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Re: How to auto invest VTI/VXUS with no fees??

With ETF's, I believe someone has to approve the purchase price, whether that be the purchaser or an authorized broker. So, I think, that would eliminate auto investments. The no fees part is doable with in house ETFs, as others have pointed out. I think the closest thing to free auto investing in E...
by tetractys
Sat Jan 24, 2015 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to auto invest VTI/VXUS with no fees??
Replies: 9
Views: 727

Re: Poll: What Percent of TIPS in Taxable Account

Do ibonds count? I have about 2.5% of those. No TIPS in taxable. -- Tet
by tetractys
Tue Jan 20, 2015 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What Percent of TIPS in Taxable Account
Replies: 27
Views: 1659

Re: HELP!!! with run amok investment board!

Leonard, Thanks, sorry I didn't mean to appear to blow you off. these guys are in my notes. I'm going to be doing this slow and methodically, mainly because I want end results despite my shortcomings. So if/when I approach these gents, want my end in order. B. Malkiel just put out a new version of R...
by tetractys
Tue Jan 20, 2015 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

Re: Poll: Your Max. REIT Allocation

My target is around 12%; but as far as a separate fund allocation it's 7%. -- Tet
by tetractys
Tue Jan 20, 2015 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 54
Views: 3985

Re: HELP!!! with run amok investment board!

Thanks all who have given positive advice and ideas. I have little time at the moment, so will digest this a get back later. Please continue. As most of you who read understand, it's not about the one recent fund change. It's about turning around a history of rash choices by the investment board, by...
by tetractys
Sat Jan 17, 2015 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

Re: HELP!!! with run amok investment board!

As far as active bond funds go, you can do a lot worse. It has an ER of 39 bp and isn't crazy risky or anything like that. What even are the other options, though? Do they have a stable value fund? [See chart image above] The running around dropping funds and adding replacements for no good reason ...
by tetractys
Fri Jan 16, 2015 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

Re: HELP!!! with run amok investment board!

hicabob, Yes you would think, "if they felt that strongly about Mr Gross, they would have followed "The Bond King" to Janus as many others did". That's exactly why the reason they give for changing funds makes little sense. And it's disturbing that an investment board of such a l...
by tetractys
Fri Jan 16, 2015 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

Re: HELP!!! with run amok investment board!

The MW bond fund shows up in many 401(k) plans when the Pimco fund is not there. It is a pretty decent actively-managed bond fund, so is a natural replacement for the previous actively-managed bond fund. A letter might highlight the need to avoid manager risk presented by an actively-managed bond f...
by tetractys
Fri Jan 16, 2015 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

Re: HELP!!! with run amok investment board!

Your only recourse is to write to the board. They will continue business as usual if they don't hear from plan participants. Get your co-workers to chime in. The more people the board hears from, the more they will listen. It will also help to remind them of their fiduciary responsibility. I assume...
by tetractys
Fri Jan 16, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

HELP!!! with run amok investment board!

I'm upset about this and very much appreciate any help! King County is the largest county in Washington state, so this could effect many investors. Well, probably nothing unusual; but what can I do about this "investment board"? King County, Wa, USA has no passive investment option for fix...
by tetractys
Thu Jan 15, 2015 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3663

Re: Reporter doing story on Turbo Tax Fracas

Because of TT's $ nit picking over the last few years, which seems likely to continue, I made the decision last year to switch to another provider. -- Tet
by tetractys
Thu Jan 15, 2015 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7081

Re: How does an Efficient Market explain Buffett?

The simple answer is that an efficient market has absolutely no need to explain one drop in the bucket like Buffett. Although it does, because the bucket holds many drops. One might reverse the question and ask how does Buffett explain the efficient market. The last I heard, he has determined it's e...
by tetractys
Wed Jan 14, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 249
Views: 11892

Re: Is there an annual minimum contribution to a Roth IRA?

At least one bank has said, "open an IRA for as little as $50.00." -- Tet
by tetractys
Mon Jan 12, 2015 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there an annual minimum contribution to a Roth IRA?
Replies: 10
Views: 566

Re: Prognosis On REIT Index Fund

mucho dinero wrote:... does this article have any validity relative to predicting the future returns of {Vanguard REITs} fund?

No. -- Tet
by tetractys
Mon Jan 12, 2015 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2116

Re: Poll: Do you own I Bonds?

I bought several ibonds during '06-8. The whole batch has been returning %3.68 annualized. I stopped buying them when the fixed rate went below %1.2, and they are now a really tiny part of my portfolio. -- Tet
by tetractys
Mon Jan 12, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5452

Re: Do you keep all your eggs in one basket?

Actually, each fund is a separate corporate entity, with Vanguard only being the distributer, so to say. So it's not comparable to keeping all your eggs in one basket at all. -- Tet
by tetractys
Mon Jan 05, 2015 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 31
Views: 3333

Re: Rick Ferri looking to internationalize his portfolio

I have quite a bit of rebalancing into international to do, and sold a bunch of US to do that with when the money arrives this week, but I won't be changing my overriding allocation, still 2/3 US, 1/3 X. X still carries the extra risk, and it seems even developed X countries are veering towards risk...
by tetractys
Mon Jan 05, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 226
Views: 25367

Re: How do I know when I'm Financially Independent?

