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Re: Help me understand Vanguard Small-Cap Value (VSIAX)

A more solid theoretical approach would be to calculate the Fama-French factor loadings for a fund or for a portfolio depending on funds selected. I would guess that the appropriate Fama-French calculations have been done by the Center for Research in Security Prices. VSIAX tracks the CRSP Small Va...
by noyopacific
Thu Mar 26, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Vanguard Small-Cap Value (VSIAX)
Replies: 8
Views: 774

Re: Help me understand Vanguard Small-Cap Value (VSIAX)

The Small-Cap Value Index Fund (VSIAX) is supposed to match the CRSP U.S. Small Cap Value Index. I didn't take the time to check but will assume that it matches this benchmark as closely as is practical. I am going to assume that the $8 Bil threshold is bigger than you would consider to be considere...
by noyopacific
Thu Mar 26, 2015 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Vanguard Small-Cap Value (VSIAX)
Replies: 8
Views: 774

Re: What Happens When Vanguard Owns Everything?

Vanguard's role is definitely becoming more important with it's increased size. There's some responsibilities with that I'd like to see more efforts on, such as aligning corporate governance with the interests of the owners. I found my way to the letter Vanguard sent to Directors of it's largest in...
by noyopacific
Tue Mar 24, 2015 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 4599

Re: DFA funds?

My "take" on DFA is that they are fine. The company was founded by people who seem to enjoy dissecting historic returns to find potential opportunities where one might find an edge in terms of risk-adjusted returns. It is a slice & dicers dream. I don't happen to share the apparent ass...
by noyopacific
Sat Mar 14, 2015 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: DFA funds?
Replies: 11
Views: 1431

Re: Kit homes?

I don't have any experience with log homes but looked seriously at various "kit" homes a couple of times. After I had a good idea what the kits included I compared the kits to the more traditional approach. I found that when you compare them side by side, kit homes were just a more expensi...
by noyopacific
Fri Mar 13, 2015 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kit homes?
Replies: 7
Views: 802

Re: Newbie looking for advice re:VWINX

Welcome to the forum and congratulations on your decision to keep a bigger share of your investment returns. It is easier on the rest of us if you use fund names rather than ticker symbols. RBLSX = Russell LifePoints Balanced Strategy Fund Class S VWINX = Vanguard Wellesley Income, VWELX = Vanguard ...
by noyopacific
Thu Mar 12, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for advice re:VWINX
Replies: 1
Views: 291

Re: Is High Frequency Trading a Problem For Bogleheads?

Do you guys think HFT is a problem on any level for Boglehead investors, who either use index-based ETFs or mutual funds? I would guess that HFT is probably a small issue for index fund investors. The managers of our funds do need to trade to manage inflows and outflows of capital as well as to adj...
by noyopacific
Thu Mar 12, 2015 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is High Frequency Trading a Problem For Bogleheads?
Replies: 42
Views: 1840

Re: 100% Stocks Long Term Pro/Con

A major correction in equities of 40 % or more that happens shortly before or after retirement can have a devastating effect on ones SWR (Safe Withdrawal Rate) / income for retirement. This sort of correction is not at all unusual and the market will not necessarily recover as quickly as it did the ...
by noyopacific
Wed Mar 11, 2015 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3493

Re: Edward Jones - Ripped off Advice

Nice to have you here Dean. I'm having some difficulty understanding part of your situation. I don't have access to the statements anymore (all accounts have been transferred to Vanguard and Fidelity) :) If these accounts were transferred to Vanguard and Fidelity, how is it that you don't have acces...
by noyopacific
Wed Mar 11, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - Ripped off Advice
Replies: 20
Views: 1539

Re: moving LLPFX to Vanguard ?

There is nothing particularly bad about Longleaf. It is one of the few fund families that I've actually seen video of Jack Bogle speak highly of. I've owned Longleaf's Small Cap Fund since long before it was closed to new investors and still own a tiny amount but most of that has been moved into Van...
by noyopacific
Wed Mar 11, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: moving LLPFX to Vanguard ?
Replies: 3
Views: 373

Re: Private Company Restricted Stock

If I had this opportunity, the first question I'd ask is: will your decision to purchase shares or not be a consideration that might affect your future prospects with the company ? Precisely how is the annual determination of value (price?) made ? I would do my best to determine if the determined pr...
by noyopacific
Wed Mar 11, 2015 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Private Company Restricted Stock
Replies: 6
Views: 529

Re: Vanguard Financial Plan is Dead!

