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Re: Graduation Gifts - PhD

When I received my Ph.D. nearly five years ago I didn't get any presents, except from my parents. People get Ph.D.s for themselves and do not expect gifts for it. It's not like undergraduate graduation, marriage, or the birth of a child. If you want to get her anything, consider a $50 gift certifica...
by lloydbraun
Mon May 12, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Graduation Gifts - PhD
Replies: 15
Views: 1293

Re: Rebalancing Question

Thanks Tayler, that what was I looking for...just was wondering if one approach had a slight statistical advantage over the other.

Livesoft, yes obviously that's the case, unless you're psychic.
by lloydbraun
Tue Apr 15, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 322

Re: Rebalancing Question

Well, with that strategy you must win every year, just like the active managers promise.
by lloydbraun
Tue Apr 15, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 322

Rebalancing Question

Just a quick question for the board. I just did my annual rebalance in a few months back so I won't be doing another one until 2015. This past year I just allowed TIAA-CREF to rebalance my account automatically on my birthday (I use all Vanguard Institutional funds in my TIAA-CREF 403B). Am I better...
by lloydbraun
Tue Apr 15, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 322

Re: Improvement needed

Oh, one more thing. If you do want to have a bond fund in a taxable account I would look at the tax exempt muni bond funds that Vanguard offers (haven't looked at other providers' funds). Again, search for past posts were people have discussed these options.
by lloydbraun
Mon Apr 14, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 2729

Re: Improvement needed

That looks good. Obviously it's tough to predict the future but my hope with bonds is that they just slightly exceed the rate of inflation, on average going forward. I doubt we'll see returns in the bond market on par with what we saw from 1982-2013 just based on where yields are right now in a low ...
by lloydbraun
Mon Apr 14, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 2729

Re: Improvement needed

Sorry, I've never figured out how to use the "quotes". Having a Ph.D. doesn't make one intelligent! Anyway, yes I would use as efficient a fund in taxable as possible to avoid capital gains taxes. Others are much better at talking about this since they have taxable accounts whereas I got a...
by lloydbraun
Mon Apr 14, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 2729

Re: Improvement needed

post deleted
by lloydbraun
Mon Apr 14, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 2729

Re: Improvement needed

I noted you said that you have read or can find many writings that contradict the boglehead way. We all can find them but, honestly, I'm an academia and so have access to multiple databases that contain hundreds of thousands of peer review articles and I would say that 95% of the articles on investi...
by lloydbraun
Mon Apr 14, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 2729

Re: Population Decline and International Exposure

First, the UN actually predicts that the overall population will keep growing after 2050 and will reach 10 billion by 2100. Second, these are merely projections. The Economist had an article two weeks about African population growth and the conclusion was that population growth in many African count...
by lloydbraun
Sun Mar 16, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Population Decline and International Exposure
Replies: 19
Views: 1811

Re: Trip through New England

I grew up going to Narragansett Town Beach every summer so I know the general area pretty well. That being said, if you have a car and don't mind a nice drive, head about 7-8 miles south (west) on route 1 or 1A from Narragansett and eat at the Matunuk Oyster Bar. If you'd prefer to go to Newport but...
by lloydbraun
Wed Mar 05, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Trip through New England
Replies: 39
Views: 1716

Re: stayed out of the market, what to do now?

Unless you have a lot of money I would recommend at least investing in something like Vanguard's Target Retirement Income fund, which has about 30% in stocks. Bonds are fine as a hedge against stock market volatility that will hopefully generate some income above the inflation rate, but if you want ...
by lloydbraun
Tue Mar 04, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 8549

Re: Is John Bogle Wrong on Retirement Asset Allocation?

Sorry if my initial post sent us down the path of splitting hairs with regard to investment plans. I would assume most of us are relatively similar with our overall strategies, the tactics we use to implement those strategies are just a bit different.
by lloydbraun
Tue Mar 04, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 5419

Re: Is John Bogle Wrong on Retirement Asset Allocation?

I would differ a little with that analysis. As a retired physician you surely have the intelligence to read financial papers in journals, though it's not essential to do so. I read what I can though ALL of what I've read supports passive, index based investing. In fact, the more academic literature ...
by lloydbraun
Tue Mar 04, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 5419

Re: Is John Bogle Wrong on Retirement Asset Allocation?

