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Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

I'm under-weighted in domestic mid caps -- 20% of the portfolio. Reading your post and looking at the performance charts makes me pause and reflect. Maybe I should re-think my small value tilt a little bit.
by steve roy
Sun Apr 20, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 38
Views: 2699

Re: Beware Vanguard DOES NOT update all your account values

Livesoft, Good catch. I, too, have noticed the discrepancy. So I always go (went) to balances and accounts for the up-to-date version. Unlike you, I was too lazy to figure out WHY there was a discrepancy. I kind of noted it was due to the ETFs but never analyzed it closely. So, thanks for the analys...
by steve roy
Sat Apr 19, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4418

Re: A Dictionary and a World Atlas: Recommendations?

How about the Oxford two-volume dictionary (with magnifying glass)? That's the pinnacle, isn't it? Since the internet and google, I don't bother much with dictionaries or atlases. I have several of each lying around the house but I mostly go to the laptop when I need something. By and by the resourc...
by steve roy
Sat Apr 19, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: A Dictionary and a World Atlas: Recommendations?
Replies: 14
Views: 762

Re: Advice needed for taxable portfolio over 2 million

You are over-thinking this a wee bit. You're allocation seems to me a good one: Lots of low-cost VG funds, small value tilt. And you're right, if you de-risk to a higher bond percentage now, you might end up with a smaller portfolio later. But nobody knows if that will happen. It might be the revers...
by steve roy
Sat Apr 19, 2014 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for taxable portfolio over 2 million
Replies: 11
Views: 2205

Re: Stocks: How Bad It Can Get

As shown, the answer is "Depression, U.S."

The next big drop will occur during "Ukraine, the invasion of."
by steve roy
Tue Apr 15, 2014 12:49 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5368

Re: The Coming Financial Crisis-Another Guru Has Spoken

"A broken clock is right twice a day."

"Even a blind squirrel finds an occasional nut."

These guys make predictions so that if they're right (for once), they can cash in.
by steve roy
Sun Mar 30, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: The Coming Financial Crisis-Another Guru Has Spoken
Replies: 5
Views: 1058

Re: "The First Quarter in Bond Funds"

I've got more funds than I really need, but collectively they're doing fine. I'm happy with my asset allocation (70% bonds with 4-year duration; 30% stocks with a small-cap and value tilt). I haven't touched anything in years, and it clicks along earning 4.5-6%.

I'l take it.
by steve roy
Sun Mar 30, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: "The First Quarter in Bond Funds"
Replies: 7
Views: 1287

Re: Can I Simplify and Improve this Portfolio?

No, just fold your GNMA and Hi Yield into the Short Term and Intermediate Bond Indexes. I'm an admirer of Taylor Larimore's three- fund solution, although I'm kind of like you: I've got a bunch of different bond and stock funds, not three. When I reflect on it, I think that most folks would do well ...
by steve roy
Sun Mar 30, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, TIPS Ladder, SPIA?
Replies: 20
Views: 1688

Re: Can I simplify and Improve this Portfolio?

In taxable, since your cost basis is less than 50% of the current stash, you're best served leaving the line-up as is. Why simplify and thereby pay capital gains? Just live with the reality that S & P 500 and Total Stock market funds are pretty duplicative of each other. Doesn't make a lot of di...
by steve roy
Sun Mar 30, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, TIPS Ladder, SPIA?
Replies: 20
Views: 1688

Re: Chance to Roll 401k into IRA OR New 401K - NOTHING's Eas

When the opportunity arises, I think it's better to roll 401(k) money into an IRA rollover account, because you have more control and a wider variety of investments at your disposal.

IMO, rolling 401(k) money into an IRA Rollover account is almost always the better option.
by steve roy
Sat Mar 29, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chance to Roll 401k into IRA OR New 401K - NOTHING's Easy!!
Replies: 9
Views: 471

Re: Best Movies of 2013

Kerdaboy wrote:Frozen.


Saw it, liked it, BUT ... I thought "Tangled" (another princess movie) superior.
by steve roy
Sat Mar 29, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5540

Re: Munis

Me, I split them up.

