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Critique my investment security plan

For security in managing investments, but if you know a good security forum for me to post this, please let me know. Goals: > Protect account assets from theft. > Easy on user, after a difficult setup. The main trick is two part broker (and bank) passwords. The second part is simple so you can memor...
by lazyday
Thu Nov 27, 2014 5:40 am
 
Forum: Investing - Theory, News & General
Topic: Critique my investment security plan
Replies: 1
Views: 121

Re: Variable asset allocation

Depending on why you were in cash, and what you did / how you felt in the 2008-9 panic, you might want to make sure you are truly comfortable with 75% equity. I'm very aware of the difference in final returns should one start at the bottom of the market or the top. Isn't it more important if you end...
by lazyday
Thu Nov 27, 2014 4:18 am
 
Forum: Investing - Theory, News & General
Topic: Variable asset allocation
Replies: 3
Views: 235

Re: Opinions Please - REIT's vs. EM

Some could argue that you would be increasing risk. You already have exposure to EM; this would give you a significant overweight. I guess you could compare standard deviations of REIT vs EM, look at historical correlations of REIT and EM to the rest of your portfolio, and consider how each did in p...
by lazyday
Thu Nov 27, 2014 2:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions Please - REIT's vs. EM
Replies: 9
Views: 599

Re: POLL: Attitude Towards Risk

Any answer might be sensible. If $250 were a lot of money to me but I had $750 to spare, I'd choose B&C. If I couldn't easily afford to lose $750, I'd choose A&C so at least I'd only lose $510. If even a $510 loss would ruin me, then I'd choose B&D so only have a 9/16 chance of ruin. If ...
by lazyday
Thu Nov 27, 2014 1:43 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 45
Views: 1326

Re: Meet the fund industry’s new, opaque creation: ETMF

Didn't Vanguard have trouble getting SEC approval for some ETFs it wanted to launch? Maybe for some of the bond funds? This new structure might be helpful if Vg can make a new ETMF share class for funds like the TIPS fund or VFSTX Short Term Inv Grade fund. I assume that like with an ETF, low basis ...
by lazyday
Thu Nov 27, 2014 1:14 am
 
Forum: Investing - Theory, News & General
Topic: Meet the fund industry’s new, opaque creation: ETMF
Replies: 2
Views: 639

Re: POLL: Attitude Towards Risk

I was thinking B&C, but then realized that B&D gives me a 3/16 chance of avoiding any paperwork or movement of money.
by lazyday
Wed Nov 26, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 45
Views: 1326

Re: International and Emerging Markets Small Cap Value

You might consider PDN and SFILX as midcap or smallcap. Both are developed ex-US.

Over the last 5 years on average, they have tracked the index after ER: viewtopic.php?f=10&t=151020#p2265430
by lazyday
Tue Nov 25, 2014 4:17 am
 
Forum: Investing - Help with Personal Investments
Topic: International and Emerging Markets Small Cap Value
Replies: 13
Views: 1871

Re: International and Emerging Markets Small Cap Value

trailing 1 year returns: EEMS : index 14.20%, ETF 13.59%, difference: 0.61% EWX : index 16.05%, ETF 14.78%, difference 1.27% DGS : index 8.73%, ETF 8.33%, difference 0.40% To reduce problems of stale market prices and exchange rates, I've compared the fund index to fund NAV, instead of fund market ...
by lazyday
Tue Nov 25, 2014 2:33 am
 
Forum: Investing - Help with Personal Investments
Topic: International and Emerging Markets Small Cap Value
Replies: 13
Views: 1871

Re: a look at the size premium and BtM

Value stocks are considered the top 30 percent of equities when ranked by BtM (or other value metrics). On the other hand, small stocks are considered the bottom 50 percent when ranked by market cap. Is this just to make the H in HML noticeably different from the L? Is it true that using portfolio ...
by lazyday
Tue Nov 25, 2014 1:59 am
 
Forum: Investing - Theory, News & General
Topic: a look at the size premium and BtM
Replies: 5
Views: 680

Re: How to Plan for an Unknown Future

I think it helps to build in flexibility, including with diversification. For example, try to split assets between taxable, tax deferred (such as IRA), tax free (such as Roth IRA). Maybe have some taxable assets with low cost basis, some with moderate basis. You might try to keep open the chance of ...
by lazyday
Mon Nov 24, 2014 8:12 am
 
Forum: Investing - Theory, News & General
Topic: How to Plan for an Unknown Future
Replies: 23
Views: 1844

Re: Trustee-Broker Disagree over Allocation/Investments

I would also appreciate recommendations for short, encouraging articles on index funds, to get them (or husbands) started right direction. Anything too comprehensive might get shelved because they are so busy with children. I haven't read this yet, but his other works are very good: http://www.amaz...
by lazyday
Mon Nov 24, 2014 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Trustee-Broker Disagree over Allocation/Investments
Replies: 18
Views: 1455

