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Re: Mariotta's Gone-Fishing Portfolio

I'm struggling with why you'd want to avoid Euro currency countries (along with some non-Euro countries like the UK) and Japan? There are high quality companies in those two areas and some of the largest export nations in the world. Why would you not want exposure to those businesses?
by stevewolfe
Sat Jan 24, 2015 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 11
Views: 860

Re: Mariotta's Gone-Fishing Portfolio

stemikger wrote:13 funds is considered simplicity?


Glad I wasn't the only one thinking that reading fund after fund... < 5% allocations are most likely a waste of time.
by stevewolfe
Sat Jan 24, 2015 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 11
Views: 860

Re: Flagship financial planner advice?

Not every spouse is going to want to manage themselves with spreadsheets available on Bogleheads Wiki. THIS. And even if they did manage the spreadsheet, it's a whole other animal to actually DO what the spreadsheet says to do - e.g., have the confidence to go the site and sell X and buy Y. My advi...
by stevewolfe
Sat Jan 24, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 32
Views: 2936

Re: 5.6% stable value fund - what allocation?

0% - too good to be true in my opinion... My stable value fund with Vanguard is 1.98%, my wife's is 2.87%. Your rate is much higher and I wouldn't trust it frankly.
by stevewolfe
Sun Jan 18, 2015 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 12
Views: 940

Re: Best Book To Learn R Programming

The Johns Hopkins courses in R offered on Coursera (free) are great. I've taken this class (completed 100% with distinction), it's very good and called "Computing for Data Analysis". The assignments are realistic and quite interesting. Highly recommended and now part of a certification tr...
by stevewolfe
Sun Jan 18, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Best Book To Learn R Programming
Replies: 29
Views: 2564

Re: How low could the 10 year go?

In in the case of the Swiss didn't they, on certain accounts, decrease the interest rate to -0.75% today as well (yes, that is negative 75 basis points)? Which would be an advantage to holding an asset paying 0% vs. -0.75% per year...
by stevewolfe
Thu Jan 15, 2015 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: How low could the 10 year go?
Replies: 16
Views: 1470

Re: Remind me: why am I holding VG's longer-term TIPS fund?

I've noticed some "weirdness" with the way Vanguard vs. Morningstar have reported the yield of the Short term fund admiral shares (e.g., VTAPX). Today, Morningstar has an SEC yield of 0.07% while Vanguard is reporting 0.34% SEC yield for the same fund - which is ODD because the SEC yield r...
by stevewolfe
Sun Jan 11, 2015 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3416

Re: Quick question about Vanguard Total Stock mkt index

A simple question belied by complexity in portfolio construction... consider... You may choose to go the route of TSM + small cap or TSM + small cap value, which is a popular combination in some parts here. Let's say you do this in a 50/50 combination for your equities (leaving out fixed income and ...
by stevewolfe
Thu Jan 01, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question about Vanguard Total Stock mkt index
Replies: 8
Views: 660

Re: No surprise CD rates from Penfed

Yep, I checked as well... too bad...
by stevewolfe
Thu Jan 01, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: No surprise CD rates from Penfed
Replies: 4
Views: 1238

Re: Bonus how much do you spend vs save?

For years I've taken $100 from the bonus to use to take my wife for diner and invested the rest. Works for us.
by stevewolfe
Fri Dec 26, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus how much do you spend vs save?
Replies: 50
Views: 4897

Re: Article dissing VTSMX-opinions?

Well said longinvest, nice example as well. :beer
by stevewolfe
Fri Dec 26, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Article dissing VTSMX-opinions?[Merriman on diversification]
Replies: 42
Views: 2900

Re: Article dissing VTSMX-opinions?

overweight?..I thought he was just saying the index was under weighted. That the S&P 500 is not the "total stock market". The article is about the Vanguard Total Stock Market index - he compares it to the S&P 500. Vanguard Total Stock Market index contains well over 3,000 stocks. ...
by stevewolfe
Fri Dec 26, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Article dissing VTSMX-opinions?[Merriman on diversification]
Replies: 42
Views: 2900

Re: I think I just got a $5,000 watch for Christmas

My watch is my smart phone. But congrats, tremendous gift. :beer
by stevewolfe
Thu Dec 25, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 842
Views: 171141

Re: Do I-Bonds Count (as part of your bond allocation)?

leonidas wrote:They do for me as well as CDs.


