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Re: Which index applies most to my portfolio

What you have is a portfolio which is *not* meant to track a single US index. You have a portfolio which consists of 4 internal funds which *are* meant to track various indices. Your portfolio is not going to track Nasdaq, SP500 nor the DJIA. It may receive similar looking gains and losses (for the ...
by red5
Sat Aug 16, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Which index applies most to my portfolio
Replies: 2
Views: 349

Re: How are you doing through the first half of 2014?

pop77 wrote:Is there a mathematical way to 'un-annualize' XIRR? I use Quicken and their performance reports show only XIRR.


For periods of less than a year where one has an annualized CAGR (XIRR) number:

(1+XIRR)^(Number of Days/365)-1

So it would be about 180 to 185 days from Jan 1 to Jun 30, or so.
by red5
Fri Jul 04, 2014 6:47 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9567

Re: NY Yankees seats - best value?

New Yorkers...I'm taking my kids to their first NY Yankees game. Which seats are the best value? I'm taking 6 people so and trying to balance fun without spending thousands of dollars. Thanks. Put the money in their VG accounts and watch the game on TV....gas, tolls, parking, tickets, and food. You...
by red5
Tue Jul 01, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: NY Yankees seats - best value?
Replies: 12
Views: 923

Re: How do I calculate STDEV of my portfolio?

I would like to calculate the standard deviation of my portfolio as a whole. Would anyone help me learn how to do that? I would like a number that I could compare to the standard deviation reported by each mutual fund, or the the standard deviation reported by Morningstar for a mutual fund. Assume ...
by red5
Mon Jun 30, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: How do I calculate STDEV of my portfolio?
Replies: 11
Views: 1104

Re: Retirement Goal Calculation

Thank you So you using 4% rule we come up with $830K if I want to retire tommorow correct? If I use 4% inflation (conservative) for the next 30 years when I retire, then I need $2.7M? From using these figures, my investments (and contributions) need to generate roughly $2.7M? Are we one the same pa...
by red5
Wed Jun 25, 2014 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Goal Calculation
Replies: 31
Views: 5156

Re: spreadsheet to compare portfolio with S&P

Read the OP's message and House Blend's reply in this short thread. With only two transactions and one beginning point and one ending point it would be rather easy to use House Blend's recommendation. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=141508 - I would try to find some sort of l...
by red5
Sun Jun 22, 2014 5:55 am
 
Forum: Investing - Help with Personal Investments
Topic: spreadsheet to compare portfolio with S&P
Replies: 10
Views: 668

Re: best way to compare your investment ROR to a benchmark?

If you really wanted to set this up I would do what House Blend suggested. It takes some time to set it up (getting historical prices for all your inflows / outflow dates) but at least all your lateral movements (rebalancing, dividends) do not need any attention. The actual setting it up in Excel or...
by red5
Fri Jun 20, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: best way to compare your investment ROR to a benchmark?
Replies: 2
Views: 222

Re: Should risk be stated in dollars terms instead of AA %?

Math is pretty easy. I can mentally go back and forth between % and dollars, and even between AA% and dollars without tremendous difficulty. There are all kinds of facts and figures you can state about a portfolio, and the rest of a person's financial picture, that can be stated in terms of $ or % ...
by red5
Sat Jun 14, 2014 5:48 am
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1401

Re: Which one would you choose?

rleonardh wrote:Mid-Cap Index VIMSX
vs
Total Stock Market Index VTSMX


Total Stock Market and perhaps the Mid-Cap down the road if you want to tilt later on.
by red5
Fri Jun 13, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Which one would you choose? [Mid-Cap vs. Total Market]
Replies: 12
Views: 787

Re: I need a Bogleheads reminder

SO here is the situation... I recently accepted a new job in the upper midwest-small/medium sized town, good schools, low cost of living, and COLD (lets just say I can see Canada from my house). I am a physician and have been living modestly since I finished training 1 year ago: we (4 of us) live i...
by red5
Fri Jun 13, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2780

Re: Should risk be stated in dollars terms instead of AA %?

