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by jay22
Fri May 22, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4307

Re: Too late to invest in Health Care Fund?

You might want to look into IBB as well - maybe split it between VG HC Fund, and IBB?
by jay22
Sun May 17, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4019

Re: Emerging Markets: Yes or No?

Gale wrote:Burton G. Malkiel view on Emerging Markets:

https://blog.wealthfront.com/emerging-markets/

Thanks for posting this. I think this blog post clears up a lot of misconceptions.

Is Malkiel related to Wealthfront in any way?
by jay22
Sun May 17, 2015 10:22 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4019

Re: Emerging Markets: Yes or No?

Interesting discussion. My 30% International allocation is divided as: FSIVX (35%) and VGTSX (65%). So I am clearly under-weighted on EMs. I guess I will just start allocating future money to EM Index to get it up to market cap. Let's' do the math. 1. VGTSX is not underweighted in EM at all, so it ...
by jay22
Sun May 17, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4019

Re: Emerging Markets: Yes or No?

Interesting discussion. My 30% International allocation is divided as: FSIVX (35%) and VGTSX (65%). So I am clearly under-weighted on EMs. I guess I will just start allocating future money to EM Index to get it up to market cap.
by jay22
Sat May 16, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Differences among Vanguard International funds?
Replies: 10
Views: 2983

Re: Differences among Vanguard International funds?

Livesoft, thanks for posting this. Right now, all my international allocation is in VG TISM and FSIVX. So, I have really small emerging market exposure. I would want to divide it into Developed & Emerging now. Do you think 50% developed and 50% emerging the right approach to take? No, I think t...
by jay22
Sat May 16, 2015 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Differences among Vanguard International funds?
Replies: 10
Views: 2983

Re: Differences among Vanguard International funds?

Livesoft, thanks for posting this. Right now, all my international allocation is in VG TISM and FSIVX. So, I have really small emerging market exposure. I would want to divide it into Developed & Emerging now. Do you think 50% developed and 50% emerging the right approach to take?
by jay22
Sat May 16, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap
Replies: 24
Views: 1860

Re: International Small Cap

Right now, all my international allocation is in FSIVX and VGTSX, but I want to further divide it into Emerging & Developed as well. Not sure how I feel about the tilt/allocation to small, though. Which funds would you recommend to divide VGTSX into Emerging+Developed? The chart in this thread ...
by jay22
Fri May 15, 2015 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap
Replies: 24
Views: 1860

Re: International Small Cap

Interesting discussion. Does it make more sense to divide your international allocation as Developed+Emerging markets, or Foreign Large+Foreign Small? Good question. I look at Emerging Markets as a separate entity from Large vs Small . The bulk of my international allocation in FSIVX, Fidelity's lo...
by jay22
Fri May 15, 2015 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap
Replies: 24
Views: 1860

Re: International Small Cap

One thing to consider is that international small cap is the one type of fund where active beats index slightly more than half the time over 1, 3, and 5 year periods even though international small caps tend to have some of the highest costs. See page 11 here: http://www.spindices.com/documents/spi...
by jay22
Fri May 15, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap
Replies: 24
Views: 1860

Re: International Small Cap

Interesting discussion.

Does it make more sense to divide your international allocation as Developed+Emerging markets, or Foreign Large+Foreign Small?
by jay22
Fri May 15, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4307

Re: Too late to invest in Health Care Fund?

I'm considering buying the Health Care Fund ( VGHCX ) to diversify a bit, but after looking at the trend, it's sky high right now and I feel like it's very unstable right now, the bubble is about to burst soon. But at the same time, I don't want to be accused of being a market timer. Health care is...
by jay22
Fri May 15, 2015 11:14 am
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4307

Re: Too late to invest in Health Care Fund?

I'm considering buying the Health Care Fund ( VGHCX ) to diversify a bit, but after looking at the trend, it's sky high right now and I feel like it's very unstable right now, the bubble is about to burst soon. But at the same time, I don't want to be accused of being a market timer. Health care is...
by jay22
Fri May 15, 2015 10:41 am
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 56
Views: 4307

Re: Too late to invest in Health Care Fund?

