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Re: The "do not know the future" allocation

Personally, I run a portfolio divided 60% US, 16% international developed 18% emerging markets and 6% frontier. I also try to maintain a significant small and value tilt. I also have a small tilt to low volatility and I am considering a quality tilt. If the TSP does begin offering a mutual fund wind...
by gtwhitegold
Tue Mar 11, 2014 3:50 am
 
Forum: Investing - Help with Personal Investments
Topic: The "do not know the future" allocation
Replies: 37
Views: 3050

Re: Small-Cap Value vs. Small-Cap Growth?

Since this is on the same general area, how would EES - WisdomTree SmallCap Earnings Fund compare to PXSV - PowerShares Fundamental Pure Small Value? I have ran the 4 factor analysis and if I am reading it correctly, it does have a stronger small/value tilt and somewhat of a quality tilt, which woul...
by gtwhitegold
Sat Mar 08, 2014 2:11 am
 
Forum: Investing - Theory, News & General
Topic: Small-Cap Value vs. Small-Cap Growth?
Replies: 113
Views: 9156

Re: TSP vs Roth TSP Question

I personally contribute to both. My wife and I both maximize our Roth IRAs and we use my tTSP to drop us down to the next lower tax bracket and the rest goes to rTSP. I personally believe that the Federal Government will not significantly raise taxes for lower incomes, so I keep that in mind. I also...
by gtwhitegold
Thu Jan 16, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs Roth TSP Question
Replies: 23
Views: 1417

Re: In retirement, best to have all rIRA or both rIRA and tI

My wife and I are maximizing our tax exempt space while trying to minimize overall taxes. I contribute to my traditional TSP up to the point at which it will minimize our overall tax obligations and then begin contributing to Roth. Right now, about half of my TSP contributions are traditional and th...
by gtwhitegold
Thu Jan 16, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: In retirement, best to have all rIRA or both rIRA and tIRA?
Replies: 13
Views: 1197

Re: TSP Survey on Self-Directed Mutual Fund Window

I like TSP the way it is. ...For those not interested, the fees & investment options shouldn't change. ... I understand what you’re saying and I hope you are right. As I get older, I have become more skeptical of many of such claims. There really no free lunch. Many things happened at work or a...
by gtwhitegold
Thu Dec 19, 2013 2:29 am
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 2323

Re: TSP Survey on Self-Directed Mutual Fund Window

I personally voted to open the brokerage window and in the comments wrote that I would also like to allow ETF purchases in the brokerage window. With my current account balance, I could support a $200 fee per year without much loss of performance, but I specifically mentioned that I would not be wil...
by gtwhitegold
Thu Dec 19, 2013 2:27 am
 
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 2323

Re: Roth vs traditional ira poll

I personally am contributing the maximum to my Roth TSP and Roth IRA each year, but I expect to draw more taxable income in retirement than I do now. After I transfer to the fleet reserve I will likely take a contracting job making much more taxable money, so it is only logical that I pay taxes now ...
by gtwhitegold
Wed Aug 14, 2013 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Roth vs traditional ira poll
Replies: 52
Views: 3780

Re: Please, need IRA info- provider and changing funds

island, To further assist, I would look to see what NTF funds and commission-free ETFs were available at the various providers and also review their account agreement paperwork to ensure that you agree with their policies. Vanguard, Fidelity, TDAmeritrade, Charles Schwab, and e*Trade all have access...
by gtwhitegold
Wed Aug 14, 2013 4:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Please, need IRA info- provider and changing funds
Replies: 4
Views: 276

Re: Fidelity funds for my first 401(k)

Luka5P, The Fidelity Freedom Fund K 2050 is actively managed and has a 0.68% expense ratio which isn't horrible, but you can do better on your own. If you want to approximate your Vanguard 2050 in your 401K, you will have to slice it up yourself. Below are the percentages to approximate it. Note tha...
by gtwhitegold
Sun Jul 14, 2013 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity funds for my first 401(k)
Replies: 9
Views: 747

Re: iShares MSCI Frontier 100 (FM) [ER 0.79%]

The assumption that energy companies are a large portion of the FM 100 is not true. Financials are by far the largest area. This is due to most resource plays being owned by the host nation and either being extracted by the host nation or under contract from the host nation. Until they do develop in...
by gtwhitegold
Sun Mar 24, 2013 5:47 am
 
Forum: Investing - Theory, News & General
Topic: iShares MSCI Frontier 100 (FM) [ER 0.79%]
Replies: 34
Views: 2147

Re: 401k – High ERs – What to choose?

I think that you will be better served if you modify the topic to ask for a portfolio evaluation so as to include your other assets as well. That way we would be better able to assist.