Maybe I haven't quite understood the concept of risk here but it seems like people always speak of it in terms of AA but when they advise people they talk in terms of losing 50% of their equity investment which is a dollar amount. So is risk just the the amount of dollars you feel you can lose and ...
by red5
Fri Jun 13, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Should risk be stated in dollars terms instead of AA %?
Replies: 54
Views: 1401

Re: Retirement vs. Non-retirement stash

Do keep in mind the intent of my poll here - I referred back to a thread wherein OP had wondered if he/she was saving too much in retirement - so much so that they did not have money to meet their current needs. For him/her, the Roth contributions would count towards money that could be withdrawn f...
by red5
Thu Jun 05, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement vs. Non-retirement stash
Replies: 37
Views: 2304

Re: Retirement vs. Non-retirement stash

I am loosely defining retirement stash as money you cannot withdraw without paying a penalty to the IRS. So, Roth contributions fall under non-retirement stash, but Roth earnings fall under retirement stash :-) We are average age 45, non-retirement to retirement stash ratio is 1:4. Well to be fair ...
by red5
Thu Jun 05, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement vs. Non-retirement stash
Replies: 37
Views: 2304

Re: Who are the BogleHeads.org heavyweights?

I benefit from the community involvement in each discussion, not just one individual contributor. I enjoy the back and forth discussion. That is where I really learn. However, with that being said, there are a few individuals that I will read a post if I see they have made a remark; Nisiprius, Lives...
by red5
Fri May 30, 2014 1:06 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9163

Re: Help us get out of Ameriprise!

I did this a few years ago. I think Ameriprise kept 100 bucks and the rest went through in the form of mutual funds. I initiated this online at vanguard and perhaps they gave me a quick phone call to over a few details. I never once spoke with anyone at Ameriprise. Everything was A-OK and the proces...
by red5
Fri May 30, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help us get out of Ameriprise!
Replies: 33
Views: 4107

Re: How does this approach sound?

Here is what I am thinking of doing. Age 36. I will keep my AA as 80/20 for ten more years, but if the stock market goes down 5 percent in any given day, I swap my bonds to equities 5 percent at a time for a total of four times. Starting then any new investment is to get to 20 percent bonds again. ...
by red5
Sun May 25, 2014 5:51 am
 
Forum: Investing - Theory, News & General
Topic: How does this approach sound?
Replies: 6
Views: 673

Re: 2600 days of every dollar tracked

I like it. I have been tracking our expenses in detail since late 2008, although I only spend about 5 minutes a week by typing into Excel dollar amounts from receipts. It may not be for others but I'm a numbers guy and am interested in seeing the results.
by red5
Mon May 19, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 6068

Re: USAA to Vanguard

I am a young investor and have investment accounts with USAA. Any need to transfer these to Vanguard or simply purchase Vanguard funds from the USAA account. Thanks. A couple years ago I switched my investments over to Vanguard and have had no second thoughts since. I guess I did it mainly for no-c...
by red5
Fri May 16, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: USAA to Vanguard
Replies: 11
Views: 1020

Re: why do investors keep buying actively managed funds?

Bingo!! With index funds, there is no hope of riches. At least with active funds, the hope is there. I disagree. With index funds, there is still the hope of "riches". Over the last nearly 40 years what has VFINX (SP 500) done for the index investor? 11% growth per year? Even Total Bond (...
by red5
Fri May 16, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7238

Re: Roth IRA withdrawal question

I agree with jimb_fromATL that keeping the money in the Roth IRA will be probably be a wiser decision in terms of maximizing $$ after 30 or 35 years, however I do not think it is quite so extreme. Using jimb's numbers: Person A leaves $15,000 in her IRA Person B takes $15,000 from IRA and puts it to...
by red5
Tue May 13, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA withdrawal question
Replies: 6
Views: 429

Re: Calculating the SD of a portfolio

Try this. -Calculate monthly gains using XIRR in excel [ =xirr(...) ] -Take the last 12 months of monthly gains and find the standard deviation [ =stdev(...) ] -Multiply the standard deviation by square root of 12 [ =sqrt(12) ] This would give you the standard deviation over the last year. If you wa...
by red5
Wed May 07, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Calculating the SD of a portfolio
Replies: 5
Views: 262

Re: Why Have I Not Rebalanced?