Currently, I own 65% intermediate term tax free bonds, 35% limited term. Vanguard's intermediate fund has the same duration as VG Total Bond.
by steve roy
Sat Mar 29, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Munis [Limited- or Intermediate-Term Municipal Bonds]
Replies: 5
Views: 819

Re: Really confused by Bernstein

None of the sages, as smart and learned as they are, have the marble tablets of complete wisdom. You have to make your own path through the jungle.
by steve roy
Mon Mar 24, 2014 1:07 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12894

Re: POLL: Do you have a financial advisor?

I have a flagship advisor, but that's it.

Reason being, I had a broker advisor for years, and the gent cost me a good deal of money. I've done fine using bogleheads, using Vanguard, and leaving it at that. I have no plans to change my current program.
by steve roy
Fri Mar 21, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 1984

Re: What Book Are You Currently Reading? Part V

Further feeding my appetite for books regarding Mark Twain, just finished William Dean Howells's "My Mark Twain", a short memoir about Howells's long literary and personal relationship with Sam Clemens. It's a nicely written book, one of the few first-hand accounts that we have of Clemens ...
by steve roy
Mon Mar 17, 2014 2:12 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602171

Re: Blog article: Core Four portfolios:

Informative piece. What's striking is how all the portfolios are in positive territory.
by steve roy
Fri Mar 14, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Blog article: Core Four portfolios:
Replies: 13
Views: 2094

Re: What's a reasonable composite expense ratio?

Twelve basis points.

DAMN those Wellesleys and Target Retirement Incomes!
by steve roy
Thu Mar 13, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 2882

Re: Costco vs BJs vs Sams Club

Costco has great service and great return policies, as far as we're concerned.
by steve roy
Sun Mar 09, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4016

Re: How did you get through the market crash in 08-09

I sat tight*.

Because in 2003, I didn't sit tight, and lived to regret it.

* Not react to bad news by selling.
by steve roy
Sun Mar 09, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: Portfolio Question (Asset Allocation)

I would lose the Vanguard recommendation of 4% international bonds. 4% is meaningless; I think you'd be better off sticking with the domestic Total Bond Fund.
by steve roy
Sun Mar 09, 2014 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question (Asset Allocation)
Replies: 3
Views: 257

Re: Portfolio Review - Reallocation from Target Retirement F

Your asset allocation seems quite reasonable, and you're striving for low costs, so that's also good. (Me, I weight to small value, but I don't think that's something that's necessary.) My only advice would be NOT to rebalance quarterly. Rebalancing between every 18 to 36 months would be better. Man...
by steve roy
Sun Mar 02, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Reallocation from Target Retirement Funds
Replies: 14
Views: 720

Vanguard Emerging Markets

[Thread merged into here --admin LadyGeek] This news from Seeking Alpha: Falling from 18 basis points to 15, the annual expense ratio of Vanguard's FTSE Emerging Markets ETF (VWO +0.2%) now matches the cheapest-in-class, Schwab's Emerging Markets Equity ETF (SCHE +0.3%). BlackRock's recent entry as...
by steve roy
Fri Feb 28, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4401

Re: vacation to Disneyworld

The World is pricey. Root around for deals on tickets. Stay in hotels off site. If you stay at a hotel on site, the rooms in the less expensive hotels and high end palaces aren't all that different. It's the lobbies and other common areas that are way different.
by steve roy
Sun Feb 09, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: vacation to Disneyworld
Replies: 23
Views: 1801

Re: When is it time to replace a car - is there a formula?

My rule of thumb: when a car starts nickel and diming you with repairs, sell the vehicle and buy a new one. You'll know when it's time because the car will be aggravating you big time.
by steve roy
Sun Feb 09, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: When is it time to replace a car - is there a formula?
Replies: 15
Views: 1549

Re: PORTFOLIO Analysis, AA Help for 30 y/o couple!

Concur with the above. Keep it

1) simple

2) broadly diversified

3) low cost.