Allen
by gtwhitegold
Sun Mar 24, 2013 12:47 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k – High ERs – What to choose?
Replies: 8
Views: 591

Re: Left Employer, 401k Questions r.e. Contributions & Rollo

P.S. Are you sure you want to do the rollover to IRA? Have you checked to see how good the next 401k plan is? Yes, this is something significant to consider. If there are some institutional class index funds available be it from Vanguard, Schwab, Fidelity, or others that have low ERs, it may be adv...
by gtwhitegold
Sat Mar 23, 2013 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Left Employer, 401k Questions r.e. Contributions & Rollover
Replies: 27
Views: 1507

Re: Do Models Always Fail When A Majority Applies Them?

The fact is that individual investors are a very small part of the market. So, if everyone followed the boglehead philosophy, they would continue to have minimal impact on the market. Buying index funds as money becomes available and selling them as needed to rebalance or to withdraw funds will not ...
by gtwhitegold
Sat Mar 23, 2013 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do Models Always Fail When A Majority Applies Them?
Replies: 16
Views: 1204

Re: What's your number? Why?

I am glad for you Mitchell777, I imagine that it feels good to be in that situation. I am far from it, but hopefully I will reach it earlier than i desire or expect. Allen I am at an age where I surely should know my number but I kept increasing it. Not good, I know. Mostly it is the real rates in f...
by gtwhitegold
Thu Mar 07, 2013 9:31 am
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21216

Re: Advice for Mid-20s, starting fresh with mutual funds

Personally, I would try to liquidate the Lending Club account. I am currently doing so myself and I wish that I had did something else with my money initially. If you do not wish to sell at a loss, then charge a premium of 1% or greater. A lot of loans will sell that way. I have sold some at a premi...
by gtwhitegold
Thu Mar 07, 2013 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for Mid-20s, starting fresh with mutual funds
Replies: 16
Views: 1773

Re: Bought a House - Thanks BH's!

Not that I was involved, but I am glad to hear that you are doing well and I wish you the best with the coming child.

Allen
by gtwhitegold
Thu Mar 07, 2013 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Bought a House - Thanks Bogleheads (BH)!
Replies: 9
Views: 939

Re: What's your number? Why?

I think that it doesn't matter what someone else thinks about your portfolio or your savings goals. As long as you're comfortable with it and you understand the advantages and disadvantages of it, then that is all that matters. If you expect to live exactly 41 2/3 years after you retire, then it is ...
by gtwhitegold
Thu Mar 07, 2013 9:08 am
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21216

Re: What's your number? Why?

My personal goal is to earn enough to be able to retire at age 55 and spend around $90,000 inflation adjusted per year and not prematurely exhaust my retirement savings. Considering that I will receive at least one guaranteed pension barring incident that increases with time in service and that I wi...
by gtwhitegold
Thu Mar 07, 2013 6:45 am
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21216

Fama French 3 Factor Values for Emerging Markets

I have downloaded the domestic and developed international values from the French website. Does someone maintain one for emerging markets or do you use the global values?

Allen
by gtwhitegold
Thu Mar 07, 2013 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Fama French 3 Factor Values for Emerging Markets
Replies: 0
Views: 127

Re: Asset Allocation and Portfolio Review

I am assuming that you can not change the allocation for your wife's pension fund, if so I would not include that in calculating your asset allocation. Also, you should use your employer 401k funds for the entirety your bond allocation. I would also consider increasing your bond allocation to above ...
by gtwhitegold
Fri Mar 01, 2013 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Portfolio Review
Replies: 4
Views: 556

Re: Electric cars (full electrics and plug-in hybrids)

Back on topic, from a purely economic standpoint, I do not believe that a used PHEV or EV would be considered cost effective as well. While a used 2011 Volt will cost around 6-7k less than a new model, that is still around 8k above a used 2011 Cruze Eco, so the amount of use required for a break eve...
by gtwhitegold
Fri Mar 01, 2013 8:38 am
 
Forum: Personal Consumer Issues
Topic: Electric cars (full electrics and plug-in hybrids)
Replies: 68
Views: 5705

Re: Starting a Roth IRA Where to begin

I agree with all stated before. If you have an employer 401k/457/403b, et cetera plan, with a relatively inexpensive target date fund (preferably less than 0.5% ER) available, then use it, otherwise you may have to divide into individual funds depending on expense ratios. If that is the case, ask fo...
by gtwhitegold
Fri Mar 01, 2013 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting a Roth IRA Where to begin
Replies: 4
Views: 600

Re: Vanguard announces emerging markets bond index fund (aga

Returns will likely be in the range of returns for EMB and PCY. Those are the two largest USD based EMB ETFs. All three will follow a different index. I personally have around $1200 in PCY and $2000 in FNMIX. I do not have a problem investing in emerging markets debt especially considering how more ...
by gtwhitegold
Fri Mar 01, 2013 7:24 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard announces emerging markets bond index fund (again)
Replies: 27
Views: 2255

Re: Is Med School still a good financial investment?

