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Re: What is your portfolio comparison benchmark?

I realize many people don't bother with such things, but for those of you who have picked a benchmark (or maybe a high and low range benchmark) to compare your portfolio to, what do you use? An index? A balanced fund? Target date fund? Something else? If you don't mind listing the ticker symbol(s),...
by petrico
Fri Jan 30, 2015 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your portfolio comparison benchmark?
Replies: 11
Views: 864

Re: The lowest stock allocation you plan to stay with

Overall, 56% equity, permanently, upon retirement. This will be produced by holding 80% of overall retirement savings in a static 70% equity/30% fixed income asset allocation "risky portfolio", and 20% in a "risk-free" portfolio, representing roughly 5 years' worth of withdrawals...
by petrico
Fri Jan 30, 2015 6:39 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 74
Views: 3230

Re: VNQ & VNQI

MDisciple87, I split them 50/50, and mostly for the reason noted astutely by DSInvestor. Coincidentally, I have a 10% portfolio allocation to REITS as in the example, but that is reducing to 8% as I transition to holding 20% of the overall portfolio in cash-like holdings at retirement. Even at 50/50...
by petrico
Wed Jan 28, 2015 5:38 am
 
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 9
Views: 995

Re: Morningstar Instant Xray

Thanks, that helps a lot. How do you interpret the stock style boxes and interest rate sensitivity boxes? Well, some valuable insight into the stock style boxes can be gained from comparing whatever asset or portfolio you're analyzing to the total stock market index, which represents the whole cap-...
by petrico
Tue Jan 27, 2015 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar Instant Xray
Replies: 5
Views: 711

Re: What Experts Say [about various investing topics]

Happy (belated) Birthday, Taylor!

Thanks for all you do here — both with your investing insights that help keep us grounded, and with your impeccable model of civility. The tone of the forum would absolutely not be the same without your presence.

:sharebeer
by petrico
Tue Jan 27, 2015 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3349

Re: Refund from the IRS? Why?

Refund from the IRS? Why? It's simple: piece of mind. I much prefer having the IRS owing me than the other way around. Sure, that agency has become a little kinder and gentler in recent years, but I feel more calm all year long knowing I'm paying in more than I need to. (I'm always polite to police...
by petrico
Tue Jan 27, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refund from the IRS? Why?
Replies: 51
Views: 4884

Re: Firecalc - Observation and Question

If you like FIRECalc, be sure to try cfiresim.com, too. Interesting tool. Do you know, offhand, the major differences from FIRECalc? Does it offer more flexibility? One nice feature that I could use is the constant % COLA, which I haven't seen anywhere else. I couldn't get it to run, though, becaus...
by petrico
Tue Jan 27, 2015 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Firecalc - Observation and Question
Replies: 6
Views: 1651

Re: Firecalc - Observation and Question

If you like FIRECalc, be sure to try cfiresim.com, too. Interesting tool. Do you know, offhand, the major differences from FIRECalc? Does it offer more flexibility? One nice feature that I could use is the constant % COLA, which I haven't seen anywhere else. I couldn't get it to run, though, becaus...
by petrico
Sun Jan 25, 2015 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Firecalc - Observation and Question
Replies: 6
Views: 1651

Re: anyone here been to the Super Bowl?

Go Blue 99 wrote:(I'm a Patriots fan).

I'm ssssssort* of sssssssssurprised* you're willing to admit that, lately, lest your integrity be questioned. ;-)

* hiss of deflating balls
by petrico
Fri Jan 23, 2015 8:44 pm
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 20
Views: 2049

Re: Fairmark: Free Tax Filing

rkhusky wrote:Note that Free File Fillable Forms is not the same as the free fillable pdf forms that you can download from the IRS web site, type in your info, print out, and mail in.

Exactly. That's what I use (the downloaded, filled, printed and mailed PDFs).
by petrico
Fri Jan 23, 2015 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fairmark: Free Tax Filing
Replies: 5
Views: 565

Re: Why all the fuss about wash sales?

I noticed a lot of threads about wash sales, and I'm not sure I get it. The term "wash sale" sounds ominous, but it seems in the worst case you'd just end up with a portion of a position you have to delay accounting for a loss until next tax year. Maybe someone could run through a couple ...
by petrico
Fri Jan 23, 2015 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why all the fuss about wash sales?
Replies: 4
Views: 667

Re: Wall Street Rises Again- Atlantic Monthly

One of the most depressing lines I've read in quite a while: For the rest of us, sadly, the best hope is that the next crisis will be sufficiently existential to finally force fundamental, long-overdue change to the way Wall Street does business. Actually, the entire piece is less than cheerful. Tha...
by petrico
Thu Jan 15, 2015 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Rises Again- Atlantic Monthly
Replies: 9
Views: 1489

Re: OpenOffice GetQuote extension is gone. Alternatives?