Newbies to investing can ALMOST ALWAYS rebalance by directing new contribution to the underfunded asset classes. It's only after 15-20 years or more, with any luck, that you will need to actively transfer between funds to make things right... Agreed. I've never rebalanced. Yearly contributions are ...
by red5
Tue May 06, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Have I Not Rebalanced?
Replies: 9
Views: 1567

Re: Yet another question on "tilting" a portfolio

My OP contained an error. I meant to write: TSM 20 TISM 20 SCV 10 SC international 10 EM 10 TBM 30 I understand that the percentage doesn't matter so much now. For example, I could easily just do: TSM 20 TISM 20 SCV 12.5 SC international 12.5 EM 10 TBM 25 This is nearly exactly what my portfolio is...
by red5
Tue May 06, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another question on "tilting" a portfolio
Replies: 10
Views: 978

Re: Delay Social Security to age 70 and Spend more money at

Anyways, there will be no consensus as everyone has their own circumstances. It should just be considered as a generalized scenario and merely a starting point in formulating a retirement plan.
by red5
Mon May 05, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13381

Re: Delay Social Security to age 70 and Spend more money at

I think the point for #1 is based on the original premise that one does not care how much money is left for heirs. Did that cash enjoy the returns of the last few years, no, but it does not matter according to the original premise that one does not care about how much money is left for heirs. Also, ...
by red5
Mon May 05, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13381

Re: Delay Social Security to age 70 and Spend more money at

But you wouldn't do that. If you have higher SS income in scenario B, you are going to withdraw less than in scenario A. That's the essence of the whole risk management strategy. Fortunately I think we are perhaps merely having a communication error because I agree with your second and third senten...
by red5
Mon May 05, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13381

Re: Delay Social Security to age 70 and Spend more money at

Does it basically boil down to this (Age 70 scenario)? 1. More money to spend each year 2. Lower portfolio value for all of time 3. Similar risk to portfolio depletion even though it will be lower (since we are taking same % as a withdrawal) 4. Lower risk to lowered lifestyle in the event of portfo...
by red5
Mon May 05, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13381

Re: Delay Social Security to age 70 and Spend more money at

Okay, I'll just preface this by saying I have not completely gone through all the previous comments in detail, so perhaps what I am about to comment on has already been brought up. I was quite interested in Cut-Throat's original idea of creating these two buckets. I made myself a little excel sheet ...
by red5
Mon May 05, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13381

Re: My front lawn is horrible

One option is to spray a herbicide such as Roundup on the entire thing and start over./quote] On the off chance that you are thinking about this - don't do it yourself. I had a friend in college that fancied himself a landscaper who offered to get rid of some weeds in the lawn for my Mom. Anywhere ...
by red5
Sun May 04, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3235

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

I got the same message on my Balances and Holdings page (about the VTI going from .06 to .05) even though it was already at .05. I did not get any message about VXUS/VTIAX, but it looks to me like it went from .16 to .14. Strange. Kalo I believe VTIAX was already .14, perhaps from at least February...
by red5
Thu May 01, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7372

Re: Easy way to view graph of portfolio?

You could create a Morningstar portfolio account (free). It will give you various stats and figures. It does require some time to set up and a bit of time to maintain (inputting buy/sell lots, dividend reinvestments, depends on how detailed and accurate you want it). It perhaps is not as quick as yo...
by red5
Wed Apr 30, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Easy way to view graph of portfolio?
Replies: 3
Views: 348

Re: Social security at 62 vs 70

IF you add in the amount of money NOT SPENT out of savings(this is NOT money from SS) form 62-70 by taking at 62 -the result is an effective break even of 90. :mrgreen: gerrym51, I hope to get a response from you on this. You say that you "effectively receive" money "not spent" ...
by red5
Wed Apr 30, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5829

Re: Social security at 62 vs 70

ginmqi wrote:
I honestly do not see very little reason to wait 8 years just to collect a few more bucks.


It helps protect a portfolio against "old age".
by red5
Wed Apr 30, 2014 8:29 am
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5829

Re: Mea culpa

YTD performance: Vanguard Total US Bond: 2.50% Vanguard Total US Stock: 1.21% Looks like the switch into bonds is little bit of performance chasing. :twisted: whats wrong with preserving gains by lowering risk to retain gains. If you dont need to be in 100% equities what wrong with reducing volatil...
by red5
Wed Apr 30, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5396

Re: Savings Rate what do you include?

Yes but the person saying I saved 30k year (15% of 200k) and the one saying I saved 15k (15% of 100k) are saying different things despite the percentage being the same. Who is saving more... I am not ignorant of the differences between setting $ amounts as opposed to % amounts. I am also aware that...
by red5
Fri Apr 25, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5524

Re: Savings Rate what do you include?

