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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: 43
Views: 3597

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: 51
Views: 4154

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: 1580

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: 1853

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: 5098

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: 16961

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: 16961

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: 1494

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: 1623

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: 506

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: 1889

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: 2254

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: 1419

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: 3676

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: 2231

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: 2604

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: 1647

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: 158

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: 3470

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: 1103

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: 936

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: 5166

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: 138
Views: 7115

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: 1019

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: 1019

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.
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by sometimesinvestor
Sat Sep 06, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1177

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: 1055

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: 1055

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: 988

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: 2146

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: 2269

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: 18228

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: 3921

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: 812

Re: Is it me, or are "collectibles" worthless in 2014?

At least he didn't collect stamps. We just tossed a whole bunch of "collectibles" that were coveted by my late grandmother. As my buddy says to me, "It will all get thrown out when you die." We are a throwaway society. Stamps are ok if you paid a good deal of money for them The ...
by sometimesinvestor
Sat Aug 23, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6849

Re: new to investing - please help with re-balancing retirem

What is the return on the Valic fixed interest/ If 2% or higher it might be a good choice fora portion of your bond funds.I also agree with Hoppy that the big switch is a little concerning. If you had hesitated to be in the market because of fear and you now see it has been doing well so want to go ...
by sometimesinvestor
Sat Aug 23, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to investing - please help with re-balancing retirement
Replies: 4
Views: 450

Re: Opinions on Webroot Security Anywhere

I actually pay for it. Its truly idiot proof.i.e there is almost nothing to do but schedule a scan plus scan whenever the mood strikes.Its updated in the cloud so you don't have to worry about updating.How good is it at detecting viruses? I am not really sure because I am careful about where I go bu...
by sometimesinvestor
Thu Aug 21, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Webroot Security Anywhere
Replies: 6
Views: 461

an interesting chart [Asset correlation matrix]

not completely sure what to do with this but perhaps the more knowledgeable can help

http://www.assetcorrelation.com/majors
by sometimesinvestor
Tue Aug 19, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: an interesting chart [Asset correlation matrix]
Replies: 3
Views: 813

Re: WSJ: Is Your Portfolio Too Diversified?

Nisiprius wrote this and though I have great respect for his knowledge I think he was being unfair to the person from TRP or a similar person from Vanguard "wish I had a transcript of an NPR interview that was on the radio in late 2008. The interviewer was talking to a T. Rowe Price representat...
by sometimesinvestor
Sun Aug 17, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 23
Views: 3548

Re: Florida Retirement System Pension vs. Investment Option

To the extent you can save outside the 3% contribution the pension plan seems better because the existence of the cash flow associated with the pension means that you are less stressed regarding investment performance , can perhaps have a slightly more aggressive portfolio outside of the pension or ...
by sometimesinvestor
Sat Aug 16, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Pension vs. Investment Option
Replies: 8
Views: 820

Any thoughts on this study of active v passive

conclusion passive mostly wins but difference is often exaggerated
http://www.marketwatch.com/story/index- ... 2014-08-01

Perhaps it takes more than 15 years to insure for higher fees to dominate
by sometimesinvestor
Fri Aug 01, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Any thoughts on this study of active v passive
Replies: 6
Views: 781

Re: Huff Post: How Financially Literate Is the Investing Pub

I have other problems with question 5 as we know what happened to the cost of goods but many of us spend money on services. The fact that many here have problems with several of the questions makesme wonder how careful the quiz writers were.o
by sometimesinvestor
Fri Aug 01, 2014 6:53 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4964

Re: Do any boggleheads invest in individual companies?

I am puzzled by the people who indicated that they purchased Bank OF america and Ford in 2009 and did not outperform the market ,I can only gather they were VERY unlucky with market timing
by sometimesinvestor
Thu Jul 31, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 6188

another article on the vanguard suit

[Thread merged, see below. --admin LadyGeek]

http://www.philly.com/philly/blogs/inq- ... fG3jzFh.99

certainly hope vanguard wins or we will all pay.
by sometimesinvestor
Thu Jul 31, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 201
Views: 29667

Re: Help with 401k choices

Your bond choices are not the best. I would check the expenses ratios of Dodge and Cox income and the T.Rowe price 2010 fund and go with the cheaper one. the latter will provide some international exposure and about 40% of the investment in bonds These funds are an additional to the vanguard funds n...
by sometimesinvestor
Wed Jul 30, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k choices
Replies: 9
Views: 709

Re: Where would you put 30k for a 70 yo first time investor?

Unfortunately we don't really know this persons risk tolerance as bear markets have a tendency to lead aggressive investors in to an all cash position. One possibility not yet suggested is to determine how old are those he expects to inherit and invest in an appropriate target retirement fund.That w...
by sometimesinvestor
Sun Jul 27, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Where would you put 30k for a 70 yo first time investor?
Replies: 13
Views: 1529

Re: Should I convert my IRA?

I think in the 15% bracket you should be all Roth all the time/ When you end up in the 25% bracket its a tossup / Above that traditional startslooking good
by sometimesinvestor
Sat Jun 21, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I convert my IRA?
Replies: 10
Views: 1016

Re: Make sense? Add more to wife's 457 and take SS

Its surely correct if your wife can earn 8% on her additional investment (because delaying SS each year after 66 increases the payout by 8% the following year.8% is of course likely to be a relatively good return that most of us would be glad to take.If you can't earn 8% things like how long your wi...
by sometimesinvestor
Sat Jun 21, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Make sense? Add more to wife's 457 and take SS
Replies: 4
Views: 302

Re: what to do about bond investing if worried

Sorry but i don't understand the critical comments. It seemed clear to me the author did not advocate these funds but was advocating individual bonds.
by sometimesinvestor
Thu Jun 19, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1157

what to do about bond investing if worried

http://www.investmentnews.com/article/2 ... e=printart

not exactly a new approach but perhaps worth doing if you have enough capital to diversify (probably at least 25k allocated to fixed income
by sometimesinvestor
Thu Jun 19, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1157
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