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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
Thu Apr 23, 2015 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 47071

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 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 47071

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
Wed Apr 22, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 47071

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
Tue Apr 21, 2015 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2181

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 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2691

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
Sat Apr 18, 2015 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3033

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 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio is a mess. Please help me sort it out.
Replies: 20
Views: 2187

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 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3033

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
Fri Apr 17, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3033

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 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39149

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 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39149

Re: What are you up YTD?

How do you calculate your YTD returns?
by jay22
Wed Apr 15, 2015 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39149

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
Tue Apr 14, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: International Investing
Replies: 65
Views: 4306

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 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: 11055

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 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: 11055

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
Thu Apr 09, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2838

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 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached My Goal, Thanks, Major Life Changes Afoot
Replies: 14
Views: 2580

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 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: 11055

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
Wed Apr 08, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4490

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
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: 209
Views: 16493

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
Thu Apr 02, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 367
Views: 22857

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
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: 2924

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 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: How many of you invest in individual stocks?
Replies: 70
Views: 4879

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 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 19
Views: 1558

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...
by jay22
Sun Mar 29, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 19
Views: 1558

Re: More XIRR Questions

Is there a way to calculate YTD returns using XIRR, or is there a different formula to do that? Thanks.
by jay22
Sun Mar 29, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 19
Views: 1558

Re: What was your costliest investment mistake?

samuck wrote:The fact that I started to invest in 2013 - and not in 2009.

Same here! :oops:
by jay22
Wed Mar 25, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 13705

Re: Vanguard HealthCare Fund

I am guessing this won't be a good fund to hold in your taxable?
by jay22
Tue Mar 24, 2015 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6224

Re: Need a sanity check

One other thing to get a look at depending on where you are in the 28% federal tax bracket. Make sure your income this year will stay below the the roth IRA income limits so you don't over-fund in 2015 and then have to deal with trying to pry it out to avoid the penalty. Thanks. That would not be a...
by jay22
Fri Mar 20, 2015 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1583

Re: Need a sanity check

AFdoc wrote:Not much to add but just be aware that if you do choose to add REITs (such as REIT index fund), be sure they go into a tax-advantaged account and keep them out of taxable.

Yeah, I'll make sure of that. Still can't decide whether we should add REITs or Small Cap to the portfolio or not.
by jay22
Fri Mar 20, 2015 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1583

Re: Need a sanity check

Thanks for all the comments. I know 90/10 AA is a bit aggressive, but I am OK with that - I am willing to take that risk. I have enough cash in an online savings account that I can use if the market drops. Either way, my portfolio is not that huge, so a 90/10 is not a whole lot different than 80/20.
by jay22
Fri Mar 20, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1583

Re: Need a sanity check

jmndu99, I didn't know the limit has been increased for 2015. I have edited my post, thanks for the update.
by jay22
Thu Mar 19, 2015 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1583

Re: Need a sanity check

No reason to change the international allocation; but, are you aware Vanguard is going to 40% international in its target date funds? That's primarily I wanted to check whether it makes sense to increase the allocation. A lot of folks feel very stongly about both possible answers to that question. ...
by jay22
Thu Mar 19, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1583

Need a sanity check

Hi BHs, I want to get a sanity check from the wise heads here. We have been saving like crazy for the past 3 years or so and have reached the point where I want to make sure what I am doing makes sense, and/or make any changes if I need to. My portfolio is 100% indexed and I intend to keep it that w...
by jay22
Thu Mar 19, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1583

Re: To MBA or Not to MBA

mnsportsgeek wrote:If the company pays for it. Yes.
If it's out of your pocket. Don't waste your money.

This, in a nutshell.
by jay22
Wed Mar 18, 2015 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 4483

Re: Observations from a first time poster, long time reader.

Is it a bad thing that I do not know what a covered call is? :?
by jay22
Wed Mar 18, 2015 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 227
Views: 17194

Re: Can you quantify how Bogleheads has helped you?

