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Re: Mutual Fund Alternatives to VSS (Vanguard Interna Small

midareff wrote: Perhaps you should work on your disipline? :oops:

Valid point midareff.
by chipmaker
Thu Feb 14, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1642

Re: Mutual Fund Alternatives to VSS (Vanguard Interna Small

1.) Vanguard Total International Stock Index (VGTSX/VTIAX) (holds all non-US stocks including equities held by VSS) 2.) Vanguard Small Cap Value Index (VISVX/VSIAX) (a fund I would use to DCA in on the US-equity side) 3.) Vanguard Emerging Markets Index (VEIEX/VEMAX) (I believe of all the Vanguard ...
by chipmaker
Thu Feb 14, 2013 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1642

Re: Mutual Fund Alternatives to VSS (Vanguard Interna Small

livesoft wrote:Just a note: The bid/ask spread is not the same as premium/discount to NAV.

You are right. I stand corrected. The premium is indeed closer to 0.5%.
by chipmaker
Wed Feb 13, 2013 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1642

Re: Mutual Fund Alternatives to VSS (Vanguard Interna Small

Thanks, to all of those who responded. I just use the mutual fund equivalent. If you have access to DFA, they are a better option. If not, and you don't like VSS, I'm not aware of a better option than the Vanguard MF version of VSS. Unfortunately I don't have access to DFAs. Beside, I think the expe...
by chipmaker
Wed Feb 13, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1642

Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)

International Small Cap forms a sizable portion (~10%) of my portfolio. I have been using VSS (Vanguard FTSE All-World ex-US Small-Cap ETF) to fill this asset class. However, over the past 12 months I have found myself lacking discipline to DCA into this ETF. I set reminders to buy, but other priori...
by chipmaker
Wed Feb 13, 2013 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1642

Re: Gift card (or similar) gift

American Express, from time to time, has online promotions where you can buy fee-free gift cards. If you are time bound, this may not work for you. But something worth considering/researching.
by chipmaker
Sat Jan 05, 2013 2:00 am
 
Forum: Personal Consumer Issues
Topic: Gift card (or similar) gift
Replies: 31
Views: 1744

Re: Would you max out 401(k) if you were not retiring in the

I think it is still advisable to contribute to your 401(k). You can file tax returns to "claim" some of the 30% back.
Alternately, you do not have to wait until you are 59.5: If you do not have any other US income, taxes + 10% penalty may still come out to be less than your current tax rate.
by chipmaker
Sun Feb 05, 2012 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you max out 401(k) if you were not retiring in the US?
Replies: 9
Views: 1132

Re: High Frequency Trading: Quantitative Software Developer

Thank you, for your responses. I agree with many of your comments. I must say that all the points expressed in your posts did cross my mind. Can be interesting work for the right type but again too hard to say from a label like that. I agree -- the title is too generic. Here are some more specific r...
by chipmaker
Sat Oct 29, 2011 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: High Frequency Trading: Quantitative Software Developer
Replies: 7
Views: 566

High Frequency Trading: Quantitative Software Developer

Someone recently contacted me to inquire if I am interested in a Quantitative software developer position with a high-frequency trading firm. While I do not believe in anything that is not passive, low-cost indexing and have no intentions of changing my present job, it got me thinking about these ro...
by chipmaker
Sat Oct 29, 2011 12:34 am
 
Forum: Investing - Theory, News & General
Topic: High Frequency Trading: Quantitative Software Developer
Replies: 7
Views: 566

VSGIX is not a bad option, if you desire exposure to small caps.
by chipmaker
Wed Jun 15, 2011 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 9 funds available for 401K - which should I pick?
Replies: 21
Views: 1891

Dominion!
by chipmaker
Mon Apr 18, 2011 11:47 am
 
Forum: Personal Consumer Issues
Topic: Favorite Board Game?
Replies: 66
Views: 6097

:) To each his own.
by chipmaker
Wed Mar 23, 2011 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Jr
Replies: 30
Views: 4196

Quicken + Excel
by chipmaker
Fri Mar 04, 2011 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which portfolio tracker do you guys use?
Replies: 18
Views: 2957

livesoft wrote:I use VSS instead (the ETF share class). I want to overweight small-cap international equities in my portfolio.

+1
by chipmaker
Sat Feb 26, 2011 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone in VFSVX? Why?
Replies: 35
Views: 5798

Pimco Total Return (PTTRX)
by chipmaker
Sat Feb 26, 2011 12:47 am
 
Forum: Investing - Theory, News & General
Topic: What are some actively managed funds that you like?
Replies: 33
Views: 3180

Are'nt you getting hit by bid-ask spread every time you do this? If you need to do this frequently, these can add up.
by chipmaker
Sun Jan 16, 2011 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: How to buy at lowest price for the year GUARANTEED!
Replies: 27
Views: 3718

We keep track of the assets in excel and manually rebalance. We rebalance only once/twice a year and does not take more than 15-20 minutes.