I think we have to remember that Bogle is not a messianic figure. His advice and his work has helped all of us, but most of us probably have slight differences with him. Personally I invest in all index funds (403b) and etfs (roth) but do not go by either his or Vanguard's target allocation for some...
by lloydbraun
Tue Mar 04, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is John Bogle Wrong on Retirement Asset Allocation?
Replies: 43
Views: 5419

Re: Bogleheads mention in Financial Times

I posted it on their comments section. Here is the portion that does it: "A useful analysis on bogleheads.com, a discussion forum, looking at scorecard results from 2001-12 shows the 2013 data are not unusual. Indeed, active funds managed to outperform index returns in a majority of the nine st...
by lloydbraun
Tue Mar 04, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads mention in Financial Times
Replies: 2
Views: 330

Bogleheads mention in Financial Times

Although the author misidentifies the discussion forum's address as bogleheads.com instead of .org, an article in today's FT positively cites this forum. I don't know where to get free access to all content but you can sign up and get a few articles free each month from the FT. http://www.ft.com/int...
by lloydbraun
Tue Mar 04, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads mention in Financial Times
Replies: 2
Views: 330

Re: Do children become less expensive as they grow up?

You can also just keep him/her as the designated beneficiary and then transfer it to his/her children if/once they have any. A 529 doesn't have a time limit.
by lloydbraun
Tue Feb 25, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7629

Re: Are REITs still overvalued, as they were in 2013?

Well to an extent we all use past performance in assuming/hoping that over the course of 30-40 years the total market will increase enough over inflation to yield solid real profits for retirement. I think the problem with your graph is that you're comparing a sector to the broad market, and there i...
by lloydbraun
Fri Feb 14, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are REITs still overvalued, as they were in 2013?
Replies: 44
Views: 3466

Re: Newly Married and Taxed

Have you considered laundering the money?
by lloydbraun
Mon Feb 10, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly Married and Taxed
Replies: 39
Views: 2504

Re: a new start

I personally use Schwab etf funds because I can only afford to contribute around $75 per month to my Roth. My 403B gives me access to basic Vanguard funds (Int'l Index, Total US, and Total Bond Index) but the Schwab ETFs allow me to get a little more exposure to Emerging Markets and to invest in the...
by lloydbraun
Wed Jan 22, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: a new start
Replies: 5
Views: 514

Re: Wife upset - loss of principal in Bonds

The wiki has some good book links for financial education. Personally when I started reading 5-6 years ago I started with Eric Tyson's "Personal Finance for Dummies" and then moved on to the "Boglehead's Guide to Investing". They're both simple but informative books that will get...
by lloydbraun
Wed Dec 04, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7230

Re: Wife upset - loss of principal in Bonds

My understanding is that we're not allowed to talk about policy here. Hypothetically, if we did have rise in interest rates then intermediate and long term funds would likely turn negative, though short may not even though their return would be minimal and certainly would lag behind inflation unless...
by lloydbraun
Wed Dec 04, 2013 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7230

Re: Shouldn't we all be 50/50

Here's a good definition of commodities if anyone is interested. http://www.youtube.com/watch?v=yoEflqTDd5c
by lloydbraun
Thu Oct 17, 2013 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Shouldn't we all be 50/50
Replies: 44
Views: 3156

Re: BOGLEHEAD CONTEST 2013 -- Third Quarter Leaders

Thanks for calling me brave Taylor but I just wanted to see how wrong I'd end up being. It turns out that I'm very wrong! On a positive note, all of my retirement money is invested in four Vanguard Institutional funds through my TIAA-CREF retirement account and they've obviously done well. Let's hop...
by lloydbraun
Wed Oct 16, 2013 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST 2013 -- Third Quarter Leaders
Replies: 5
Views: 682

Re: Anyone Else Scared?