Everything else follows from the above.
by steve roy
Sat Feb 01, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: PORTFOLIO Analysis, AA Help for 30 y/o couple!
Replies: 8
Views: 693

Re: What do you think of Vngrd Personal Advisors (for.03% fe

Not worth it at $0 cost. Bogleheads will give you far superior advice. This. 8-) Yeah, what kerplunk said. I will never use a financial advisor again. Few of them can tell me anything I don't already know. Swedroe, Ferri, Larimore, and many of the other folks here have provided me with knowledge I ...
by steve roy
Sat Feb 01, 2014 2:11 am
 
Forum: Investing - Help with Personal Investments
Topic: What do you think of Vngrd Personal Advisors (for.03% fees)?
Replies: 18
Views: 2266

Re: Cost Analysis: Living in CA vs the South

I'm a third-generation Southern Californian. My grandfather was born in Monrovia in 1898, and died in Monrovia in 1994 at age 95. (He didn't live in the town that long, just launched from there ... and splashed down there.) A school teacher could afford to buy a retirement home in Laguna Beach in th...
by steve roy
Sat Feb 01, 2014 2:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5510

Re: Do Bogleheads see this market dip as a buying point?

I'm not changing anything until I have big chunks of money to contribute to retirement accounts. Right now I'm at 70% bonds, 30% stocks (tilt to small cap and value) and plan to stay that way. BUT, I fantasize that if stocks were to take a sustained dive, so that P/E ratios were in single digits, I ...
by steve roy
Sun Jan 26, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13434

Re: Favorite National Parks

Hiking the Sierras and climbing Mount Whitney were some of the great pleasures of my youth.
by steve roy
Sun Jan 26, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 74
Views: 3126

Re: Help an old dude

If you're going the rental property route, are you prepared to work on it' manage it? And how long can you keep the routine up? How long do you WANT to keep the routine up? My mother had a lot of units for twenty-five years, but by age eighty she was really done. Just didn't have the strength, energ...
by steve roy
Sat Jan 25, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Help an old dude
Replies: 15
Views: 1671

Re: Bogleheads favorite Personal Finance/Investing Blog?

khale7 wrote:The Big Picture: http://www.ritholtz.com/blog/


+1 Mr. Ritholtz is funny. And calls them as he sees them.
by steve roy
Wed Jan 22, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads favorite Personal Finance/Investing Blog?
Replies: 25
Views: 4401

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

I've learned much from you, Mr. Larimore. Enjoyed your book and enjoy your posts.

Reaching ninety is a major accomplishment. But I'm informed that the next ninety years usually proceed smoothly.

HAPPY BIRTHDAY!
by steve roy
Wed Jan 22, 2014 8:37 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12671

Re: Rebalancing, AA, and Bonds

That's the question I was asking myself, and that's a natural comment (chasing performance), but I think it has more to do with the general consensus that bonds aren't going to do much for several years. This is different from chasing last year's stock returns of around 30%. The probability of bond...
by steve roy
Wed Jan 22, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing, AA, and Bonds
Replies: 12
Views: 761

Re: Rebalancing, AA, and Bonds

If bonds had gone up 4-5% in the past six months and stocks declined, oh, 15%, would you be asking this question? I doubt it. I think you'd have little to no trouble putting the money in bonds. The reason you're hesitating now is because the situation is as you've analyzed it. You're performance cha...
by steve roy
Wed Jan 22, 2014 3:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing, AA, and Bonds
Replies: 12
Views: 761

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

As Dr. Bernstein says: "Skating where the puck was."
by steve roy
Thu Jan 16, 2014 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 507
Views: 105653

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

William Bernstein had a nice analysis of the Permanent Portfolio on his Efficient Frontier site titled "Wild About Harry." http://www.efficientfrontier.com/ef/0adhoc/harry.htm Dr. Bernstein writes favorably about the PP, but after you read the article, you'll understand why people aren't t...
by steve roy
Thu Jan 16, 2014 1:58 am
 
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 507
Views: 105653

Re: 3 fund portfolio vs. slice and dice

I slice and dice. I'm weighted to small cap value and have more funds than I probably need. But as to "taking a lot of time" to rebalance, not really. I set the asset allocation up a year and a half ago and haven't spent more than a half-hour working on it since. But really. People will do...
by steve roy
Thu Jan 16, 2014 1:39 am
 
Forum: Investing - Theory, News & General
Topic: 3 fund portfolio vs. slice and dice
Replies: 39
Views: 2648

Re: Husband Left Me In Charge – Round 2

I wouldn't be too disappointed with the Vanguard Target Funds. You might have to pay a few more basis points, but they're diversified, solid and low cost. I would go with one of the Targets in your preferred Asset Allocation and avoid the high-priced managed funds. It's great to strive for the perfe...
by steve roy
Sun Jan 12, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Husband Left Me In Charge – Round 2
Replies: 17
Views: 3236

Re: High Earners - What's Your Profession?