I decided to put 5% of my portfolio in this fund last month for a long term horizon. I am not sure why you'd say it is too late to invest in this fund. I do not know whether this move will pay off or not, but I am willing to make a bet on this fund based on the excellent management, superior returns...
by jay22
Mon May 11, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 201
Views: 36940

Re: Share your networth progression

I've only tracked since 1/2007. I can guess a starting number of $0 in 1993 when I was one year out of college and just drained my savings to pay off student loans. January 1993 $0 ... 2007 $250,538 2008 $315,649 2009 $351,306 2010 $585,688 2011 $670,171 2012 $781,338 2013 $1,031,978 2014 $1,307,84...
by jay22
Thu May 07, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: A Yale Portfolio Slice 'n Dice Question
Replies: 34
Views: 2181

Re: A Yale Portfolio Slice 'n Dice Question

Thanks for posting this. So they have only 5% bonds and 13% International Equity? That seems pretty low to me.
by jay22
Thu May 07, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: A Yale Portfolio Slice 'n Dice Question
Replies: 34
Views: 2181

Re: A Yale Portfolio Slice 'n Dice Question

Just to be clear, the portfolio being discussed is not the Yale Endowment portfolio--it's what David Swensen (who manages Yale's portfolio) recommended for "regular" investors in his 2005 book Unconventional Success . Yale's actual portfolio looks nothing like this. Yep, this text from th...
by jay22
Tue May 05, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: Best Time of Year to Rebalance Portfolio?
Replies: 54
Views: 4025

Re: Best Time of Year to Rebalance Portfolio?

I re-balance when I add new money to my portfolio. I also have a benchmark to re-balance it when it goes +/- 5% of the desired allocation. Since I started investing, I haven't had a need to use the 2nd method, so I only do when I make monthly/bi-monthly contributions.
by jay22
Sun May 03, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1097
Views: 506622

Re: Why International ?

Taylor, do you agree with Mr. Bogle when he says that most investors need not diversify to international equities? In other words, do you personally think that a Two Fund Portfolio (TSM + TBM) is better than Three Fund Portfolio (TSM + TISM + TBM)? Jay: I added Total International to The Three Fund...
by jay22
Sun May 03, 2015 1:45 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1097
Views: 506622

Re: The Three Fund Portfolio

Hi jay22, You may be interested to read the thread I recently started asking almost that exact same question. It was very enlightening thanks to the help of fellow Bogleheads: How important is an international allocation? If you are specifically interested in Taylor's thoughts on the matter, I'd en...
by jay22
Sun May 03, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1097
Views: 506622

Re: The Three Fund Portfolio

Taylor, do you agree with Mr. Bogle when he says that most investors need not diversify to international equities? In other words, do you personally think that a Two Fund Portfolio (TSM + TBM) is better than Three Fund Portfolio (TSM + TISM + TBM)?
by jay22
Sun May 03, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 85
Views: 13415

Re: A Returns Spreadsheet for Bogleheads

Best spreadsheet ever. I maintain a couple of spreadsheets for investment purposes, but they are no where near as sophisticated as this one. Cannot thank you enough for putting the effort and creating this. :sharebeer
by jay22
Mon Apr 27, 2015 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2481

Re: Tax Loss Harvesting: How do you do it in practice?

I have two metrics: ⋅ If it's making the news that the markets are crashing, look to see if it's worth it. ⋅ Never close the tax year with a down position -- no matter how small, sell anything that's a loss in the last week of December. Could you eloborate on the 2nd point? If i...
by jay22
Sun Apr 26, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 713
Views: 103638

Re: What Book Are You Currently Reading? Part VI

I just finished All the Light We Cannot See , which is the best fiction book I have read in years. I can 2nd this. Really a good one. I know two other people who have read it and agree it is one of the best books they have ever read. This book is a masterpiece. Great story and well-written. Just fi...
by jay22
Sun Apr 26, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 149581

Re: TV show recommendations?

abuss368 wrote:I am thinking about watching The West Wing on Netflix. Anyone recommend?