Re: Bogleheads, anyone doing "Black Friday"

Yeah, last time I shopped in person on something like Black Friday was as a child when my mother made me go with her. :) Probably the day after Christmas. But I've done online sales for several years. Unfortunately, I think the online sales used to be great on BF itself, but have spread out to start...
by lazyday
Mon Nov 24, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 58
Views: 4264

Re: I Bond Refund Tax Year 2014 $5K Per Return

If the inflation + fixed % income is under 2% total, then even a 6 month delay for $5000 will cost you under $50 in lost income.

There's other threads on paper vs electronic. I like paper because they have more protection from theft, and might be easier on heirs after my death.
by lazyday
Mon Nov 24, 2014 1:05 am
 
Forum: Investing - Theory, News & General
Topic: I Bond Refund Tax Year 2014 $5K Per Return
Replies: 11
Views: 1076

Re: My Health care monthly premiums doubled after ACA

My income is under 12k so no subsidy. Do you mean a little under, or far under? You only need 100% of FPL (federal poverty level) to qualify, so if you're at $11,000 and single, then you only need a tiny bit more. If I had some pre-tax money. LOL If you're very close, maybe you could make a new pos...
by lazyday
Mon Nov 24, 2014 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3226

Re: Vanguard offers login security code

Sidney, I'm not sure about Vanguard but some brokers allow you to set up a separate read only ID. I've never tried this but might if I had a lot of tax data to input. It would be nice if you could download the data into a format that TaxAct could read, so that you don't need to give the software any...
by lazyday
Sat Nov 22, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 70
Views: 6145

Re: Vanguard offers login security code

I've started to write up a security plan, like Bob has above, but very different strategies.

Does anyone know of a good electronic security forum where I can post it for critique?
by lazyday
Sat Nov 22, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 70
Views: 6145

Re: Why I will fund retirement with TIPs ladder no matter wh

making my decision to build a TIPs ladder to fund my retirement no matter what the real yield look like. Using only TIPS to fund a retirement is expensive. You would need to have a large portfolio. If you would enjoy spending more than the TIPS portfolio allows, you will probably give up a lot of l...
by lazyday
Sat Nov 22, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 55
Views: 4351

Re: Vanguard offers login security code

Here's a post on a site that lists banks, brokers, email, etc with 2FA: viewtopic.php?f=10&t=150266
by lazyday
Sat Nov 22, 2014 5:55 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 70
Views: 6145

Re: Will stocks beat bonds over next 30 years?

As for 30 years of stocks underperforming bonds, it's almost an impossibility and would require a complete collapse of the economic system. If two of the three realistic scenarios below happen, bonds could easily outperform for 30 years without a collapse: (1) CAPE is now about 27. In 30 years from...
by lazyday
Sat Nov 22, 2014 5:30 am
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 64
Views: 5163

Re: Vanguard offers login security code

I'd hope that if you lose your phone and didn't choose the "only when we don't recognize your computer" option, then you can't get into the account until you write or call Vanguard, and wait for a reset code to arrive in the mail.

Or toto's security guarantee would be nice.
by lazyday
Sat Nov 22, 2014 3:56 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 70
Views: 6145

Re: Post free Financial-related time-limited eBook offers he

If You Can is back. viewtopic.php?f=2&t=151369

Why Bother With Bonds viewtopic.php?f=10&t=151345

If you don't always spend time on this forum, you can subscribe to this thread and get emails when there's a new post here.
by lazyday
Sat Nov 22, 2014 3:38 am
 
Forum: Personal Consumer Issues
Topic: Post free Financial-related time-limited eBook offers here
Replies: 9
Views: 1386

Re: What were your biggest financial emergencies?

It also is important to know your ATM limit and, if necessary, ask for it to be raised. Some banks put it as low as $200 a day. Also it seems some ATM cards can expire. I had one with an expiration date on the front. I never used it, and after the expiration date, was not sent a new one. I like to ...
by lazyday
Sat Nov 22, 2014 3:18 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3793

Re: why do investors buy overpriced stocks?

