Search found 2378 matches

Return to advanced search

Re: Pfau: Valuation-based market timing improves returns

What was concluded - was Pfau right or not? Or did we end up with the usual opinions and call it a draw? Don't know that there was a conclusion, just differing points of view. I do know that the OP, after much discussion in the thread, did not implement the plan (he disappeared from the forums for ...
by kenyan
Thu Sep 11, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Valuation-based market timing improves returns
Replies: 6
Views: 1153

Re: Should I break my CD at Ally and get a new one's ?

Downside - you're going to make very little extra money off of this, and you're trading in a 60 day early withdrawal penalty for a 6 month early withdrawal penalty . What if CDs go up to 3% next year, or the next, or the next? That extra EWP will more than wipe out your gains. Back-of-the-envelope s...
by kenyan
Thu Sep 11, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1758

Re: Why don't the LifeStrategy funds have Admiral Status??

I've always thought there was no gap; that the ER was a direct prorating of the constituent funds. It is. Just look under "Fund Holdings" to see the funds held. So I just did a quick spreadsheet calc with Life StrategyGrowth VASGX which has a stated ER of 0.1700% I calculated a prorated E...
by kenyan
Thu Sep 11, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1288

Re: Why don't the LifeStrategy funds have Admiral Status??

I would GUESS they use the gap in fees to pay for the extra overhead of the fund, since it's a fund of funds....... Do they show what exactly the fund invests in?... Do they use the institutional share class of the base funds?? I've always thought there was no gap; that the ER was a direct proratin...
by kenyan
Thu Sep 11, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1288

Re: Why don't the LifeStrategy funds have Admiral Status??

Their funds-of-funds use Investor Shares. The minor exception is that they use their TBM 2 fund rather than TBM, which carries lower expenses and can't be invested with directly.
by kenyan
Thu Sep 11, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1288

Re: Pfau: Valuation-based market timing improves returns

Very long discussion of this topic/publication here, assuming it's the same work (didn't check to make sure, but the title is the same):

viewtopic.php?f=10&t=75585&newpost=1484011
by kenyan
Thu Sep 11, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Valuation-based market timing improves returns
Replies: 6
Views: 1153

Re: Why did REITs drop today?

Diversification. Sounds fine to me. They've had plenty of days this year of shooting up when the market was tame or down.
by kenyan
Thu Sep 11, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 3878

Re: Historical DCA returns for mutual funds

There are extra variables that can't be covered easily by a website; it depends upon what that individual's starting investment is, as well as the rate at which the money is coming in. To cut it even finer, it would also need the specific contribution dates for each period. The only real answer for ...
by kenyan
Wed Sep 10, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Historical DCA returns for mutual funds
Replies: 1
Views: 195

Re: Should I care about large cap value?

If you are looking for HML factor loading, RPV Guggenheim S&P 500 Pure Value might be a good option. Higher loading than DFLVX actually, pretty low expenses, and a much more impactful Large Value allocation than VIVAX. I currently own VIVAX, and certainly have no plan to spend money on an advis...
by kenyan
Wed Sep 10, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Should I care about large cap value?
Replies: 17
Views: 1048

Re: How much value can an advisor add for the average invest

Certainly, many people can benefit. However, if we are discussing the average investor, shouldn't we also discuss the average adviser? The majority of people in the field are salespeople first and foremost. I'm not sure how many of those would be performing the valuable services being discussed.
by kenyan
Wed Sep 10, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 67
Views: 3956

Re: Should I care about large cap value?

If you are looking for HML factor loading, RPV Guggenheim S&P 500 Pure Value might be a good option. Higher loading than DFLVX actually, pretty low expenses, and a much more impactful Large Value allocation than VIVAX. I currently own VIVAX, and certainly have no plan to spend money on an adviso...
by kenyan
Wed Sep 10, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Should I care about large cap value?
Replies: 17
Views: 1048

Re: "Why 97% of People Don't Use 529 College Savings Plans."

California does not offer a state tax benefit. However, due to state taxes our (long-term) capital gains tax rate for those in the 25% federal bracket is more on the order of 23-25% than the 15% many others pay.
by kenyan
Wed Sep 10, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10003

Re: What's the riskiest Bogleheadish asset?

One's personal residence could be the riskiest asset, depending upon your definition. Extreme concentration of capital/lack of diversification, with far more adverse consequences for many people in the latest crash than the charted assets being discussed above.
by kenyan
Wed Sep 10, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 74
Views: 6073

Re: So, when does a market timer get back in?