To even attain the delusion of financial security, one would own sufficient lifetime access to various currencies and solid assets. -- Tet
by tetractys
Mon Jan 05, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 3548

Re: Are markets becoming inefficient?

It vacillates. -- Tet
by tetractys
Mon Jan 05, 2015 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Are markets becoming inefficient?
Replies: 15
Views: 1802

Re: Keurig Coffee Makers

Do any of these produce better than a high grade instant? After many years of coffee drinking I'm beginning to wonder? -- Tet
by tetractys
Mon Jan 05, 2015 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 37
Views: 2731

Re: give me a reason [to add TIPS]

Saltycaper, In a deflationary environment, isn't there a chance the inflation factor will be reduced, thus potentially eliminating some of the gains from previous inflation? This would be a downside risk, even though your original principal is protected. From the paper I linked to above: The semi-an...
by tetractys
Mon Jan 05, 2015 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: give me a reason [to add TIPS]
Replies: 22
Views: 2576

Re: give me a reason [to add TIPS]

Here's a pretty good white paper on TIPS: < http://www-stat.wharton.upenn.edu/~steele/Courses/434/434Context/TIPS/TipsGE2005.pdf > The unique return and risk characteristics combined with the size and growth of the market argue for TIPS as a separate asset class within a pension portfolio. These sec...
by tetractys
Mon Jan 05, 2015 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: give me a reason [to add TIPS]
Replies: 22
Views: 2576

Re: Is "stay the course" a commandment or a suggestion?

the brothers??? :shock: +1. Can we also skip all the "shipmates" expressions? There is a certain clubbiness to this form. However it can't really be attributed to the more reasonable members, although some of them seeking clientele here do engage their hooks judiciously. Stay the course; ...
by tetractys
Mon Jan 05, 2015 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4075

Re: How to break up with an advisor

I would never bother with what I view as a pointless attempt at explanation, and especially to a party with the gall to send gifts I paid for. Simply remove the money, or have Vanguard do it. Do we explain whenever we use the bathroom? Perhaps at the most, if it's necessary, specify little or big bu...
by tetractys
Mon Jan 05, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to break up with an advisor
Replies: 33
Views: 3155

Re: Hobbies + Free Time

When I'm not working for money I study music. I also exercise, eat, and sleep expediently. This board is for procrastination when I'm out walking around--not much to add and not much left to change on the investing front, although it does seem good to keep up on things. -- Tet
by tetractys
Mon Jan 05, 2015 2:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Hobbies + Free Time
Replies: 11
Views: 1927

Re: Servicing new vehicle: Dealer or local mechanic?

I do both, depending on the prices at the moment. With independent service though, be very specific on the type of oil and other model requirements. -- Tet
by tetractys
Mon Jan 05, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Servicing new vehicle: Dealer or local mechanic?
Replies: 8
Views: 797

Re: Post your 2015 New Year's Resolutions ITT

I made a resolution to eat pizza during 2015, quickly went out and bought one at the grocers, took it home and devoured it. But realizing it was not quit midnight yet, the next day I went out for the true pizza of my resolution. I suppose I could add something more serious. I'm memorizing the Telema...
by tetractys
Mon Jan 05, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3497

Re: Vanguard Investor Shares vs. ETFs

I don't think the difference in expense ratios is worth the conversion. More important questions, IMO, would be whether or not you want to sell and buy on the open market, and if you reinvest dividends, how you would rather have that happen. If you'll be converting to Admiral shares anyway, that's a...
by tetractys
Mon Jan 05, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investor Shares vs. ETFs
Replies: 4
Views: 469

Re: Stock Market Behavior Predicted by Rat Neurons

Certainly rat neurons are not all that much different from our own, nor from the researcher's neurons. -- Tet
by tetractys
Sat Jan 03, 2015 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market Behavior Predicted by Rat Neurons
Replies: 13
Views: 803

Re: Why is total bond indexing different from stock indexing

It's a complex subject. Larry Swedroe's bond book, The Only Guide to a Winning Bond Strategy You'll Ever Need, gives good accessible explanations. -- Tet
by tetractys
Wed Dec 31, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why is total bond indexing different from stock indexing?
Replies: 9
Views: 1230

Re: International - good for diversification, bad for return

We invest for long term returns, not short term, as in only 17 years. Recently X-US markets are on a downturn, with weakening currency values. So taking a long term view, one would "stay the course," investing up to allocation in X-US equity, rather than flee. If this feels like "roll...
by tetractys
Wed Dec 31, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: International - good for diversification, bad for returns?
Replies: 43
Views: 4868

Re: Jason Zweig: Lessons learned from the year of surprise

Even the monkey? How about the worm that many of us resemble?
Leeraar wrote:
nisiprius wrote: And yet--of course--for every Jason Zweig, there are a hundred Ken Fishers:

I'll take your Ken Fisher, and raise you a thousand!