Has there been research on whether distressed "jackpot" stocks are overpriced (or cheap) during a panic? For example, in late 2008 - early 09, many stocks were down by 90% to 99%, including some financials, industrials, commodity, newspaper, gambling. Most of those that I noticed recovered...
by lazyday
Sat Nov 22, 2014 2:42 am
 
Forum: Investing - Theory, News & General
Topic: why do investors buy overpriced stocks?
Replies: 4
Views: 870

Re: EM & Ex-US Value: trading cost and index drag

How useful are the results when using the wrong input data? I tried running PDN with an even more wrong market data source: Global. R*R dropped from .95 to .94, while alpha and SMB changed quite a bit from the less wrong GlobalEx-US data. There are at least three Global Ex-US factor funds where we m...
by lazyday
Fri Nov 21, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1477

Re: Selecting Charities for Donation

If you believe in the validity and value of the impact calculation (I don't) then you might want to maximize impact per dollar you give, without thinking much about overhead. One charity might spend a fortune on overhead because of complicated programs like getting many small schools to teach about ...
by lazyday
Fri Nov 21, 2014 4:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 55
Views: 3328

Re: Pension buyout offer - Accept or reject

If it's well insured, then based on #cruncher's post, I'd be very happy to buy this pension for $57,000. I'd then reduce my CD's, nominal bonds, or cash by $57,000. Yes there is inflation risk, but the pension value would increase in the event of deflation or disinflation, either of which might harm...
by lazyday
Thu Nov 20, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 45
Views: 4115

Re: Where can I go to get a signature guarantee or Medallion

Fidelity takes a lot of heat in this forum but (as long as you stick to their low ER Spartan family funds) their customer service and website is top notch. I like Vanguard because I feel there is good alignment of interests between them and I. They also run funds conservatively. When I last checked...
by lazyday
Thu Nov 20, 2014 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 34
Views: 3139

Re: What were your biggest financial emergencies?

I'm wondering what sorts of situations could come up where credit cards couldn't cover the bill while money was being moved around. Someone once posted about quickly bailing family out of prison, with a substantial amount of cash. Maybe something like $5,000. Credit or checks weren't accepted, and ...
by lazyday
Thu Nov 20, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3793

Re: {Charity} Online courses: Philanthropy & Social Good

https://www.coursera.org/course/giving2 thanks dyangu for link. Giving 2.0: The MOOC, is a Stanford University-sponsored online course intended to teach givers of all ages, backgrounds, incomes and experiences to give more effectively. .... will teach you how to assess nonprofits, create a high-impa...
by lazyday
Thu Nov 20, 2014 5:17 am
 
Forum: Personal Consumer Issues
Topic: {Charity} Online courses: Philanthropy & Social Good
Replies: 5
Views: 910

Re: Selecting Charities for Donation

i like it when their websites post their audited financial statements, which i think they are required to file anyway. I've downloaded statements but didn't really try to analyze them. http://acumen.org/about/financial-overview/ For a charity that provides more than monetary help for those it inves...
by lazyday
Thu Nov 20, 2014 5:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 55
Views: 3328

Re: EM & Ex-US Value: trading cost and index drag

ketana and backpacker, Thanks on PDN and PXF. https://www.invesco.com/portal/site/us/financial-professional/etfs/product-detail?productId=pxf https://www.invesco.com/portal/site/us/financial-professional/etfs/product-detail?productId=pdn Developed Ex-US PXF and S/Midcap PDN both have ER at or just u...
by lazyday
Thu Nov 20, 2014 4:31 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1477

Re: One Source to follow world markets ?

articles I can read to try to learn more about the inner workings about current financial news. It's no fun being so ignorant of the finance world. :D You can also check the websites for - The Economist - The FInancial Times - The Wall St Journal - Bloomberg (see links from livesoft) And for perspe...
by lazyday
Tue Nov 18, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1813

Re: Can We Trust the Mutual Fund Price Quotes on Morningstar

Showing Friday's quote with today's date is a problem. I've seen lots of errors from places like M* and S&P over the years. Sometimes an S&P stock report will be off by a factor of 1,000 for some columns (years) but not others--I first saw this error years ago and saw it again this year. If...
by lazyday
Tue Nov 18, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Can We Trust the Mutual Fund Price Quotes on Morningstar?
Replies: 6
Views: 689

Re: EM & Ex-US Value: trading cost and index drag

heyyou wrote:FF do not recognize "foreign" as a factor, did they? They just looked at foreign markets for the same factors seen domestically.

I think that's right. By "EM factor funds" I mean funds investing in EM that provide exposure to risk factors such as Value.
by lazyday
Tue Nov 18, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1477

Re: EM & Ex-US Value: trading cost and index drag

Here’s a simple table showing EM factor fund NAVs falling behind their index over 5 years. There’s some problems with the way I looked at this; see thread discussion below the post. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135938#p2010343 The prior post gives a little more info on th...
by lazyday
Tue Nov 18, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1477

Re: EM & Ex-US Value: trading cost and index drag

on IEMG. Includes small and mid-cap names and costs 18 b.p. p.a. Large AUM, tight spreads and trades free at Fidelity http://www.ishares.com/us/literature/fact-sheet/iemg-ishares-core-msci-emerging-markets-etf-fund-fact-sheet-en-us.pdf Holdings: 1777 (Fidelity lists as 1827 11/14/2014) Top 10 holdi...
by lazyday
Tue Nov 18, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1477

