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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: 39
Views: 2166

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: 21
Views: 1513

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: 75
Views: 6210

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: 12623

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: 2512

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: 5087

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: 1874

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: 7604

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: 1933

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: 1933

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: 1605

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: 249
Views: 11913

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: 2579

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: 7766

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: 1750

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: 4726

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: 5775

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: 1559

Re: Oil / Energy ETFs

Many energy and oil ETFs are down significantly. What are the arguments against buying an oil ETF now, on the premise that it's currently cheap? After reading all of the previous posts, I may have a different perspective to add. I made Vanguards Energy Mutual Fund (VGENX) a permanent part of my por...
by noyopacific
Sat Nov 29, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 58
Views: 4472

Re: Vanguard Personal Performance History: 10 Years

Each to his own, but what would you learn from Vanguard's detailed accounting of all your accounts that you do not already know from your year-end balance? L. I like to look and see if I have gotten any bonus or penalty from my annual rebalancing. I slice & dice quite a bit. I even have some se...
by noyopacific
Mon Nov 24, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2219

Re: Vanguard Personal Performance History: 10 Years

I sent the question to my Vanguard Representative. "When did Vanguard start showing 10 years of personal performance history ?" Dear Mr. Martin: Thank you for your inquiry. We expanded he personal performance history time range to 10 years in early September, 2014. Sincerely, . . . Also: I...
by noyopacific
Mon Nov 24, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2219

Re: Vanguard Personal Performance History: 10 Years

Thanks Nisiprius. I had noticed the earlier posts about the 5-year performance limit and suggestions that 10 years history would be better. I wonder when it started and how it seems to have been kept so quiet.
by noyopacific
Sat Nov 22, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2219

Re: What percent "Boglehead" are you?

I'm enjoying reading the comments on this topic. I will suggest that the OP, RunningRad may be describing an overly pious (as in: radical fundamentalist) view of the Boglehead Philosophy. If I were looking for a Ten Commandments of Bogleheads , I would look no farther than this: Bogleheads Investmen...
by noyopacific
Sat Nov 22, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10171

Vanguard Personal Performance History: 10 Years

When did Vanguard start showing 10 years of personal performance history ? I have been traveling and don't check my account when I'm on the road. I don't look at my personal performance charts very often because they don't usually change very dramatically; until last night. I went to the personal pe...
by noyopacific
Sat Nov 22, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2219

Re: Tell me about FitBit - is it worth having?

My wife wanted one and got it for Christmas last year. I believe the model she got was the Flex. She had minor trouble with the interface but seemed to be getting it. The bigger issue was with the clasp that held the band. It was constantly popping loose and falling off. She took it to a local shop ...
by noyopacific
Fri Nov 21, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2778

Re: TSM vs S&P500

I wondered why Warren Buffett has consistantly recommended the S&P 500 fund, most notably in his hedge fund wager and more recently for his wife in the event he predeceases her. I don't think that there is much chance he isn't aware of total stock market fund and the reasons one might choose it ...
by noyopacific
Fri Nov 21, 2014 3:04 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 25
Views: 2962

Re: Good books about Warren Buffett?

If depends on whether you want to read about Warren Buffett the person or are more interested in his work. I'd recommend Snowball if you want to read about his life beyond only his career. It is a warts and all biography, the only one Buffett ever authorized. Gossipy ? It was certainly revealing but...
by noyopacific
Tue Nov 11, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 1089

Re: Most Efficient Human Powered Boat

I have several kayaks, a rowing shell, and a seacycle pedal boat. I would pick my FrontRower powered kayak to cover the most distance with the least effort for an hour or longer. Being somewhat frugal, I didn't want to buy a new FrontRower so I searched Craigslist (the entire USA) for a few months t...
by noyopacific
Mon Nov 10, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Human Powered Boat
Replies: 13
Views: 1558

Re: Paying portfolio fees to Fidelity vs investing on own

Is Fidelity likely to put up any sort of resistance when they learn that javelin1968 plans to make some changes that will significantly reduce their fees from him. What kind of resistance do you think that they can put up? I was just wondering if Fidelity representatives might have a sales script t...
by noyopacific
Wed Nov 05, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1477

Re: Paying portfolio fees to Fidelity vs investing on own

Is Fidelity likely to put up any sort of resistance when they learn that javelin1968 plans to make some changes that will significantly reduce their fees from him.
by noyopacific
Wed Nov 05, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1477

Re: 27 yr old reaches $1m net worth

I would be interested in the difference of return, if any, between investing in the real estate mentioned in the article in 2008-2009 and investing in REITs during the same time frame.Best. Investing $10k in VGSIX (Vanguard REIT Investor class) over the past 5 years would have resulted in $23,955. ...
by noyopacific
Wed Nov 05, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 12986

Re: Index funds and ETFs: Shop Smart by Fidelity

Today's newsletter from Fidelity must have a Boglehead in charge. Here is the tipoff that the author was not a Boglehead but someone mindful of protecting Fidelity's cash cow: actively managed funds: "A big part of the allure of passive investments is their relatively low cost. Rather than att...
by noyopacific
Fri Oct 31, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Index funds and ETFs: Shop Smart by Fidelity
Replies: 3
Views: 986

Re: Anybody using dash cameras?

Is anyone worried about the fact that your own dash-cam footage will be evidence against YOU in the event of an accident In places where dash cams are exceedingly popular, it's usually to protect themselves in a lawsuit or insurance claim after the accident. . . . And as an aside, your rear-end col...
by noyopacific
Thu Oct 30, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 30
Views: 5689

Re: If I am a LT investor, should I forgo a bond allocation?