SMF stock market data for Calc looks interesting http://extensions.libreoffice.org/extension-center/smf-extension That does look interesting, CyberBob I downloaded and tried it in Apache OpenOffice. I replaced the comma separator with a semicolon, and tried different Datacode values until I stumble...
by petrico
Tue Jan 13, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1505

Re: OpenOffice GetQuote extension is gone. Alternatives?

^^Thanks for the detailed instructions, jchef. That works! I really don't know what's going on with that command. The original cell doesn't even display the command after it's entered. And the cells containing the ticker symbols don't seem to be editable. Strange, but it does work, so thank you. Jus...
by petrico
Sun Jan 11, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1505

Re: Jonathan Clements Money Guide 2015 -- A Gem

The best compliment I can give is that Mr. Clement gives clear, easy to understand, concise advice that I have seen few be able to do outside of Mr. Bogle and Taylor. Good luck. Agreed. Also, IMO, Clements's speaks the Boglehead language of simplicity, as of course do Jack and Taylor, but also Mel,...
by petrico
Sun Jan 11, 2015 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 17
Views: 3014

Re: OpenOffice GetQuote extension is gone. Alternatives?

The website for this extension was at http://getquote-tedsoft.blogspot.ca/, but now there is only a message that the blog has been deleted. I can't find any mirrors for the extension. I am aware of the extension which adds GETPRICE, but that is only for the latest price. Is anyone aware of an OpenO...
by petrico
Sun Jan 11, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1505

Re: Jonathan Clements Money Guide 2015 -- A Gem

Mike Piper has good things to say about this book as well. Investing Blog Roundup: Jonathan Clements Money Guide 2015 This week, Jonathan Clements released his new book: Jonathan Clements Money Guide 2015. I received a review copy last week, and I must say that I’m impressed. It is, I believe, the b...
by petrico
Sun Jan 11, 2015 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 17
Views: 3014

Re: Where do you tilt your Total Int'l Fund?

I tilt to foreign small caps and emerging markets, for a combination of the same three general reasons: — they are less correlated with the US market than developed large caps — they offer the potential for higher reward (at the cost of higher risk) — without an overweight, they would comprise an in...
by petrico
Sun Jan 11, 2015 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3231

Re: TLH + Wash sale - how much is disallowed?

Also, let's assume that I calculate that the dividend repurchase was equivalent to 3 shares of VEU. That means that the loss on 67 shares is what is allowed. But, do the 3 shares count across those purchased on 3/19 or 9/12? If it counted against the 3/19, then the amount disallowed would be $11.10...
by petrico
Sat Jan 10, 2015 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH + Wash sale - how much is disallowed?
Replies: 3
Views: 648

Re: TLH + Wash sale - how much is disallowed?

Hi Frys, You have a partial wash sale. (I'll offer a partial answer. :)) The amount of the loss that you can't deduct is determined by the number of shares that were replaced during the wash sale period . You don't get to pick which shares are the replacement shares. The shares sold at a loss are ma...
by petrico
Sat Jan 10, 2015 1:59 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH + Wash sale - how much is disallowed?
Replies: 3
Views: 648

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

Man, am I ever glad I saw this poll!! I only got 5% this year in my 401k, which is the worst I've ever done vs the S&P (I only track vs S&P annually for simplicity) and naturally assumed I completely borked it. My 401k allocations spent most of the year as: 20% Mid Cap (ARAIX) 30% Small Cap...
by petrico
Fri Jan 09, 2015 6:02 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

Re: Best albums from 2014?

VesperLynd wrote:Dark Side of the Mule - Government Mule.


Vesper

Listening to that right now on local college radio station. A little surprisingly, it's really excellent! Particularly the long instrumental passages.
by petrico
Thu Jan 08, 2015 5:05 am
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 61
Views: 5244

Re: which way to split funds across accounts? (sanity check)

Am I on the right track with this thinking? Anything else I ought to consider? I've stressed out about this sort of thing before, so this isn't a criticism, but it doesn't really matter a whole lot. The way I see it, either option is fine. The aspect I'd probably focus on is whether you want fixed ...
by petrico
Tue Jan 06, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: which way to split funds across accounts? (sanity check)
Replies: 4
Views: 586

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

What kinds of things could ever cause the time-weighted return, or what you refer to as the Portfolio Return, to differ substantially from the weighted average performance of the individual portfolio components? In other words, why isn't just computing the weighted average performance of individual...
by petrico
Mon Jan 05, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

