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Re: Bauer-Ramazani v. TIAA-CREF settled

Interesting series of posts guys. In 2011 I transferred my entire 403B to TIAA-CREF from VALIC. It took over a month for the entire transfer process to take place. I think my money was out of the market for about 10 days or so in the fall of 2011. I made almost five figures due to the inadvertent ma...
by ofcmetz
Tue Oct 21, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bauer-Ramazani v. TIAA-CREF settled
Replies: 24
Views: 2001

Re: BOGLEHEAD CONTEST -- S&P at record high.

The Wizard wrote:With recent stock market volatility, this "contest" is proving once again that "Nobody Knows Nuthin" when it comes to the markets.
Regardless, I hope I win...



Hey, I picked 1729 and we are headed that way. :D
by ofcmetz
Fri Oct 17, 2014 1:08 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3900

Re: What are you up YTD?

I'm up to 186 pounds.

Well, I was up about 6 or 7 percent. Now only my bonds are up that much. Oh well, at least last year was a good year, but there still is time for things to change again in the last few months.
by ofcmetz
Wed Oct 15, 2014 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11789

Re: Retirement pension options -- CONFUSED!

How much would you get if you delayed taking the pension until older? Does it go up or is the $241 a month the maximum it would ever be? As someone who doesn't have any retirement savings, I would lean towards taking the pension benefit at the maximum amount you can get it too. An early withdrawal w...
by ofcmetz
Wed Oct 15, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pension options -- CONFUSED!
Replies: 15
Views: 1241

Re: Headed for a 300+ point loss today?

Stocks don’t move up or down 20% or 25% every year. This means the 5%-band rebalancing method is quite slow. If you use this method, except in big up or down years, it will probably take several years to trigger a rebalance. Indeed, and the realization of this for the first time (I only started inv...
by ofcmetz
Wed Oct 15, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28368

Re: U.S. stocks in freefall

Headed for another big down day. Gains for the year just about wiped out for US large caps. Anybody hitting their rebalance bands?

Hang in there everyone.
by ofcmetz
Wed Oct 15, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156631

Re: Headed for a 300+ point loss today?

Also as a consequence of all this, investors see markets as less risky when they have been rising (recency bias, and due to state dependent memory unable to really recall how they felt when the Dow was 7000) and so even if they identify that their risk tolerance hasn't changed, they incorrectly ass...
by ofcmetz
Tue Oct 14, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28368

Re: It's a good day to be heavy in REITs

I remember having about 20% of my investments in an actively traded REIT fund in 2008/2009. Seems like it went from almost 20 to 6 something a share. It was some kind of exciting, except not in the good kind of way.
by ofcmetz
Tue Oct 14, 2014 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3973

Re: Does your ROTH hold risky or stable items?

We hold both equities and fixed income in our ROTH IRA's. We use funds that complement the funds we have available to us at our employer plans. I do keep at least $10K in fixed income there that would be the first money I'd access if I had to drain my cash savings for some reason. At Livesoft. 2/3'd...
by ofcmetz
Mon Oct 13, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3327

Re: Should your AA change based on World Events?

I don't. In order to make money on information or insight, I'd have to reach your decision before everyone else does and before it is reflected in prices. There are three ways this could happen. a) I am actually in possession of illegal inside information and I act on it and don't get caught. b) I ...
by ofcmetz
Mon Oct 13, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1363

Re: U.S. stocks in freefall

I never understood the whole point deal, I don't track it enough to know what a 300 point decline is, I can understand what 2% drop is however. Right, points are meaningless. Doesn't relate to scale and they also keep changing the divisor so I'm not sure they are comparable year to year. I don't ev...
by ofcmetz
Mon Oct 13, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156631

Re: Gambling versus Investing

Caduceus wrote:Dang. Probably would have been easier to just say ... I agree. :)


Easier, yes. But it makes this board much more interesting because people take the time to expound on their answers. :D
by ofcmetz
Sun Oct 12, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Gambling versus Investing
Replies: 20
Views: 2214

Re: Headed for a 300+ point loss today?

Holding all or most of your wealth in CDs is never, under ANY circumstance, the right thing to do. Never. I find that it's not wise to make a statement like "never, under any circumstance" on a forum like this. That is unless you are looking to be proven wrong. I had my entire wealth at t...
by ofcmetz
Sat Oct 11, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28368

Re: Do you see profit or ponzi?

