Search found 1353 matches

by mpt follower
Sat Aug 01, 2015 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Close to 93% of portfolio in individual stocks?
Replies: 15
Views: 1087

Re: Close to 93% of portfolio in individual stocks?

I have a friend whose money is invested with Raymond James, 93% of which is invested in 15 or 16 stocks. I believe most of these stocks are dividend stocks such as Target, Microsoft, Apple, GE etc. What are the Bogleheads opinions on such a portfolio? I'm not going to bring this up to him, he is ve...
by mpt follower
Sat Aug 01, 2015 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Moving from TIPs fund to TIPs ladder???
Replies: 47
Views: 2601

Re: Moving from TIPs fund to TIPs ladder???

A really good discussion. I am comfortable with the intermediate TIPS fund, but the ladder would be the safest way to go for those who could manage it. I think I would want professional assistance to put a ladder together, and I doubt my spouse would want to maintain it. I do not understand the con...
by mpt follower
Fri Jul 31, 2015 7:14 pm
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 140
Views: 33726

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

My own view, and what i am actually planning to do, is buy a portfolio of long term tips that roughly duration match my retirement liabilities out to age 95, at least for a basic floor guaranteed income. Then when (God willing) i get to my mid 80s i will probably convert these funds over to a infla...
by mpt follower
Fri Jul 31, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 140
Views: 33726

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

Thank you Grok and the rest for the wise advice.
by mpt follower
Fri Jul 31, 2015 6:07 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 140
Views: 33726

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

stlutz wrote:TIPS yields are higher now than they were in the fall of 2011.


I did not realize that, but notwithstanding it, I was asking whether it is wise to commit to a long TIPs ladder given the low yields. I remember the good old days when TPIs yields started at 1%+
by mpt follower
Fri Jul 31, 2015 12:11 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 140
Views: 33726

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

Grok, I read your 2011 case for building a ladder of TIPs to support retirement. I wish I had the smartest then to do exactly that, specially since I was fully aware of Zvi Bodie's work. But I did not! Now it is July 2015 and TIPs are not yielding much more than inflation. Would you recommend the sa...
by mpt follower
Sun Jul 26, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard question. What to do with 80,000k in cash
Replies: 11
Views: 1438

Re: Vanguard question. What to do with 80,000k in cash

Buy the Vanguard Total World Stock Index ETF (VT). Then forget it until retirement.
by mpt follower
Sat Jul 25, 2015 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Protection against stock correctiom
Replies: 25
Views: 2472

Protection against stock correctiom

For the sake of argument, let us say that it is just a matter of time before a correction (i.e., at least 10%). Has anyone done research on the type of stocks that would provide highest protection relative to the total market? High quality, minimum volatility?
by mpt follower
Sun Jul 19, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6786

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

Nisiprius, you absolutely right. I took it for granted that the reference is the total U.S. Bond
by mpt follower
Sun Jul 19, 2015 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6786

Re: Why investors prefer Vanguard Total Bond Market Index Fund

In the April semi annual report of the Vanguard Total International Bond Index Fund, the 30 day SEC yield was reported to be 0.76%. My question is why would anyone invest in a fund that does not even expect to return anything close to inflation. By the way, the average duration of the fund is 7.3 y...
by mpt follower
Sun Jul 19, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6786

Re: Why invest in BNDX's when 30 day SEC yield = 0.76%.

The latest for the BNDX or Vanguard Total International Bond ETF SEC yield as of 07/17/2015 [1.12% A] And for comparison, here is this one for VMMXX or Vanguard Prime Money Market SEC yield as of 07/17/2015 [0.03% C] I do not understand the comparison, one has a duration of a few weeks/months and t...
by mpt follower
Sun Jul 19, 2015 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in BNDX's when 30 day SEC yield = 0.76%.
Replies: 102
Views: 6786

Why invest in BNDX's when 30 day SEC yield = 0.76%.