Re: Joel Greenblatt: Market Cap weighted indexes not recomme

if want to run regressions easily on any fund you can use this tool http://www.portfoliovisualizer.com/factor-analysis The “Stock Market” selection contains neither region Emerging Markets nor Developed Markets Ex-US. Would results be useful if we make another Stock Market choice for EM or Dev Ex-U...
by lazyday
Tue Nov 18, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt: Market Cap weighted indexes not recommended
Replies: 15
Views: 2352

Re: Mark your calendar for year-end fund distributions

Highlights for dividends (check the link for Cap Gains dates and the Managed Payout Fund):

December 9, 2014
Updated and expanded estimates: ... , plus estimated income and qualified dividend income percentages.
January 2015
Final year-end dividend and capital gains distributions for 2014.
by lazyday
Tue Nov 18, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1252

Re: Joel Greenblatt: Market Cap weighted indexes not recomme

As I recall, Rob Arnott countered that cap weighted factor indexes have produced negative alpha. I find that confusing. I thought cap weighted indexes were the market for purposes of calculating alpha. How can they produce negative alpha? I don't know enough about factor regression to do a good job...
by lazyday
Mon Nov 17, 2014 6:24 am
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt: Market Cap weighted indexes not recommended
Replies: 15
Views: 2352

EM & Ex-US Value: trading cost and index drag

For EM Value and Ex-US Value, both reported ER and hidden costs make it difficult to keep up with the index. The index itself may also fall behind the asset class. Trading Cost and other hidden expenses: Take a look at any foreign (especially EM) index fund with significant Value and/or other factor...
by lazyday
Mon Nov 17, 2014 6:01 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1477

Re: Selecting Charities for Donation

There are websites to help select a charity with high impact per dollar given. But I was disappointed with the ways they measured impact. I like the idea of Venture Philanthropy, for example Acumen Fund: Our aim in investing patient capital is not to seek high returns, but rather to jump-start the c...
by lazyday
Sun Nov 16, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 55
Views: 3328

Re: "Safe" investment for a retired parent. CD?

You might consider putting 10 to 25% of the money in a global stock index, and the rest into CDs. Historically, having a bit of money in the stock market hasn't increased volatility much, or has actually reduced it. If the money isn't needed for a while, it might make sense to use longer term CDs, t...
by lazyday
Sun Nov 16, 2014 6:52 am
 
Forum: Investing - Theory, News & General
Topic: "Safe" investment for a retired parent. CD?
Replies: 12
Views: 1398

Re: IRA with $0.17 balance

lululu, I've had an interest or dividend payment transfer over without any action on my part, for IRA to IRA account transfers and individual account (taxable) transfers. Customer service once told me it should eventually happen without my request, if the transfer is ACAT. I don't know if it's diffe...
by lazyday
Sun Nov 16, 2014 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 1791

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Last tax year's review posted February 2014, my bold: For the 2013 tax year, though, TaxACT wins the Editors' Choice in both free and paid browser-based tax-prep solutions. The three solutions reviewed are roughly comparable in terms of the mechanics of preparation—they all use a question-and-answer...
by lazyday
Sun Nov 16, 2014 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9204

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

So TaxAct needs a PDF file from another program, it won't just accept the turbotax data file, like you can do when switching from Excel to a competitor? I did my 2013 taxes by hand so I could get closer to the formulas and rules. Not as helpful as I hoped, but at least in my case it won't be as much...
by lazyday
Sun Nov 16, 2014 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9204

Re: Joel Greenblatt: Market Cap weighted indexes not recomme

The Vanguard research claims that fundamental indexes have not produced alpha using a factor model. As I recall, Rob Arnott countered that cap weighted factor indexes have produced negative alpha, while RAFI has had close to 0 alpha. I don't recall if Arnott was looking at actual fund performance, o...
by lazyday
Sun Nov 16, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt: Market Cap weighted indexes not recommended
Replies: 15
Views: 2352

Re: Fidelity 2-Factor authentication fail...

I'm curious what people *want* Fidelity to do in this case? 10 or 12 years ago I had lost my VG password and had to wait for them to snail me a new one. That is one approach. I want options on the security vs easy scale. I'd like to choose the option so that it is impossible to ever phone anyone ab...
by lazyday
Sat Nov 15, 2014 4:29 am
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1113

Re: VBS upgrade roll out has started

"Rabbi, can't we just pretend you turned me away three times?"
by lazyday
Sat Nov 15, 2014 3:37 am
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13172
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