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Are all index funds created equal ?

All, I understand the basic concept of an index fund. And I understand the basic differences between and ETFs and mutal funds. However, I am a confused about subtle differences in either the definition of an index fund or its performance. Lets keep the disucssion to Schwab and Vanguard, and domestic...
by briang_g
Fri Feb 14, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are all index funds created equal ?
Replies: 7
Views: 988

Financial advisors- Conflict of interest ?

I am planning on doing indexing, but have a question about financial advisors. Are there any regulations that exists to protect the client against some obvious conflicts of interest ? For example. can a financial advisor who is managing a portfolio purchase funds or individual stocks that they get c...
by briang_g
Wed Jan 22, 2014 1:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial advisors- Conflict of interest ?
Replies: 4
Views: 489

Re: What is a 770 account ? Too good to be true ?

Ah, i searched for 770 account, not 770 plan ....
by briang_g
Fri Jan 17, 2014 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: What is a 770 account ? Too good to be true ?
Replies: 5
Views: 13541

What is a 770 account ? Too good to be true ?

All, Someone mentioned a 770 account today at lunch. Googled it and it sounded of course too good to be true, although there wasnt a tremndous amount of information on it. This was the best explanations for it: http://www.stockgumshoe.com/2013/11/microblog-770-account/ Basically a whole life insuran...
by briang_g
Fri Jan 17, 2014 12:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What is a 770 account ? Too good to be true ?
Replies: 5
Views: 13541

Vanguard total market- VTSMX, VTSAX, or VTI

All, In a different post I asked about the pros and cons of leaving my money in Schwab or Vangaurd (I think I will leave it in Schwab), and in that post Admiral shares came up, so I figured I would post a new thread. In_reality gave me this information: Here are the ERs investor: VTSMX 0.17% Admiral...
by briang_g
Sat Jan 11, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard total market- VTSMX, VTSAX, or VTI
Replies: 16
Views: 2193

Re: Schwab or Vanguard for rollover IRA ?

Thanks to all who answered.

I am going to open a different thread about the difference in admiral shares, regualr, and ETFs of Vanguards total market fund (thanks in_reality)
by briang_g
Sat Jan 11, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for rollover IRA ?
Replies: 15
Views: 1066

Re: Schwab or Vanguard for rollover IRA ?

What exactly is an "admiral share" ? I googled it (https://investor.vanguard.com/mutual-funds/admiral-shares), and it still wasnt clear to me. Are they the exact same Total domestic and Total international funds except purchased in higher quantities ? I couldnt find the VTSMX (total domest...
by briang_g
Sat Jan 11, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for rollover IRA ?
Replies: 15
Views: 1066

Schwab or Vanguard for rollover IRA ?

Hello, I am extremly conservative. I am 47. Approx 66% of my cash is in the bank in CD's. The remainder is in a 401K in Schwab that needs to be rolled over in April as my company 401K is being terminated. I am either going to leave in Schwab in a Schwab rollover IRA, or move it to Vanguard in a roll...
by briang_g
Sat Jan 11, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for rollover IRA ?
Replies: 15
Views: 1066

Re: Risky retirement portfolio mitigated by stop loss ?

Please research what happened on May 6, 2010 to numerous stop-loss orders. Please come back and tell us if it was big win for folks with stop-loss orders. This site is quite usefull for sanity checks. I found an article referencing that event and I now know that the stop loss doesnt guarentee the s...
by briang_g
Sat Mar 09, 2013 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky retirement portfolio mitigated by stop loss ?
Replies: 17
Views: 1200

Risky retirement portfolio mitigated by stop loss ?

Below is a theorectical strategy for someone close to retirement who want to limit his risk in the market while still having the opportunity for full reward. What are the practical and theorectical issues with it ? Strategy: Assume someone close to retirement has 500K. He has used FIRECALC or whatev...
by briang_g
Sat Mar 09, 2013 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky retirement portfolio mitigated by stop loss ?
Replies: 17
Views: 1200

Vanguard link showing index vs industry average

I was explaining the Boglehead philosophy to someone at work yesterday, and this morning opened I up a Vanguard account. As I was on thier site, I came across this web page, which pretty much embodies Boglehead theory of course: https://personal.vanguard.com/us/funds/vanguard/core#MoneyMarket I was ...
by briang_g
Thu Feb 28, 2013 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard link showing index vs industry average
Replies: 3
Views: 271

[sites with a non-Boglehead approach?]

