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New investment chief says Vanguard to stay lowest cost

Reuters has an article - New investment chief says Vanguard to stay lowest cost that gives a little insight of the incoming CIO Tim Buckley. Tim Buckley, who takes over as chief investment officer at The Vanguard Group in January, has never managed money in his 20 years at the firm. He has no plans ...
by simba
Tue Oct 02, 2012 11:45 am
 
Forum: Investing - Theory, News & General
Topic: New investment chief says Vanguard to stay lowest cost
Replies: 1
Views: 470

Re: Saving for kids education

And presently, there are significant tax benefits for paying for some of college from a checking account and not from a 529 plan, so don't forget that. Can you shed some more light on this? I know for folks in states that offer tax incentives, there is an underused method of getting the tax deducti...
by simba
Fri Aug 17, 2012 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for kids education
Replies: 26
Views: 2831

Re: Spreadsheet for backtesting (includes TrevH's data)

I did a spreadsheet with MONTHLY data about a year ago. It does not noticeably change the results at all. I also computed Max Drawdown, and determined that you can estimate Max Drawdown by multiplying the Standard Deviation by 3. So no, it is not worth your time to go quarterly, it wasn't even wort...
by simba
Fri Jan 27, 2012 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Re: Spreadsheet for backtesting (includes TrevH's data)

Completely agree, though I was somewhat chagrined to only find it after having done a significant amount of work to build something similar myself. However since yours was far superior to the product I had and so many more people are checking it for errors I was happy to switch. Now everyone can be...
by simba
Fri Jan 27, 2012 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Re: Spreadsheet for backtesting (includes TrevH's data)

I love the spreadsheet, but I am using OpenOffice and the new versions (both) are not working for me. Nothing but errors. Am I doing something wrong? Please use libreoffice . I noticed openoffice had some issues but I saw none with the libreoffice [I am using the current stable version 3.4.5] [FYI ...
by simba
Fri Jan 27, 2012 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Re:

Simba - great spreadsheet - love it :) Query on the 5 year treasury VFITX for 1995 though that shows a 20.44% gain. From http://www.federalreserve.gov/releases/h15/data.htm it looks like the 5 year T yields were 1994 6.69 1995 6.38 1996 6.18 So I can't see how a 20.44% gain in 1995 occurred. Yahoo ...
by simba
Thu Jan 26, 2012 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Re:

Hi Simba, thanks for all the work you do on these spreadsheets. I was looking at some sample asset allocations the other day and I think I've discovered a slight correction that needs to be made. On both of the "Returns" tabs, I don't think the conditional formatting has been applied to a...
by simba
Thu Jan 26, 2012 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Re: Spreadsheet for backtesting (includes TrevH's data)

The latest version of the spreadsheet (rev11a) is now available.

You can download the latest version of Excel Spreadsheet [rev11a] or the LibreOffice version [rev11a]

The latest version will always be reflected in post #1 for this Topic - Spreadsheet for backtesting

Best Regards,
Simba
by simba
Thu Jan 26, 2012 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Re: Spreadsheet for backtesting (includes TrevH's data)

Folks - Sorry but I have been hibernating from the forum ;)

I'll be posting an update with 2011 returns shortly.

Wishing you all a very happy new year.

Best Regards,
Simba
by simba
Mon Jan 09, 2012 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Not related to the question the OP raised but Ars Technia had this excellent investigative report on how the CEO of a security firm tried using Social Media sites to track down "Anonymous" and ended up paying a heavy price. How one man tracked down Anonymous—and paid a heavy price and it's...
by simba
Fri Feb 11, 2011 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Use social networking tactics to bring down a corporation??
Replies: 22
Views: 2833

dekecarver, The incorrect symbol was a typo and has been fixed in the latest revision (rev10c). You can download the latest version of Excel Spreadsheet [rev10c] or the OpenOffice version [rev10c] The latest version will always be reflected in post #1 for this Topic - Spreadsheet for backtesting Bes...
by simba
Fri Feb 11, 2011 1:48 am
 
Forum: Investing - Theory, News & General
Topic: simba's back testing
Replies: 7
Views: 1016

The latest version of the spreadsheet (rev10c) is now available. You can download the latest version of Excel Spreadsheet [rev10c] or the OpenOffice version [rev10c] The latest version will always be reflected in post #1 for this Topic - Spreadsheet for backtesting Best Regards, Simba
by simba
Fri Feb 11, 2011 1:46 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Bongleur wrote:>This has been fixed in the next revision.

Post 1 has rev10b. Is that the fixed version you refer to above?

Adding the date of the current rev to Post 1 would be helpful.


Post 1 will always have the latest version.
by simba
Wed Feb 09, 2011 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Here are a couple of contrarian articles that question the need for EM in a portfolio.

