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Re: Vanguard FTSE All-World ex-US Small-Cap ETF

I've owned this ETF for some time. It's half of my foreign asset allocation, and I'm fine with it. I'll be purchasing more over the next two years. A lot more.
by steve roy
Sat Mar 28, 2015 12:05 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 8
Views: 1048

Re: Vanguard's Week In Review

I would look at this:

http://www.calculatedriskblog.com/

Bill McBride has great charts and lots of down-the-middle analysis. But there are plenty of places to get analysis and reporting. I guess you just choose your flavor, and go.
by steve roy
Fri Mar 27, 2015 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 1861

Re: Vanguard Problems

Vanguard products are great, their customers service reminds me of Walmart. The way I have dealt with this is by increasingly using Fidelity. When I was looking to open a Solo 401K there was a stark difference between the two. To be honest I felt like Vanguard didn't care if they got my business or...
by steve roy
Fri Mar 27, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3067

Re: Automatic investing in to VG mutual funds

I used to buy Wellesley with automated weekly purchases. My wife still does it. Never a problem.
by steve roy
Thu Mar 26, 2015 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Automatic investing in to VG mutual funds
Replies: 12
Views: 1199

Re: Munis for Diversification?

There's no 100% correct way to do it. If you run out of room in your tax-advantaged space, then use Munis. I do. But if you can jam your bonds into IRAs and 401(K)s and place equities on the investment side of your portfolio, that's okay too. If you've got big retirement accounts with lots of bonds ...
by steve roy
Mon Mar 23, 2015 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Munis for Diversification?
Replies: 14
Views: 1306

Re: Developed & Emgerging vs Total International?

In equities, I aim for 30% Total International, split equally between small and large cap. I use Vanguard's International Small Cap ETF to lower costs. There's more than enough emerging market exposure in those two funds for me. I'm a simple man with simple tastes. My head starts to hurt if I make t...
by steve roy
Mon Mar 23, 2015 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Developed & Emgerging vs Total International?
Replies: 7
Views: 736

Re: Vanguard Problems

Vanguard products are great, their customers service reminds me of Walmart. The way I have dealt with this is by increasingly using Fidelity. When I was looking to open a Solo 401K there was a stark difference between the two. To be honest I felt like Vanguard didn't care if they got my business or...
by steve roy
Mon Mar 23, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3067

Re: Money Magazine on Low Volatility Funds

Ah, good old Money Magazine, handing out moldy investment tips. Here's the way Steve Roy does it: He sets up his stock/bond allocation plan and funds it in small dribs and drabs (since that is about the only way he can do it, as he needs some cash for eating and house payment purposes). He keeps put...
by steve roy
Fri Mar 20, 2015 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Money Magazine on Low Volatility Funds
Replies: 17
Views: 2561

Re: Bonds — The U.S. As a High-Yielding Country?

My thought: experts have misjudged and mis-predicted bond interest rates for years. (I'm over-weighted in short-term bonds because of them. Ah well. ...) My thinking NOW is I should be investing in intermediate bonds, but I'm slothful. And so remain over-weighted in short-term. But since my bond-sto...
by steve roy
Sun Mar 15, 2015 1:21 am
 
Forum: Investing - Theory, News & General
Topic: Bonds — The U.S. As a High-Yielding Country?
Replies: 13
Views: 1195

Re: Total Bond Index

The strike against SSGA (in my mind) is the high cost. With interest rates low as they are, half a percent in costs makes me go "yeowch." Still in all, the purpose of a fixed income position is ballast and stability. You've only got the options you've got, but I would own a bond fund becau...
by steve roy
Thu Mar 12, 2015 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income alternatives?
Replies: 12
Views: 1360

Re: Will you buy an Apple Watch?

Ixnay on the watchay.
by steve roy
Wed Mar 11, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 320
Views: 16394

Re: How is Your Pension Counted when Calculating Net Worth.