Re: Words of Wisdom from Jonathan Clements

The Minneapolis Star-Tribune publishes a portion of the Wall Street Journal Sunday Edition. Clements column usually appears there. Yesterday his column had 31 tips from his 2015 book. The article was much more extensive than the AARP version. You can also find his articles here: http://www.jonathan...
by petrico
Mon Jan 05, 2015 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Words of Wisdom from Jonathan Clements
Replies: 17
Views: 2802

Re: Words of Wisdom from Jonathan Clements

Boglehead author Allan Roth interviewed "good guy" Jonathan Clements, the WSJ columnist, for his AARP column. Jonathan shared some thoughts on things that retirees and near-retirees should focus on for 2015. Here's a link: http://blog.aarp.org/2015/01/05/what-to-do-with-your-money-in-2015...
by petrico
Mon Jan 05, 2015 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Words of Wisdom from Jonathan Clements
Replies: 17
Views: 2802

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

johnep wrote:Many of our returns will be less due to heavier FI weighting.

Although the fixed income weighting probably had a far smaller effect than the un-hedged foreign market weighting this year.
by petrico
Mon Jan 05, 2015 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

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

Can someone tell me why my return was so low this year? Return: 4.76% XIRR. This puts me in the bottom 11% of Bogleheads apparently. My portfolio is the 4-Fund Ultimate Buy and Hold : 19% Total Stock Market (VTSAX) 19% Small-Cap Value (VSIAX) 19% FTSE All World (VFWSX) 19% FTSE All World Small-Cap ...
by petrico
Mon Jan 05, 2015 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

Re: Is rebalancing necessary for an all-stock portfolio?

Well, re-balancing between assets with very different expected returns (equities vs. fixed income) often stabilizes risk at the expense of returns, as the assets with higher expected returns often outperform. Within equities, which often have similar expected returns, my assumption would be that you...
by petrico
Sun Jan 04, 2015 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is rebalancing necessary for an all-stock portfolio?
Replies: 18
Views: 1197

Re: "The Global Portfolio" -- Vanguard Research

Thanks for an interesting paper, Taylor. The big take-away for me? Our VCMM simulations indicate that balanced portfolio returns over the next decade are likely to be below long-run historical averages, with those for a 60%/40% stock/bond portfolio tending to center in the 3%–5% range, adjusted for ...
by petrico
Sun Jan 04, 2015 9:58 am
 
Forum: Investing - Theory, News & General
Topic: "The Global Portfolio" -- Vanguard Research
Replies: 14
Views: 1117

Re: Poll: How long have you been with your current AA?

Excellent question, stlutz. Besides, when , the what is also interesting. The question forced me to go back and look. The revisions have been more numerous and more frequent than I'd like to admit, though all but the risk profile shifts have been minor. The last revision was a month short of 4 years...
by petrico
Sat Jan 03, 2015 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2478

Re: Small cap tilt

Emerging markets have a higher expected risk/return profile than the overall international market, and some chose to tilt towards that higher risk/return. Says who? Investments don't have expectations; investors do. Any reasons for you to have this expectation that emerging markets will outperform?...
by petrico
Sat Jan 03, 2015 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 8
Views: 693

Re: Small cap tilt

It is unnecessary since true total international funds already have the international market weight for emerging markets. This is a curious position. While true, it's also true that the Total Stock Market index fund already has the market weight of small caps. Yet you are not recommending that dvd7...
by petrico
Sat Jan 03, 2015 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 8
Views: 693

Re: XIRR with Vanguard and Fido

I don't know how detailed you intend to get, so this may not apply to you. (I don't have the answers to your specific questions.) If you intend to compute the dollar-weighted returns for each and every holding in your portfolio, you'll probably need all the data you seek. (I don't do this.) If, on t...
by petrico
Fri Jan 02, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: XIRR with Vanguard and Fido
Replies: 3
Views: 490

Re: [Poll] Why do you use indexing? (select multiple)

When I responded I tried to distinguish between the primary reasons I use index funds and the aspects that are just nice incidental benefits.

Broad diversification, rock-bottom costs, and tax-efficiency are why I use index funds. The rest is just icing on the cake.
by petrico
Fri Jan 02, 2015 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Why do you use indexing? (select multiple)
Replies: 26
Views: 1612

Re: Today is a Good Day to fund the 2015 IRA

Question: What happens if you fund your 2015 IRA on January 2, 2015 and you die on January 3, 2015 before you have any qualified income to fund a 2015 IRA? Well. Well, well. Well, well, well, well, if it isn't little Alex. Long time no viddy, droog. How goes? (Love the avatar, Goldrush.) Already pl...
by petrico
Fri Jan 02, 2015 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8118