Laughing at market timers seems to be popular here, but the answer to the question posed in the subject line is simple. A proper technical trading system tells you when to enter and when to exit. If your strategy is to own stocks when the S&P is above its 200-day moving average, the price cross...
by kenyan
Mon Sep 08, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5496

Re: Market at a all time high ( Sept 2014) , time to cash ou

In the 15% bracket the taxes would be zero. Money from stock sale would go into current bond funds paying 2-3 %. No loss of income if fact may make a little more income. If anything the large capital gain is eating a hole in my pocket. If your large capital gain is your concern, address your concer...
by kenyan
Fri Sep 05, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Market at a all time high ( Sept 2014) , time to cash out?
Replies: 49
Views: 3669

Re: POLL: What was the first stock you ever bought?

36 years old, and I've never bought or owned (directly) a share of stock. I suppose I should try it out at some point, but I don't have a 'play money' allocation and don't intend on adding one in the near future.
by kenyan
Fri Sep 05, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2715

Re: FL Prepaid , 529, or side account

Taxable makes sense over the 529 in my mind for your case. No state tax, no capital gains tax, and no restrictions on your investments and capital.

Personally, I'd probably go taxable over the prepaid plan as well, but I can see an argument for trying that out.
by kenyan
Fri Sep 05, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: FL Prepaid , 529, or side account
Replies: 2
Views: 175

Re: "Vanguard 529 College Savings Plan cuts costs (again)"

I have some money with New York for that sweet 0.17% ER, but it's always worth remembering that California's plan became more competitive with its switch to TIAA-CREF: Index U.S. Equity Investment Portfolio (TSM): 0.12% Index U.S. Large Cap Equity Investment Portfolio (S&P 500): 0.11% Index Int...
by kenyan
Thu Sep 04, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 529 College Savings Plan cuts costs (again)"
Replies: 16
Views: 1479

Re: Rewards credit card advice

I wonder if any of you have calculated the value of airline miles earned and redeemed versus a cash back reward? I feel like I can rarely use my miles unless I pay more of them or change the days I fly., which affects net cost of leisure travel. If I spend about 50k a year on a two percent cash bac...
by kenyan
Thu Sep 04, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 33
Views: 4720

Re: Rewards credit card advice

I too highly recommend the Sallie Mae Mastercard for gas, groceries, and bookstores (where Amazon counts as a bookstore). 5% on the first $250/250/750 per month in those categories. No annual fee, and you don't need a Sallie Mae loan to apply or redeem - redemptions can be statement credits. Intere...
by kenyan
Wed Sep 03, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 33
Views: 4720

Re: Rewards credit card advice

One additional tip - use online shopping portals for cash back as well. ShopDiscover often has 5-10% additional cash back on stores you already planned to buy things at. Around the holidays, with 5% Discover category reward + 5-10% ShopDiscover, this can really add up. If not there, try FatWallet an...
by kenyan
Wed Sep 03, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 33
Views: 4720

Re: "Vanguard 529 College Savings Plan cuts costs (again)"

dickenjb wrote:Now they are only 2 bps more expensive than the NY plan, which also uses Vanguard funds.


Only the age-based options, it seems. Interesting that it costs more to select your own funds.

Nevertheless, this is all in the direction of goodness. Keep those low cost pressures up!
by kenyan
Wed Sep 03, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 529 College Savings Plan cuts costs (again)"
Replies: 16
Views: 1479

Re: Help: I've been chasing returns

My AA is currently 100% stocks My 2013 returns were phenomenal (25.5%) To put things in perspective - you think your 2013 returns were phenomenal, but that's just the sort of thinking that keeps active managers fat and happy. Your 2013 returns were actually horrifically bad, considering your asset ...
by kenyan
Tue Sep 02, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: I've been chasing returns
Replies: 12
Views: 1540

Re: Saving for Down Payment

I tend to be one of the voices in support of a more aggressive asset allocation for down payment savings than is generally recommended on this forum. Most people will say that "stocks are not appropriate for a goal less than (5-10) years; you should be in money markets/cash, CDs only." I g...
by kenyan
Tue Sep 02, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for Down Payment
Replies: 11
Views: 911

Re: Two Roth IRAs - New Millenium Fund vs. Admiral shares

I'm a 23 year old who is new to investing and I want to make sure I start off on the right foot. I have a Roth IRA with Fidelity and it currently holds ~3700. I am willing to take risk and I have been buying shares of the New Millenium fund because I believe in the Top 10 holdings of the fund. The ...
by kenyan
Tue Sep 02, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Two Roth IRAs - New Millenium Fund vs. Admiral shares
Replies: 1
Views: 245

Re: E

If you believe in warning signs, the dot-com crash had those warning signs blaring starting in 1995 or so. The entire chart you posted is therefore meaningless, since you were mostly in bonds for that period. The truth is that there are always warning signs; it's only in retrospect that we know whi...
by kenyan
Tue Sep 02, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6213

Re: Why invest in bonds?

