Search found 1243 matches

Return to advanced search

Re: Corporate bond defined maturity funds

David, Please help me understand that your model is a better idea through the following questions. A. Since I have already built the ladder, how do you propose I implement your idea? B. Even if I was now five years from retirement and I decided to implement your idea, do I not run the risk of losing...
by mpt follower
Sat Apr 11, 2015 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 8
Views: 563

Re: Corporate bond defined maturity funds

I think these kinds of bond funds with maturity dates are great for laddering positions like you're doing. There is obviously more risk in a corporate bond than a Treasury bond or a CD, but I tend to think the risk is quite small in a real sense. I have more faith in major corporations to repay the...
by mpt follower
Fri Apr 10, 2015 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 8
Views: 563

Corporate bond defined maturity funds

As a retired investor, I keep 5 years worth of money, in a ladder of individual TIPs /CDs!(all this in my IRA) .However, Given the poor returns of TIPs, this year i wonder if acquiring my annual 5year TIP to continue the ladder makes sense. Further, 5 year brokege CDs at Fidelity are yielding about ...
by mpt follower
Fri Apr 10, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Corporate bond defined maturity funds
Replies: 8
Views: 563

Re: These 5 Vanguard Index Funds Are All You Need

I only own one equity fund: A Global Equity Index Fund.
Vanguard offers VT and iShares ACWI. Either one is fine.
by mpt follower
Tue Apr 07, 2015 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: These 5 Vanguard Index Funds Are All You Need
Replies: 8
Views: 3225

Re: MSCI Diversified Multi-Factor Index

Coincidentally, Research Affiliates just came out with their quarterly estimate of long term performance versus volatility for all asset classes, see below. Although one should take this information with much reservation. U.S. equities are shown to yield such meager returns, and with high volatility...
by mpt follower
Tue Apr 07, 2015 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 26
Views: 2516

Re: Mohamed El-Erian Has Most of His Money in Cash

You'll have to excuse my chronic pessimism (it's a personality trait - I spend most my time being pleasantly surprised) .. But on the notion of possible recency bias among investors, I wonder do investor's in the world's 2nd largest economy (until recently) stick by the "stay the course" ...
by mpt follower
Mon Apr 06, 2015 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 69
Views: 7634

Re: MSCI Diversified Multi-Factor Index

Looks really neat, specially because MSCI claims that the risk exposure will be similar to the parent index. Question: could not find the historical data on the indexes in the MSCI website. Please HELP
by mpt follower
Sun Apr 05, 2015 12:19 am
 
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 26
Views: 2516

Re: My Strategy For A Market Crash

When equities drop 25% to 30% or whatever, I do not believe it is sufficient to simply reinvest dividends. I will sell bond fund shares and buy stock fund shares in order to maintain my asset allocation. That's what I did in 2008-2009 and all other years. Conversely, when equities go up 25% to 30% ...
by mpt follower
Tue Mar 31, 2015 11:36 am
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 54
Views: 9230

Re: Bernanke: "Why are interest rates so low?"

What Bernanke is saying is that the Fed has minimal impact on long term rates, which is correct, and, further, it is to the Fed's interest to set short term as close as possible to what he calls equilibrium rates, and in the academia is more commonly referred as natural rates, meaning the rates that...
by mpt follower
Mon Mar 30, 2015 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 6853

Re: How long do sofas really last

In 1980 we bought two sofas at Ethan Allen for our living room. We have changed the cover fabric once but as far as I know they can last for another 20 years. Like my mother used to say, "I am too poor to buy cheap." They were very expensive, but very worth it.
by mpt follower
Sun Mar 29, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4435

Re: US/International stock split vs Total World Index?

I hold the global index only for two key reasons: A. No need to rebalance. The fund does it for me. B. I trust MSCI to do a much better job in allocating the stocks in a manner that it represents the market. If you decide to own two funds and the split between them, in essence you are making the dec...
by mpt follower
Tue Mar 17, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: US/International stock split vs Total World Index?
Replies: 11
Views: 1196

Gudlach's TOTL [SPDR Total Return Tactical ETF (Bond)]

Contrary to stocks, where I am a firm believer in index investing, I am not that sure that it is the case in the bond market, specially in today's environment. Pimco׳'s Total Return bond fund has consistently done better than the index, and this is one of many. Having said that, I wonder anyone has ...
by mpt follower
Tue Mar 17, 2015 8:06 am
 
Forum: Investing - Theory, News & General
Topic: Gudlach's TOTL [SPDR Total Return Tactical ETF (Bond)]
Replies: 10
Views: 1015

Re: Stock Market going south what's next?

