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Re: Not "Staying the Course"

probably once a decade its pretty obvious to change ones asset allocation. Two examples: In 1981 it was probably clear to buy bonds because the interest rate was higher than the long term return of the stock market. Less clear but reasonable was to sharply reduce ones allocation to stocks in 2000 be...
by sometimesinvestor
Fri Feb 27, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4466

Re: How much has Bogleheads contributed to your net worth?

I started with this site sometime in early 09. I used to not worry about asset allocation and was usually 90% stocks 10% money market Clearly in that period to date diversification has hurt and all equities better.
by sometimesinvestor
Sun Feb 22, 2015 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4104

a study of rebalancing

like most things the years you do it matter.

http://blog.thinknewfound.com/questioni ... add-value/
by sometimesinvestor
Sun Feb 22, 2015 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: a study of rebalancing
Replies: 6
Views: 584

Re: active vs passive in response to Larry Swedroe posting

" But in the worst storms of bear markets, active management might save you and the long term performance will be somewhat similar anyway so its better to gamble with the active option (even with their higher fees) as long as they have the kind of track record and skill of Tweedy Brown." ...
by sometimesinvestor
Tue Feb 17, 2015 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: active vs passive in response to Larry Swedroe posting
Replies: 30
Views: 3256

Re: just starting my roth IRA: which funds to choose?

Sorry if I confuse but here is different advice. Keep the money in the money market fund but dollar cost average(see the wiki if needed) into Vanguard Star . The first investment is only a $!000 and you can later make much smaller investments(I read the website as a $1 minimum but I may be wrong and...
by sometimesinvestor
Tue Feb 17, 2015 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 792

Re: Stupid question from a bond fund neophyte

Not adding too much to the discussion but in case it clarifies there is a two line poem reflecting most of the comments

" If this you know then you know all
When rates do rise then prices fall"
by sometimesinvestor
Tue Feb 17, 2015 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stupid question from a bond fund neophyte
Replies: 14
Views: 977

Re: What to do with 8k in a Roth?

Don't know how frequently you plan to trade(2 or 3 trades a year or 30-40 may make a difference in the kind of account where you should trade. If your trades are mostly successful a Roth might be best but I think you should consider doing this in a taxable account so the IRS will compensate you to s...
by sometimesinvestor
Thu Feb 12, 2015 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 8k in a Roth?
Replies: 7
Views: 898

Re: Overweight cash?

google "risk tolerance quiz". You will find a large number and they are all short and take less than 5 minutes. They ask questions like age, when do you plan to retire, are you comfortable investing in stocks . ,if your investments fall in value would you sell etc. Once you answer the quiz...
by sometimesinvestor
Thu Feb 12, 2015 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Overweight cash?
Replies: 13
Views: 1893

Re: Investing help for my grandfather

the xle ,E energy etf yields about 2.5%.This may be a case when a less diversified alternative XOM (exxon) hasa higher yield and less downside risk.. Your grandfather might be wrong or might be right about energy prospects but his thesis is not so silly that you discourage an investment if it is no ...
by sometimesinvestor
Mon Feb 09, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing help for my grandfather
Replies: 8
Views: 475

Re: College Saving Options for NJ Resident

Given that your income is over 300k you probably like your jobs and plan to keep them . Still it is certainly more likely that you will take a job in NY than a job in Utah. Thus a minor advantage of the NY plan in addition to lower fees is the larger possibility of getting a state tax deduction in t...
by sometimesinvestor
Thu Jan 29, 2015 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: College Saving Options for NJ Resident
Replies: 5
Views: 336

Re: 457 Investment Choices

Decide on an asset allocation for this account. Than buy some TRP Capital Appreciation(a fund with a terrific record http://money.usnews.com/funds/mutual-funds/moderate-allocation/t.-rowe-price-capital-appreciation-fund/prwcx an expense ratio of .71 and more importantly an excellent objective and ap...
by sometimesinvestor
Tue Jan 27, 2015 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457 Investment Choices
Replies: 7
Views: 719

Re: Dealing with pressure for "social donations" at work

If you earn enough to be asked think of it as the cost of doing business and pay. Silly to burn bridges before you have a clearer picture of how things work in this organization/
The situation does seem very strange
by sometimesinvestor
Tue Jan 27, 2015 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 16788

Re: Engaged - marriage penalty & other practical concerns

My calculations using a total of $500k split 200 and 300 were also slightly more than 10k penalty .Looking at all the arguments outside of romance and the fact that marriage does increase the chance you will stay together it seems that you can wait for pregnancy but that changes the equation to enco...
by sometimesinvestor
Mon Dec 29, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 3913

