that rates will go up, which is the main reason I am doing this tod...
by bayview
Mon Jul 20, 2015 10:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 5707

Re: livesoft surpasses 40,000 posts!

A ton of experience + a cheerfully cranky, contrarian viewpoint --exactly what the BH forums need!

Thanks for your wisdom and posts, livesoft, even (especially) when I I don't agree with them. :D :beer
by bayview
Mon Jul 20, 2015 10:35 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4188

Re: Annuities-when and why?

Sure, that's my ideal: have what we know we need in completely secure funds, and let the rest rock'n'roll. Two things make that tricky for everyday investors: not that much $$$ to take care of the "secure funds", leaving something else for the fun money, and a general lack of understanding...
by bayview
Mon Jul 20, 2015 10:08 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4188

Re: Annuities-when and why?

Until you are on the verge of retirement, it's hard to understand the gut-clench you might feel when seeing expected income be reduced. But expected income doesn't decrease much when the price falls. Even if you were to buy into equities on Black Tuesday right before the market crashed, you would s...
by bayview
Mon Jul 20, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5643

Re: Pros and cons of adding Roth Option to 401K Plan

One of my children has a 401K plan without the Roth option. His tax bracket will be a lot higher in the future and during retirement. His Roth IRA is maximized every year, but he is missing out on tax free compounding in his 401K for the next 30 or more years. An employer has no idea what the futur...
by bayview
Mon Jul 20, 2015 9:12 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3634

Re: When did you start investing in the Market?

1997, age 43.. Before that, I was a housewife at home raising three kids, and pretty dang unhappy that Husband #1(non-DH, lol) refused to fund a spousal IRA for me, as I was obviously a drain on the family finances. :annoyed Needless to say, this contributed to my thoughts for my future. Once the ki...
by bayview
Mon Jul 20, 2015 8:57 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5643

Re: Pros and cons of adding Roth Option to 401K Plan

Just from what I hear around the water cooler: Most folks are going to do whatever decreases their tax bites/ increases their take-home pay. I don't think that a lot of people will mistakenly sign up for Roth 401(k)s. In the end, their questions to HR/payroll are going to generally be along the line...
by bayview
Mon Jul 20, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 43
Views: 4188

Re: Annuities-when and why?

Yep, that's a good reason to own a SPIA... I will probably own a SPIA, bonds, AND stocks. I will have to crunch the numbers but is it better to own bonds so you can rebalance into equities when they dip? I haven't found a single 30-year period in history where a combination of stocks and intermedia...
by bayview
Mon Jul 20, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: "Helping Your Parents Financially"
Replies: 62
Views: 7884

Re: "Helping Your Parents Financially"

Are we perhaps seeing an eruption of the frequently-referenced discussion that some Bogleheads are over-the-top controlling? (reference the threads discussing spousal arguments over budgets and so forth). I will admit that I was startled by EmergDoc's post, although I understood it intellectually. I...
by bayview
Mon Jul 20, 2015 7:47 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5643

Re: Pros and cons of adding Roth Option to 401K Plan

At current tax brackets, we will be in the 15% bracket in retirement. But 80% of our income will be SS, and the rest will be a federal pension. We'd prefer to not have large-ish taxable RMDs make our SS income taxable. Harry Sit's (tfb's) take on this: http://thefinancebuff.com/most-tsp-participiant...
by bayview
Fri Jul 17, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1968

Re: Board Recommendations: Vacation for Babymoon

One final recommendation for a place I've always wanted to visit: Blackberry Farm in the Smokies. I'm told the accommodations and food are world-class. +1 Easy drive (south of Knoxville, in Blount County.) Go stick your feet in the creek. Refreshingly cool, even this time of year. Wear your stretch...
by bayview
Fri Jul 17, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Is Medicare required when one has adequate retiree health insurance?
Replies: 22
Views: 1666

Re: Is Medicare required when one has adequate retiree health insurance?

Federal retirees keeping their FEHB in retirement do not have to buy MC-B: https://www.opm.gov/healthcare-insurance/healthcare/medicare/medicare-part-b-coverage/ DH is retired and 65, and he waived Part B. I'm still working (for forever, it sometimes seems), and he is on my FEHB plan plus his own MC...
by bayview
Fri Jul 17, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD? [Year To Date]

Using the wiki referenced above, with all the contributions entered, I get: portfolio return: 1.84% (YTD figure) 48% Treasury funds (mostly intermediate-term) + G fund 40% total US market + cobbled-together C and S fund 12% total international + I fund (not yet bothering with trying to add in EM an...
by bayview
Tue Jul 14, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1968

Re: Board Recommendations: Vacation for Babymoon

The Greenbrier, Sulphur Springs WV

Grove Park Inn, Asheville NC (one day the weather will cool off...)