I believe in stayng the course, but without being blind to valuations. For the past 25 years, and way before I heard about Bogle, I have been as passive an investor as I can possible be without disregarding the reality of the market. This means that I have been globally invested (now it can easily b...
by mpt follower
Fri Mar 13, 2015 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stock Market going south what's next?
Replies: 31
Views: 4158

Re: How to create a 3% return portfolio?

I realized that I may have been approaching my portfolio backwards... since I have a very targeted goal. I am now retired and all I need is a 3 to 4 percent return to live comfortably for the rest of my life. I have no desire to take any more risks for a higher return (even with inflation). I must ...
by mpt follower
Mon Mar 09, 2015 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to create a 3% return portfolio?
Replies: 52
Views: 5604

Re: Bernstein: 2% investment returns over next 20 years

Does he mean 2% real return or nominal?
by mpt follower
Mon Mar 09, 2015 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 23598

DoubleLine Total Return Tactical ETF, TOTL

Very interesting that the new bond "guru",Jeffrey Gundlach, reflecting his view of the current direction of interest rates, has very aggressively positioned the portfolio of new total return bond ETF at the average maturity of 13.5 years.the total bond index average maturity is 7.5 years.
by mpt follower
Wed Feb 25, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: DoubleLine Total Return Tactical ETF, TOTL
Replies: 0
Views: 159

Re: The QQQ fund?

From Invesco's website: "PowerShares QQQ™, formerly known as "QQQ" or the "NASDAQ- 100 Index Tracking Stock®", is an exchange-traded fund based on the Nasdaq-100 Index®. The Fund will, under most circumstances, consist of all of stocks in the Index. The Index includes 100 o...
by mpt follower
Mon Feb 23, 2015 5:46 am
 
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 24
Views: 2088

Re: why do some people like Fidelity?

Is the most service oriented brokerage company that I have ever dealt. 25 continuous years with them, and never had a bad experience. Hard to bit!
by mpt follower
Sat Feb 21, 2015 12:37 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 7149

Quicken: mutual fund/ETF cost basis. Help!

In Quicken, the cost basis calculation of a mutual fund/ETF includes reinvestment of dividends and capital gains distributions. That may be necessary for tax purposes but it is very confusing to me since it does not tell me the actual cost of the investment, i.e., how much I paid for it when I bough...
by mpt follower
Fri Feb 20, 2015 1:38 am
 
Forum: Investing - Theory, News & General
Topic: Quicken: mutual fund/ETF cost basis. Help!
Replies: 6
Views: 319

Re: A case for long term government bonds

No idea on the specifics of where to get details on the returns for rolling a 30 year zero, but a $10,000 investment in VWESX (Vanguard's Long-Term Corporate bond fund) would have grown to $223,507.01 from 1981-Present whereas the S&P grew from $135.76 to $2,099.68, which would equate to $10,00...
by mpt follower
Thu Feb 19, 2015 7:24 am
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3330

A case for long term government bonds

In a recent article, Mr. Shilling makes a case for long term government bonds based on his premise that we are in a deflationary mode. (see Gary Shilling - Why You Should Own Bonds, February 17, 2015, by Robert Huebscher. http://www.advisorperspectives.com/newsletters15/Why_You_Should_Own_Bonds.php)...
by mpt follower
Thu Feb 19, 2015 6:05 am
 
Forum: Investing - Theory, News & General
Topic: A case for long term government bonds
Replies: 40
Views: 3330

Re: Tolerance for "rebalancing risk" in retirement

My view is that the best way to face a 2008 crisis is to hold an investment, i.e., fund or ETF with a build in asset allocation that meets your needs. This way you need to do nothing.
by mpt follower
Fri Feb 13, 2015 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Tolerance for "rebalancing risk" in retirement
Replies: 29
Views: 1691

Re: Your Future According to Yale Star Robert J. Shiller

Although not the only point of the article, but I think a significant one, is his criticism of the Fed actions. His negatives comments about governments' tolerance of excessive credit expansion is another way to criticize QEs/low interest rates. I fully agree! It happened during the Greenspan area a...
by mpt follower
Sun Feb 08, 2015 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Your Future According to Yale Star Robert J. Shiller
Replies: 86
Views: 10655

Build large equity position gradually or in one purchase?

