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Re: New Investor Question

As the others mentioned, a Target fund *IS* a lazy 3-fund (or is it 4 now?) portfolio. A lazy 5 or 6 fund portfolio is basically a Target fund (i.e. a lazy 3 fund portfolio) with a couple extra higher risk funds (yet still index). At least this is so for the Vanguard Target funds. If you check them ...
by red5
Wed Oct 01, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Question
Replies: 5
Views: 181

Re: Starting Roth IRA soon, advice?

You are young and a Roth is a great idea. Take a look at the Health Care Fund. Actually it's very consistent and as of a few days ago it was Vanguard's best YTD fund. Don't do this. At the very least, don't do this blindly. I am 22, and I want to maximize gains. any suggestions? You say you want to...
by red5
Mon Sep 29, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Roth IRA soon, advice?
Replies: 11
Views: 720

Re: Unexpected Emergency

Are you on track to meet your retirement goals? If so perhaps a pause would be okay. If not then perhaps you could partially cut your 401k contributions and look at other parts of your budget to help you rebuild your EF.

Best of luck. I hope everything goes well.
by red5
Thu Sep 25, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3220

Re: Calculating Rolling Returns

Are you familiar with the XIRR function in Excel? Do you already have however many years worth of returns in order to do these computations? I don't think IRR (the returns are already annual) is the right approach here: Rate of return I see your point about returns already being annual. However XIR...
by red5
Wed Sep 24, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Calculating Rolling Returns
Replies: 14
Views: 839

Re: Calculating Rolling Returns

Well if you already have the yearly TOTAL returns (to include dividends, etc) for whatever funds/indices you are looking at then it would not be to hard to set this up in a spreadsheet provided you already are familiar with how to use it. Are you familiar with the XIRR function in Excel? Do you alre...
by red5
Wed Sep 24, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Calculating Rolling Returns
Replies: 14
Views: 839

Re: How to build a Vanguard portfolio

Any comparison conducted over a 2 year period will provide you with meaningless results. It's just not enough time. Not even close. I don't totally agree. The problem is finding appropriate benchmarks for the funds the advisor has him in. If the advisor has him in volatile sector funds there's just...
by red5
Tue Sep 23, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to build a Vanguard portfolio
Replies: 10
Views: 968

Re: Total Stock Market Dividends

InvestorNewb wrote:The September dividend for TSM is also virtually the same as Vanguard's high dividend yield fund:

Vanguard Total Stock Market - $0.46500
Vanguard High Dividend Yield - $0.46900

... it seems that TSM is superior in a lot of ways.


They have very different NAVs.
by red5
Tue Sep 23, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1161

Re: How to build a Vanguard portfolio

Any comparison conducted over a 2 year period will provide you with meaningless results. It's just not enough time. Not even close.
by red5
Tue Sep 23, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How to build a Vanguard portfolio
Replies: 10
Views: 968

Re: rebalancing at age 55

I can't help you since i have no idea what most of those initials are - I am assuming some or all of them are individual stocks? It sounds like you want to keep what you got and just have people say it looks good. I think on this board: You will find many people don't have any idea what all those i...
by red5
Mon Sep 22, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing at age 55
Replies: 7
Views: 776

Re: Vanguard monthly statement availability(Website)

I could be wrong on this, but.... I believe you only get statements during months when there is account activity (not including dividends) AND during the months of Jan, Jun, Sep and Dec. If it's August and there are no transactions then you will not receive a statement. At least that is how it is fo...
by red5
Sun Sep 21, 2014 5:53 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard monthly statement availability(Website)
Replies: 9
Views: 919

Re: cost of raising a child by age group

The answers are going to range so wildly that it will be a monumental task to glean anything really and truly informative concerning your own personal situation. Stay at home parent, or no? Day care or no? Cheap Wal-Mart diapers are expensive brand name? Nursing or the bottle? Purchasing clothes fro...
by red5
Fri Sep 19, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2454

Re: How to go about our messy portfolio?

Okay this is what I would personally do (I actually did do this a few years ago). There are many smarter investors on here who will give you some good advice too. - Make sure you are comfortable with a 70% / 30% allocation (imagine your portfolio going down to $800,000 in a correction/crash, can you...
by red5
Wed Sep 17, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How to go about our messy portfolio?
Replies: 20
Views: 2334

Re: Low down payment and invest or big down payment?

I took a kind of middle road, I guess. I put down somewhere between 20% to 25% on my 3.5% home loan and I am paying the bare minimum monthly payment. I think (hope) that over the course of 30 years my investments will give me more than 3.5% per year. If the loan was higher I would rethink my decisio...
by red5
Wed Sep 17, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Low down payment and invest or big down payment?
Replies: 7
Views: 1035

Re: How often do YOU rebalance and when?

Well I "rebalance" when I lump sum my retirement contributions at the beginning of the year. I do so by carefully allocating my newly invested money into my existing funds in order to achieve my desired allocation. This is quite easy to do and literally takes seconds. I suppose someday by ...
by red5
Tue Sep 16, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1977

Re: Any FRANCHISE owners here?

I liked to think of franchise owners as merely employees of the higher company who just happen to put up substantial capital. It depends on the company and location but they often are not free to make many decisions on their own (prices, opening hours, etc). If your 20 year old calls in sick for the...
by red5
Tue Sep 16, 2014 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3285

Re: Investing $100

I was your age when I first started to invest, which was not to awful long ago. Do you have a job yet? Student loans? What I did was I began to sink the maximum Roth contribution at the age of 22 and have done so ever since. My investments are very passive and there is certainly no "trading&quo...
by red5
Sun Sep 14, 2014 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100
Replies: 15
Views: 1836

Re: Angry when stock market is down

Is the market down today? I'll usually give it a check sometime in the later afternoon just in case there isn't some 5% decline for some "strategic" rebalancing. But seriously, live life.
by red5
Fri Sep 12, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4165

Re: Costco vs Amazon?

Purchasing milk throughout the year saves us our entire membership fee and then more. Milk is .75 to 1.00 dollar cheaper at Costco than any of the other local grocery stores. And the good thing about this is you don't buy it in bulk. Other items that we tend to purchase there include apples (fruit),...
by red5
Thu Sep 11, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4614

Re: What do you measure your AA against?

You can find a Retirement Fund (changes over time) or a Lifestyle Fund (does not change over time) that has a similar AA to what your AA is and compare it to that.
by red5
Sun Sep 07, 2014 5:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1120

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: 354

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: 9869

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: 931

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: 1153

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: 5171

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: 669

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: 225

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: 1419

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: 797

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: 2802

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: 1419

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: 2327

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: 2327

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: 9401

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: 35
Views: 4540

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: 676

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: 6146

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: 1041

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: 7344

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: 433

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: 265

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: 1568

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: 983

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: 13603

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: 13603

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: 13603

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: 13603

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: 13603

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: 3296

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: 7454

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: 352
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