Re: Giving a stock as a gift

I disagree with previous posters and believe Disney is exactly the right stock . Just make sure you can get a stock certificate and consider framing it in a frame that is easy to remove. i believe the current certificate has Disney characters on it and certainly annual reports will have picture of i...
by sometimesinvestor
Mon Dec 29, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Giving a stock as a gift
Replies: 17
Views: 1320

Re: mom was Wells Fargo Stable Value Option in 401k

Yes you need to contact the plan. For a stable value fund the most important number is the yield not the expense ratio. Other important information is credit strength of the backers/creators of the fund though a Wells Fargo fund probably will be fine on that count.Its best, i think to think of a sta...
by sometimesinvestor
Mon Dec 29, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: mom was Wells Fargo Stable Value Option in 401k
Replies: 2
Views: 369

Re: Best Investments for a Roth

Assuming municipal bonds are not appropriate in your taxable account I would put $5000 in a Roth entirely in a bond fund and the rest in the 2035 fund which is currently about 83% stocks and 17% bonds . This will give you your 80-20.. If municipals are appropriate I would use some proportion of Vang...
by sometimesinvestor
Mon Dec 29, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Investments for a Roth
Replies: 16
Views: 1546

Re: Master degree in Math

I think taking calc 1,2,3 and statistics will be of value to your employer if you stop there. However Calc 1,2, 3 are so different fro advanced math that success in the former does not imply success in the latter.Most math grad students will have taken at least 6 or 7 courses in math . I can see you...
by sometimesinvestor
Mon Dec 15, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Master degree in Math
Replies: 50
Views: 4700

Re: How do you factor entitlements into your investing plan?

Just my opinion but unless you earn a lot of money saving/investing under the assumption that even .75 social security won't be available and medicare won't be you will have to save/invest such an incredible proportion of your income that you will seriously affect the lifestyle you have.Isn't it bet...
by sometimesinvestor
Sun Dec 14, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you factor entitlements into your investing plan?
Replies: 52
Views: 4969

in the past there was a period when active outperformed

From an article on the Barron's website: "From 1962 through 1981, the median actively managed fund returned nearly 70 percentage points more than the S&P 500 over those 20 years. Unfortunately, the good times didn’t last: From June 1983 to June 2014, the median fund underperformed the marke...
by sometimesinvestor
Sun Dec 14, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: in the past there was a period when active outperformed
Replies: 30
Views: 1628

Re: Hypothetical - Mutual Funds Don't Exist

I would invest in 20-26 or so large cap stocks ,.Basically at least two in each sector and after that was done perhaps overweight a sector (health care for the next 5 years than who knows. Can't consider investing in smallcaps or international because of lack of time. If it isn't covered by valuelin...
by sometimesinvestor
Fri Dec 05, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical - Mutual Funds Don't Exist
Replies: 26
Views: 2020

Re: Fidelity's retirement savings guideline-Only need 8x sal

Agree with Meg .Fidelity is trying for the best result possible not the best possible result (Bogelhead 12-15 times salary/ Anyone who meets Fidelity's targets will be able to lead a comfortable but not lavish retirement. I think there has been an overestimate on spending targets in this thread.If y...
by sometimesinvestor
Mon Dec 01, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5207

Re: Jane Austen's Economics

Google may forget, but the Internet Archive sometimes does not: a little playing around with the Internet Archives' Wayback Machine provides Mr. Barnitz's "Economic Analysis of Jane Austen" (posted 10.26.2005): https://web.archive.org/web/20061104094111/http://literatureandmusic.blogspot....
by sometimesinvestor
Wed Nov 19, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17317

Re: Jane Austen's Economics

Hope the op tries the suggested remedy above by kithwang
by sometimesinvestor
Tue Nov 18, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17317

Re: How to buy "junk" bonds as an individual investor?

I think this is clearly a place where you want an actively managed fund. Buying individual bonds I think is too much work because of the credit analysis you will have to do.(should you buy the junk bonds of Ford and/or transocean I have no idea but I know the analysis will be time consuming )There m...
by sometimesinvestor
Sun Nov 16, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to buy "junk" bonds as an individual investor?
Replies: 24
Views: 1743

Re: Why is this simple for everyone else, retiree Roth quest

1-4 are all good reasons .Isn't that enough if the math comes out even
by sometimesinvestor
Fri Nov 14, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is this simple for everyone else, retiree Roth question?
Replies: 13
Views: 1651

Re: Do currency-hedged international funds make sense?