Submerging Markets - Jeff Troutner (TAM Asset / Equius Partners - Aug 2006)

and a follow up
Another Look at Emerging Markets - Eric Nelson (Equius Partners - Sep 2009)

Best Regards,
Simba
by simba
Tue Feb 08, 2011 2:22 am
 
Forum: Investing - Theory, News & General
Topic: Why not go big with EM if time horizon is long?
Replies: 97
Views: 8318

Hi Simba, Love the rolling returns. Is it just me or does the column for 1985-2010 for nominal and real return start at 1972 and seem to go only to time point 1988 at most. Are they mislabeled? The time period on the 1972- 2010 seems to be labeled correct. Thanks. STC - You got sharp eyes :) The ch...
by simba
Mon Feb 07, 2011 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Simba, please don't take offense at my comments. I use your spreadsheet often myself and commend your work. I just want to make sure other less experienced investor don't get "carried away". Thanks again. STC - None taken. I appreciate your comments and definitely agree with you about the...
by simba
Sun Jan 30, 2011 1:35 am
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Like many I would like thank simba for tirelessly putting all this together. I feel like this app. Does need a few cautionary notes as a reminder not to data mine: 1. For the same reasons the sec does it: past performance does not predict future returns. 2. Remember that many of the indexs/ funds h...
by simba
Sat Jan 29, 2011 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Hey I'm a little bit confused. I made a hypothetical portfolio that is 100% t-bills/treasury money market and I'm showing a 2.76% percent return for 2010. That's not right, is it? Thanks for your wonderful tool. It has really helped me analyze my portfolio :) rmelv - There was a typo in the returns...
by simba
Sat Jan 29, 2011 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

stoub wrote:A minor labeling error for the next revision: the symbol for "VG Int'l Small" should be VFSVX, not VFWIX.


SET - Thanks for pointing the typo. I have fixed this for the next version.

Btw - Welcome to the forum.

Best Regards,
Simba
by simba
Sat Jan 29, 2011 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Mike/Lbill/yolk/wtoner/chrikenn - Thanks for you wonderful comments.

Have fun with the new version.

Best Regards,
Simba
by simba
Wed Jan 26, 2011 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

The latest version of the spreadsheet (rev10b) is now available. You can download the Excel Spreadsheet [rev10b] or the OpenOffice version [rev10b] A couple of extra charts have been added for rolling returns for both nominal and real returns. Have fun with the tool :) Best Regards, Simba
by simba
Wed Jan 26, 2011 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

BigFoot/Mike (re@51.5)/Jlhod1, I have the updated the spreadsheet with the 2010 returns. As Cb said i am waiting for a couple more funds to announce the returns in addition to the CPI numbers to be announced. Once I have them, I'll post the latest revision. Mike/Don (DP) - the latest version fixes t...
by simba
Sun Jan 09, 2011 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 350691

Jonathan Clements quit his WSJ job to become the Director of Financial Education for Citi Personal Wealth Management. Citigroup shutdown the myFi (Financial wellness program) back in 2009. Jonathan was working on his book Little book of main street money . He has also published some articles in WSJ ...
by simba
Tue Oct 19, 2010 2:48 am
 
Forum: Personal Consumer Issues
Topic: Has Jonathan Clements written any columns lately?
Replies: 3
Views: 1557

Wow. More than 25 funds. How do you keep up with the re-balancing? Are they mostly static with no additional contributions going in? Is the limitation only if you convert them yourself? I believe VG would do the automatic conversion on 10/24. Is the issue pertinent only if you are trying to convert ...
by simba
Wed Oct 13, 2010 2:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 25 account limit - Vanguard
Replies: 33
Views: 5882

I pay the $20 per year account maintenance fee because I live in Arizona (non-Nevada resident). I use this account just for the Upromise rewards. Upromise doesn't have an Arizona plan. I contribute any spare savings $ to the Arizona sponsored plan which is with Fidelity. Thanks for the great post e...
by simba
Wed Oct 13, 2010 2:21 am
 
Forum: Personal Finance (Not Investing)
Topic: vanguard 529 and Upromise
Replies: 14
Views: 3842

Are you sure? I have never seen mention of a $20 fee going through Vanguard 529 plan (Nevada), or a breakdown of the ER as you mention above. Perhaps I missed this.. Upromise / VG 529 plan website Please refer to the Program Description for the 529 plan for the split up of fees. The following repla...
by simba
Wed Oct 13, 2010 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: vanguard 529 and Upromise
Replies: 14
Views: 3842

The states sponsor the 529 plans. The plan is managed by either the state or they hire financial service firms to manage/administer their plans and the investment managers are financial firms that manage the investments in the plan. The State of Nevada sponsors The Vanguard 529 Plan, which is offere...
by simba
Wed Oct 13, 2010 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: vanguard 529 and Upromise
Replies: 14
Views: 3842