This is news to me too. I can see how that would be disappointing, especially if the Personal Advisor Service requires an "assets under management" percentage fee and a commitment. I got one of their plans many years ago. It was an okay plan but wasn't of very much use to me. It was basica...
by noyopacific
Fri Mar 06, 2015 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Financial Plan is Dead!
Replies: 26
Views: 5717

Re: Who has owned a ski boat or waverunner & did you regret

I used to own a 16' aluminum (Starcraft) bow rider with 85hp outboard. It was light and easy to tow with most cars. Pulling the boat out of the water with a small car on a steep launching ramp could be a challenge because it requires both power and traction. For power to weight performance as well a...
by noyopacific
Tue Mar 03, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Who has owned a ski boat or waverunner & did you regret it?
Replies: 19
Views: 1586

Re: REITs [Why did Vanguard's REIT lose 2% today?]

Why did Vanguard's REIT funds lost 2% today? REIT funds track the REIT sector. Prices will reflect movements in the REIT index. The only reason for concern is when performance differs from the REIT index. If you are looking for a rational explanation of the daily performance of this or any index or...
by noyopacific
Thu Feb 26, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3402

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

I like Jack Bogle and his accomplishments - but the Presidential Medal of Freedom?? "an especially meritorious contribution to . . . public or private endeavors" Unless there are accomplishments that I am not aware of. Jack's CV looks pretty good to me. There might be something on it you ...
by noyopacific
Wed Feb 11, 2015 10:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11535

Re: Where is John C. Bogle's Presidential Medal of Freedom?

Thanks.
BTW: The petition must get 150 signatures in order to be publicly searchable on WhiteHouse.gov.
by noyopacific
Wed Feb 11, 2015 10:25 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11535

Re: Where is John C. Bogle's Presidential Medal of Freedom?

That sort of felt like a "Double-Dog Dare Ya!" Fine, I'll bite. Now sign and promote it. https://petitions.whitehouse.gov/petition/john-c-bogle-should-get-presidential-medal-freedom/tMKz5zyh Apologies to Phil DeMuth, I edited the heck out of what you wrote to meet the 800 character maximum...
by noyopacific
Wed Feb 11, 2015 5:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11535

Re: How do slice and dicers rebalance?

How often do you rebalance all of those asset classes? I do it once a year. I don't have any empirical evidence or great logic to support this. I do it because once a year is convenient and it helps me to remember my wife's birthday. & Why To maintain the level of risk that I'm comfortable with...
by noyopacific
Wed Feb 11, 2015 12:13 am
 
Forum: Investing - Theory, News & General
Topic: How do slice and dicers rebalance?
Replies: 14
Views: 711

Re: Passive Investing Makes Even More Sense In Inefficient M

Morningstar's Samuel Lee: I can think of two reasons why unskilled investors would voluntarily play in an inefficient market: 1) they are delusional, unaware of their own incompetence, or 2) they are willing to lose money for the thrill of playing. Most investors who play do not do so with the expe...
by noyopacific
Tue Feb 10, 2015 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Passive Investing Makes Even More Sense In Inefficient Mkts
Replies: 8
Views: 1156

Re: What Experts Say about Individual Stocks vs. Mutual Fund

Larry Swedroe, author of many financial books: "Owning individual stocks and sector funds is more akin to speculating, not investing." Mr Swedroe also said Re REITs. The simple answer is that they are in the GOOD category in my new book on alternative investments. http://www.bogleheads.or...
by noyopacific
Tue Feb 10, 2015 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say about Individual Stocks vs. Mutual Funds
Replies: 56
Views: 4998

Re: I'm not a bad Boglehead

Even lottery winners are often losers in the end (they squander the money.)
I hope you win and then demonstrate that the tenants of Boglehead-ism can help you overcome this kind of challenge !
http://money.cnn.com/2015/02/10/pf/lottery-winners-losers/
by noyopacific
Tue Feb 10, 2015 3:25 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6370

Re: Why publish indexes?

Why do Dow Jones, S&P, Wilshire and other companies create and publish indexes? The reason the major indexes were developed initially was that these media outlets report the news. Investment market indexes are a very inexpensive way to develop a popular news item to report on a daily basis. It ...
by noyopacific
Fri Feb 06, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Why publish indexes?
Replies: 9
Views: 755

Re: Should we all invest in hedge funds?

The reason I want to invest in hedge funds is: ⋅ I want hot chicks. ⋅ I want a guarantee I will live to age 110 in health and happiness. ⋅ I want world peace. It's true that hedge funds can't give me any of these things, but that's a detail. I'm with Nisiprius on this....
by noyopacific
Fri Feb 06, 2015 6:19 am
 
Forum: Investing - Theory, News & General
Topic: Should we all invest in hedge funds?
Replies: 20
Views: 1441

Re: Foreign to energy

When my wife or I are inspired to try something different, we require that any changes be agreed to by both of us, then held off for six months and after that not until our next annual rebalancing date. This allows sufficient time to either regain our senses or feel satisfied that the change is reas...
by noyopacific
Fri Feb 06, 2015 4:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign to energy
Replies: 10
Views: 739

Re: Would you give a homeless person 20-50 dollars?