The wife and I have two private pensions. We don't consider the pensions as part of our net worth. The income stream they'll provide will only impact the withdrawal rates out of our money stashes.
by steve roy
Mon Mar 09, 2015 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2851

Re: Bernstein: 2% investment returns over next 20 years

I hate to disagree with Bernstein as he has been on the money more often than not in his writings, but I am in the camp that broad economic growth will accelerate towards the end of this decade into the 2020's as millennials reach their high earning (and high consuming years). Time will tell. If an...
by steve roy
Mon Mar 09, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22864

Re: Vanguard et al disintermediated?

I have some doubts about this. It's great to believe we're moving toward that happy era of unicorns and rainbows, but there will still be costs, because the broker-mutual fund will still want their cut. Me, I'm waiting until Schwab or Fidelity pays me for my business. THEN, we'll be getting somewhere.
by steve roy
Mon Mar 09, 2015 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard et al disintermediated?
Replies: 39
Views: 2686

Re: Anyone hold precious metal

Long ago in the Reagan days, I had a big fat silver bar for which I paid $800. Watched it go up in value to $8000 (thank you, Bunky Hunt!). Then watched it go back down (inside of a week) to $800. Finally sold it for $900. You like big, scary roller coasters, it's a good way to go. Otherwise, not.
by steve roy
Sun Mar 08, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3340

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

I've reached the happy state where I'm comfortable with market gyrations. (I've no idea if this is a temporary phenomena or not.) Friday when most everything took a dive to the canvas, I looked at the fund that had dropped the most (for me it was Total Stock Market) and bought a bunch of new shares....
by steve roy
Sun Mar 08, 2015 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4278

Re: investment allocation for a non-retirement goal

I vote for the Vanguard Balanced Tax Managed Fund, 50% U.S. stock, 50% tax exempt bonds, if you want to use one fund. Otherwise, I would go 50% Total U.S. stock, 50% intermediate tax exempt bonds. You've got a lot of different choices on the investment side -- index stock funds, tax advantaged funds...
by steve roy
Sun Mar 08, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment allocation for a non-retirement goal
Replies: 9
Views: 649

Re: I hate the new Vanguard Web navigation!!!

Hm. Now I have Mac/Safari, and I don't have a big problem with it. The tabs and site a little hinky because they've moved things around a bit, but I find I can navigate hither and yon after ascertaining where the tabs and links have been placed. Change can be disconcerting until you settle into the ...
by steve roy
Sun Mar 08, 2015 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4526

Re: How long did you stay in your starter home?

Toons wrote:17 years. :happy


Same here. Remained n a 950 square foot house ... that we enlarged to 1500 square feet, from '77 to '94.
by steve roy
Sat Mar 07, 2015 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4617

Re: The More I learn, the fewer changes I make

The great advantage of a three-fund portfolio is you minimize chances to louse it up. You can't chase real estate. You can't chase energy stocks, you can't chase health care mutual funds or emerging markets or small caps or growth stocks. You won't go off on a tangent chasing whatever CNBC says you ...
by steve roy
Sat Mar 07, 2015 12:18 am
 
Forum: Investing - Theory, News & General
Topic: The More I learn, the fewer changes I make
Replies: 25
Views: 3192

Re: TSP account asset allocation?

Here's my advice: Do 30-40% in intermediate bonds. (This is higher than your current 20%, but I think you should be more conservative.) Split the other 60% equally between U.S. Large Cap, U.S. Small Cap Value (if TSP has such an animal), International, Small Cap International. I would let this alloc...
by steve roy
Sat Mar 07, 2015 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP account asset allocation?
Replies: 11
Views: 806

Re: When will / did you claim Social Security benefits?

For me it will be 70. The Mrs. will claim spousal benefits at FRA, then claim her work SS at 70.

For us, this is a no-brainer, as I will be working until 68 and have enough cash flow to see me through to 70.
by steve roy
Fri Mar 06, 2015 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9674

Re: stress management tips?