Same for me.
by stevewolfe
Thu Dec 25, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I-Bonds Count (as part of your bond allocation)?
Replies: 24
Views: 2315

Re: What "actively" managed funds do you own?

T. Rowe Price Capital Appreciation - PRWCX
About to move back into Vanguard Inflation Protected Securities - VAIPX
Vanguard Retirement Savings Trust - Stable value fund
by stevewolfe
Sun Dec 21, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4787

Re: TIPS Mutual Funds

We have a minimum of 20% of fixed income (12% of portfolio) allocated to inflation protected bonds. Presently, 100% of our inflation protected bonds are I-Bonds and we'll be adding to that in January, 2015 as we are a bit light at 10.7% of portfolio. We sold all of our Vanguard TIPS (VIPSX at the ti...
by stevewolfe
Sat Dec 13, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3030

Re: Oil's future...

Economist had a nice write up on this subject this week I'd recommend reading. The line that caught my attention was the idea that with America's production up 3 million b/d during the shale drilling boom - and many fields still to be developed - that America has actually challenged Saudi Arabia not...
by stevewolfe
Sat Dec 13, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Oil's future...
Replies: 56
Views: 6395

Re: My first non fee adivsor meeting..confused

Google is your friend. If you search for 'Vanguard solo 401k' (sans quotes) the first non-sponsored link takes you to that page. Often it seems it's easier / more efficient to Google for something on a site than to use the site navigation / site search. :beer
by stevewolfe
Fri Dec 12, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4721

Re: [Merriman] Why Vanguard Total Stock Market isn’t the bes

But this fund falls far short of its "total market" title. In fact, the fund gives investors only a small part of what it takes to diversify a portfolio into the best asset classes. This is no small matter, since that diversification accounts for more than 90% of an investor's likely retu...
by stevewolfe
Thu Dec 11, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29521

Re: Bond Funds

Curious on people thoughts about the MM assessment and whether I should be gravitating back to a heavier weight on the intermediate duration bonds. I guess my thoughts would be about something that you didn't ask, but that is implied by this sentence. It implies you had a heavier weighting in inter...
by stevewolfe
Sat Dec 06, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds
Replies: 6
Views: 521

Re: Vanguard New Account Structure

I am still amazed there is no way (I know of) to cancel a mutual fund order once placed. This is the one that gets me too - all of the other companies I've had accounts with have offered this option. I've never had to use it, but every time I place a transaction with Vanguard I think of this and it...
by stevewolfe
Sat Dec 06, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 300
Views: 30180

Re: What % of your fixed-income is TIPs?

I'm a fan of I-Bonds. i sold all my TIPS in February of last year (Vanguard fund). My IPS allows me to own 100% Inflation protected bonds (but not at these levels). I maintain (and am presently allocated to) a floor of 20% of fixed income in Inflation protected bonds. All of the 20% is currently I-b...
by stevewolfe
Tue Dec 02, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3618

Re: TSM vs Small/Mid Cap fund

I guess I would ask what was the reason you had for investing in the Small and Mid-cap Index in the first place if you didn't expect that performance would be different (not trying to be snarky with that comment) over periods of time (like YTD or since the recession which is ~5 years or so tops)? If...
by stevewolfe
Tue Nov 25, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 773

Re: What do you splurge on?

1) Trips to Dallas to see Cowboys games.
2) I collect graded Dallas Cowboys football cards from the 1960's.
3) Lunch out of the office each day, although this is a mental health type of thing and well worth the cost.
4) Computer hardware. Although not as much as I used to.

:beer
by stevewolfe
Fri Nov 21, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24372

Re: is 3.20% Vanguard brokered CD best deal around?

I'd never lock up money for 10 years at only 3.2%, especially with the Fed so close to raising interest rates. It will start next year already. It was supposed to start this fall. Markets expect them to do what you say, but there is no guarantee. Never is a long time. When they start raising rates ...
by stevewolfe
Sun Nov 16, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4634

Re: Bogle: No TIPS/Inflation Bonds

No offense, but why would anyone care what Mr. Bogle holds or does not hold in one's portfolio? He is 85 or so, a multimillionaire, with a lie expectancy of less then 10- 20 yrs. Unless you are the same (which I doubt) then his PERSONAL portfolio should have no influence of your PERSONAL portfolio....
by stevewolfe
Sun Nov 09, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: No TIPS/Inflation Bonds
Replies: 36
Views: 8005