Business representative of an Entertainment union in Holly-Wood. (Burbank, actually.) Into my final three years on the job.
by steve roy
Sun Jan 12, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22774

Re: Where do I start - no time to read them all

Me, I would start with The Only ... (etc.) but maybe sample it first, then sample the others. I would also go through the Wiki here. Another thing to do: Sample the books on Amazon, and scroll through the Reader Reviews. You'll get a good idea of the ones you want to read cover-to-cover first, and t...
by steve roy
Sun Jan 12, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I start - no time to read them all
Replies: 11
Views: 1077

Re: "Should You Count Social Security as a Bond?"

It's a silly question on its face. When you die, are you going to pass on your "bonds" to heirs?

Don't think so.
by steve roy
Thu Jan 09, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: "Should You Count Social Security as a Bond?"
Replies: 75
Views: 2868

Re: The Funniest Movie Ever

Re Cary Grant movies: "I Was a Male War Bride," "Mr. Blandings Builds His Dream House,". "Monkey Business."
by steve roy
Sat Jan 04, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: How much will a college degree cost

Also depends on the cost of schools. Our sons went to community colleges to start with. Second son is now at a state university, but we saved some major $$ by having him get general ed requirements out of the way at a local community college. Whether the last two years are done at university, or all...
by steve roy
Sun Dec 29, 2013 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much will a college degree cost
Replies: 11
Views: 812

Re: It's been a year. New portfolio thread.

If you could get a group of 401(k) participants to agitate for low-cost funds, you might (MIGHT) get somewhere. Companies can't ignore participants because (like it or not) they have a fiduciary duty to employees in their plan. It sounds like they can show that they went to the lowest-cost share cla...
by steve roy
Sat Dec 28, 2013 12:32 am
 
Forum: Investing - Help with Personal Investments
Topic: It's been a year. New portfolio thread.
Replies: 16
Views: 2315

Re: It's been a year. New portfolio thread.

- My employer's shown no interest in doing anything with the 401k plan - no new fund options, and certainly nothing low cost. We buy all kinds of services from that same company, including a few types of insurance. (And they provide us with various kinds of stationery that bears their company name,...
by steve roy
Fri Dec 27, 2013 2:23 am
 
Forum: Investing - Help with Personal Investments
Topic: It's been a year. New portfolio thread.
Replies: 16
Views: 2315

Re: Is anybody considering reducing bond purchases

I still add bonds as my high-bond allocation requires. Only now I'm buying short term bonds. I consider bonds the instruments of choice for preserving the retirement stash.
by steve roy
Wed Dec 25, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody considering reducing bond purchases
Replies: 24
Views: 1526

Re: What I've learned from the Bogleheads (a newbie perspect

You have taken away much the same wisdom that I have. I love this site.
by steve roy
Sun Dec 15, 2013 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What I've learned from the Bogleheads (a newbie perspective)
Replies: 8
Views: 1148

Re: S&D vs 3 Fund Portfolio Risk Adjusted Equity Percentages

One reason the three-fund portfolio is good for many investors is it's simple and widely diversified. And simple is crucial, I think, because it helps people stay invested when the sledding gets rough. You can have a beautifully designed slice-and-dice portfolio that my or may not out-perform Taylor...
by steve roy
Sat Dec 14, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: S&D vs 3 Fund Portfolio Risk Adjusted Equity Percentages
Replies: 19
Views: 1582

Re: Look at me! I'm beating the S&P!

My personal US stock performance has been outstanding for more than ten years. I'm expecting to receive jobs offers from several large hedge funds very soon. My US Index Fund Is Smacking S&P 500 Funds Special thanks to Allan Roth for his assistance with this article. Rick Ferri Read the article...
by steve roy
Sat Dec 14, 2013 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Look at me! I'm beating the S&P!
Replies: 13
Views: 2063

Re: What Book Are You Currently Reading? Part V

I'll tap the tired horse again, re "It Was a Very Good Year." "It was a Very Good Year" was written specifically for Bob Shane by composer/lyricist Ervin Drake in 1961 ... at the suggestion of the Trio's publisher. Drake ... mentioned how much he'd like to write a song for the Tr...
by steve roy
Tue Dec 10, 2013 12:56 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602171
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