If you believe in warning signs, the dot-com crash had those warning signs blaring starting in 1995 or so. The entire chart you posted is therefore meaningless, since you were mostly in bonds for that period. The truth is that there are always warning signs; it's only in retrospect that we know whic...
by kenyan
Tue Sep 02, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6213

Re: The Mega Backdoor Roth IRA

My plan recently changed to allow for the 'mega backdoor roth ira' deal. I am seriously thinking about doing this, but I have wondering if it would be prudent to keep these roth conversions in a separate roth ira from the one i've been doing the regular backdoor conversions with. I could keep one e...
by kenyan
Mon Sep 01, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 134
Views: 19691

Re: Why invest in bonds?

Charts don't tell the whole story. Rather than someone who invests once in 1994, consider someone who is investing periodically, like most real (non-retired) people. A glance at a chart of VBIIX (Intermediate, high-quality bonds) versus VFIAX (100% stocks) seems to indicate that the all-stock invest...
by kenyan
Mon Sep 01, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6213

Re: Replicating VTSAX from my 401K

Thanks for the assistance... Here is my proposed asset allocation for my 401K: 45% VINIX (Vanguard Inst. Index) .04% 11% VIEIX (Vanguard Extended Market Index) .08% 24% VTIAX (Vanguard Total Intl. Stock Index) .14% 20% VBTIX( Vanguard Total Bond Index) .07% Does this look correct? That is correct i...
by kenyan
Fri Aug 22, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Replicating VTSAX from my 401K
Replies: 4
Views: 554

Re: small cap: vb vs ijs vs des

perhaps i'm missing the point... why would you not want dividends? i am thinking that i love especially monthly dividends so that it's buying into the market as dollar cost averaging? You would not want dividends if you have the fund in a taxable account and are not immediately using the funds. It ...
by kenyan
Fri Aug 22, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: small cap: vb vs ijs vs des
Replies: 7
Views: 615

Re: Replicating VTSAX from my 401K

In case it's not clear, VINIX = VFINX, and VIEIX = VEXMX in every way except expenses - you have the nicer, cheaper versions available to you.
by kenyan
Thu Aug 21, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Replicating VTSAX from my 401K
Replies: 4
Views: 554

Re: Low Tax Bracket & Almost Retired - Tax Exempt or Not??

I'm confused. Based on the info below, it looks like muni's are a better deal in either the 15 or 25 % brackets. What am I missing? Baird Intermediate (BMBIX) ave duration: 4.62 ave credit: AA 30-day SEC yield: 1.66 iShares 3-7 year Treasury (IEI) ave duration: 4.52 ave credit: AA 30-day SEC yield:...
by kenyan
Thu Aug 21, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Tax Bracket & Almost Retired - Tax Exempt or Not??
Replies: 11
Views: 1133

Re: Simplisafe Home Security Systems

I researched going this route a while ago. We decided to go with guardian. I read through the simpli safe forums. The major problem I had was the lack of options. I prefer to have a glass break sensor on my system. For years they were promising this technology but never delivered. This was not unco...
by kenyan
Wed Aug 20, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 34
Views: 2299

Re: Way to maximize Retirement Savings Contribution Credit

Why not get her to change her withholding, such that she receives the $500 throughout the year instead of as a refund?
by kenyan
Wed Aug 20, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Way to maximize Retirement Savings Contribution Credit
Replies: 11
Views: 557

Re: Simplisafe Home Security Systems

sorry for being so ignorant, but if you don't subscribe to the monitoring service and there is an intruder do you get an email or a text on your cell phone, or multiple cell phones? Plus a siren at home that will go off? how does the alarm work in case of an intruder? Thanks for all the replies If ...
by kenyan
Tue Aug 19, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 34
Views: 2299

Re: Simplisafe Home Security Systems

kenyan - The big vulnerability in the system is that the base station needs to survive the 30 seconds (or however long you set it up to be) between when a sensor is tripped and when the system contacts the monitoring center. The base is silent during this time, but if the burglar finds and destroys...
by kenyan
Tue Aug 19, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 34
Views: 2299

Re: Simplisafe Home Security Systems

We have been using SimpliSafe ($15 plan) for just under a year. Our keypad is starting to ask for new batteries, but it just uses 4 AA batteries, so that's no big deal. Sensors are supposed to last for several years, as others have noted. Definitely would recommend using them over any of the expensi...
by kenyan
Tue Aug 19, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 34
Views: 2299

Re: difference in performance between VXUS and VTIAX

Vanguard did switch the indices being tracked for these funds back in the first half of 2013, from MSCI to CRSP. Some of the difference you're seeing there may be due to the transaction costs associated with that switch (completed July 2013, right around where the meaningful divergence is). I'm spec...
by kenyan
Tue Aug 19, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: difference in performance between VXUS and VTIAX
Replies: 12
Views: 1134

Re: Your biggest "Missed Money" event that still kills you?