BTW: Besides AmazingRibs.com, this is the only other forum I've ever joined which may partially explain the lameness of my posting activity. All Bogleheads who are also BBQheads should definitely check out AmazingRibs.com and delve into the science behind BBQ, terrific recipes, equipment reviews, a...
by ofcmetz
Sat Oct 11, 2014 1:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 9531

Re: Do you see profit or ponzi?

These numbers sounded familiar... http://www.sec.gov/litigation/complaints/2014/comp23109.pdf Wow! Awesome that you guys were so spot on in your recognizing of a fraud. If I were the OP, I'd remind my co-worker that he vouched for this guys charactor in the first place. I wonder if the coworker got...
by ofcmetz
Sat Oct 11, 2014 12:57 am
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 9531

Re: Headed for a 300+ point loss today?

I'm having difficulty understanding why a market drop is good because it provides an opportunity to buy more stock at lower prices. It's like saying I don't mind if a large chunk of my nestegg just got chopped off so I could add a little piece back at a lower price. I guess by that logic, the more ...
by ofcmetz
Thu Oct 09, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28368

Re: Headed for a 300+ point loss today?

considering I'm in the process of rolling over my entire 401k, seeing the stock market down pleases me.... pleases me greatly... I hope it makes a huge drop :mrgreen: I rolled my 403B from VALIC to TIAA-CREF in the fall of 2011. The random timing of that move earned me about 6.5K on the 403B. It co...
by ofcmetz
Thu Oct 09, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28368

Re: Headed for a 300+ point loss today?

I was wondering what sport the thread title referred too. I thought maybe LSU was playing football tonight, but then realized that not even our defense is that bad. We are back in a secular up and down market. Hang on, the classic roller coaster pattern may emerge prior to a return to the traditiona...
by ofcmetz
Thu Oct 09, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28368

Re: Gambling versus Investing

It's gambling when you do it for the rush or thrill. It's gambling when you go all in on one speculative stock with the hope of getting rich on the quick rise in value. I like your list BTW. I don't think someone who chooses 5 or 10 stocks by careful analysis is gambling. I like the term that you us...
by ofcmetz
Thu Oct 09, 2014 4:34 am
 
Forum: Investing - Theory, News & General
Topic: Gambling versus Investing
Replies: 20
Views: 2214

Re: When people put all their eggs in the wrong basket

I went over there and read the posts. How very very sad. It was a good reminder to me why I use broad based indexed funds and leave the gambling for the casino. I've known some friends who would never go to the casino, but will put small fortunes in individual stocks. Seems the same to me when a co...
by ofcmetz
Wed Oct 08, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 20666

Re: When people put all their eggs in the wrong basket

I went over there and read the posts. How very very sad. It was a good reminder to me why I use broad based indexed funds and leave the gambling for the casino. I've known some friends who would never go to the casino, but will put small fortunes in individual stocks. Seems the same to me when a com...
by ofcmetz
Wed Oct 08, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 20666

Re: How much is your fixed income investment earning?

3% on TIAA Traditional
1.91% on PIMCO Total Return
2.60% on Vanguard Intermediate Term Bond Index Fund
by ofcmetz
Tue Oct 07, 2014 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 27
Views: 1764

Re: Pension value question for 35 year old

What happens if you keep working beyond age 40? Would your pension increase only slightly for each additional year worked beyond that point? . Yes, the pension would increase at an amount equal to 3.3% of the average of my highest consecutive five years. Or I can enter DROP which would retire me bu...
by ofcmetz
Sat Oct 04, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension value question for 35 year old
Replies: 9
Views: 678

Re: Pension value question for 35 year old

Thanks for taking the time to type such a detailed answer Valuethinker. As always, you are a great help. Is there any risk pension arrangements will be changed/ cut? It's a state government pension that is underfunded, so there is some chance it could be changed or cut. This has been new legislation...
by ofcmetz
Sat Oct 04, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension value question for 35 year old
Replies: 9
Views: 678

Re: Best book on Finance I ever read, Ben Graham's Intellige

I'm not sure if it is the best book on finance I've ever read, but it is in the top ten for sure.