Long walks, meditation, getting 7-9 hours sleep per night. When I can't sleep I sometimes pop a Melatonin, sometimes focus on a Buddhist mantra. Some things work better than other things, but they all help. I think that dealing with stress is very individualistic, but there are various strategies an...
by steve roy
Fri Mar 06, 2015 11:43 pm
 
Forum: Personal Consumer Issues
Topic: stress management tips?
Replies: 19
Views: 1656

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Applied my John Hancock. We need MORE signatures!
by steve roy
Tue Mar 03, 2015 8:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11582

Re: The Blind Forecaster

I have what I consider to be a very careful, well-planned asset allocation. And parts of it haven't done well. (Who would have thought short-term TIPS would be so ... sucky?) But I don't flip out of the under-performers because there was a reason I bought them in the first place, and under-performan...
by steve roy
Tue Mar 03, 2015 12:28 am
 
Forum: Investing - Theory, News & General
Topic: The Blind Forecaster
Replies: 28
Views: 2377

Re: What's your average ER? [Expense Ratio]

12 basis points.
by steve roy
Mon Mar 02, 2015 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7123

Re: Nasdaq Record High....

It's my experience that we learn best by making mistakes and learning the lesson they provide. On the other hand ...

"After a cat jumps on a hot stove, he never jumps on a hot stove again.
But he never jumps on a COLD one, either."

-- Mark Twain
by steve roy
Mon Mar 02, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nasdaq Record High....
Replies: 25
Views: 1946

Re: The Blind Forecaster

As the saying goes: Market forecasters are there to make gypsy fortune tellers look good.
by steve roy
Mon Mar 02, 2015 1:08 am
 
Forum: Investing - Theory, News & General
Topic: The Blind Forecaster
Replies: 28
Views: 2377

Re: I need some commets on my portfolios

I'm a wee bit confused. You have a 70% stock/ 30% fixed allocation but no bond? Then CDs? Money Market? Also, you have a list of ETFs but no percentages of what you're invested in. Percentages would help. But looking at what you have, it looks as though you have a lot of overlap between ETFs. I woul...
by steve roy
Sat Feb 28, 2015 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need some comments on my portfolios
Replies: 9
Views: 1067

Re: How does one increase their typing speed and accuracy?

I sucked in eighth grade typing class (with four "Ds" to prove it), and I suck now.

But I soldier on.
by steve roy
Fri Feb 27, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 3999

Re: Is Vanguard understaffed?

I had an excellent Flagship representative for many years, but she was promoted and moved on up. (The consequence of being excellent?) Now I have a less excellent Flagship representative. He's personable, but less on-the-ball. My wife and I have had some issues, where we had none before. Ah well. ....
by steve roy
Fri Feb 27, 2015 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 3550

Re: How do you plan on spending your time during retirement?

Recreational sleeping.

(Only partially a joke.)
by steve roy
Mon Feb 23, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3187

Re: The challenges of staying the course...

2.8%? Now that my wife has moved her stash to the Federal TSP, I'm running 5.5% over ten years with a 62% bond (much of it short term), 38% stock allocation. I have a slug of Wellesley, and the portfolio has 44% small cap, 18% mid cap, 38% large cap. I also tilt to value. Even when our VG portfolio ...
by steve roy
Mon Feb 23, 2015 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5375

Re: Buy and Hold Forever Stocks

Mine is an ETF of Vanguard's Total Stock Market.

I swore off individual stocks during the period '08-'09, for reasons you can probably conjure up in your head without prompting from me.
by steve roy
Mon Feb 23, 2015 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8098

Re: Portfolio Advice Please

I think you're allocation strategy is excellent, The only suggestion I have is to have a higher bond allocation, around 30%.

Outside of that? I wouldn't change a thing.
by steve roy
Sun Feb 22, 2015 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1133

Re: Whats the best Bank to have on the west coast?

cheese_breath wrote:I guess it would depend where on the west coast you go, but there are a lot of Chase branches out there. Have you checked their locations?


In my neck of California, there's a Chase branch every block-and-a-half.

They're as ubiquitous as Starbucks.
by steve roy
Sun Feb 22, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whats the best Bank to have on the west coast?
Replies: 21
Views: 1331

Re: What age do you guys plan to retire?

Twenty-one months from now. On the cusp of my 68th birthday.
by steve roy
Sun Feb 22, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8852

Re: AA: Keep constant regardless of state of market?