I am curious if anyone knows about "anti-Bogglehead" sites or forums ? What I mean is that this particular forum is comprised of a group of knowledgable people who believe in a particualr philosophy helping people who want to learn. I personally now believe in the philosophy. I am curious ...
by briang_g
Thu Feb 21, 2013 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: [sites with a non-Boglehead approach?]
Replies: 26
Views: 2398

What if an institution fails ?

Who insures the funds in the case of a Brokerage house folding ? I know that principle isnt protected of course from market fluctuations. For example, say Vanguard goes out of buisneess. What happens to all the people holding Vanguard funds ? I know there is SIPC insurance, but isnt that limit 500K ...
by briang_g
Thu Feb 21, 2013 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What if an institution fails ?
Replies: 2
Views: 284

Re: Not what to invest in, but WHERE to invest in ?

I dont think that the Fidelity freedom index is a fund offered in my 401K. I'm not following you. If you don't have the Fidelity Freedom Index Funds, then what is "Fidelity Freedom® Index 2030 Fund - Class W Symbol: FXIFX"? If you have Fidelity Freedom® Index 2030 Fund - Class W, Symbol: ...
by briang_g
Thu Feb 21, 2013 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not what to invest in, but WHERE to invest in ?
Replies: 21
Views: 1743

International index funds.

So I suppose I understand some basics of indexed investing, but I have a questions about the US stock market index and the international market index. Lets assume I want my US allocation to be "total market" doemstic returns, and my international allocation to be "total market" i...
by briang_g
Thu Feb 21, 2013 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: International index funds.
Replies: 6
Views: 681

Re: Not what to invest in, but WHERE to invest in ?

So as of the momeny I am not sure about the Fidelity Brokerage linked to my 401K. The Fidelity Freedom Index fund would be a set it and forget it low cost fund (as opposed to the regular Fidelity Freedom Funds). Why did you want the brokerage link anyway? What were you interested in buying there th...
by briang_g
Wed Feb 20, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not what to invest in, but WHERE to invest in ?
Replies: 21
Views: 1743

Re: Not what to invest in, but WHERE to invest in ?

Is this an active NetBenefits account? If so, are you sure you can convert it over to a brokerage account? Not convert but adding a brokerage window option to it called BrokerageLink . Not all plans allow it. Postmon- It isnt a NetBenifits acount, but as TFB indicated Brokerage link is available. A...
by briang_g
Tue Feb 19, 2013 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Not what to invest in, but WHERE to invest in ?
Replies: 21
Views: 1743

Not what to invest in, but WHERE to invest in ?

This isnt really a question of asset allocation or request for advice on what to invest in, but instead is a request for advice on WHERE to put my money. I have two 401K accounts My current 401K is in and must be in Fidelity. I presently have all the money in a target retirment fund which is made up...
by briang_g
Sun Feb 17, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not what to invest in, but WHERE to invest in ?
Replies: 21
Views: 1743

Re: Stable value funds

As for why I want to DCA, it certainly more of an emotional decision than a logical one. I imagine the market doing its correction the day or week after I make my move. Dollar cost averaging seems less frought with "gee, I really messed up on that one". I know the philosophy here is just p...
by briang_g
Sat Feb 16, 2013 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable value funds
Replies: 11
Views: 1302

Re: Stable value funds

OK, thanks for the info. So for a Brokerage account, in which I wont have access for a fund like this, whats the best place to keep money while it is idle ? I havent opened the Brokerage account yet, and when I do I am hesitent about throwing all the money in it into index funds right away. I want t...
by briang_g
Sat Feb 16, 2013 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable value funds
Replies: 11
Views: 1302

Stable value funds

I am planning on moving some money from maturing CD's into a brokrage account and using the philosphies here to selects funds. I am also going to select new funds in my 401K to match bogleman philosophy. But before I do so, I want to ask a question about "stable value funds". I know within...
by briang_g
Sat Feb 16, 2013 1:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable value funds
Replies: 11
Views: 1302

Basic bond question ...