In the April semi annual report of the Vanguard Total International Bond Index Fund, the 30 day SEC yield was reported to be 0.76%. My question is why would anyone invest in a fund that does not even expect to return anything close to inflation. By the way, the average duration of the fund is 7.3 ye...
by mpt follower
Thu Jul 16, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 5661

Re: The " Corolla" investment....

So I long one should expect a corolla to last? Late 2006 my wife bought a brand new Corolla 2007. Recently after only 40,000 miles and in perfect conditions, she gave the car to our daughter. The only things done to the car, apart from annual maintenance, is tire and battery replacement, and a while...
by mpt follower
Tue Jul 14, 2015 5:21 am
Forum: Investing - Theory, News & General
Topic: Whatever happened to the advocates of CDs vs Bonds?
Replies: 58
Views: 5612

Re: Whatever happened to the advocates of CDs vs Bonds?

Yesterday I purchased my first CD: a 7.13.2020 (5 yr) CD through Fidelity with a YTM of 2.44%. (I assume that the yield assumes no reinvestment, correct?) I know that direct CDs yield more, but I am willing to lose the small difference to avoid to hassle, and have zero intention to sell before matu...
by mpt follower
Mon Jul 13, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: Whatever happened to the advocates of CDs vs Bonds?
Replies: 58
Views: 5612

Re: Whatever happened to the advocates of CDs vs Bonds?

Yesterday I purchased my first CD: a 7.13.2020 (5 yr) CD through Fidelity with a YTM of 2.44%. (I assume that the yield assumes no reinvestment, correct?) I know that direct CDs yield more, but I am willing to lose the small difference to avoid to hassle, and have zero intention to sell before matur...
by mpt follower
Sun Jul 12, 2015 1:34 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11067

Re: The "No Bonds" portfolio

Those aren't defined maturity bond funds, such as iShares iBonds Dec 2020 Corporate (IBDL) . I have asked the same question a few times without an answer. Has anyone considered a defined maturity corporate bonds ETF ladder? Two companies, Guggenheim and iShares offer them. On the other hand, I thou...
by mpt follower
Sun Jul 12, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11067

Re: The "No Bonds" portfolio

I have asked the same question a few times without an answer. Has anyone considered a defined maturity corporate bonds ETF ladder? Two companies, Guggenheim and iShares offer them. Names? Tried TLT, PFF, and DVY. They are OK. More stuff that I didn't want to watch. TLT has been sensitive to politic...
by mpt follower
Sun Jul 12, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11067

Re: The "No Bonds" portfolio

I have asked the same question a few times without an answer. Has anyone considered a defined maturity corporate bonds ETF ladder? Two companies, Guggenheim and iShares offer them.
by mpt follower
Sat Jul 11, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18801

Re: What 2008/09 has done to me

Being independent means paying for your own mistakes, working for someone else means also paying for his mistakes. You decide what is best.
by mpt follower
Sat Jul 11, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: How do you do the Larry Portfolio?
Replies: 48
Views: 3700

Re: How do you do the Larry Portfolio?

Very slowly, and cautiously. I want an advisor if I go that route at all. Someone besides myself to rattle if a mistake is made. Even more important, the tracking error of the Larry Portfolio (LP) is the biggest challenge. Very few can see the market go up while the LP goes down (and this can happe...
by mpt follower
Fri Jul 10, 2015 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year CD @ 2.4% - a good deal?
Replies: 32
Views: 4567

Re: 5 year CD @ 2.4% - a good deal?