Helping a friend who is currently fully invested in intermediate term bond funds diversify by adding stocks to his allocation, my dilemma, given valuations, is whether his stock allocation should be built gradually, and if yes how, or in one purchase. This is an individual with substantial wealth, t...
by mpt follower
Wed Feb 04, 2015 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Build large equity position gradually or in one purchase?
Replies: 6
Views: 770

Re: Pls challenge my One ETF approach - Belgium

I have only one ETF that covers all my equity needs: Vanguard world stock (in the states VT.) Vanguard Europe also offers it. i suggest you consider this option.
by mpt follower
Mon Jan 26, 2015 3:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Pls challenge my One ETF approach - Belgium
Replies: 3
Views: 461

Re: GAA ETF - a Global Asset Allocation

Can anyone find anything by Faber that explains the rationale for these two seemingly near-duplicate holdings? 3.03% SPDR BARCLAYS TIPS ETF IPE 3.031% SCHWAB U.S. TIPS ETF SCHP IPE: "The SPDR® Barclays TIPS ETF seeks to provide investment results that, before fees and expenses, correspond gene...
by mpt follower
Mon Jan 26, 2015 12:43 am
 
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 19
Views: 1687

Re: GAA ETF - a Global Asset Allocation

It holds many ETFs but it's the ultimate ending point of much of the discussions on this forum. Tilting towards size, value, momentum, REITs. Using commodities & TIPS to insure against unexpected inflation. Using long-term bonds for flight-to-safety and deflation. If you made up an AA that used...
by mpt follower
Sun Jan 25, 2015 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 19
Views: 1687

Re: GAA ETF - a Global Asset Allocation

When will folks stop falling on the feets of their idols? It amazes me that folks just can't figure out in their brains that no matter how smart someone else is they do NOT have some special prognostic abilities beyond the fortune teller down the street. I can tell you the same thing as I did befor...
by mpt follower
Fri Jan 23, 2015 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 19
Views: 1687

Re: US/foreign allocation under massive relative US drop

Although I own only 2 stock ETFs, 90% VT and 10% VWO (to tilt a bit towards emerging), I agree that it really does not matter much if the allocation is one way or another with respect to US vs rest of the world. At the end when we diversify in the stock space (oppose to stocks versus bonds), we do i...
by mpt follower
Sun Jan 18, 2015 5:31 am
 
Forum: Investing - Theory, News & General
Topic: US/foreign allocation under massive relative US drop
Replies: 21
Views: 1505

Re: Do you encrypt financial/investment documents on your PC

i have all my passwords, CC numbers, and other confidential information stored in my computer in SAFE HOUSE, an Encryption Software. I hope that it is safe, but do not know. Anyone using it?
by mpt follower
Thu Jan 15, 2015 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 2065

Re: Buying Energy Select Sector SPDR ETF (XLE)??

My husband is wanting to...I roll my eyes a bit at his market timing inclinations, but as long as he agrees to hold it forever - i.e. at least 15 years - then I don't care. It'll be a tiny portion of our total portfolio, and it does seem like a decent time to get in for the long haul. I'd rather hi...
by mpt follower
Tue Jan 13, 2015 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 435

Buying Energy Select Sector SPDR ETF (XLE)??

Is anyone buying Energy Select Sector SPDR ETF (XLE)? So very tempting as a long term investment
by mpt follower
Tue Jan 13, 2015 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 435

Re: Transcendental meditation

Try the old fashion medicine for stress, unhappiness, etc., make a point to meet often with friends you treasured with a glass of wine and enjoy life.
by mpt follower
Wed Jan 07, 2015 2:26 am
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2437

Re: Rick Ferri looking to internationalize his portfolio

Because of all these unknowns, basically not knowing which market will do well and which not, for a long time I have opted to not take a position and simply invest in a global equity fund, like VT or ACWI. Some years I win, some years I lose, but in the long term I cannot be wrong. With respect to F...
by mpt follower
Sat Jan 03, 2015 2:37 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 353
Views: 47198

Re: [Annual POLL] What was your 2014 return?