Not scared for my investments as my investment horizon is 35-40 years. I'm concerned about the short and medium term macro-economic effects of a possible debt default but I'm assuming it would sort itself out in time for me to cash in my funds in 2050.
by lloydbraun
Tue Oct 15, 2013 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28597

Re: Fair or not [Financially supporting one child over anoth

As a college prof. who teaches undergrads I can tell you that the vast majority of my best students are female. From my own memories of being a teenage boy, almost all early teens are crazy! But at least most of the girls turn out well by 18 or 19. The boys calm down by 24-25.
by lloydbraun
Wed Oct 09, 2013 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fair or not [Financially supporting one child over another]
Replies: 57
Views: 4266

Re: Financial Literacy Article in NY Times

I think you're correct. Most people aren't obsessive about learning every possible thing about finance or investing so "just in time" teaching is extremely important. This site fulfills that function but the problem for most people is that the "just in time" teaching their gettin...
by lloydbraun
Sun Oct 06, 2013 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Literacy Article in NY Times
Replies: 14
Views: 2389

Financial Literacy Article in NY Times

Here's a link to Univ. of Chicago's Professor Richard Thaler's piece on financial literacy in today's NY Times. http://www.nytimes.com/2013/10/06/busin ... wanted=all
by lloydbraun
Sun Oct 06, 2013 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Literacy Article in NY Times
Replies: 14
Views: 2389

Re: Paying off Student Loans

[quote="TSR"]Not sure what kind of loan(s) you have. Is it all one consolidation loan? If you went with your "alternative option," would that also substantially reduce your monthly payment (in addition to the interest rate)? If so, I would recommend doing your alternative option ...
by lloydbraun
Thu Oct 03, 2013 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off Student Loans
Replies: 8
Views: 637

Re: Paying off Student Loans

I'm in a similar position to you except I don't have 120K cash on hand and work in the non profit world so I'm already working towards debt forgiveness (8 years away). In my position, since I'm in a qualifying job already, I would keep my money for a down payment if I had 120K on hand. If I were in ...
by lloydbraun
Thu Oct 03, 2013 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off Student Loans
Replies: 8
Views: 637

Re: Asset Allocation

Sorry, I was unclear in my update. Over the past 9 months I didn't go 100% in the U.S. market. I was at 40% Vanguard Institutional, 30% Vanguard Extended Market, and 30% Vanguard Total International Stock. Although I had gotten rid of my bond mix I had taken the advice to diversify internationally. ...
by lloydbraun
Wed Sep 18, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2169

Re: Asset Allocation

Thanks for the note. I actually am offered the Vanguard Institutional Index as well at the .04 expense ratio. Instead of trying to mirror the market I just figured I would put 25% in the Vanguard Institutional and 25% in the Extended Market and just be happy with the results. I thought about doing 3...
by lloydbraun
Tue Sep 17, 2013 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2169

Re: Asset Allocation

Just an update. I actually did go 100% in the stock market for 9 months but in re-reading books and looking more at the solid advice provided here I have decided to just go 25% in the Vanguard 500, 25% in the Vanguard Extended Market, 25% in the Vanguard Total Int'l Stock, and 25% in Total Bond Fund...
by lloydbraun
Tue Sep 17, 2013 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2169

Article in NY Times on Compound Interest

This is a good one for young investors looking for an intro article.

http://bucks.blogs.nytimes.com/2013/01/ ... f=business
by lloydbraun
Tue Jan 08, 2013 2:48 am
 
Forum: Investing - Theory, News & General
Topic: Article in NY Times on Compound Interest
Replies: 16
Views: 2820

Re: Should I pay off student loan right now!!

He means that you'd have to earn more than 5.5% on investments to beat the guaranteed 5.5% rate that would be realized by paying off the loan as that is its interest rate.
by lloydbraun
Mon Jan 07, 2013 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay off student loan right now!!
Replies: 29
Views: 2087

Re: A weak case against indexing?

I don't think that academics have done flawed statistical studies as they are just observing active mutual fund managers. Are the sIkilled professionals you're talking about mutual fund managers or hedge fund managers?
by lloydbraun
Fri Jan 04, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: A weak case against indexing?
Replies: 68
Views: 4407

Re: At what age did your health start to limit your hobbies?

Thanks for the info, it's appreciated. For running I never stretch before but sometimes do so afterwards. My wife runs a lot and makes me stretch afterwards when we run together. I do stretch before playing basketball, though I don't play often, so I'll have to re-think that.
by lloydbraun
Thu Jan 03, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: At what age did your health start to limit your hobbies?
Replies: 95
Views: 8162

Re: At what age did your health start to limit your hobbies?