Highlands NC and Cashiers NC area (easy drive from Hotlanta, if mountain roads aren't an issue)
by bayview
Tue Jul 14, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Updated - Propane Oven Makes Me Sick - Repair or Buy New?
Replies: 35
Views: 2193

Re: Updated - Propane Oven Makes Me Sick - Repair or Buy New?

We're getting ready to get a gas oven, finally! but if it turns out that even with a new range, you're sensitive to gas odors, you might also check out induction ranges. They're electric, but they are MUCH faster to heat than gas; they remain cool to the touch; their cooking areas are flexible. They...
by bayview
Mon Jul 13, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4724

Re: Builder wants to put a retaining wall on my property

Two years from now, wall crumples on Mercedes.

Who pays?

I sure wouldn't sign off on this. Sell the developer a strip of land.
by bayview
Mon Jul 13, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5298

Re: VRBO illegal rental

Our next door neighbor rents out part of his house through airbnb (rentals under 30 days are illegal here), and it's a huge annoyance. In, out, in, out, cars everywhere. He pretends that these are all friends visiting, including when he's out of the country for a few weeks. One poor lady locked hers...
by bayview
Wed Jul 08, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: Government bond defaults
Replies: 29
Views: 2272

Re: Government bond defaults

OK, very cautiously venturing out here, but in most cases, people would tend to think of government bonds as being safer from default than corporate junk bonds, or even corporate investor-grade bonds. Businesses go out of business every day; governments not so much. So generally, investors buy gover...
by bayview
Wed Jul 08, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28729

Re: What ratio are you stocks/bonds and how old are you?

Ages 60/65

50:50

(I'd be a bit higher in stocks, but I respect DH's feelings.)
by bayview
Wed Jul 08, 2015 5:50 pm
Forum: Investing - Theory, News & General
Topic: Why are US Gov Bond Yields Higher than German?
Replies: 13
Views: 1488

Re: Why are US Gov Bond Yields Higher than German?

Since the start of the Eurozone, EUR:USD has been about 1.35X. It's now 1:1X. Price anchoring happens with currency just like with stocks so most people have the feeling that 1:1X is not the normal and we'll go back to historic averages. So what happens if someone with Euros buys US Government Bond...
by bayview
Mon Jul 06, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: VTIAX price drop discrepency
Replies: 20
Views: 1568

Re: VTIAX anomaly on Vanguard's website

They've fixed the error, or at any rate, they're changing something.

I saw the 5-something % at 6:45 Eastern this evening, and now at 8:27, it shows as down 2.02%, down $0.55.

eta: per my website, price is $26.63.
by bayview
Mon Jul 06, 2015 4:42 pm
Forum: Investing - Theory, News & General
Topic: part two of series on venture capital returns
Replies: 3
Views: 488

Re: part two of series on venture capital returns

larryswedroe wrote:this looks at persistence, which does exist, and why
http://www.etf.com/sections/index-investor-corner/swedroe-reputation-and-venture-capital
hope you find of interest
Larry

This has been a loooooong Monday, but persistence? I think I missed something. :confused
by bayview
Mon Jul 06, 2015 5:41 am
Forum: Investing - Theory, News & General
Topic: 401K fund line-up help
Replies: 8
Views: 914

Re: 401K fund line-up help

It sounds like that might be the only one in fund form. Some people use Long Treasuries as part of a barbell. We have a small amount, and it's pretty amazing to see the day-to-day volatility. I mainly use Intermediate-Term Treasuries: VFITX (investor) or VFIUX (Admiral.) They are less dramatic than ...
by bayview
Sun Jul 05, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: 401K fund line-up help
Replies: 8
Views: 914

Re: 401K fund line-up help

Do you have the option of offering VG Treasury funds? (these are different from Government funds)

Some investors like me prefer to use Treasuries only for their bond funds, moving most risk to equities.

Just a thought.
by bayview
Sun Jul 05, 2015 8:32 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD? [Year To Date]

The wiki's spreadsheet investor return (XIRR) was never meant to be used for predicting anything about the future; it was designed to give the overall investor return over the complete investment history (which, for most users, is longer than 11 months). For laziness reasons, the spreadsheet curren...
by bayview
Sat Jul 04, 2015 7:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD? [Year To Date]

It seems that you are just explaining what an internal rate of return means. I get that. You can use the XIRR function to figure both YTD or the annualized return depending on how you build the formula in Excel (i.e., whether your use 365 days or the number of days YTD). You can also use XIRR funct...
by bayview
Fri Jul 03, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78100

Re: What are you up YTD? [Year To Date]

I still don't completely grasp why there's such a huge difference, but I accept that there is. I suspect the investor return is the YTD return annualized. Since only 6 months of the year is behind us, the annualized return is just twice the YTD return because 12 months divided by 6 months is 2. The...

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