Right or wrong there is a strong consensus at this time that Japan is trying to weaken its currency and so equity investments should be hedged. There are several ETFs that do this for Japan. Many also believe this is appropriate for investments valued in Euros but not all agree.
by sometimesinvestor
Mon Nov 10, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Do currency-hedged international funds make sense?
Replies: 5
Views: 560

Re: Few questions before investing(that I couldn't find answ

Basically the probability of losing money in a one year investment in stocks is greater than the probability of losing money on a two year investment and the probability of losing money on a 20 year investment in the broad market i.e owning all available stocks or even the 500 largest ones is very s...
by sometimesinvestor
Sun Nov 09, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Few questions before investing(that I couldn't find answers)
Replies: 16
Views: 1901

Re: The Sell in May and go away myth, why does it persist

It persists because it can work depending on how long you go away and that's not clear in the slogan. Consider 2014 which Larry cites as a failing case. He appears to be correct because he uses the end of October but what if he used Oct 15, the recent low.If you sold May 1 and purchased bnd the Vang...
by sometimesinvestor
Sat Nov 08, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: The Sell in May and go away myth, why does it persist
Replies: 15
Views: 2337

Re: Good active funds to use in 401ks w/o index funds?

If available T.Rowe Price Equity Income and Price Capital Appreciation are both sensible as is Vanguard Wellington, Wellesley and the Primecap funds.. and all these funds are often found in 401ks. A few years ago I would have also suggested Fidelity Contrafund and Fidelity Low price stock but I now ...
by sometimesinvestor
Wed Oct 29, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Good active funds to use in 401ks w/o index funds?
Replies: 16
Views: 1490

Re: Fidelity Mutual Fund Strategy?

Some of the advice you are getting may reflect an assumption that the money is going into an IRA (regular or Roth) .In particular if this is a taxable account the suggested bond funds may , depending on your income be less appropriate than a municipal bond fund. If this is a taxable account and you ...
by sometimesinvestor
Wed Oct 29, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 4062

Re: If I am a LT investor, should I forgo a bond allocation?

Most of the answers the OP is getting are pretty consistent and mine will be part of the consensus but put a little differently. Basically its mostly Psychology .i.e how is your loss tolerance. An investment in bonds or money market funds as part of your portfolio will reduce your loses in a downtur...
by sometimesinvestor
Wed Oct 29, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: If I am a LT investor, should I forgo a bond allocation?
Replies: 28
Views: 2297

Re: Active bond funds better than indexes? Pimco thinks so

I thought the article made some good points. Bogle thinks the bond index contains the wrong securities (too much in treasurys)While past performance is no guarantee it is my understanding that at least in equities past poor performance over a multi year period does provide a pretty good warning. Bot...
by sometimesinvestor
Fri Oct 24, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2762

important supreme court case [on high cost 401k plans]

lets hope the good guys win http://finance.yahoo.com/news/401-k-plan-really-owes-013222203.html f you had a choice between two share classes of the same mutual fund — the only difference being that one class charged higher fees and was therefore guaranteed to have poorer returns — the choice would n...
by sometimesinvestor
Fri Oct 17, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: important supreme court case [on high cost 401k plans]
Replies: 7
Views: 1667

inexpensive etf portfolios that might be of interest st

some of the suggested ETFs have even outperformed their index (but not by much)

www.etf.com/sections/blog/23534-this-et ... ld-it.html
by sometimesinvestor
Tue Oct 14, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: inexpensive etf portfolios that might be of interest st
Replies: 0
Views: 163

Re: Can I open up a Roth IRA for my 6 year old?

If you name your child as a beneficiary of a Roth account he/she will have to take out money each year in accordance with his/her life expectancy. Of course that might only mean 2% per year but its not like the account can just sit there and grow. In fact if you don't start taking RMDs in accordance...
by sometimesinvestor
Mon Oct 06, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3543

Re: New investor would deeply appreciate advise.

We don't know your wife's choices but that's not necessary if she is happy. If you are putting your money in Fidelity I would buy FFNOX, the four in one index fund. That fund is a mixture of international, and Us stocks and a small amount of bonds. Its asset allocation is reasonably appropriate for ...
by sometimesinvestor
Mon Sep 29, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: New investor would deeply appreciate advise.
Replies: 10
Views: 1192

Re: Comm of PA 457 or Vanguard IRA?