BTW Ned, that was a really good post about behavior.
by ofcmetz
Sat Oct 04, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Best book on Finance I ever read, Ben Graham's Intelligent I
Replies: 27
Views: 2613

Re: Do you deviate from the BH philosophy?

I try to save a decent amount (at least 20%) and control investment costs while staying diversified. I'm constrained somewhat by the choices in my various retirement funds and use two actively managed funds.
by ofcmetz
Sat Oct 04, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3824

Re: Pension value question for 35 year old

The pension is payable now, immediately at age 35 as soon as I terminate employment. Both numbers I provided were given to me by the pension. The reason for the large difference in 5 years is that during the next five years it is a reduced amount that is considered an early retirement. At age 40, I ...
by ofcmetz
Sat Oct 04, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension value question for 35 year old
Replies: 9
Views: 678

Pension value question for 35 year old

I'm trying to quantify the financial value of staying at my job for the next five years vs. retiring now. There is just a small chance I would actually walk right now, but the situation at work is less than stellar because of the current management. I'm 35 and can walk right now with a pension that ...
by ofcmetz
Sat Oct 04, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension value question for 35 year old
Replies: 9
Views: 678

Re: Small cap and large cap stock returns ?

The short answer is that the small caps are leading the large caps, which is normal. Actual Year-To-Date performance: Vanguard Large Cap Index (VLCAX) total return is 7.90% Vanguard Small Cap Index VSMAX) total return is 0.52% Best wishes. Taylor Definitely turning into one of those years where sma...
by ofcmetz
Sat Oct 04, 2014 1:04 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156631

Re: "The Bogleheads' Guide to Investing -- Second Edition"

It's time for me to order another copy again. My first one made it to about five different people before it finally didn't get returned.
by ofcmetz
Thu Oct 02, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 47
Views: 7856

Re: What bumps were along your road?

cheese_breath wrote:
travellight wrote:Divorce, very costly.... and I am female.

Remarriage, very costly. Inherited three more kids to support bringing total to five.


I'm amazed that anyone wants to marry someone with such funny breath. :sharebeer
by ofcmetz
Thu Oct 02, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3116

Re: Yet Another Pension Buyout Scenario

If it were me and I didn't have a lot saved, then I'd go for the pension at age 65 and keep working and saving till then. I got a job when I was 16 and had saved enough to have a decent used car by the time I was 17. I still am not quite sure if my parents couldn't or wouldn't buy me one. Needless t...
by ofcmetz
Thu Oct 02, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 2575

Re: What bumps were along your road?

I've been at the same job for over 15.5 years since I was 19 years old. Both serious bumps have come in the last three and a half years. First was when the most horrible bosses I've ever dealt with was hired straight into the number 2 position at my department and began to make our department misera...
by ofcmetz
Thu Oct 02, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3116

Re: Buying more when markets are down

I sometimes buy $100 or so worth of an equity fund on a day like today, that way I can look back and say that I bought at the bottom for the year. I realize that it makes no meaningful difference, but it gives me the feeling that I did something. I'm fully invested, so the money just comes from the ...
by ofcmetz
Wed Oct 01, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5147

Re: Buffett vs. Bogleheads

Seems like it would be a little more volatile than a three fund portfolio that had only 10% in bonds. I'll leave it to someone more educated to do the exact math. If someone was an experienced investor who didn't panic when the market crashed, then I think it could work. I just hate missing out on a...
by ofcmetz
Wed Oct 01, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett vs. Bogleheads
Replies: 46
Views: 3813

Re: U.S. stocks in freefall

Welcome back old thread. Small caps are getting close to a correction. Time to follow my plan and stay the course. Hope everyone is doing well and are not jumping from buildings in panic. :shock:
by ofcmetz
Wed Oct 01, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156631

Re: Job change dilemma ...

If it were me the change in scenery, friends, geography, and stress would be the things I'd worry about more than the slightly smaller salary. Best of luck on the tough decision.
by ofcmetz
Tue Sep 30, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job change dilemma ...
Replies: 8
Views: 1202

Re: CNN: 5 investing secrets of the wealthy.