We use Quicken and Excel Stock Market Functions Add-in (Google: smf_addin), which makes it somewhat easier.
by chipmaker
Thu Dec 30, 2010 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard - IRA Rebalancing thoughts
Replies: 3
Views: 917

0%
by chipmaker
Thu Dec 30, 2010 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percent in your company stock?
Replies: 25
Views: 2377

I'd guess a lot of the individual stocks would remain the same, so I would guess taxes wouldn't be that bad, but could be way off? There is no "automatic" conversion planned by Vangurad, or atleast, I am not aware of one. So you will have to sell VFWIX and then buy VGTSX. Which means ther...
by chipmaker
Tue Oct 26, 2010 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admirals, ETF or just leave it alone?
Replies: 6
Views: 1332

The article mentions that Vanguard is implementing an Admiral share class of the Vanguard Total International Stock Index. Does anyone know what date this happens? The article implies it will be early next year. I couldn't find anything more specific on the VG website. I have tried calling Vanguard...
by chipmaker
Tue Oct 26, 2010 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: How Vanguard Index Funds Kept Up With The Times
Replies: 22
Views: 3292

Also, if you happen to have a capital loss down the road you can *potentially* use that to offset the gains.
by chipmaker
Mon Oct 25, 2010 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: VFWIX to VGTSX, locking in capital gains
Replies: 5
Views: 1015

Re: All Vanguard. All the time?

rhaung wrote:
What if something happens to Vanguard? Investigation by SEC, change in management, etc. Would this affect performance of funds?


You may want to read this (you may already have):
http://www.bogleheads.org/wiki/Vanguard_safety

IMHO, you can not go wrong with Vangurad.
by chipmaker
Tue Oct 05, 2010 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: All Vanguard. All the time?
Replies: 20
Views: 3441

VFWIX+VSS Does it for us.
by chipmaker
Fri Oct 01, 2010 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] Who's switching from VFWIX to VGTSX?
Replies: 62
Views: 8629

I use a combination of VTRIX and VSS.
by chipmaker
Wed Jun 02, 2010 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: International value
Replies: 17
Views: 2368

Buy any in the Canon SDxxxx series. We are on our third and could not be happier.
by chipmaker
Tue Jun 01, 2010 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Best Digital Camera for $150-$200 or less
Replies: 25
Views: 3051

IMHO: Diversification is provided by the fact that the correlation between US and International is closer to 0 than to 1. Or, at the very least, is less than one. It does not have to be zero to provide diverification benefits.
by chipmaker
Fri May 28, 2010 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Do International Funds really diversify a portfolio?
Replies: 44
Views: 4897

I know you asked about LA, but may I suggest driving down to San Diego? I almost always prefer spending time in SD as oppoed to LA. La Jolla, Coronado Island, Balboa Park, etc. are some things you can consider doing there.
by chipmaker
Tue May 25, 2010 9:49 am
 
Forum: Personal Consumer Issues
Topic: Los Angeles vacation help
Replies: 71
Views: 4530

No. I subscribe to The Economist and follow Google News.
by chipmaker
Sat May 22, 2010 1:56 pm
 
Forum: Personal Consumer Issues
Topic: [poll] do you buy a daily newspaper?
Replies: 62
Views: 6533

I am 6'1" and ride Trek 7.3 FX. Have been pretty happy with it so far.
by chipmaker
Mon May 10, 2010 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Best bicycle for 6 footer?
Replies: 17
Views: 2235

Do not worry about it too much. Even if they shopped around at 10-15 lenders, they probably pulled your credit report/score only once. In any case, multiple credit inquiries for the same type of loan (auto/mortgage, etc.) during a certain time span countl only as one.
by chipmaker
Mon May 10, 2010 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Dealer applied for credit, hurting score?
Replies: 2
Views: 599

We used to. Now we take reusable bags for grocery and use store-bought bags for trash!
by chipmaker
Sat May 08, 2010 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: plastic shopping bag as trash bag?
Replies: 54
Views: 6180

The Predator Real Estate Buyer 1. Patience - Have patience. Your deal(s) will probably take a while to find. Don't fall in love with a property. Be prepared to walk away. There are plenty of nice properties out there with few qualified buyers today. Don't be too anxious or too quick to make a deal....
by chipmaker
Wed Apr 28, 2010 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: The race is on! [buying a house before tax credit expires]
Replies: 45
Views: 6674

I successfully use Quicken to download transactions from Vanguard, Wells Fargo Bank and Brokerage, and ING Direct. I have 2009 Premier version.
by chipmaker
Tue Feb 23, 2010 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: MS Money user trying Quicken
Replies: 29
Views: 3817