As to other info income is possibly important but it sounds like you are in decent shape but not very high income (31% bracket or higher) If you did have the high income a Roth might not be your best be. As to the choice: I speculate that the reason for few responses is that it is unlikely to make m...
by sometimesinvestor
Fri Sep 12, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Comm of PA 457 or Vanguard IRA?
Replies: 11
Views: 955

Re: How much value can an advisor add for the average invest

When I looked at the CFP exam and the description of what a CFP is supposed to do, I got the impression that investment advice is only supposed to be a small, almost trivial part of the services. I think the "value" an advisor is supposed to provide is being able to answer questions like ...
by sometimesinvestor
Wed Sep 10, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5249

Re: Good Modern Science Fiction

[u]

You might like David Webbers Honor Harrington series "on Basilisk station" is the first and if you don't like it this is probably not the series for you. . I also liked this http://www.amazon.com/First-Channel-Sim ... 1434412261
by sometimesinvestor
Mon Sep 08, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 155
Views: 8943

Re: market timing using moving averages /good news bad news

Read an article analyzing the success and failures of market timing using 200 day/10 month moving averages(basically sell when index drops below , buy when it goes above. Conclusions. Underperforms an all stock portfolio but is much less volatile. This is a price many would pay. .Fails when time pe...
by sometimesinvestor
Sun Sep 07, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: market timing using moving averages /good news bad news
Replies: 14
Views: 1035

market timing using moving averages /good news bad news

Read an article analyzing the success and failures of market timing using 200 day/10 month moving averages(basically sell when index drops below , buy when it goes above. Conclusions. Underperforms an all stock portfolio but is much less volatile. This is a price many would pay. .Fails when time per...
by sometimesinvestor
Sun Sep 07, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: market timing using moving averages /good news bad news
Replies: 14
Views: 1035

Re: need help with basic investing math

No one else has said it so I may be wrong but it looks like your numbers are only correct if you invest each year on Dec 31. Otherwise you would make some money on the 10k you invest each year.
r
by sometimesinvestor
Sat Sep 06, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1185

Re: Role of Non-Vanguard Index funds in your portfolio

Obviously one might wish to own an actively managed non-vanguard fund. If we are only considering index funds I think Schwab and Fidelity each have at least one fund with a lower expense ratio than the vanguard equivalent.. There are also the so called "smart Beta ETFs that use non standard ind...
by sometimesinvestor
Sat Sep 06, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Role of Non-Vanguard Index funds in your portfolio
Replies: 15
Views: 1073

Re: Vanguard Healthcare Fund [Portfolio help]

I agree with the comments that you should not make a big bet on health care and agree thai a health care fund does not increase diversification. As noted it increases your risk . In this I am not different from other commenters. Where I differ is that I think its ok to invest in such a fund. Health ...
by sometimesinvestor
Fri Sep 05, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 1251

Re: Assest allocations with a pension, help

Whileslightly different this thread touches ona very popular thread i.e one that asks the question "How should a pension change /affect my asset allocation" There are two schools of thought 1.A pension lets you be more aggressive because it will provide a reasonable amount of money even if...
by sometimesinvestor
Wed Sep 03, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Assest allocations with a pension, help
Replies: 16
Views: 1005

table suggests total bond not best as diversifier

source http://funds-newsletter.com/sept14-newsletter/sept14.htm in which the author suggests long treasury bonds often do better when stocks do worse and vice versa Obviously past performance might not continue but the relationship seems to be ongoing .Yet in a previous period (the 90s)the relations...
by sometimesinvestor
Sun Aug 31, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: table suggests total bond not best as diversifier
Replies: 20
Views: 2177

Re: NYC [Visit to New York City]

another vote for the circle line if the weather is good. It will help orient you.Also if you like such things the Bronx Zoo is one of the Top zoos in this country and probably the world.
by sometimesinvestor
Sun Aug 31, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2344

Re: My husband's " WILL", $ left for me to live on....

It seems to me very important to estimate your future annual expenses if only because you can use those numbers to convince him he has not left you enough to be comfortable.Your husband sounds "thrifty" and is trying to save his money (for the kids) but I have no reason to think he does no...
by sometimesinvestor
Thu Aug 28, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 18478

Re: 100% stock AA-> At what age to add bonds?

T.Rowe Price which is more aggressive than Vanguard is 90-10 until 25 years to go and than gradually goes down (80-20) at 15 years.At current levels (stocks have gone up for 5 years) it is likely that sometime in the next few years the Dow will drop a few thousand points. At that point if you are a ...
by sometimesinvestor
Sun Aug 24, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3976

Re: new to forum

1.Some believe that small cap will do better in certain situations and so they purchase a larger share of their investments than small cap is part of the total market index. Similarly other people may want a larger share of large stocks than in the index. The latter view is more likely in poor marke...
by sometimesinvestor
Sat Aug 23, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to forum
Replies: 7
Views: 819
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