Re: Do IBonds make sense living in a high inflation area

0% yield! I do not see the upside. All bonds have an expected inflation component. Any good short or intermediate term bond fund will provide safety and income in a portfolio. Total Bond Index and Intermediate Tax Exempt are two very good options. 0% real yield. 1.48% nominal yield. I bond can't de...
by stevewolfe
Sat Nov 08, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 3274

Re: Are you buying I bonds in 2014? And if so, for what role

My IPS says I need a floor of 20% of my fixed income to be in inflation protected bonds. So I need to buy inflation protected bonds each year as I am in the accumulation phase. I sold out of my TIPS fund a few years ago, so unless that becomes a more attractive option next year, I'll be buying more ...
by stevewolfe
Fri Nov 07, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are you buying I bonds in 2014? And if so, for what role?
Replies: 46
Views: 5586

Re: When do you buy a new home computer?

Last two computers I purchased for home were: 1) Lenovo Thinkpad T420 with Core i-5 2520M 2.5 ghz dual core + hyper threading, 16gb RAM, 120gb Intel 520 series SSD + 750gb 7200 rpm disk (Ubuntu 14.04 LTS is the OS). 2) Home built AMD FX-8350 8 core 4.0ghz, 32gb ECC RAM, 240gb Intel 530 series SSD + ...
by stevewolfe
Fri Nov 07, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4767

Re: CD rate change schedule

Surprised to see you write that Penfed rates are down. As far as I can see they went UP on Oct 1 and are still up, certainly from '13 and earlier this year. I grant they are down from several years ago. 5 year was 2.1% and 7 year was 2.3% yesterday (2014-10-31). Today they are both 1.75% at PENFED....
by stevewolfe
Sat Nov 01, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 10
Views: 2707

Re: iPad Air 2 - 16 or 64 Gig?

Respectfully, I have to ask what does an ipad 2 air 64 GB have for $129 more than a Nexus 9 32 GB that makes it worth the money? Beyond the additional 32 GB. I too can afford it and tend to keep my devices until they die, but its a case of $10 wine or 4 bottles of $30 wine. I'm all for paying for s...
by stevewolfe
Sat Nov 01, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3545

Re: which bond is good to buy in this market

Hello, Your asset allocation is 50% stock and 50% cash. You asked about a bond fund to replace cash. You mentioned a 5 year horizon. You didn't mention if this was taxable or tax deferred money. You didn't mention an amount of money. You might get more suggestions if you did. :beer Shot in the dark ...
by stevewolfe
Sat Oct 18, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond is good to buy in this market
Replies: 4
Views: 708

Re: Anyone cancelling travel plans?

I think so. We were in Dallas 3 weeks ago for the Cowboys - Saints game (Cowboys fan) when the news broke the first US case was confirmed there. I'm going back to Dallas for the Colts game in December. News would have to change significantly from what is going on now to get me to cancel the trip. I ...
by stevewolfe
Sat Oct 18, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6552

Re: Headed for a 300+ point loss today?

I'd love to be proven wrong but I won't be. To have ALL your wealth in CDs is absurd. Even the most conservative of alternatives is a better option. Having said that, I will say for the tenth time that having all your wealth in a product that won't even keep up with inflation is never the right thi...
by stevewolfe
Sat Oct 11, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36894

Re: Blood work for cats

I'm sure this varies from place to place, but each time our vet has done bloodwork on our cat it has been in support of a diagnosis or verification of a follow up treatment. And they did the blood work there - for about 1/4 of what you were going to be charged. May be worthwhile to see if you just l...
by stevewolfe
Sun Sep 21, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 5651

Re: I've never been a fan of commodity funds

What is the annual max purchase of I-bonds? Well, it is $10K per year per social security number, so for a couple, they save $20K per year, and after 10 years have invested $100K in principal. So, if they have a $1M portfolio, they could have more than 10% of that in TIPS built as a long term strat...
by stevewolfe
Sat Sep 13, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: I've never been a fan of commodity funds
Replies: 28
Views: 2389

Re: Are there any real total bond funds?

If you have the time and wherewithal to write this post, you can construct your own family of funds quite easily. This is a yawning non-issue. This pretty much sums up my thoughts on this. If you have taken the time to investigate something not in TBM - you are the type of person that can add somet...
by stevewolfe
Sat Sep 06, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3219

Re: Why invest in bonds?