You'd love it if you liked House of Cards.
by jay22
Sun Apr 26, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 149581

Re: TV show recommendations?

Watching The Wire again these days.

Unarguably the greatest TV series ever to be produced. Top class stuff.
by jay22
Thu Apr 23, 2015 8:19 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 357
Views: 49494

Re: Rick Ferri looking to internationalize his portfolio

Rick Ferri wrote:
jay22 wrote:
abuss368 wrote:Total International is outperforming Total Stock this year!

That would explain Rick's strategy above. ;-)


Ha! I published my thoughts on January 1, 2015. So there! :D

Rick Ferri

I guess I should call you a market predictor, rather than a market timer then. :D
by jay22
Wed Apr 22, 2015 6:08 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 357
Views: 49494

Re: Rick Ferri looking to internationalize his portfolio

abuss368 wrote:Total International is outperforming Total Stock this year!

That would explain Rick's strategy above. ;-)
by jay22
Wed Apr 22, 2015 11:32 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 357
Views: 49494

Re: Rick Ferri looking to internationalize his portfolio

he predicts all this amazing stuff about international equities in the blog (none of which has come true so far), It hasn't? International is not outperforming this year? I must have missed something. Please fill me in. FWIW, as I stated in the blog, I plan to increase my allocation to internationa...
by jay22
Tue Apr 21, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2274

Re: Great little interview with John Bogle

On one hand Bogle says we do not need any international funds. On the other hand, VG is increasing its International allocation in the TR funds.

I wonder why there is such a disconnect between the two.
by jay22
Sat Apr 18, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2792

Re: Help Evaluating Federal Job Offer

OP, you're getting a 15% increase working for the Feds and you are debating whether to take it or not? Take it before they hire someone else!! I tried to find a state job in IT when I moved to CA, most state jobs here do not pay well though. Even with the amazing benefits, I'd take a 25% pay cut if ...
by jay22
Sat Apr 18, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3086

Re: NY Times Article - Active Mutual Funds

For me, the difference between active fund investing and passive investing is not that active funds often or half-the-time do worse than some benchmark, it is picking the right fund. There have been some great active funds (such as Fidelity's Contra fund), but it is still far easier to pick an inde...
by jay22
Fri Apr 17, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio is a mess. Please help me sort it out.
Replies: 20
Views: 2239

Re: My Portfolio is a mess. Please help me sort it out.

I do not understand why you would want to do and 2.4% and 10.4% bonds per Personal Capital. Those seem pretty odd %ages to me.
by jay22
Fri Apr 17, 2015 4:36 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3086

Re: NY Times Article - Active Mutual Funds

If you want to pick active funds, at least pick something at Vanguard where they are low cost and have a history of great performance with managers who have proven track records. Except that U.S. Growth, the high flyer in the 90's, became a real dog. RM Yeah, not every active fund VG starts is goin...
by jay22
Fri Apr 17, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3086

Re: NY Times Article - Active Mutual Funds

If you want to pick active funds, at least pick something at Vanguard where they are low cost and have a history of great performance with managers who have proven track records.
by jay22
Wed Apr 15, 2015 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 40978

Re: What are you up YTD?

Sunny Sarkar wrote:
jay22 wrote:How do you calculate your YTD returns?

Vanguard login > My Accounts > Investment Prices & Returns > Personal Performance > YTD

That only gives the $ amount, not the percentage. Or did I miss something here?
by jay22
Wed Apr 15, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 40978

Re: What are you up YTD?

How do you calculate your YTD returns? I use MS Money which uses the XIRR() algorithm. I put EVERY SINGLE transaction into this FREE software for ALL my accounts. So this includes even the little bit of cash dividends earning 0.001% still waiting to be invested, all the contributions, all the withd...
by jay22
Wed Apr 15, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 40978

Re: What are you up YTD?