Age: 33 Well I'm not really a great athlete but I run a fair amount (2 miles, 5 times per week) and play some basketball whenever I get the chance. At this point I feel like I'm as strong and energetic as I was in my late teens and in my 20s, although I'm a lot calmer and make better decisions, but ...
by lloydbraun
Thu Jan 03, 2013 10:59 pm
 
Forum: Personal Consumer Issues
Topic: At what age did your health start to limit your hobbies?
Replies: 95
Views: 8162

Re: A weak case against indexing?

I'm not going to respond in a detailed way to the article, except to say that the author of the piece did not even mention transaction costs related to portfolio turnover, which acts as a major drag on active investing. I've searched the web and every journal available through my university's databa...
by lloydbraun
Thu Jan 03, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: A weak case against indexing?
Replies: 68
Views: 4407

Re: Marriage & Finances - Joint vs. Separate Checking/Saving

Great idea on the quarterly family financial update, I'm going to start one now!
by lloydbraun
Wed Jan 02, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage & Finances - Joint vs. Separate Checking/Savings?
Replies: 62
Views: 3490

Re: Marriage & Finances - Joint vs. Separate Checking/Saving

Everything is joint except our retirement funds though we're each other's primary beneficiary for those accounts. Neither of us had very much prior to marriage, except student loan debt, since we were both in grad school and now we share everything. I make significantly more than she does for now bu...
by lloydbraun
Wed Jan 02, 2013 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage & Finances - Joint vs. Separate Checking/Savings?
Replies: 62
Views: 3490

Re: Do you include SS in your AA

Yeah I didn't mean for it to come across as right by definition, however I do agree with him and I do think that the better conversation is AA, with SS included, by age.
by lloydbraun
Wed Jan 02, 2013 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do you include SS [Social Sec] in your AA [Asset Allocation]
Replies: 30
Views: 1111

Re: low-rate environment for the rest of our lives ?

People in the early 80s thought that a high interest rate environment was here to stay. Predicting interest rate changes requires a combination of correctly predicting the country's future GDP growth, unemployment, Fed panel members' economic beliefs, and the state of the global economy as global de...
by lloydbraun
Wed Jan 02, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: low-rate environment for the rest of our lives ?
Replies: 11
Views: 550

Re: Do you include SS in your AA

People can talk about the road less travelled and being contrarian as if these two things are inherently good. They're only good when everyone else is wrong. Bogle hasn't been correct because he's been a contrarian, he's been correct because he applied academic research to the world of investing to ...
by lloydbraun
Wed Jan 02, 2013 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Do you include SS [Social Sec] in your AA [Asset Allocation]
Replies: 30
Views: 1111

Re: Do you include SS in your AA

Yes I include Social Security in my AA. I'm not saying that everyone needs to follow everything Bogle advises but I find it interesting that investors on a site called Bogleheads.org disregard Bogle's advice to include SS in your AA.
by lloydbraun
Wed Jan 02, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Do you include SS [Social Sec] in your AA [Asset Allocation]
Replies: 30
Views: 1111

Re: What Book Are You Currently Reading? Part V

It sounds like Schiff is ignoring the role of the Asian financial crisis and the role of the US dollar as the reserve currency when discussing why we didn't have inflation, although like most Austrian inspired writers he always thinks we're going to. You can definitely argue that the fed kept intere...
by lloydbraun
Wed Jan 02, 2013 1:10 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1199915

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

We have a bullish group. I'm bullish over the next 10 years but I'm going to go with 1405.45.
by lloydbraun
Tue Jan 01, 2013 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15504

Re: S&P 500 vs. TSM index

Vinix is what I have in my 403 B and it's the same as the other Vanguard 500 but it has a lower expense ratio because it's institutional class. You can, I believe, create a completion TSM index out of VINIX, VMISX, and VSISX. Let's pretend that you were allocation 100% to creating a TSM. The followi...
by lloydbraun
Tue Jan 01, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs. TSM index
Replies: 9
Views: 1128

Re: S&P 500 vs. TSM index

My 403 B offers Vanguard 500 and Vanguard's Extended Market and I use both to create a TSM, although I slightly overweight the latter. However, in his book "Common Sense on Mutual Funds", Bogle claims that in the long run the 500 can act as a replacement for the TSM as both tend to have ne...
by lloydbraun
Mon Dec 31, 2012 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 vs. TSM index
Replies: 9
Views: 1128
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