If you are willing to assume that (1) There won't be another crash in the next 5 years , and that (2) The next crash will be no deeper than 50% then it appears safe to put all your money in stocks, Have fun. BTW, you can have whatever opinion you'd like, but I can tell you that even if there is not...
by stevewolfe
Sun Aug 31, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 7029

Re: someone who claimed at 62 got an 8% increase this year

I'd tell your wife that the risk isn't the foregone benefits if you die early - the risk lies in outliving the full benefit you should be receiving. (Plus, where else can you get 8% right now, with a full government guarantee?) MInor thing - I believe the OP is the wife, so this would be informatio...
by stevewolfe
Fri Aug 22, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3261

Re: Favorite Athlete

Troy Aikman, former quarterback of the Dallas Cowboys. Three time Super Bowl champion.Set the (then) record for most wins by a quarterback in a decade in NFL history.
by stevewolfe
Sun Jul 20, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 863

Re: [Poll] If all active funds have ER= 0.05%, will you buy

No, not at all. I wouldn't buy them with 0% ER. I'm really surprised with the number of yes votes. I guess gambling is more popular than I thought. Sorry but calling investing in an actively managed fund gambling is over the top for me. Particularly for me since my actively managed investment speci...
by stevewolfe
Thu Jul 03, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 3091

Re: Paul Merriman article: every investor needs Small Cap Va

This is one of those agree to disagree type of things.

Savings rate is much more important. Starting early is much more important. Matching risk aversion to portfolio allocation between stocks and bonds is more important.

This horse is dead Jim.
by stevewolfe
Fri Jun 27, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 7576

Re: Stock / Bonds Allocation

40% stock
60% fixed income
42 / 40 years old.
by stevewolfe
Tue Jun 24, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 2719

Re: [Poll] If all active funds have ER= 0.05%, will you buy

I have owned active funds for 15 years. I also own index funds. I would love to pay 0.05% instead of 0.71% for T. Rowe Price Capital Appreciation (which I've owned for the whole 15 years and posted about here many times). I would love to pay 0.05% for Vanguard Inflation Protected Bond instead of 0.2...
by stevewolfe
Sun Jun 22, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 3091

Re: How do you spend your "fun money"?

Vintage graded football cards :)
by stevewolfe
Thu Jun 19, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you -gamble- your "fun money"? (if you do)
Replies: 28
Views: 1571

Re: Expense Ratio - what's too high?

I draw the line around .8%. I am happy when the total return for a fund is in the top 25% of similar funds. I guess I have not drunk enough of the koolaid, but this allows holding some very good funds like PIMIX at .45%, PRWCX at .73%, BERIX at .68%, and GLRIX at .79%. I agree with the above and I ...
by stevewolfe
Mon Jun 16, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 3257

Re: Cutting the cable cord - how did you do it?

We didn't completely because it didn't make economic sense. Here's what I mean: We have broadband internet through the cable company. At the time we were going to cut (4 years ago in August), it would've cost us more to eliminate cable than to get the first 23 channels. This is because the first 23 ...
by stevewolfe
Sat Jun 14, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4963

Re: HY Savings, CDs, I-bonds, TIPS, Treasury Fund

I'll give up 46 basis points of yield (the current difference b/w the stable value and vbtix) if it means spending 5 more minutes doing things I love instead of analyzing if/when to go in and out of fixed income options. On a $100k investment, 46 basis points is $460. That's a pretty stiff return f...
by stevewolfe
Sat May 24, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: HY Savings, CDs, I-bonds, TIPS, Treasury Fund
Replies: 16
Views: 2901

Re: Post your current AA

Age: 42 / 40 AA: 40% stocks / 60% Fixed Income. 40% stocks: 70% US (Vanguard Total Stock Market + T. Rowe Price Capital Appreciation) 30% International and Emerging markets (Vanguard FTSE All-World Ex-US) 60% Fixed Income: 20% US Series I Savings Bonds 80% Nominal fixed income: 15% Vanguard Retireme...
by stevewolfe
Fri May 23, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Post your current AA
Replies: 41
Views: 2338

Re: Anyone know the new I-Bond Rate ?

Streptococcus wrote:Better stick with a 5 year barclay cd at 2.25%

2.25% > 1.94%, but that's just the first six months. After that which is better is anyone's guess.
by stevewolfe
Thu May 01, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1686
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