Re: 529 plans: 2nd kid on the way

I'm sorry, but I disagree with most folks AGAIN on this. First there is no guarantee that the stock market will give a 7% return on average over the next 20 years. What has the average return been over the past 10 years? We might expect more of the same going foward. Or, maybe not. Don't make decis...
by simba
Tue Oct 12, 2010 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plans: 2nd kid on the way
Replies: 35
Views: 4352

Correct me if I'm wrong, but... Why would you make a second account for the second child, except for the sake of keeping things separate? If the first child doesn't use all of their funds, the remaining can be transferred to the second child. Not sure if it works the other way around. And is it sti...
by simba
Tue Oct 12, 2010 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plans: 2nd kid on the way
Replies: 35
Views: 4352

Re: 529 plans: 2nd kid on the way

We have two kids (age 4 and age 8 months). We use the NY Vanguard 529 for the older one and we'll be starting another one before the year's over for the younger one. We started in the aggressive age-based option but switched to the "do-it-yourself" version of that after reading in Morning...
by simba
Tue Oct 12, 2010 5:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 plans: 2nd kid on the way
Replies: 35
Views: 4352

Brian/mas - Thanks for the reply. Looks like the commission-free ETFs offer is available for both existing and new investors. letsgobobby - The short term trading fee is $19.99. 8. Any order to Sell within THIRTY (30) Calendar days of last purchase (LIFO – Last In, First Out) will cause Account Owne...
by simba
Mon Oct 11, 2010 5:53 am
 
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade offers commission free ETF's
Replies: 40
Views: 6774

You can also see the announcement @ http://www.tdameritrade.com/trade/etfs.html The fine print states (emphasis mine) To trade commission-free ETFs, you must be enrolled in the program. Eligible ETFs purchased commission-free must be held for at least 30 days. If you sell an ETF within 30 days of be...
by simba
Sat Oct 09, 2010 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade offers commission free ETF's
Replies: 40
Views: 6774

I agree some of it may have to do with performance chasing.

I don't invest in CCFs but as Larry always said look at your portfolio as a whole. If we look at it piecemeal then some part of our portfolio might/will resemble the chart Prokofiev posted.
by simba
Fri Apr 23, 2010 11:37 am
 
Forum: Investing - Theory, News & General
Topic: How come there aren't any commodity threads?
Replies: 17
Views: 1916

nisiprius - Jerry may have cherry picked the dates to prove his point. But in this case, I agree with Andy that the dates were specifically chosen to coincide with the paper's publication. No cherry picking to prove their point. So why not blog about this is 2009 or 2008? I don't know but time will ...
by simba
Fri Apr 23, 2010 10:52 am
 
Forum: Investing - Theory, News & General
Topic: The More Things Change, The More They Stay the Same...
Replies: 8
Views: 1556

The More Things Change, The More They Stay the Same...

Jeff Troutner has this post in their company blog titled - The More Things Change, The More They Stay the Same Eric Nelson, one of our principals at Equius, who examined the “risk premiums” of stocks for two distinct periods going back to 1928. The first period ends in 1990--the ending year for the ...
by simba
Thu Apr 22, 2010 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: The More Things Change, The More They Stay the Same...
Replies: 8
Views: 1556

Why wine isn’t an investment

Felix Salmon blogs Why wine isn’t an investment Swiss researchers Philippe Masset and Jean-Philippe Weisskopf have a new paper out claiming to demonstrate that if you add wine to a portfolio of financial assets, that decreases your risk, increases your returns, and helps you out (if you care about s...
by simba
Thu Apr 01, 2010 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why wine isn’t an investment
Replies: 0
Views: 534

Lessons From Warren Buffett’s Personal Portfolio

Morningstar has an article titled - Lessons From Warren Buffett’s Personal Portfolio Interesting article on where Warren Buffett invests the 5% of his personal portfolio. http://im.morningstar.com/im/newhomepage/lfwb2.gif So one of the big questions is how does he live on 100K per year? Well he does...
by simba
Thu Apr 01, 2010 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Lessons From Warren Buffett’s Personal Portfolio
Replies: 4
Views: 2016

Obviously this calls for an alternative weighting scheme--maybe weighting by GDP/debt ratio? PIMCO Tries to Get Ahead of the Next Credit Crisis If you're concerned about potential storm clouds on the global debt horizon, then PIMCO Global Advantage Strategy Bond (PSAIX) may be worth a look. This wo...
by simba
Wed Feb 10, 2010 1:32 am
 
Forum: Investing - Theory, News & General
Topic: You might want to reconsider your Foreign Bond index fund
Replies: 6
Views: 2122

