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Re: Best time to exercise stock options

grok's thread, which he linked above, is imo the magnum opus on this topic. thanks grok :). i track my various options (NSOs, RSUs, and ESPP shares) in a spreadsheet that shows the "grok number" for each option over various timeframes. couple things i haven't seen mentioned itt: - you may...
by grok87
Wed Aug 27, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 725

Re: Best time to exercise stock options

We been accumulating stock options via dw employer. The earliest they will start to expire is 2020. Some have vested others are slowly but sure vesting. We have exercised some vested options to pay for some major home improvements, not plan on exercising any more until right before they expire to u...
by grok87
Tue Aug 26, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 725

Re: What's the Market Neutral fund good for?

Just a bump from a previous thread. Vanguard has brought the management of this fund in-house beginning in 2011 and turned it around pretty well. The performance has done very well and the expense ratio is only 25bp. So you are getting in fact a real hedge fund (volatility in the 3 - 4% range) for ...
by grok87
Tue Aug 26, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 21
Views: 3779

Re: A random walk...

Just finished reading a random walk down wall street Honestly, it wasn't as great as I was expecting. Detailed? Yes, very. But it was not my starting book. I already read Boglehead's guide to investing (probably my first or second favorite) and the elements of investing (again, top 2) plus several ...
by grok87
Thu Aug 21, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: A random walk...
Replies: 21
Views: 1667

Re: CFA Results

Just passed Level II. Registered for Level III for June 2014. ... passed Level I this past December 2012. Just reading the CFA CBOK so far. Don't tell anybody, but I love this stuff. :wink: Bumped from July 2013: Found out that I passed Level 3 this past week. Putting together the application for m...
by grok87
Tue Aug 19, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: CFA Results
Replies: 30
Views: 3328

Re: WSJ: Is Your Portfolio Too Diversified?

http://online.wsj.com/articles/is-your-portfolio-too-diversified-1408032582 I read the article. I had two major concerns 1) 20 years is really too short a period. Basically 1994 to present. I wouldn't Give any creek to the results. The next 20 years will probably look very different, ie have a very...
by grok87
Sat Aug 16, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 23
Views: 3300

Re: Deferred Income Annuity

Under what types of circumstances (if any), might a deferred-income annuity be a good strategy/financial plan? Thanks, BFG I think there MAY be a role for these but I'd be cautious. In general I think it makes sense to wait till one is say in ones 70s and buy a product that starts paying out in one...
by grok87
Fri Aug 15, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred Income Annuity
Replies: 9
Views: 839

Re: Robin Williams

He was great in Aladin.
I will miss him.
I hope this sad situation might perhaps raise awareness of others who need help and perhaps prevent other tragedies...
by grok87
Tue Aug 12, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4624

Re: CFA June 2014 results

Busting Myths wrote:
Busting Myths wrote:Congrats, Oscar! What level did you take? Sat for Level III in June so will not find out until Aug 12.

Passed Level 3! Good luck to those who will be receiving results today!

Congrats
by grok87
Tue Aug 12, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: CFA June 2014 results
Replies: 28
Views: 2892

Re: CFA June 2014 results

http://www.cfainstitute.org/community/membership/process/Pages/work_experience.aspx You can do the exams first and then satisfy the professional work experience requirement later. Cheers, While this is true, I'm fairly sure that you have to have a college degree before you can even enroll in the CF...
by grok87
Sat Aug 02, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: CFA June 2014 results
Replies: 28
Views: 2892

Re: CFA June 2014 results

Sorry to thread hijack, but I have a few questions about the CFA exam. It says I need a Bachelor's Degree, 4 years professional work experience, or a combination of college and professional work totaling 4 years. Does professional work experience mean in a financial capacity? Or will my time at a g...
by grok87
Fri Aug 01, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: CFA June 2014 results
Replies: 28
Views: 2892

Re: CFA June 2014 results

TheOscarGuy wrote:Did any one of the board members take Level I? I mulled over it the entire last year and took it this June (2014). Results came in yesterday, I passed!

congratulations Oscar!
by grok87
Thu Jul 31, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: CFA June 2014 results
Replies: 28
Views: 2892

Re: New 10-Year TIPS Auction July 24 2014

grok87 wrote:... on bloomberg the WI market is showing 0.23/0.235
#cruncher wrote:Grok, do you have a link to a web page with when-issued TIPS quotes?


i got it from Bloomberg professional, the subscription service. i don't think its available on regular bloomberg or wsj.
by grok87
Tue Jul 22, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 17
Views: 1640

Re: New 10-Year TIPS Auction July 24 2014

The Treasury announced today the auction next Thursday 7/24/2014 of a new 10-year Treasury Inflation-Protected Security (TIPS) maturing July 15, 2024. (See the announcement PDF file .) $15 billion is being offered, the same amount as at the initial auctions in January and July the past couple of ye...
by grok87
Tue Jul 22, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 17
Views: 1640

Re: Memory foam mattresses - any insight?