As EmergDoc mentioned, the military is an option. However, you mentioned that you are foreign born and did not mention your naturalization status. If you are a naturalized U.S. citizen, you can apply to the Uniformed Services University for the Health Sciences or for the Health Professions Scholarsh...
by gtwhitegold
Wed Feb 27, 2013 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 7665

Re: I'm new to the penny market, where to start?

The first stock that I ever bought was only slightly less risky than this. I purchased AMD at $15 in the summer of 1999 and set a limit sale at $50. In less than a year, I sold it after commissions with a return of over 300%, but that was very speculative. If their new CPU had not been adopted even ...
by gtwhitegold
Wed Feb 27, 2013 6:46 am
 
Forum: Investing - Theory, News & General
Topic: I'm new to the penny market, where to start?
Replies: 52
Views: 4047

Re: Paying cash for first house: A bad idea?

The only guaranteed advantage specifically of a mortgage is the current ability to deduct fees and interest from your taxes. The deductible amount is less than you pay in interest, so that is not a significant advantage. So, in order to see having a mortgage as an advantage is through speculation. I...
by gtwhitegold
Tue Feb 26, 2013 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying cash for first house: A bad idea?
Replies: 40
Views: 3165

Re: What caused the market crashes in Japan and U.S.?

If you think about it, we have probably had different type of market and property bubbles since we have had societies. As all resources are scarce, and as new things are found and developed, the likelihood of a bubble prior to classical times is great. Allen I think I read there is at least plausibl...
by gtwhitegold
Tue Feb 26, 2013 10:12 am
 
Forum: Investing - Theory, News & General
Topic: What caused the market crashes in Japan and U.S.?
Replies: 24
Views: 1674

U.S. to Canadian Dollar Exchange for Investments

I am looking into opening a Canadian brokerage account with Questrade in order to place recurring purchases of the Vanguard MSCI Canada ETF, VCE. I may also use it for my taxable account for other ETFs that are not available commission free through a major US brokerage house. My question is: what sh...
by gtwhitegold
Tue Feb 26, 2013 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: U.S. to Canadian Dollar Exchange for Investments
Replies: 2
Views: 234

Re: Where the good life comes at a price

This sounds like California before the great recession. When Australia falls, and it will likely fall, it has the potential to fall hard. Here's hoping that the cities and counties don't manage their funds as poorly as some areas of California did.

Allen
by gtwhitegold
Sun Feb 24, 2013 6:16 am
 
Forum: Personal Consumer Issues
Topic: Where the good life comes at a price
Replies: 2
Views: 717

Re: Only after a 150% stock market rally in 4 years...

I personally have about 25% of my portfolio in international equities, 84% total in equities, and about 14% in junk bonds, and about 2% in investment grade bonds, but I have accepted that level of volatility. I am able to be less risk adverse since I have a guaranteed pension that I will be able to ...
by gtwhitegold
Sun Feb 24, 2013 5:31 am
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12783

Re: size of accounts, number of accounts

Managing multiple accounts does not bother me. I use websites like wikinvest.com and futureadvisor.com to get an overview of my portfolio through the multiple accounts. I use multiple accounts in order to gain access to commission free ETFs and certain mutual funds in order to minimize transaction c...
by gtwhitegold
Sun Feb 24, 2013 4:37 am
 
Forum: Investing - Theory, News & General
Topic: size of accounts, number of accounts
Replies: 11
Views: 861

Re: Leveraged index funds (long term)

As mentioned at before, the daily leveraged ETFs have a great amount of tracking error and do not include dividends. Some ETNs with monthly resets may have less tracking error and some pay out dividends, but all that I know about are for very specific area of the market such as mortgage REITs, MLPs,...
by gtwhitegold
Sun Feb 24, 2013 1:49 am
 
Forum: Investing - Theory, News & General
Topic: Leveraged index funds (long term)
Replies: 44
Views: 1769

Re: Income/Net Worth and Age in Bonds

Since I am a servicemember and should receive at least 1, possibly 2 pensions when I officially retire, I am using that as my baseload for income. I currently have a little over 2% in investment grade bonds (completely international though) and I intend to add international inflation linked bonds to...
by gtwhitegold
Sun Feb 24, 2013 12:54 am
 
Forum: Investing - Theory, News & General
Topic: Income/Net Worth and Age in Bonds
Replies: 16
Views: 2726

Re: Move to Vanguard or stay with Charles Schwab?