L.

Ken Fisher, The pied piper among worms! -- Tet
by tetractys
Tue Dec 30, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Lessons learned from the year of surprise
Replies: 18
Views: 3512

Re: current thoughts on international allocations

I don't think it's changed much, and you'll be fine rebalancing. I'm in basically the same situation, the difference being my portfolio is more complex and I have to make major changes across different accounts due to income and benefit changes. But like you, I need to account for the recent value a...
by tetractys
Tue Dec 30, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: current thoughts on international allocations
Replies: 4
Views: 569

Re: Post your 2015 New Year's Resolutions ITT

Eat oatmeal before work, and cook it sometimes. -- Tet
by tetractys
Tue Dec 30, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3497

Re: Poll: How important is rebalancing?

I have a set allocation for each asset, and so as I make contributions I rebalance back to those allocations. I think it's important. It wouldn't make sense to me to contribute in a manner that moves away from set allocations. And when the markets go wacko, as they do from time to time, I use bands ...
by tetractys
Tue Dec 23, 2014 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5632

Re: How can I transition to 3-funds?

Admiral shares only require a $10,000 investment in the total market funds, so you should have to problem doing that. -- Tet
by tetractys
Wed Dec 17, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I transition to 3-funds?
Replies: 39
Views: 3365

Re: Looking to move inheritance from high-fee advisor

As a side note: If you decide to go to Vanguard, talk to them and find out the cheapest way to transfer funds, and let them handle the other end. -- Tet
by tetractys
Wed Dec 17, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3060

Re: Do ETFs ever drop stocks?

If it's a managed ETF, they may drop it, or buy more, depending on management's decision making process. Usually index funds follow or sample an index, so you would have to look up the rules of the underlying index to see the exact procedure. The rules for the speculatively managed power shares ETF,...
by tetractys
Tue Dec 16, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Do ETFs ever drop stocks?
Replies: 6
Views: 443

Re: Do ETFs ever drop stocks?

Different ETFs do different things, depending on how they are managed. Disclosure is probably different as well. I would not think that ETFs are much different than Mutual Funds in this regard. For specific information I would go to the ETF in question's home web site. Hopefully someone with more kn...
by tetractys
Tue Dec 16, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do ETFs ever drop stocks?
Replies: 6
Views: 443

Re: Have you ever been let go?

It would be difficult to count all the times; always for sticking up for someone or for some principle; always leading to better days--the story of my life. The last time was for backing up a young lady who was being paid less than minimum wage, under the table, contrary to her wishes and demands. S...
by tetractys
Tue Dec 09, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5770

Re: What is your opinion about "tilting?"

I selected "other" because none of the specific categories seemed to suffice; not even "Potrzebie," which might generally mean something needed , or other things, depending on one's bent. But seriously, I think tilting will most likely bring a better return than not (it has consi...
by tetractys
Tue Dec 09, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9367

Re: Is it safe to leave Laptop in hotel room

I've had a camera stolen out of hotel room; but not in the US. But better safe than sorry, so I would not leave a laptop where it could be easily snatched up. Expensive cloths?, yes, since they are not so readily re-customized. -- Tet
by tetractys
Sat Dec 06, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 13882

Re: What temperature for house for long winter absence?

Theoretically the answer for the dampness in the air is simple; set the temperature a few degrees above ambient. But thermostats are generally not set relative to ambient. On small cabin cruisers and sail boats, we would simply leave a light bulb or two on inside the cabin, and this would be enough ...
by tetractys
Wed Dec 03, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 7529

Re: [Poll] What's Your Tax Prep Strategy?

I have been a loyal Turbotax user since 2002; but I'm tired of Intuit's price gouging tactics, so this year I'm using Tax Act.-- Tet
by tetractys
Tue Dec 02, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 5020

Re: Is there anything unhealthy about drinking tap water?

Here in Seattle the tap water is better than bottled, of course as long as the piping is good, and of course as long as the amount drunk is reasonable < http://en.wikipedia.org/wiki/Water_intoxication >. So no, nothing unhealthy about drinking tap water here. Oh, and then there's the question of war...
by tetractys
Wed Nov 26, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1288

Re: Should I add Microcaps to my portfolio?

I'm going to sell my BRSIX early next year and put that into something more manageable. I think it's a great fund for a tax sheltered account, but the capital gains surprises are really starting to bug me. -- Tet
by tetractys
Tue Nov 25, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add Microcaps to my portfolio?
Replies: 10
Views: 1465

Re: How did you handle the 2008 bear market ?

As an accumulator, not having more cash to pour in the market was quite disappointing. But I did put in whatever could be scrounged up, and I did rebalance diligently. Having read the literature, I wasn't fearful; but feeling the fear of many of our forum members was nerve racking. And our retired m...
by tetractys
Tue Nov 25, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7327

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Of course TSM holdings in small value detract from the non-correlation effect of small value held in a separate fund in a S&D portfolio. This looks like the core argument, with most of the others compiled to reach the magic number 10. Overall a non-issue, and not much different from what we here...
by tetractys
Wed Nov 19, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29531
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