Re: Fund Return vs. Personal Performance

I hold the Vanguard LifeStrategy Growth Fund VASGX in my Roth IRA. In 2014 I contributed $5,500 in 11 $500 installments. Today I checked Vanguard's website and the fund returned 7.18% for 2014. My personal return was 7.90%. I assume the difference can be attributed to the positive effects of automa...
by petrico
Fri Jan 02, 2015 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund Return vs. Personal Performance
Replies: 2
Views: 505

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

If my return was 7.45%, which option should I select? Your choice mptfan: truncate or round up. This isn't intended to be that precise. This was an interesting year. — Unlike the typical year, the 2014 annual return of a typical balanced portfolio in 2014 was close to its expected long term return....
by petrico
Fri Jan 02, 2015 11:36 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

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

I stopped caring so much about annual returns when I became an indexer. I'm happy knowing I have the market return, prior to fees, of whatever asset class for which I have the index. That's perfectly understandable. I am also exclusively in index funds (except for a TIPS fund and a stable value fun...
by petrico
Thu Jan 01, 2015 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

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

livesoft wrote:^I looked at Vanguard's web site and the 1-year Personal Performance has an asterisk by Rate of Return.* That says the number is to 11/30/2014 and not to 12/31/2014. Our number is 9.6% which cannot be correct at all.

Ouch. That would certainly skew the numbers...
by petrico
Thu Jan 01, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

Re: 20% to REITs?

Hi, For a number of years now, I've been following an asset allocation from "Unconventional Success" by David Swensen, which advocates: 30%: Domestic equity 15%: Foreign developed countries equity 5%: Emerging market equity 20%: Real estate 15%: U.S. Treasury bonds 15%: U.S. Treasury infl...
by petrico
Thu Jan 01, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20% to REITs?
Replies: 22
Views: 2645

Re: [Poll] If no capital gains tax, will you change investin

My biggest trading event is an annual re-balancing when I deploy the year's Roth IRA contribution. Even with 37.5% of the portfolio in a taxable account, capital gains taxes and transaction costs (already zero) are absolutely not one of the reasons why I am a buy-and-hold investor. The only thing I ...
by petrico
Thu Jan 01, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: If no capital gains tax, will you change investing?
Replies: 12
Views: 1085

Re: Strong dollar effect and currency exposure

. 2014 Net Returns +5.92% = MSCI EAFE local currency -4.90% = MSCI EAFE US dollar +5.17% = MSCI Emerging Markets local currency -2.19%= MSCI Emerging Markets US dollar <snip> Obviously no guarantees. Robert . Wow, that's HUGE! Thanks for highlighting the currency effect. What's driving the surge in...
by petrico
Thu Jan 01, 2015 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Strong dollar effect and currency exposure
Replies: 6
Views: 782

Re: 2014 BOGLEHEAD CONTEST WINNER

Taylor Larimore wrote:...Mr. Bogle and I will send him his book of choice from each of us.

Congratulations, Dave! Nice prizes!

—Peter
by petrico
Thu Jan 01, 2015 8:50 am
 
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEAD CONTEST WINNER
Replies: 23
Views: 2445

Re: Best albums from 2014?

If you like good rock and roll, check out the Strypes. Here they are live on Letterman. [url] https://www.youtube.com/watch?v=JRs5G5j0SEs [/url] The punk influence is unmistakeable — but they play well! Houndmouth, "From the Hills Below the City". Best described as a hipper version of The...
by petrico
Thu Jan 01, 2015 8:36 am
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 61
Views: 5244

[Annual POLL] What was your 2014 return?

For what has become an annual tradition... What was your overall dollar-weighted return (XIRR) in 2014? NOTE: This is not intended to provide any actionable information. Different asset allocations are expected to perform differently, and relative short term performance of various portfolios is in n...
by petrico
Thu Jan 01, 2015 8:26 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14210

Re: International - good for diversification, bad for return

I don't know how you determined that "5% seems sub-par for this type of equity fund," but consider the domestic alternative for a minute. Chart of Spartan® International Index Fund - Fidelity Advantage Class (VSIVX) vs. the S&P 500 over the life of the fund A couple of things become ap...
by petrico
Wed Dec 31, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: International - good for diversification, bad for returns?
Replies: 43
Views: 4877

Re: Best albums from 2014?

Lake Street Dive: Bad Self Portraits (Signature Sounds Recordings)

https://www.youtube.com/watch?v=E5w0qid5C9A

—Peter
by petrico
Wed Dec 31, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 61
Views: 5244

Re: Tax Loss Harvesting- But Not Buying Back Immediately?

Can a person advocate both "DCA over Lump Sump investing" and "TLH, but be sure to buy back immediately"? Yes, unequivocally. I can see the point you are making, but here's a different way to look at it: DCA is a way to mitigate the effects of potential bad timing of trades in t...
by petrico
Wed Dec 31, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting- But Not Buying Back Immediately?
Replies: 31
Views: 2216
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