Annual return=4.9% nominal (estimate 3% real) with 70% fixed income. Retired, more interested in capital preservation.
by mpt follower
Sat Jan 03, 2015 1:38 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14950

GAA ETF - a Global Asset Allocation

This last month, Mebane Faber, from Cambria Funds, came out with a very attractive, one stop global asset allocation investment, the GAA etf. What makes this offering so attractive to Bogleheads is that it is a fund of funds that subscribes to a passive, low cost, index only approach. As stated in t...
by mpt follower
Thu Jan 01, 2015 1:46 am
 
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 19
Views: 1687

Re: Active total bond fund

These are the reasons that I am leaning toward an active bond fund, like Pimco's. I know that this is not popular among index people, and that includes me, but it is the best option I have found. Why would you pay an ER of 0.5% or more (depending on share class) for PIMCO Total Return? Especially w...
by mpt follower
Wed Dec 31, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Active total bond fund
Replies: 10
Views: 1019

Re: Active total bond fund

On the other hand, I wouldn't go all the way to corporates. I'd keep these Treasury positions. So, if we don't have an index fund that accurately reflects the total bond market for U.S. investors, you maybe take half of that and put it in a corporate-bond index fund. So, why not do exactly what he ...
by mpt follower
Wed Dec 31, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Active total bond fund
Replies: 10
Views: 1019

Re: Active total bond fund

What about Pimco's total bond?
by mpt follower
Wed Dec 31, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Active total bond fund
Replies: 10
Views: 1019

Active total bond fund

Following Bogle's concern with the high allocation of treasuries in the total bond index, which I also share, I have found no other alternative than to use a conservative actively managed total bond fund. I know that there are people here that do not think that this is significant, but for those tha...
by mpt follower
Wed Dec 31, 2014 6:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Active total bond fund
Replies: 10
Views: 1019

Re: 5 yr TIPs auction Dec 2014??

Thank you Cruncher!
by mpt follower
Fri Dec 19, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: 5 yr TIPs auction Dec 2014??
Replies: 15
Views: 2358

Re: 5 yr TIPs auction Dec 2014??

Since this is not a new bond, I am confused on how to enter the data in my Quicken. Here are the details To add to my 5 year TIPs ladder, yesterday I participated in the auction. Here is what Fidelity shows: Shares 84,000 Price 98.8529 Amount $84,169.17 Interest $22.51 However, based on what I paid ...
by mpt follower
Fri Dec 19, 2014 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 5 yr TIPs auction Dec 2014??
Replies: 15
Views: 2358

Re: CD or Treasury ladder trade-off

Treasuries is an extremely efficient market with high demand by very big players; therefore, the yields you would get are about the lowest. Further, given that rates are either going to stay flat or go up, CDs for the duration you have in mind are far superior.
by mpt follower
Thu Dec 18, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: CD or Treasury ladder trade-off
Replies: 29
Views: 1721

Re: VWO seems cheap right now

I have favored the low volatility emerging markets ETF, EEMV. Does anyone own it?
by mpt follower
Sun Dec 14, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 143
Views: 19016

Re: You folks think [a market crash] is coming?

With oil dropping the way it is and all the uncertainty and fears surrounding the european markets and the end of QE..think a crash is pending? I apologize for those that make fan of your question. Trust me, they will not tell you but most fear as much as you and I do. The answer, of course, is tha...
by mpt follower
Sun Dec 14, 2014 2:22 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5945

Re: Another Great Asness/AQR Blog Post - Perspective

Angst:

Yes, you understood it well. By the way, go to that website and you can run statistics in real terms.
by mpt follower
Sun Dec 14, 2014 1:09 am
 
Forum: Investing - Theory, News & General
Topic: Another Great Asness/AQR Blog Post - Perspective
Replies: 38
Views: 2883

Re: Another Great Asness/AQR Blog Post - Perspective

I'm gonna do some quick math here: (5x52x5)-(12x5)=1240 That is, 5 years times 52 weeks times 5 days/week minus, oh... 12 holidays/yr times 5 years equals roughly 1240 data points in each of these 5-year graphic snapshots. Ignoring the possible absence of data to the left of Jan 1st 1970, and the c...
by mpt follower
Sun Dec 14, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Another Great Asness/AQR Blog Post - Perspective
Replies: 38
Views: 2883

Re: Another Great Asness/AQR Blog Post - Perspective

Blue wrote:I couldn't get the links to the article to work either.


There is something wrong with the site. I downloaded the paper, is there anyway that I can somehow attach it here?
by mpt follower
Sat Dec 13, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Another Great Asness/AQR Blog Post - Perspective
Replies: 38
Views: 2883

Re: Another Great Asness/AQR Blog Post - Perspective

What the article shows is that over any given time period that is meaningful to most investors -- such as 5 to 15 years -- you have no idea what asset returns are going to be, even relative to one another. Presumably if you have a half century to spare, things will play out as expected at least in ...
by mpt follower
Sat Dec 13, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Another Great Asness/AQR Blog Post - Perspective
Replies: 38
Views: 2883
Next

Return to advanced search