I want to know all of your personal experiences with memory foam mattresses, good and bad. I don't trust some of the excellent reviews online. Call me a skeptic. here's a perhaps deliberately controversial statement. memory foam = toxic chemicals. i wouldn't get within 1 mile of it http://www.mothe...
by grok87
Sun Jul 20, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5185

Re: Memory foam mattresses - any insight?

I'm in the market for a new king size, memory foam mattress. I could go spend $3-8k for a Tempurpedic. Or I could spend $2-5k for a Sealy, Serta, or Simmons competitor of the Tempurpedic. Or I could buy this and foundation for about $700-800 delivered: http://www.amazon.com/dp/B003CT37LA/ref=twiste...
by grok87
Sat Jul 19, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5185

Re: New Edition of Random Walk in January 2015

... but let's not forget what a bolt from the blue the original book was. Yes, I agree, the first edition was an epiphany. That is why I felt so betrayed when Malkiel backed-off his random walk stance in later editions. agree. but follow the money i guess. i'm sure he's been well-paid for his touti...
by grok87
Thu Jul 17, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: New Edition of Random Walk in January 2015
Replies: 33
Views: 2433

Re: New Edition of Random Walk in January 2015

Leeraar wrote:And, he will say positive things about Wealthfront.

Personally, I plan to miss the latest edition of Malkiel's newsletter.

L.

agree. not quite sure if he will do so explicitly or if it will be cloaked. Depends upon how much shame he has.
by grok87
Thu Jul 17, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: New Edition of Random Walk in January 2015
Replies: 33
Views: 2433

Re: Who else hates choosing a car?

I do. We are gearing up to buy a new car and uggh boy do i hate the process. We used to just buy hondas but have recently become aware of a number of reliability issues with honda (transmissions on odysseys, windows on accords) so again uggh. I guess hondas aren't what they used to be. thinking abo...
by grok87
Mon Jul 14, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6581

Re: isolation of risk in equities vs. Roth tax efficiency

1) Break Grok's rule and go with available bond index funds in the 401k plans What are the bond index funds available in your 401k? I think it is difficult to manage a portfolio without at least 1 stock fund and 1 bond fund in the 401k. My guess is to break Grok's rule. I don't think Grok will mind...
by grok87
Mon Jul 14, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: isolation of risk in equities vs. Roth tax efficiency
Replies: 6
Views: 909

Re: Who else hates choosing a car?

I do. We are gearing up to buy a new car and uggh boy do i hate the process. We used to just buy hondas but have recently become aware of a number of reliability issues with honda (transmissions on odysseys, windows on accords) so again uggh. I guess hondas aren't what they used to be. thinking abo...
by grok87
Mon Jul 14, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6581

Re: Who else hates choosing a car?

I do. We are gearing up to buy a new car and uggh boy do i hate the process. We used to just buy hondas but have recently become aware of a number of reliability issues with honda (transmissions on odysseys, windows on accords) so again uggh. I guess hondas aren't what they used to be. thinking abou...
by grok87
Sun Jul 13, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 75
Views: 6581

Re: isolation of risk in equities vs. Roth tax efficiency

Hi all. While reviewing my portfolio to rebalance, I've come across an interesting question. Up to now I've been going exclusively with Treasuries/TIPS for my bond allocation, as I tend to agree with Grok's tip of taking risk on the equity side here . However, my last two 401k plans with Fidelity d...
by grok87
Fri Jul 11, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: isolation of risk in equities vs. Roth tax efficiency
Replies: 6
Views: 909

Re: To Which Rate does Duration Refer?