I would not loan (or give) money to someone based only on fact that I have met them a few times and they asked. It would not bring me any pleasure and if I gave them the "loan" I would feel I had been a fool. I'd be annoyed that they asked without offering anything in return. This type of ...
by noyopacific
Fri Feb 06, 2015 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you give a homeless person 20-50 dollars?
Replies: 27
Views: 1420

Re: Does a bond fund's yield really measure risk?

I would say that yield will partially reflect a bond funds level of risk but there are some other obvious factors. Average duration of the bonds in the fund can have a large impact on the yield. Another factor could be the funds expense ratio. If one fund had higher turnover than another, trading co...
by noyopacific
Fri Feb 06, 2015 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Does a bond fund's yield really measure risk?
Replies: 8
Views: 355

Re: San Francisco Bay Area Bogleheads?

You might also join the Yahoo group Bay Area Diehards (bayareadiehards.) There is occasional activity in this group, 14 postings last year. A dozen of us got together a two years ago to hear Guest Speaker Vladimir Masek, PhD (mathematics). Dr. Masek is an associate of Larry Swedroe.
by noyopacific
Wed Feb 04, 2015 10:51 am
 
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Bay Area Bogleheads?
Replies: 17
Views: 2085

Re: What was your financial situation before having first ch

Our financial situation was similar to yours. We were 36 & 43. No debt except for a mortgage. We never obsessed about money. We saved 15% or perhaps a bit more. I may be slightly obsessive about the subject of investing but have never been an active trader. My wife is an active partner in invest...
by noyopacific
Tue Feb 03, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your financial situation before having first child?
Replies: 34
Views: 2685

Re: Vanguard survey: what should they do differently?

1. Take a more active stance on corporate governance - Vanguard is a huge shareholder in many companies, need to use that clout better 2. Disclose exec pay 3. Invest more in IT 4. A rewards program where I earn points for buying vanguard funds and can redeem for kitschy stuff like a multi purpose V...
by noyopacific
Tue Feb 03, 2015 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4295

Re: How to fire a client?

This guy sounds like a typical bullying personality type. I believe that at the heart of most bullies lives a coward. Until you are willing to go "all in" and call his bluff, you will remain in the role of his victim. I would want to be reasonably certian that I were in a strong position a...
by noyopacific
Sun Feb 01, 2015 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4954

Re: What to see in Istanbul

We did most of the usual stuff: Topcapi Palace, Blue Mosque, Grand Bazar, Hagia Sophia, Cruise the Bosphorus, hanging out & eating under the Galata Bridge. One of the best off-beat things we did for our horse-crazy daughter was to go to the track to watch some horse races. This was a fun and tot...
by noyopacific
Thu Jan 29, 2015 12:05 am
 
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2338

Re: What's wrong with volatility if buy&hold

Nothing to clear up really. I'd say that you appear to have a better understanding of the use of buy and hold investment strategies than does Dr. Andrew Lo, Professor of Finance, and Director of the Laboratory for Financial Engineering at MIT's Sloan School Of Management. On the other hand, Dr. Lo m...
by noyopacific
Mon Jan 26, 2015 3:33 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with volatility if buy&hold
Replies: 52
Views: 3531

Re: Adopting

Other than losing twins at 26 weeks during my wife's pregnancy, adoption is my only first hand experience with parenthood. Our daughter is 22 now and has been with us since she was 3 days old. I came from a big family and never felt there was much difference between our experience and my siblings or...
by noyopacific
Sun Jan 25, 2015 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 2623

Re: "Its Time To End Financial Advisers 1% Fees"

I believe that one important part of the role of financial advisors is under appreciated. People also choose an advisor for reassurance. Unfortunately this is often delivered in the form of the advisors image: an elegant office, expensive clothes and other accouterments. If that is what someone need...
by noyopacific
Sun Jan 25, 2015 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: "Its Time To End Financial Advisers 1% Fees"
Replies: 102
Views: 8308

Re: [Lack of] Auto-rebalancing tool at Vanguard

. . . I suppose another way to view it is if the investor can't handle the operation by themselves every few years, then perhaps their portfolio is unnecessarily complex? My wife and I have several accounts and we are "splitters" rather than "lumpers" so the portfolio is somewha...
by noyopacific
Sat Jan 24, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: [Lack of] Auto-rebalancing tool at Vanguard
Replies: 68
Views: 13030

Re: QuitClaim Deed

You might check with a local title insurance company and ask if they will do it for you. If so, this should be less costly than using a lawyer and will probably have lower risk of errors.
by noyopacific
Sat Jan 24, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: QuitClaim Deed
Replies: 36
Views: 2689

Re: Flagship financial planner advice?