Greg@TaxAct - Thanks for taking the time to respond to other queries. I had a question - Is TaxAct 2009 supposed to alert us if the sum total of all the 401K deferrals [Box 12 - Code D-Elective deferrals to section 401(K)] is greater than the IRS limit of 16,500 for a person [younger than 50]? -Simba
by simba
Tue Feb 09, 2010 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Questions about using TaxACT with Vanguard 1099s?
Replies: 45
Views: 7760

Link for T Rowe Price Global Real Estate Fund Note about the fund's expense ratio: To limit the fund's expenses during its initial period of operations, T. Rowe Price will waive its fees and bear any expenses that would cause the fund's net expense ratio to exceed 1.05%. As of its fiscal year ended ...
by simba
Mon Feb 08, 2010 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: T Rowe Price has a Global Real Estate fund
Replies: 5
Views: 2729

Some previous discussions about S&D on Fixed Income side of the portfolio: http://www.bogleheads.org/forum/viewtopic.php?p=467658 http://www.bogleheads.org/forum/viewtopic.php?t=37178 In this post, Rodc discusses the Historical effect of bond length on portfolio returns RobertT discusses the Div...
by simba
Mon Feb 08, 2010 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and Dice Bond Portfolio?
Replies: 48
Views: 6182

TaxAct 2009 - 401K deferral alert

Greg@TaxAct - Thanks for taking the time to respond to other queries. I had a question - Is the TaxAct 2009 supposed to alert us if the sum total of all the 401K deferrals [Box 12 - Code D-Elective deferrals to section 401(K)] is greater than the IRS limit of 16,500 for a person [younger than 50]? -...
by simba
Mon Feb 08, 2010 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Prep Software
Replies: 33
Views: 6338

Being a boglehead, you can't beat the price of Free Conference Call . For the cost [which is free] they offer a fantastic services Free conference calls are simple and easy to use, requiring only a name and an e-mail address to receive an instant account. Once you enter your name and e-mail address,...
by simba
Mon Feb 08, 2010 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Looking for web/phone conferencing service
Replies: 2
Views: 679

Vanguard only puts up 18 months of history for dividends. Is there an area of their site that I am missing with long term historical data? Here are the yearly capital/income returns split for VG LT Investment Grade Fund [VWESX] Capital Income Total Barclays Idx Return Return Return Return 2009 2.29...
by simba
Mon Feb 08, 2010 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with long term corporate dividend question
Replies: 13
Views: 1512

3 guesses from me: 1. You should subscribe to this newsletter. This guy is a genius. He knows exactly when to move into/out of the market. He has made tons of money. [for himself selling the newsletter ;) ] 2. You should check out the market trading/investing software from xyz. They have this foolpr...
by simba
Mon Feb 08, 2010 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ask the Bogleheads!
Replies: 53
Views: 4844

What's in an expense ratio?

The fiduciary blog (Fi360 blog) of Investment News has an article titled - What's in an expense ratio? A very informative article about the different kinds of expense ratios. Audited Net Expense Ratio - The percentage of fund assets paid for operating expenses and management fees, including 12b-1 fe...
by simba
Wed Feb 03, 2010 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: What's in an expense ratio?
Replies: 1
Views: 678

Wow, thanks. When will you be sending my IJS? :D Tarnation - Expect a personal email such as the following from the Nigerian chamber of Commerce :lol: LAGOS, NIGERIA. ATTENTION: THE PRESIDENT/CEO DEAR SIR, CONFIDENTIAL BUSINESS PROPOSAL HAVING CONSULTED WITH MY COLLEAGUES AND BASED ON THE INFORMATI...
by simba
Wed Feb 03, 2010 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity - $7.95 Trades - 25 iShares ETFs Commisson-Free!
Replies: 70
Views: 23847

IndexUniverse has this article - Fidelity’s Free ETF Trading: Bad For Investors So what is the deal here? Well, it's fairly certain that money's changing hands, and that money is coming directly out of the BlackRock coffers and into the hands of Fidelity. But on what terms? While the price war is go...
by simba
Wed Feb 03, 2010 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity - $7.95 Trades - 25 iShares ETFs Commisson-Free!
Replies: 70
Views: 23847

I wish they'd increase how much is deductible. I think it's only like the first $1800 that you can deduct off your state taxes. Did you mean per individual? From their website For Utah Individuals: The 2010 individual Utah state tax credit amount is up to $1,710 in contributions per beneficiary mul...
by simba
Wed Feb 03, 2010 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Utah's 529 adds custom option and drops fees
Replies: 6
Views: 1314

Thanks for the heads up. Wow, 56 pages...looks like I have a reading project. Anytime fees are reduced and options are increased is a good thing. Not sure i will make any changes, but I now have some home work to do. DUG Dug, 56 pages? The press release is 2 pages. Jason - Thanks for the heads up. ...
by simba
Wed Feb 03, 2010 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Utah's 529 adds custom option and drops fees
Replies: 6
Views: 1314
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