How do you calculate your YTD returns?
by jay22
Tue Apr 14, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: International Investing
Replies: 65
Views: 4420

Re: International Investing

I just go with 30% because of the Vanguard study which says 20-40% is the sweet spot. Will it pay off in the future? Who knows?
by jay22
Thu Apr 09, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 11463

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Well, I will give you the weather, although I'd say it's only bad for 3 months a year in Kansas City... I love fall (October is beautiful - nice cool days, trees changing colors), and although November and December can sometimes (often?) have bad weather, that never seems to bother me with the holi...
by jay22
Thu Apr 09, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 11463

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Now what you're not seeing is the fact that you can still make 6 figures here, but the cost of living is incredibly low. So people from Nebraska seem to have more fun money that they can use to travel, buy bigger houses, retire early, or spend on boats and lake cabins and hunting lodges, classic ca...
by jay22
Thu Apr 09, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 3001

Re: Planning Washington DC Sightseeing

After you are done sight seeing, make sure you eat at least one lunch or dinner here:

http://www.yelp.com/biz/amsterdam-falaf ... shington-4

You can thank me later. ;-)
by jay22
Wed Apr 08, 2015 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Reached My Goal, Thanks, Major Life Changes Afoot
Replies: 14
Views: 2655

Re: Reached My Goal, Thanks, Major Life Changes Afoot

Wait, you both have saved 500K in 3 years!? Please tell us which company you work for. ;)

Many congrats on your success!
by jay22
Wed Apr 08, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 11463

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

I think your analysis is true to some extent. I have friends from grad school who work there and make their annual family income is around 250K. None of them is comfortable buying a house in the areas they want. Good schools and commute is always a factor. Those who bought in the 2009-2012 time fram...
by jay22
Wed Apr 08, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4639

Re: 2 commas and mortgage-free

Congrats! Mind telling us how long did it take you to reach 1M and 2M from 100K, and what was your savings rate?
by jay22
Mon Apr 06, 2015 11:58 am
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 257
Views: 23514

Re: Do you think Ric Edelman is correct, never pay down mort

We recently purchased our 1st home. The way I see it, investing 50% of your extra cash and putting the rest 50% towards your principal is a good enough compromise, even with a low mortgage interest rate. The emotional and psychological benefits of having a paid off home cannot be stated in numbers.
by jay22
Thu Apr 02, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27601

Re: Will you buy an Apple Watch?

logicon wrote:I read an absolutely fascinating article in Wired today about the history of the Apple Watch: http://www.wired.com/2015/04/the-apple-watch/

Even if you don't believe the Apple Watch will be a hit, I highly recommend reading this piece.

That's a fascinating article. Thanks for posting it.
by jay22
Wed Apr 01, 2015 1:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 17
Views: 3036

Re: Vanguard FTSE All-World ex-US Small-Cap ETF

FWIW: VINEX has outperformed VFSVX and VSS over the past five years. I chose VINEX on the theory (data-free but intuitively sensible!) that foreign small caps are not as efficiently traded as is, say, the S&P 500, and therefore a good manager can still find value in this market and beat the ind...
by jay22
Sun Mar 29, 2015 4:51 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 5268

Re: How many of you invest in individual stocks?

Never owned one. I started investing with index funds and plan to continue doing so. That said, I do sometimes wonder if I should invest in B shares of Berkshire Hathaway, just to see how it goes.
by jay22
Sun Mar 29, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 19
Views: 1615

Re: More XIRR Questions

OK, got it. So if the first date is, for example, 8/1/2014 and the last is 12/31/2014, it gives me the annualized returns and not the returns for the 8/14-12/14 period?
by jay22
Sun Mar 29, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 19
Views: 1615

Re: More XIRR Questions

XIRR gives you the annualized rate of return. In the case of a period that is less than one year, as would be for YTD calculations, you need to adjust the XIRR output. It's relatively painless though: YTD = (1 + @XIRR)^(#days/365.25), where #days is the number of days thus far in the year and 365.2...

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