The only thing I have to add is that the quality of advice you are getting in this forum is awesome !
by noyopacific
Wed Oct 29, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: If I am a LT investor, should I forgo a bond allocation?
Replies: 28
Views: 2276

Re: Help I'm a trader

I would reconsider your beliefs about the absolute infallibility of the Efficient Market Hypothesis. This hypothesis has frequently been used as a yardstick by which academics and statisticians might test various ideas about securities prices and the behavior of markets. The guiding question often s...
by noyopacific
Wed Oct 29, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help I'm a trader [looking for career advice]
Replies: 4
Views: 991

Re: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"

sorry if this is obvious but what exactly does "Vanguard would place ownership of the funds with the shareholders themselves" mean? Unlike other mutual fund companies, Vanguard is not owned by a private group, like Fidelity, or public shareholders, like Schwab. It means there is nobody ot...
by noyopacific
Fri Oct 24, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"
Replies: 8
Views: 1985

Re: Gold: Is now the time?

Apparently the OP is unaware of The Bogleheads Philosophy item #4: "Never try to time the market."
If so, please go to the Bogleheads wiki and read up on anything you can find about market timing.
by noyopacific
Mon Oct 13, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2365

Re: How to win the loser's game #6

This is kind of like listening to a new arrangement of a favorite piece of music. Despite the fact that there wasn't a single new idea presented, I enjoyed the presentation.
by noyopacific
Sun Oct 12, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: How to win the loser's game #6
Replies: 2
Views: 1024

Re: FOMC announcements and a equity premium puzzle

Interesting question. I'll confess it may have been a little over my head. I enjoyed Ken French's comments about the question of randomness. It made me recall the Super-Bowl Effect (SBI,) where predicting the direction of the stock market over the next year could be done by observing who won the Sup...
by noyopacific
Sun Oct 12, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: FOMC announcements and a equity premium puzzle
Replies: 1
Views: 390

Re: Stay with CalSTRS or move to CalPERS?

I'd seriously consider the dual-enrollment option. This was my fathers situation. He had worked briefly for the CA Dept of Edu (CalPERS) but mostly as a public school teacher (CalSTERS.) There are some small differences in benefits offered and he benefitted significantly from the opportunity to doub...
by noyopacific
Sun Oct 12, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay with CalSTRS or move to CalPERS?
Replies: 7
Views: 1136

Re: Do you every turn your smart phone off?

I turn off my iPhone and reboot when it starts acting up. This happens less frequently than once a week.
by noyopacific
Sun Oct 12, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2059

Re: Medical Tourism - recent article

The USA is ranked 38th in quality of medical care but is still tops in the cost of medical care. http://en.wikipedia.org/wiki/World_Health_Organization_ranking_of_health_systems_in_2000 My wife (a physician) and I have gone to Mexico for some expensive dental work and our dentist says the work is go...
by noyopacific
Mon Oct 06, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1945

Re: What was your initial AA and how has that worked out?

1. It was about 20 years ago, my wife and I left an advisor and went on our own. The first tip off that indicated we might be paying the advisor too much was the annual reports he sent us. These were beautifully bound, full-color personalized reports. It dawned on me that we must be paying them hand...
by noyopacific
Mon Oct 06, 2014 4:51 am
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2623

Re: Is it normal to lose $$$?

Stocks go up. Stocks go down. If interest rates ever go up, bond prices will also drop. :shock: This may be a surprise to some who invest in government bonds in the belief that they are devoid of any risk. In regards to the question: "Is it normal to lose $$$?" It is to be expected that a...
by noyopacific
Mon Oct 06, 2014 3:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it normal to lose $$$?
Replies: 26
Views: 4179

Bogleheads Not in Wikipedia ?

About Motley Fool jimb I followed this link to see what Wikipedia had to say about The Motley Fool. Then I looked to see what Wikipedia had to say about The Bogleheads. Wikipedia does not have anything about The Bogleheads. Considering all the obscure subjects covered by Wikipedia, how is is that T...
by noyopacific
Thu Oct 02, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Motley fool?
Replies: 16
Views: 2114

Fidelity Offers A Round-Trip to Europe for New Account

If anyone is interested, we got an offer from American Airlines on behalf of Fidelity a few days ago. My wife loves her airline miles so she called to find out what the deal was. 50,000 frequent flyer miles for a new account (a non–retirement brokerage account) with $100,000 / 9 months minimum depos...
by noyopacific
Wed Oct 01, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3306

Re: Redoing Neglected Portfolio - Need Alternatives

Questions: 1. Why do we need 15 investments for a simple asset allocation? 2. Would we be better off with funds rather than ETFs? 3. Should we sell CWGIX, CAIBX, and AMECX? Please suggest alternatives. #1. You don't need 15 funds. There is no valid reason or benefit to the investor that I can think...
by noyopacific
Mon Sep 29, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redoing Neglected Portfolio - Need Alternatives
Replies: 10
Views: 669

Re: Buying Annuity at Young Age for Retirement?

I'm a low-risk profile investor, and am interested in buying an annuity to provide retirement income. I'm 30 years old, and would start investing in an inflation-adjusted annuity now, to get secured returns in my 60s. Thoughts on if this is a good or bad idea? Rather than paying the premium on an a...
by noyopacific
Mon Sep 15, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Annuity at Young Age for Retirement?
Replies: 6
Views: 690

Re: Could you sleep with all your money in Berkshire Hathawa

Could you sleep with all your money in Berkshire Hathaway? I could but it wouldn't be my first choice, unless perhaps all of the decent index funds were eliminated for some dumb reason. . . . Warren and Charlie are as old as the hills. Hopefully their successor is smart enough to break up this anac...
by noyopacific
Sun Sep 14, 2014 2:55 am
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 49
Views: 4057
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