Overall, I though it was a nicely written article with good advice. It's an article that shouldn't do any damage to investors like a lot of junk that gets written.
by ofcmetz
Tue Sep 30, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 20
Views: 3653

Re: Why I sold my gold, and would sell commodities too

So, it seems we have some Bogleheads arguing for gold? I would have expected a few attaboys for finally seeing the light. :wink: Attaboy!. I don't own any gold, but my wife did give me some permission to buy some for her in the form of jewelry whenever I wish to. I don't like owing assets as invest...
by ofcmetz
Mon Sep 22, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5197

Re: Alibaba is NOT coming to an index near you

As an index investor, should it bother you either way if its included in a broad based index. It would be such a small portion anyway, right?
by ofcmetz
Fri Sep 19, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 33
Views: 3690

Re: Alibaba - how is style determined

This looks like the best deal since The South Sea Company in 1711. I really hope that none of this stock makes it into my Vanguard Index Funds, or I might start thinking about buying individual stocks instead. China is about 3.9% of the Total International Index Fund. I really don't see how this wo...
by ofcmetz
Tue Sep 16, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1341

Re: CalSTRS 403(b) Pension2 to migrate to Voya/ING

I got the same postcard and have been very alarmed by the forced liquidation and re-allocating of my existing investments (90% of my account is slated to be moved to different funds, some notably inferior). I suspect that most people invested with Pension2 will have a much smaller percentage of re-...
by ofcmetz
Sun Sep 14, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: CalSTRS 403(b) Pension2 to migrate to Voya/ING
Replies: 16
Views: 1589

Re: $1.99 Amazon Kindle Special on Larry's Book

It's showing that it sells for $9.99 now. Guess I missed the sale.
by ofcmetz
Sun Sep 14, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: $1.99 Amazon Kindle Special on Larry's Book
Replies: 3
Views: 1399

Re: Alibaba - how is style determined

No way I'd buy it as a individual stock. Owning it as a small part of the Total International Index doesn't bother me a bit.
by ofcmetz
Sun Sep 14, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1341

Re: Jack Bogle on Diversified Portfolios vs Speculation

Thanks for posting. That was a wonderful interview and watching it was a great way to spend my morning.
by ofcmetz
Fri Sep 12, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Diversified Portfolios vs Speculation
Replies: 5
Views: 819

Re: Why is WMT not in top 10 holding in VTSAX

You are exactly right. About ten years ago, S&P decided to adjust their weightings based on free float. Here's a relevant article: http://www.bloomberg.com/apps/news?pid=newsarchive&sid=atbHmb_7aLqk Thanks, that was exactly what I was looking for. I'd never heard how free float relates to i...
by ofcmetz
Thu Sep 11, 2014 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Why is WMT not in top 10 holding in VTSAX
Replies: 3
Views: 761

Re: Are Mid Caps the NEW Small Caps

Mid-caps are the old small-caps. Here is the M* 9-box style grid for the Vanguard Small-cap Value Index fund: 00-00-00 18-16-05 32-22-07 That's 39% in mid-caps for a fund that has a name small-cap value index. Here is the style grid for VFSVX which is the Vanguard FTSE all-world ex-US small-cap for...
by ofcmetz
Thu Sep 11, 2014 12:27 am
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1735

Why is WMT not in top 10 holding in VTSAX

I assumed that a fund like the Vanguard Total Stock Market Index held stocks according to the company's size. These types of index funds are called cap weighted indexes, correct? Anyway, why is a company like Wal-Mart not in the top 10 holdings when it's market cap falls somewhere between Chevron an...
by ofcmetz
Thu Sep 11, 2014 12:23 am
 
Forum: Investing - Theory, News & General
Topic: Why is WMT not in top 10 holding in VTSAX
Replies: 3
Views: 761

Re: Treasury Direct, back in!

I'm just a cop and I have no problem logging on to my Treasury Direct account whenever I need to. I wonder why its so hard for you to do? :twisted:
by ofcmetz
Thu Sep 11, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct, back in!
Replies: 1
Views: 925

Re: First Job and Portfolio Question

Welcome to the forum. I assure you, it wasn't me that wrote you a ticket. You have a fine choice of funds in your 401K. I tilt towards small cap, and think it's ok to do as long as you stick to your plan and understand your reasons for tilting. The main danger is abandoning your plan when something ...
by ofcmetz
Thu Sep 11, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: First Job and Portfolio Question
Replies: 2
Views: 371
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