I just make sure I save enough dollars. I rarely think about percentage, and certainly not in that level of detail. ... I spend dollars, not percentages, so I pay attention to the dollars. I am retired. I too spend dollars, not percentages. I am glad that I have dollars to spend, and that was alway...
by red5
Fri Apr 25, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5524

Re: What's your number?

Yes, but if you are 30 now, how do you know what your yearly budget will be in 25 years? Which is why this exercise is really quite (almost) futile. There are many variables at play here. If one really wants to try to figure out their number 30 years in advance of retiring (and perhaps 60 years bef...
by red5
Wed Apr 23, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31565

Re: What's your number?

I like to have a fuzzy idea of how much money I would need to have in order to retire today. However, I am more than three decades away from a typical retirement age (put another way, there is a possibility of 60+ years of life left in me), thus this exercise is fraught with many unknown variables. ...
by red5
Wed Apr 23, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31565

Re: Round The World!

Leeraar wrote: Did you fly east or west?


This valuable lesson was learned in Around the World in Eighty Days.
by red5
Tue Apr 22, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Round The World!
Replies: 43
Views: 9140

Re: Does RSP performance offset it's expense ratio?

In my eyes RSP is nothing more than a mid-cap tilted fund that just so happens to have the same 500 companies as the S&P 500 index. With this fund though you are limited to the relatively few mid-cap companies that are within the SP 500 to obtain the tilt. -I would expect RSP to outperform VOO a...
by red5
Mon Apr 21, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Does RSP performance offset it's expense ratio?
Replies: 16
Views: 2549

Re: How much is rich?

Feeling rich is a state of mind, usually found by comparing oneself to others. If you hang out with Fortune 400 C class execs, you're not going to feel rich with 1.5 million. With that in mind, Agree with this. Putting a $$ amount on being rich is inevitably going to lead to some vast differences o...
by red5
Sun Apr 13, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2817

Re: How much is rich?

Enough to be comfortably happy.
by red5
Sun Apr 13, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2817

Re: Reel Lawn Mowers

If you have a weedy lawn than a reel may not be for you. Grass gets cut, dandelions do not, and it can look rather silly.
by red5
Wed Apr 09, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: Reel Lawn Mowers
Replies: 19
Views: 2296

Re: VSS March Dividend

by red5
Tue Apr 01, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS March Dividend
Replies: 4
Views: 481

Re: TSP Monthly, Quarterly, and Annual Returns - March, 2014

(6) I've developed a neat 5th-order regression model of the Net Asset Values of the G-Fund with an astounding R² of .9998. It definitely shows the asymptotic "creep" and pitiful returns associated with the fund. The chart I developed also shows how much better (though less stable) the F-F...
by red5
Tue Apr 01, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly, and Annual Returns - March, 2014
Replies: 2
Views: 313

Re: Happy fifth birthday! [since the 2008-2009 market crash]

15%......active investing up to 2012, been indexing since 2012.
by red5
Mon Mar 10, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3961

Re: Feedback on my Investment Policy, Plan, and Allocations

Target Allocations (tracked by spreadsheet for rebalancing): • 70% Stocks/REIT, 30% Bonds • For Stocks: o Core/Large Cap Accounts (All-Market, S&P500): 55% o Large Value: 5% o Small Blend: 10% o Small Value: 5% o International: 15% o REIT: 10% I'll leave the analysis to the more seasoned poster...
by red5
Sat Mar 08, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback on my Investment Policy, Plan, and Allocations
Replies: 13
Views: 979

Re: Why do investors prefer cash dividends?

I personally thought this was a great article and it really made sense to me. It seems the argument for dividends is largely behavioral (?) I attempted a very quick, very simple, and dirty Excel simulation comparing returns after 100 years and with quarterly dividends and there was no difference in ...
by red5
Tue Mar 04, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5832

Re: Good Russian ETF

by red5
Mon Mar 03, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Good Russian ETF
Replies: 15
Views: 1359

Re: Converting amps to KwH

I believe kilowatts = (volts*amps)/1000

Then
Kilowatt hours = kilowatts * # hours used

Finally, to calculate the cost
Cost = kilowatt hours * electricity rate
by red5
Sat Mar 01, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Converting amps to KwH
Replies: 18
Views: 652
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