Maybe I should have rephrased my question. Assuming that the interest rate is competitive, does it make sense to diversify my fixed income holdings? As an early retiree, we're at a 40/60 allocation so I hold a lot of BND and AGG, as well as a large position in MUB in my taxable account. I'm wonderi...
by mpt follower
Thu Jul 09, 2015 11:37 pm
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 33
Views: 2823

Re: GAA ETF - a Global Asset Allocation

The idea of the fund is right on. If you recall, a few decades ago. I think in the late 60s, William Sharpe demonstrated that the most efficient investment (think Modern Portfolio Theory) is the total market, and this fund, effectively or not (that is the question) attempts to offer a way to invest...
by mpt follower
Thu Jul 09, 2015 10:50 pm
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 33
Views: 2823

Re: GAA ETF - a Global Asset Allocation

The idea of the fund is right on. If you recall, a few decades ago. I think in the late 60s, William Sharpe demonstrated that the most efficient investment (think Modern Portfolio Theory) is the total market, and this fund, effectively or not (that is the question) attempts to offer a way to invest ...
by mpt follower
Wed Jul 08, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1661

Re: London Edinburgh by car

Is Waze, the navigation tool, available in the UK?
A few months ago I used it in northern Italy and last year in Portugal. It really simplified my driving.
by mpt follower
Sun Jul 05, 2015 6:11 am
Forum: Investing - Theory, News & General
Topic: USA-NRA Investing: VT = 80% VWRD + 20% WDSC
Replies: 6
Views: 497

Re: USA-NRA Investing: VT = 80% VWRD + 20% WDSC

I am retired and own 30% of the iShares global stock index ETF, very similar to VT, plus 70% in a combination of the total U.S. Bond market and a 5 year ladder of no risk fixed income instruments. However, reading persuasive comments by Ferri, Swensen and others, including people in this forum, I am...
by mpt follower
Sun Jul 05, 2015 12:30 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4504

Re: U.S. Bond Market Bubble

The bond index is much more heavily weighted in government debt—72 percent—than most investors need to be. These days, when you need yield so badly, I don't think you should sacrifice all that yield. This is the point where this argument loses me. The last 5 months of inflation data are: January: -...
by mpt follower
Sat Jul 04, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1661

Re: London Edinburgh by car

Very helpful, thank you all
by mpt follower
Sat Jul 04, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4504

Re: U.S. Bond Market Bubble

What about a 5 year ladder of corporate defined maturity ETFs. See Guggenheim investments.
by mpt follower
Sat Jul 04, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: London Edinburgh by car
Replies: 26
Views: 1661

London Edinburgh by car

My wife and I are planning a trip in August to Edinburgh to coincide with the amazing festival. We would fly to London, spend a few days there, see a few plays, then rent a one way car to Edinburgh and do the WSJ suggested trip, see http://www.wsj.com/articles/a-historic-road-trip-from-london-to-edi...
by mpt follower
Sat Jul 04, 2015 12:37 am
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 11
Views: 1871

Re: Journal of my recent ride in Northern Italy

I did a similar trip 18-25 June. Biked (a group of 10) from Bolzano to Venice via Lake La Garda. We did it through Girolibero. For details, see http://www.girolibero.com/en/catalog/bolzano-verona-venice-across-lake-garda-and-through-verona I checked out that tour. I met a group of 4 couples riding ...
by mpt follower
Thu Jul 02, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride in Northern Italy
Replies: 11
Views: 1871

Re: Journal of my recent ride in Northern Italy

I did a similar trip 18-25 June. Biked (a group of 10) from Bolzano to Venice via Lake La Garda. We did it through Girolibero. For details, see
http://www.girolibero.com/en/catalog/bo ... ugh-verona
by mpt follower
Mon Jun 29, 2015 11:57 pm
Forum: Investing - Theory, News & General
Topic: Are REITs necessary in a portfolio? Why?
Replies: 119
Views: 12951

Are REITs necessary in a portfolio? Why?

I do not own a REIT fund separately and I have never had. I once owned three funds, a US stock fund, a Developed Market ex US stock fund, and an Emerging Markets stock fund, but got tired to rebalancing, thus today my only exposure to stocks is through a Global Stock index fund, which holds a small ...
by mpt follower
Wed Jun 17, 2015 4:00 am
Forum: Investing - Theory, News & General
Topic: 30 year tips auction: 6/11; yield 1.125%?
Replies: 36
Views: 4922

Re: 30 year tips auction: 6/11; yield 1.125%?