Nothing, really. I'm not going to pretend that I was contemplating sinking my life savings into Apple/Netflix/bitcoins/whatever and didn't, so I don't consider those to somehow be missed opportunities. I've had people recommend various stocks that did nothing, and I'm sure that most of those who are...
by kenyan
Mon Aug 18, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8082

Re: Is PIMCO Bond fund 50% cash?

You even get to pay a 4.75% load for the privilege of owning OPIGX, which isn't reflected in Morningstar data. We don't have Class A shares available in our SIMPLE IRA, so I'd have to settle for the Class C shares, which carry a 1.65% ER (down from over 2%, so you have to give them credit!). In orde...
by kenyan
Mon Aug 18, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2911

Re: young Index Funds

Of course, if you're trying to add a Mid-Cap Growth Index Fund (or a Small-Cap Growth Index Fund), then this fund fails on those accounts. It's Small-cap Blend. Do you know why desire a Mid-Cap Growth fund to add to your portfolio?
by kenyan
Thu Aug 14, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: young Index Funds
Replies: 7
Views: 776

Re: Any Opinions on Mirrorless Cameras?

I just bought a Sony NEX-5TL for my wife for our anniversary. It was necessary to get a better camera to capture our growing children - cell phone cameras are convenient, but inadequate for many of the shots we have been taken lately (outdoors, imperfect lighting, and especially with moving targets,...
by kenyan
Thu Aug 14, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2099

Re: Asset Allocation Help / Placement of Funds for Tax Purpo

Wow, this is great advice. Thank you so much! There may not be a simple answer to this, but I'll ask anyway: For long term investing in a taxable account, how does the real return of I-bonds compare with a Total Bond Market Index like VBTLX? As noted, I bonds are not marketable securities, so it's ...
by kenyan
Thu Aug 14, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 762

Re: Asset Allocation Help / Placement of Funds for Tax Purpo

Looks like a very sound plan. The Target Retirement funds make it a little more complicated, but since you're going with 3-fund, it shouldn't be that difficult to manage. A couple of other options you could look at for more tax efficiency - Series I savings bonds to replace some of your taxable inve...
by kenyan
Tue Aug 12, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 762

Re: Renting forever: financial suicide?

I don't know all of your details, but I think it would be a much worse decision to force a house/condo purchase upon yourselves that you aren't ready for. Buying something that you'll likely sell in a few years, such as a 1-br condo, is throwing a huge chunk of money down the drain (transaction cost...
by kenyan
Tue Aug 12, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10996

Re: Where do you buy clothes?

Target for general stuff. Jos A Bank "quantity guaranteed" for dress shirts, which I greatly prefer to the general department store/warehouse store brands. Under Armour outlet (via ShopDiscover for 16% cash back) for my athletic and casual shirts - a bit pricier than my other choices, but ...
by kenyan
Mon Aug 11, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9223

Re: tax efficient help with VGSIX and VIPSX

I don't think your question is that clear. It is true that neither of these funds are tax-efficient. Are you asking which types of accounts are appropriate to hold the funds? You have the TSP, which does not offer these funds. Do you have a 401k/403b/457? These are appropriate places to hold such fu...
by kenyan
Mon Aug 11, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: tax efficient help with VGSIX and VIPSX
Replies: 11
Views: 763

Re: average American eats out 203 times per year

I was significantly over that number until recently. Now that I switched my lunches to a protein shake + other items brought from home, I'm probably under it. Let's see, though - 30 days traveling for work * 3 = 90 meals + 2 lunches/month at work (hasn't happened yet but probably will at some point)...
by kenyan
Fri Aug 08, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6484

Re: U.S. stocks in freefall

Every fund we own is up between 2-17% for the year, except for a crappy high-fee actively managed fund that is regularly emptied out in my wife's SIMPLE IRA. I'm not sure what all the fuss is about. I also don't see how people think that things are 'on sale' due to these minor drops. Rebalancing ban...
by kenyan
Fri Aug 08, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 136226
Next

Return to advanced search