Agree with the responses. One has to be a little careful with tips funds. Vanguard does it correctly in my view and shows the "real duration". This is consistent with the idea that duration is with respect to the bonds own yield or rate. I've seen other funds quote a nominal duration for t...
by grok87
Fri Jul 04, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: To Which Rate does Duration Refer?
Replies: 7
Views: 604

Re: Bernstein: Don’t Bother With International Bonds

I remember back in the day (when most index investors held the S&P 500) when people were warning about adding small cap funds or using the new total stock market indices coming out. Too risky - why add "dangerous" small cap stocks? You saw the same thing when total international index...
by grok87
Fri Jul 04, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: Who will be the Vanguard of the annuity world?

tiaa cref? That would be my answer. The problem is that it is like a credit union, you have to be a member (and I am not talking about the new modern anyone in the world is related credit union, but the old fashioned you really had something in common credit union). Is that true? they won't sell an...
by grok87
Thu Jul 03, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Who will be the Vanguard of the annuity world?
Replies: 27
Views: 3687

Re: Who will be the Vanguard of the annuity world?

tiaa cref? That would be my answer. The problem is that it is like a credit union, you have to be a member (and I am not talking about the new modern anyone in the world is related credit union, but the old fashioned you really had something in common credit union). Is that true? they won't sell an...
by grok87
Thu Jul 03, 2014 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Who will be the Vanguard of the annuity world?
Replies: 27
Views: 3687

Re: Who will be the Vanguard of the annuity world?

I've been following this forum for a couple years, and there seems to be increased interest in 'liability-managed portfolios', and especially 'inflation-protected annuities', all related to the decline in availability of defined benefit pension plans - on the other hand there is concern about the e...
by grok87
Thu Jul 03, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Who will be the Vanguard of the annuity world?
Replies: 27
Views: 3687

Re: [Poll] If all active funds have ER= 0.05%, will you buy

Active funds in taxable accounts have lousy tax efficiency. Even in tax deferred, their high turnover will lead to high costs which are not reflected in the expense ratio. agree. estimates i have seen (Mr. Bogle?) are that for every 100% of turnover, the hidden expenses are 50 bps. So a fund with a...
by grok87
Thu Jul 03, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2705

Re: Stick with Vanguard or take Fidelity "special deal"?

I am 100 percent with Vanguard, but have been thinking of switching to Fidelity because of serious dissastisfaction with repeated incorrect data displayed on Vanguard's website concerning transactions and performance of my account (and I am a Flagship customer). When I have complained to Vanguard a...
by grok87
Thu Jul 03, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3109

Re: Stick with Vanguard or take Fidelity "special deal"?

I am 100 percent with Vanguard, but have been thinking of switching to Fidelity because of serious dissastisfaction with repeated incorrect data displayed on Vanguard's website concerning transactions and performance of my account (and I am a Flagship customer). When I have complained to Vanguard a...
by grok87
Wed Jul 02, 2014 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3109

Re: 401k funds choices + others

interesting that the mid cap index is cheaper than the s&p 500. typo?
by grok87
Mon Jun 30, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k funds choices + others
Replies: 10
Views: 732

Re: Bogleheads 2014 Hedge fund contest

I was perusing the thread, and when I stumbled upon Grok's picks I said to myself "he HAS to be winning this thing." Great picks Grok, especially with MU. You should set up a Motley Fool account and make some CAPS picks if you haven't already. For those that don't game the system by using...
by grok87
Mon Jun 30, 2014 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 13364

Re: Bogleheads 2014 Hedge fund contest

LadyGeek wrote:It's time for the 2nd quarter report.

I'm still in the middle of the pack.

Congrats to grok87!

Thanks LadyGeek!
by grok87
Mon Jun 30, 2014 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 13364

Re: Bernstein: Don’t Bother With International Bonds

By the same logic US bonds also provide better risk adjusted returns than US stocks. Look at 2000-2013: TSM CAGR 4.22 STD 20.44 worst year -37% TBM CAGR 5.43 STD 5.42 worst year -2.26% We don't look at it that way since we have 100 years of history to look at where we can see various market cycles....
by grok87
Mon Jun 30, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: What emering Market Funds do you like?

So could I turn it into a 4 fund portfolio and add the Vanguard Total International Stock Index Fund (VGTSX)? What do you mean by normal and is adding an emerging Market fund to my portfolio not normal? I would like to have an emerging market fund in my portfolio. why? as cyberbob points out emergi...
by grok87
Sun Jun 29, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What emering Market Funds do you like?
Replies: 25
Views: 2049

the data

Here is the data on the (backtested) performance of the international bond index tracked by the vanguard fund compared with the total (us) bond index. I've also shown a 80/20 domestic/intl mix which is what vanguard uses in the target date funds etc. ANNUAL RETURN IN % YEAR..... TOT US BND INDEX.......
by grok87
Sun Jun 29, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: Bernstein: Don’t Bother With Intnational Bonds

EDIT as grok87 points out there is another source of return. The yield curve is normaly upward sloping, so short term currency forwards cost less than the difference in yield between 2 10 year bonds (or should anyways). Thus there is a yield slope return there too because the cost of a ST FX hedge ...
by grok87
Sun Jun 29, 2014 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: What emering Market Funds do you like?