All, I am a little confused about bonds. The 3 fund index portfolio wiki suggests a single bond (Vanguard Total Bond Market Fund). The Bogleheads investment philosophy wiki suggest two bond funds, one is the Total Bond market fund, and the other is a TIPS fund. Assumming I have both funds, what fact...
by briang_g
Sat Feb 09, 2013 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Basic bond question ...
Replies: 10
Views: 1284

Re: Effect of cash assets on Stock/Bonds ratio

1) I'm puzzled with the concept of "tied up in cash." To me--this is a personal definition and might not match any official definition--the two essential characteristics of a near-cash asset are that it is liquid and that it never declines in dollar value. As you point out, I didnt put th...
by briang_g
Fri Feb 08, 2013 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Effect of cash assets on Stock/Bonds ratio
Replies: 6
Views: 691

Effect of cash assets on Stock/Bonds ratio

Assume a percentage of assets are tied up in cash for whatever reasons (10 year CD’s. Annuities, personal preference, etc). This percentage may be small (around 10%, or large, around 50%) The remaining assets will be invested in the Market using the Bogleman approach. Assume that the starting point ...
by briang_g
Fri Feb 08, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Effect of cash assets on Stock/Bonds ratio
Replies: 6
Views: 691

Re: Merrill Lynch High Quality and dividend yield screen

niprius, I did do the google, interesting stuff. I like your comments about how ML likely had multiple funds. So if they always have ten funds, and every year , drop a loser and add a new one, they will likely always have one or two of the ten that has a long history of success that they can show pe...
by briang_g
Mon Feb 04, 2013 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch High Quality and dividend yield screen
Replies: 13
Views: 1680

Re: Rule #6- Chose index funds (questioning the Math)

I think for the people still hanging in with this thread we are in agreement, although perhaps saying things a little differently. I'll sumerize my opinion, and perhaps interested parties can say if they feel its a good summary, or if they disagree with any of the different scenarios.. Pure theoreti...
by briang_g
Sun Feb 03, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rule #6- Chose index funds (questioning the Math)
Replies: 41
Views: 2935

Re: Merrill Lynch High Quality and dividend yield screen

Nisipruis, OK, Ill play the game even though its a trick question ....... (FYI, before we even start, I of course dont believe the the past guarentees the future, but in the absence of ANYTHING else to go by, its something to go by. For now, lets put the basicBoggle head philsophy on hold. I pretty ...
by briang_g
Sun Feb 03, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch High Quality and dividend yield screen
Replies: 13
Views: 1680

Re: Rule #6- Chose index funds (questioning the Math)

All, Thanks for the additional feedback. I especially liked the link to the paper by Sharpe. My final personal conclusion is that it is theroretically possible for the average fund to beat index funds (even after costs), but it probally doesnt matter for two reasons: 1- As many people have pointed o...
by briang_g
Sun Feb 03, 2013 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rule #6- Chose index funds (questioning the Math)
Replies: 41
Views: 2935

Re: Rule #6- Chose index funds (questioning the Math)

[Most of the responses to the snarky / rude comments removed by admin LadyGeek] To all responders [...removed...] : Thanks for the feedback, in general the idea of Mutual funds on average getting average perforance before costs, and less than average performace after costs, makes a lot of sense to ...
by briang_g
Sun Feb 03, 2013 1:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Rule #6- Chose index funds (questioning the Math)
Replies: 41
Views: 2935

Rule #6- Chose index funds (questioning the Math)

All, I am trying to learn about the Boglehead philosophy and I am having trouble with one of the key points, choosing index funds. Basically its about the the math behind it. Its rule #6 here > http://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy#Use_index_funds_when_possible_...
by briang_g
Sat Feb 02, 2013 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rule #6- Chose index funds (questioning the Math)
Replies: 41
Views: 2935

Re: Merrill Lynch High Quality and dividend yield screen

I must admit I didnt research the site before posting. I came to the forum from a quick google of the name of the portfolio becuase the thread referenced in my orignal post came up. I now know what this site is based on, and I respect that the 1.5% fee would not appeal to anyone who believes the the...
by briang_g
Thu Jan 31, 2013 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch High Quality and dividend yield screen
Replies: 13
Views: 1680

Merrill Lynch High Quality and dividend yield screen

Hello, I am brand new to investing and know almost zero about it.. What are peoples opionion on Merrill Lynchs high quality and dividend yield screen portfolio (or algorithm?) Here is an older thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=87927 The opinions were quite negative. The...
by briang_g
Thu Jan 31, 2013 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch High Quality and dividend yield screen
Replies: 13
Views: 1680

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