I remember when I made my 1st post on this forum in Aug 2012. I was directionless, had no idea what to do and was utterly confused - didn't even know what an IRA is, let alone having an account. Almost 3 years later, I am close to having a 150K portfolio almost all of it is in TSM, TISM and TBM. I o...
by jay22
Sun Mar 15, 2015 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2074

Re: What are some common misconceptions found in this forum?

The 3 fund portfolio is perfection simplified . Yes, it is very good and quite simple. Sometimes simple can be too simple. The extra work for adding a product or 2 e.g. TIPS, won't complicate most people's life that they will pull their hair out when it comes time to rebalance. And, a prudent addit...
by jay22
Thu Mar 12, 2015 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18124

Re: High Cost of Fruits and Vegetables

Great thread! On similar lines, do you guys think it is worthwhile to spend extra on organic milk and eggs? I have spent hours researching online about organic vs inorganic milk, but haven't found anything conclusive. I would recommend it. Look for pasture raised eggs and organic non-UHT dairy. Sto...
by jay22
Tue Mar 10, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7447

Re: High Cost of Fruits and Vegetables

Great thread!

On similar lines, do you guys think it is worthwhile to spend extra on organic milk and eggs? I have spent hours researching online about organic vs inorganic milk, but haven't found anything conclusive.
by jay22
Tue Mar 10, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7447

Re: Credit Card "Benefits" that really mean something

We use them all the time. I try and keep up with everything and do my best to make sure I don't miss out. I figure it can offset the annual fee at least. Checks usually take 2-3 weeks to get, but they do show up. The only real expense we're out is shipping everything back to their processing center...
by jay22
Tue Mar 10, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card "Benefits" that really mean something
Replies: 13
Views: 2242

Re: Home workouts and motivation

Walk one hour per day, four to five days per week (more if the weather is nice and you feel well). Too many people do workouts that are unsustainable long-term and they burn out. I always wondered if just brisk walking is enough exercise for most. I know it is much better than nothing, but do you r...
by jay22
Mon Mar 09, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3092

Dress socks

Getting tired of wearing cheap socks from Target and Kohls and thinking of finally making the upgrade and get some good quality ones. Which ones would you recommend for daily office wear? Thanks!
by jay22
Sat Mar 07, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Dress socks
Replies: 7
Views: 736

Re: SACRAMENTO, CA AREA BOGLEHEADS

digarei, you raised some very valid points. I'd certainly be interested in meeting fellow BHs in this area.
by jay22
Sat Mar 07, 2015 9:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Bogleheads
Replies: 29
Views: 4487

Re: Washing Dress Shirts

I have always wondered what Livesoft, Valuethinker, LadyGeek, and some of the more prolific posters look like. I have to say that Livesoft sounds totally hot. Eats oatmeal, plays basketball, knows how to pay $0 on $200,000 of income , and most importantly, has washboard abs. Dang!!! Wait, what!? Ho...
by jay22
Fri Mar 06, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2842

Re: Why don't YOU follow Buffett's advice?

I am surprised he doesn't say anything about the need to have international exposure.

Thinking on those lines, didn't Bogle once also said that there is no need to have international funds in one's portfolio?
by jay22
Wed Mar 04, 2015 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 122
Views: 10806

Re: Career advice?

Thanks for the comments, LadyGeek. I have no problem being a manager or working with people. Infact, I actually excel in conducive team environments more than self managing roles - maybe I didn't frame my post correctly. It's the client politics that comes with it which stops me from taking a manage...
by jay22
Wed Feb 25, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1112

Re: Career advice?

Have you considered a MBA? I'm in the same industry working for a large firm as an analyst (3 years), but I want to make the jump to PM after I have enough years and I earn my PMP. Getting a MBA will be the next step to becoming a Program Manager for me. I don't see the point of doing an MBA, tbh. ...
by jay22
Wed Feb 25, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1112

Career advice?

I am looking to get career advice from people here who have worked in IT, especially in consulting. I changed jobs last year due to a move to CA and am currently working as a Sr. systems analyst for a mid-size consulting company which has a bunch of public sector clients. I have been working as an a...
by jay22
Wed Feb 25, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1112

Re: [favorite] Boglehead quotes

Stay the course, regardless!

Powerful stuff right there.
by jay22
Tue Feb 24, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3947
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