#Crunsher:
You have looked at retirement funding for a long time, so I ask you: given the current yields, would you commit to a 25 year TIPS ladder beginning 2020? If not, what would you do?
I have waited over a year to do it, and in the meantime yields have only dropped!
by mpt follower
Sat Jun 13, 2015 1:39 am
Forum: Investing - Theory, News & General
Topic: Here we go again or is it different this time
Replies: 18
Views: 2916

Re: Here we go again or is it different this time

No doubt bonds are a sad story, but if you are concern about losing purchasing power with nominal bonds, buy a ladder of individual TIPS and protect your money against inflation. I am retired and would not do it because TIPS are too expensive, the 5 year is only yielding a bit over 0.1%. Wishful thi...
by mpt follower
Fri Jun 12, 2015 1:52 pm
Forum: Investing - Theory, News & General
Topic: Why not iShares Core Total USD Bond Market ETF (IUSB)?
Replies: 10
Views: 1002

Re: Why not iShares Core Total USD Bond Market ETF (IUSB)?

Why not iShares Core Total USD Bond Market ETF (IUSB) instead of Vanguard Total Bond Market ETF (BND)? A bit riskier, no doubt, but it does what Bogle proposes, increases corporate bonds. Why not IUSB? Because if one wants to tilt BND more towards corporates it's cheaper to mix it with VCIT (ER = ....
by mpt follower
Fri Jun 12, 2015 11:58 am
Forum: Investing - Theory, News & General
Topic: Why not iShares Core Total USD Bond Market ETF (IUSB)?
Replies: 10
Views: 1002

Re: Why not iShares Core Total USD Bond Market ETF (IUSB)?

Well, you are expressing Swedroe's concerns, not shared by Ferri. The M* report states that the fund holds 7% high yield. I assume that bothers you.
by mpt follower
Fri Jun 12, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Why not iShares Core Total USD Bond Market ETF (IUSB)?
Replies: 10
Views: 1002

Why not iShares Core Total USD Bond Market ETF (IUSB)?

Why not iShares Core Total USD Bond Market ETF (IUSB) instead of Vanguard Total Bond Market ETF (BND)? A bit riskier, no doubt, but it does what Bogle proposes, increases corporate bonds.
by mpt follower
Fri Jun 12, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: 30 year tips auction: 6/11; yield 1.125%?
Replies: 36
Views: 4922

Re: 30 year tips auction: 6/11; yield 1.125%?

I hope people understand that anyone that is buying 30 year TIPS yielding 1.125% and does not plan to hold until maturity has a very high likelihood to lose money, and big money. This yield to maturity is about the lowest in history.
by mpt follower
Thu Jun 11, 2015 12:56 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction: 6/11; yield 1.125%?
Replies: 36
Views: 4922

Re: 30 year tips auction: 6/11; yield 1.125%?

I cannot get excited when I hear that a 30 year TIP is going for a bit over 1%. As a retiree my goal has always been to build a 25 year old ladder using TIPs and be done with retirement. Then I could invest whatever is left in the equity market. But with negative yields until 2020 I cannot see how i...
by mpt follower
Tue Jun 09, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: Currency hedging equities: Vanguard's Global Min Vol Fund
Replies: 19
Views: 1676

Re: Currency hedging equities: Vanguard's Global Min Vol Fund

WOW! You right, I did not notice the PE. Also the PB is very high. Dilemma, right?
by mpt follower
Tue Jun 09, 2015 11:06 am
Forum: Investing - Theory, News & General
Topic: Currency hedging equities: Vanguard's Global Min Vol Fund
Replies: 19
Views: 1676