veiex is it for me
by grok87
Sun Jun 29, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: What emering Market Funds do you like?
Replies: 25
Views: 2049

Re: Bernstein: Don’t Bother With Intnational Bonds

I am on this camp as well. Give me a premium to TBM, or I am not going to bother. I've long been an advocate of a permanent allocation to foreign bonds and I've held 20 percent of our portfolio's bonds in foreign bonds for over a decade. However in my opinion if there's a sound argument against for...
by grok87
Sun Jun 29, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: Bernstein: Don’t Bother With Intnational Bonds

But wouldn't you say the same in comparing those 3% PenFed CD's to domestic bonds, as well? I'm beginning to think that it's not just those foreign bonds that you're not so keen on these days, but in the current market, bonds in general. Am I wrong? Yes, I'd prefer the CD. Or maybe TIPS. But both a...
by grok87
Sun Jun 29, 2014 7:29 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: Bernstein: Don’t Bother With Intnational Bonds

A couple of questions regarding Bernstein's comments that perhaps someone will help me with: 1) He suggests that foreign bonds, plus currency hedging, basically equals U. S. bonds. Why would the hedging turn foreign bonds into domestic bonds? I can see that it makes them similar to domestic bonds i...
by grok87
Sat Jun 28, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9210

Re: New retiree...considering a TIPS ladder

I retired May first of this year at age 62. I have a nice little pension of $1700/mo, and my wife (retired) and I have a portfolio of $1.5M. Our portfolio consists of roughly $1.2m in tax sheltered accounts with the remaining $300K in taxable funds and cash. Our AA is ~52% equity/48% fixed. We are ...
by grok87
Sat Jun 28, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: New retiree...considering a TIPS ladder
Replies: 3
Views: 402

Re: Any experience with Vanguard Life Strategy?

Hello everyone. I'm a new member to this site and was hoping to get a few opinions on Vanguard's LifeStrategy Conservative Growth Fund. I just opened a Roth IRA and put $5000 into this fund. I'm not planning on contributing any more money to this IRA and letting it sit for 30 years (I'm 31 years ol...
by grok87
Sat Jun 28, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Any experience with Vanguard Life Strategy?
Replies: 25
Views: 2430

Re: 401k funds choices

I just started reading up on investing and my plan is investing at Vanguard index funds. I'm currently 31. However, my 401k choices do not include any Vanguard funds. The choices are: Fixed income: Invesco Stable Value Trust Fund Intermediate Term Bond: PIMCO Total Return Fund Large Cap Blend: SSgA...
by grok87
Fri Jun 27, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k funds choices + others
Replies: 10
Views: 732

Re: Second pair of eyes on my 401k selections

agree that one should look at the 401k and ira as all part of one portfolio. drop the higher er actively managed international fund from american funds and the pimco bond fund in your 401k.
by grok87
Wed Jun 25, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Second pair of eyes on my 401k selections
Replies: 11
Views: 991

Re: Should Risk Portfolio in LMP, be 100% equity

Perhaps the best approach would be to calculate the duration of your expected retirement liabiltiies. And then gradually accumulate 30 year TIPs and Ibonds to match that liability. Then when you hit age 65 or so, you will be in a position to buy an immediate or deferred inflation-indexed annuity if ...
by grok87
Wed Jun 25, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should Risk Portfolio in LMP, be 100% equity
Replies: 20
Views: 1241

Re: Should Risk Portfolio in LMP, be 100% equity

I understand the basic concept of the liability matching portfolio of matching liabilities with certain income each year over your project life ( or whatever time frame one uses) I also understand that what one has left over after he/she has established the LMP, is recommend to be devoted to a Risk...
by grok87
Mon Jun 23, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Should Risk Portfolio in LMP, be 100% equity
Replies: 20
Views: 1241

Re: Advice for wife's [lousy] 401K

In her 401k, "DREYFUS S&P 500 INDX (PEOPX) .51" is very acceptable. +1 In dollar terms it is a small amount each year so she could just contribute a few extra dollars per paycheck to make up for it. agree. if she can, she may want to ask her plan if it would consider a lower cost s&am...
by grok87
Fri Jun 20, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for wife's [lousy] 401K
Replies: 10
Views: 712

Re: [Morningstar article] the best fixed income investment

i like cds but i stick to penfed and perhaps some other credit unions.
always read the fine print. are you guaranteed the right to early withdrawal? many banks reserve the right to deny early withdrawals...
by grok87
Fri Jun 20, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: [Morningstar article] the best fixed income investment
Replies: 55
Views: 3931
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