One other thing to be considered is that Vanguard returns the proceeds of all securities lending to the fund, while Schwab likely only returns a portion of the proceeds, and since that would add to the return of the fund, it would create a positive tracking error over time as well, however small tha...
by gtwhitegold
Sun Feb 24, 2013 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Move to Vanguard or stay with Charles Schwab?
Replies: 34
Views: 4630

Re: Is there a rate at which it is irrational to pay off mor

I agree. For most people, I would recommend maximizing their tax advantaged space before trying to pay off a very low interest loan anyways. (As mentioned elsewhere, if it was an emergency, you could cash in a Roth IRA if necessary to make payments.) Allen Since mortgage payments are certain and ste...
by gtwhitegold
Mon Feb 18, 2013 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Is there a rate at which it is irrational to pay off mortgag
Replies: 54
Views: 4257

Re: electric cars

I totally agree. I just believe that there are 3 things necessary for EVs to gain widespread use: 1: Better batteries. Batteries that will allow for 3,000 cycles or more with solely fast charging technology. They will also need to significantly increase energy density. 2: More affordable. This will ...
by gtwhitegold
Mon Feb 18, 2013 8:46 am
 
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 122437

Re: Is there a rate at which it is irrational to pay off mor

With things as they stand now, I believe that someone with a mortgage below 5% will be in great shape in the future, since interest rates are very likely to go up in the future and guaranteed returns such as CDs may have a rate of return above 5%. So, it would be most logical to purchase those CDs a...
by gtwhitegold
Mon Feb 18, 2013 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Is there a rate at which it is irrational to pay off mortgag
Replies: 54
Views: 4257

Re: Trading at the Speed of Light

With high speed trading though, will it become useless eventually when there are too many computers attached in close proximity to NYSE's (or whoever's) central servers? One would cancel the other out so to speak.

Allen
by gtwhitegold
Mon Feb 18, 2013 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Trading at the Speed of Light
Replies: 34
Views: 2070

Re: electric cars

I personally would not try a long trip in an EV right now anyways. Maybe if I lived on the west coast where Tesla and others have many charging stations I would, but I don't. I currently live in a somewhat rural area of Japan, and don't really require an automobile right now since I am able to bicyc...
by gtwhitegold
Mon Feb 18, 2013 7:15 am
 
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 122437

Re: What now?

Something else to consider is do you qualify for loan forgiveness? I would try to find out what federal, state, and local programs I qualified for. Also, after the interest rate adjustment will the 3% be fixed for the life of the loan? If either are the case, I would put more emphasis on developing ...
by gtwhitegold
Mon Feb 18, 2013 2:29 am
 
Forum: Personal Finance (Not Investing)
Topic: What now?
Replies: 14
Views: 1810

Re: Deciding college for High School Graduate

There are two things that aren't being considered in this conversation. One is that a majority of the large and/or expensive universities have compensation packages for people of lower incomes so that they will attract the brightest students regardless of how rich their families are. If your child i...
by gtwhitegold
Sat Feb 16, 2013 3:15 am
 
Forum: Personal Consumer Issues
Topic: Deciding college for High School Graduate
Replies: 65
Views: 3566

Re: Running out of money

Honestly, I have no clue how much I will need to save in order to have a comfortable retirement. I currently plan on retiring at age 55 with my only income being my military pension, never advancing beyond E-6, and having to save the remainder. I have no clue what social security will look like in o...
by gtwhitegold
Mon Feb 11, 2013 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Running out of money
Replies: 51
Views: 7339

Re: General Portfolio Management Questions

I am regularly in the 15% tax bracket and am stationed overseas, so about 40% of my income is not taxable when I am in a taxable status and I normally spend several months of the year in a tax-free zone. This and my deductions normally only have me paying a small amount in state taxes and none or ve...
by gtwhitegold
Thu Dec 27, 2012 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: General Portfolio Management Questions
Replies: 5
Views: 353

General Portfolio Management Questions

I am active duty military and the majority of my investment funds are in the TSP and I can afford to contribute to the maximum in the Roth TSP and a Roth IRA, but not much taxable. I am trying to come close to balancing my portfolio to my desired allocation, but certain areas in international (such ...
by gtwhitegold
Thu Dec 27, 2012 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: General Portfolio Management Questions
Replies: 5
Views: 353

Re: when do you plan to change AA

I rebalance annually. I modify my allocations in my TSP after I have purchased the ETFs that I am interested in buying in my Roth IRA accounts.
by gtwhitegold
Tue Dec 25, 2012 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: when do you plan to change AA
Replies: 29
Views: 1861

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