I contributed $5,000.00 to my Roth IRA with Vanguard last year, and the total fund has about $5,277.00 currently. Did you report this contribution on Form 8606 with the taxes for the last year? If you havent filed already, you should do that. Once this has been taken care of, then you have establis...
by chipmaker
Mon Feb 22, 2010 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA
Replies: 5
Views: 3105

It is because VBINX attempts to maintain 60-40 split between stocks and bonds. In a year (2009), where stock market experienced so much volatility, it is only exected that there was high turnover for a balanced fund. In comparison, VTSMX experienced a turnover of only 4.5%.
by chipmaker
Fri Feb 12, 2010 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund (VBINX)
Replies: 6
Views: 2505

+1 for Brian. So I assume the traditional 401k is not affected by this. Do you know a good source to read up on this aspect? I mostly read pub 590 [Individual Retirement Arrangements (IRAs)]. I had to read it multiple times to understand some of the aspects. In addition to that, I used many online s...
by chipmaker
Mon Jan 18, 2010 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Effectively no income limit for 2010 Roth IRA?
Replies: 12
Views: 2331

Can I make non-deductible traditional IRA condributions ($5,000?) for 2009 by April 15, 2010 and then immediately convert to a Roth IRA? Yes. Can I make non-deductible traditional IRA condributions ($5,000?) for 2010 by December 31, 2010 and then immediately convert to a Roth IRA? Yes. Does this ef...
by chipmaker
Mon Jan 18, 2010 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Effectively no income limit for 2010 Roth IRA?
Replies: 12
Views: 2331

If you convert all, you will be taxed on $38K. You will simply add this to your income when you file for taxes. The actuall tax bill will depend on your tax rate. If you are in high tax bracket, IRS also provides the option to claim 50% of the taxable amount as income in 2011 and the remaining 50% i...
by chipmaker
Mon Jan 04, 2010 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conversion question - non-ded IRA to Roth IRA
Replies: 7
Views: 1270

Thanks, kaneohe and SurgPath, for your responses.
od
by chipmaker
Sun Jan 03, 2010 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Conversion from Traditional IRA to Roth IRA
Replies: 3
Views: 922

Conversion from Traditional IRA to Roth IRA

Happy New Year, Bogleheads!! I have been ineligible to contribute to Roth IRA in the past due to income limits and since I max out my 401K, I have preferred not to make any non-deductible contributions to a traditional IRA. Ergo, as of now I don’t have IRA of any kind including those originating fro...
by chipmaker
Sat Jan 02, 2010 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conversion from Traditional IRA to Roth IRA
Replies: 3
Views: 922

I love Canon SD series. I have previously owned a canon SD1000 and currently own SD1100.
by chipmaker
Wed Dec 30, 2009 11:16 am
 
Forum: Personal Consumer Issues
Topic: Which pocket sized camera is your favorite?
Replies: 34
Views: 4971

Some dealers counter this by imposing a fee (usually 2-3%, but can be up to 5%) to use your card to pay for the car. Given that, it does not help to use the card unless your reward % is higher than this fee.
by chipmaker
Thu Oct 15, 2009 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: curious about using credit card to pay for a car
Replies: 17
Views: 3068

Having sufficient auto insurance is always a good idea. Basic liability insurance (state minimum coverage) is generally included with the car rental (but you should check with the rental agency). The supplemental liability insurance will extend this coverage to the limits you mentioned. In addition,...
by chipmaker
Sun Oct 04, 2009 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental car insurance
Replies: 10
Views: 3771

I use actively managed funds sparingly and only when thay have a low ER. Currently, I have Wellington and PIMCO Total Return (PTTRX).
by chipmaker
Fri Oct 02, 2009 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone still in favor of actively managed funds?
Replies: 54
Views: 6927

I do not know if you want to consider ETFs at all, but VWO (ER 0.27%) will be a good option to get the desired emerging exposure. On VFWIX(.40) (.25% purchase fee) May be I am reading this wrong, but as far as I know there is no purchase fee for VFWIX. However, there is a 2% early redemption fee (if...
by chipmaker
Tue Sep 29, 2009 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDMIX & VEIEX -vs- VGTSX (or VFWIX)
Replies: 6
Views: 3427

I second billb. SSD is a neat product, but they will give a noticable boost only when the application is disk usage heavy. Also, capacities of SSDs are somewhat smaller (after factoring in the cost).
by chipmaker
Thu Sep 17, 2009 4:41 pm
 
Forum: Personal Consumer Issues
Topic: SSD Drives for laptops: Are they worth it?
Replies: 11
Views: 1983

On a related note: Does anybody use quicken with Wells Fargo and is able to download transactions without paying $3/month fee for direct connect? I am considering the PMA package with them and wanted to make sure that I will be able to download transactions without having to pay this fee (through Qu...
by chipmaker
Thu Sep 17, 2009 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken
Replies: 18
Views: 2906

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