Re: Currency hedging equities: Vanguard's Global Min Vol Fund

I own the iShares fund, ACWV; however, unlike the Vanguard fund, it is not USD hedged. What convinced me to go with low volatility instead of the regular, plain vanilla ACWI or VT is theoretical work as well as historical data showing that indeed there is a low volatility anomaly. I cannot find the ...
by mpt follower
Mon Jun 08, 2015 10:51 pm
Forum: Personal Consumer Issues
Topic: Medicare questions regarding to retiring to overseas
Replies: 6
Views: 1151

Re: Medicare questions regarding to retiring to overseas

..... we decided to enroll in Medicare Part B and not C. ...... Not "C" ? You meant not "D ", didn't you? Part C is Medicare Advantage, plans based on provider networks that would only be available within the U.S. , not Israel. Part D is the Rx plan. I doubt any of the Part D in...
by mpt follower
Mon Jun 08, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Medicare questions regarding to retiring to overseas
Replies: 6
Views: 1151

Re: Medicare questions regarding to retiring to overseas

We are retired and live in Israel, which has a superb and ridiculously inexpensive HMO system. However, we decided to enroll in Medicare Part B. Our view is that for about $1,200 a year/person it is cheap insurance, just in case we are in need of a treatment that we may feel it is better conducted i...
by mpt follower
Mon Jun 08, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Comments on my Retirement picture
Replies: 12
Views: 1806

Re: Comments on my Retirement picture

mtp, I'm 60, been retired for 2 years. I learned the same thing in 2008-2009. I'm about 35/65 and think that should keep up with inflation and maybe even a little growth. For now I'm more worried about poor sequence of return risk early in retirement. I may go 40/60 further down the road but maybe ...
by mpt follower
Mon Jun 08, 2015 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Comments on my Retirement picture
Replies: 12
Views: 1806

Re: Comments on my Retirement picture

In response to Dandy, no doubt the Bernstein strategy of securing 20 to 25 years of retirement with secure instruments (with he est in stocks) is something that I have considered, and should TIPs yield a bit more than inflation, i.e., about 0.5% more, I would have done that gladly. But that is not t...
by mpt follower
Mon Jun 08, 2015 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Comments on my Retirement picture
Replies: 12
Views: 1806

Re: Comments on my Retirement picture

Lev, Although I have been investing the Bogleheads way for the past 25 years, the distribution phase seems like a completely different ball game. You right that up to now things have worked out well even after the 2008 crisis, but my comfort level is now a bit shaky given the likelihood of low retur...
by mpt follower
Sun Jun 07, 2015 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on my Retirement picture
Replies: 12
Views: 1806

Comments on my Retirement picture

I am 67, my wife 63 and I have been retired since 2004 (overseas, but US citizen) and living from SS/Pensions and withdrawals from my savings. I would like your input on my situation: 30% equity (*) (90% Global Equity Index fund, 10% Emerging Markets index fund) 70% bonds as follows: 5 year rolling ...
by mpt follower
Thu Jun 04, 2015 4:14 am
Forum: Investing - Theory, News & General
Topic: Global Market is the optimal portfolio. Do you follow that rule?
Replies: 43
Views: 3369

Re: Global Market is the optimal portfolio. Do you follow that rule?

Because what I'm really saying if weighting by revenues is "international companies have less market cap than they deserve". No thanks. I'll go by the market cap. Point taken. I doubt that investors will ever entirely discard "country of domicile" in their equity allocation cons...
by mpt follower
Wed Jun 03, 2015 4:01 pm
Forum: Investing - Theory, News & General
Topic: Global Market is the optimal portfolio. Do you follow that rule?
Replies: 43
Views: 3369

Re: Global Market is the optimal portfolio. Do you follow that rule?

Call_Me_Op wrote:
mpt follower wrote:If the Global Market is the optimal portfolio.....


Please define "optimal portfolio."


According to William Sharpe, it is max risk adjusted Return. Then, I suppose, you begin adding bonds until you meet your risk goal.
by mpt follower
Wed Jun 03, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 222
Views: 18299

Re: Free Windows 10 Upgrade, Yes or No?

How do I know if all my programs will run in W10?

Go to advanced search