Very smart people -- some who post on this board -- can't predict market tops, middles and bottoms, and I know for sure that I can't. So I carve out an asset allocation I can live with, and then live with it. It might be good to sit down and reflect on how high or low your tolerance for risk is. Be ...
by steve roy
Sun Feb 22, 2015 2:04 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: Keep constant regardless of state of market?
Replies: 10
Views: 961

Re: Going to Austin, TX in March. What should we be doing?

When we were in Austin, we went to the Lyndon Johnson Library at the University of Texas, also took a tour of the state capitol and went on an amphibious bus tour around the city and across the lakes.

We enjoyed all of it.
by steve roy
Sat Feb 21, 2015 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1419

Re: Market Top

I just keep putting bucks into my asset allocation. I pay no attention to where the market is. None. I know it will go up, and it will go down, and that I need to save. And that reading CNBC.com for anything other than yucks buys me nothing. So I just put dollars into various Vanguard accounts week ...
by steve roy
Sat Feb 21, 2015 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5219

Re: Best Use of TIPS Fund in Retirement

I had the Vanguard TIPS Intermediate fund for years. When VG offered the short-term TIPS fund, I switched to that under the (erroneous) expectation that interest rates were going up and so short-term was better than longer term. Wrongo. Despite lacklustre performance, I've kept my short-term TIPS fu...
by steve roy
Sat Feb 21, 2015 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Best Use of TIPS Fund in Retirement
Replies: 17
Views: 1627

Re: Pick-Pockets

I was pick-pocketed on Fifth Avenue in Manhattan, summer of '93. I was pushing a baby stroller, wearing shorts, and got bumped on my left side; at the same instant I felt the wallet sliding out of my right front pocket. (Teamwork!) I whipped around but couldn't figure out who had snatched it . The M...
by steve roy
Sat Feb 21, 2015 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5298

Re: How to handle temporary blip in asset allocation?

I'm with you on number 3.

It's also the simplest. And as I travel down life's highway, I find I like and enjoy simple.
by steve roy
Sat Feb 21, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to handle temporary blip in asset allocation?
Replies: 1
Views: 187

Re: Portfolio suggestions

There's a debate here whether it's better to dollar-cost-average cash into an equity position, or go all-in.

I'm on the all-in side myself, since most studies show, I believe, that it's more effective more of the time.
by steve roy
Thu Feb 19, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestions
Replies: 11
Views: 1152

Re: What Book Are You Currently Reading? Part VI

"Lincoln's Boys" - a biography about John Hay and John Nicolay, who were Abraham Lincoln's private secretaries during the Civil War. Nicolay was the senior White House aide, but Hay is the more interesting character. A dapper, 22-year-old man about Washington D.C., he became much like a so...
by steve roy
Wed Feb 18, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 569
Views: 78834

Re: Portfolio suggestions

Okay, you want input? Here's some: You tilt heavily to small cap and value. Nothing wrong with that (I do it myself), but 'twere moi , I would have 30% to 50% in large cap blend. (My own portfolio is value tilted with an equal weight to large and small cap. And mid-cap is market weight 18%-20%). Und...
by steve roy
Tue Feb 17, 2015 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestions
Replies: 11
Views: 1152

Re: Portfolio Advice for a 26 Year Old

You're nowhere close to being "behind the curve." The costs inside the 401(k) seem high, but you've got the options you've got, so i wouldn't sweat it. Your asset allocations seem on point. The important thing to do now is keep tucking money away for the next forty years come hell or high ...
by steve roy
Sun Feb 15, 2015 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for a 26 Year Old
Replies: 8
Views: 790

Re: Happy Birthday to the Bogleheads.org Forum

Bogleheads.org has been very, very good to me.

Don't know what I'd do without it.
by steve roy
Sun Feb 15, 2015 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2611

Re: Moving to Vanguard

I moved a large chunk of money from my mother's accounts to Vanguard and it was fairly simple, but I had an ongoing relationship with VG. I just transferred the money from a broker to Vanguard in one lump, then talked to an account exec and put the money into various funds. Mom's accounts have done ...
by steve roy
Sat Feb 14, 2015 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Vanguard
Replies: 7
Views: 730
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