My wife & I recently spoke with a Vanguard Retirement Advisor. I think this is a new service, possibly even one that is still in the testing phase. They had contacted her to offer the consultation. I think that it was free but if there was a fee, it was nominal. It was very good, especially sinc...
by noyopacific
Sat Jan 24, 2015 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5443

Re: Is a financial advisor going to help?

Many of your questions are tax-related and would be better addressed by your accountant (who is presumably fully aware of your tax situation) than a financial advisor. Regarding buying another rental unit. I can't think of anyone that might be especially qualified and free of any conflict of interes...
by noyopacific
Sat Jan 24, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a financial advisor going to help?
Replies: 20
Views: 2045

Re: Gotta Be a Bear Market Coming

The bear is always coming, except when he's leaving. I have no idea when the bear will arrive. While I don't hear anyone suggesting that stocks are cheap now, I don't run into very many folks outside of this forum that want to talk about investing. It seems to me like there is still enough caution a...
by noyopacific
Fri Jan 23, 2015 4:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7860

Re: The DOW: An Index I Love to Hate

noyopacific: Fair criticism.....but what index/algorithm would you suggest as a superior replacement? The S&P 500 is a fair alternative in that it covers a much larger portion of the domestic equity landscape. The MSCI US Broad Market or Wilshire 5000 both represent over 99% of the total invest...
by noyopacific
Sun Jan 18, 2015 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1982

The DOW: An Index I Love to Hate

While The Dow Jones Industrial Average (DJIA) has long been the most cited and widely recognized US stock market index. The first reaction I feel whenever I hear it mentioned is: “What a bunch of rubes !” No serious investor follows The DOW. I am proud to report that I couldn’t tell you within 1000 ...
by noyopacific
Sun Jan 18, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1982

Re: Why no cult/theory/strategy of US regional stock investi

I think that Nisiprius has a very interesting suggestion. Since managed funds have become increasingly difficult to sell and the tide has shifted to index/passive management, one of the only ways a fund provider can distinguish themselves is to offer ever finer slices of the equity landscape. Obviou...
by noyopacific
Sat Jan 17, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why no cult/theory/strategy of US regional stock investing?
Replies: 21
Views: 1636

Re: How does an Efficient Market explain Buffett?

I will suggest that EMH is first only a hypothesis. I believe that EMH was initially used as an assumption to try and explain why some asset classes produced better returns (conclusion = risk.) Larry Swedroe has suggested that much of Buffett's success might be due to taking advantage of small-cap a...
by noyopacific
Wed Jan 14, 2015 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 13500

Now Dividend Aristocrats are Better !

Nick Vardi is at it again: http://www.marketwatch.com/story/heres-another-reason-to-dump-your-index-fund-2015-01-09 Vardi says: "I recently had the temerity to recommend an equally weighted S&P 500 index fund as an alternative to Vanguard’s market-cap-weighted S&P 500 Index fund. Bogleh...
by noyopacific
Sat Jan 10, 2015 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weighted Funds - Better?
Replies: 31
Views: 2698

Re: Just left meeting with my advisor....

malesi1 Welcome to the forum! Here is a tip that might make transferring your account cheaper, easier and simpler. Don't notify your current advisor of your intent to terminate your client relationship. Contact the investment company where you intend to move your account, give them all of the inform...
by noyopacific
Thu Jan 08, 2015 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 7893

Re: security camera outside away from a power source

There are battery powered motion detecting IR cameras for this sort of thing in the 200-300 dollar range. Since license plates are supposed to be lit at night maybe you will get lucky. I just got a Stealth Cam P12 for $80 + $16 for a 32 Gb Memory card and whatever 8 AA batteries cost. http://www.am...
by noyopacific
Sat Dec 13, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 18
Views: 1818

Re: My first non fee adivsor meeting..confused

TwoByFour wrote: . . .And consider whether you want a SEP.


+1
An accountant recommended SEP's for my wife & I over 20 years ago. I don't know if the tax considerations have changed.
by noyopacific
Sat Dec 13, 2014 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4789

Re: You folks think the big one is coming?

LowER wrote:“It's tough to make predictions, especially about the future.” Yogi Berra


But when it happens, It's probably going to be like déjà vu all over again.
by noyopacific
Sat Dec 13, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5906

Re: Is monthly rebalancing too frequent?

On a related note, I heard the money must stay in the VG fund for 90 to move it without fee but how does that work with money already in an account? These are not my real investment numbers: There is a fee if you sold and then repurchased shares in most Vanguard Mutual Funds within a short time per...
by noyopacific
Fri Dec 12, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1575
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