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Re: What is so intelligent about Schwab Intelligent Portfoli

livesoft wrote:It is all about marketing and "Intelligent" has a nice ring to it, doesn't it? It wouldn't be good marketing to call it the "Schwab Reasonable Portfolio", would it?


i think they learned their lesson from the great Fidelity Fund For Dullards debacle of '04.
by tyler_cracker
Tue Mar 10, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: What is so intelligent about Schwab Intelligent Portfolio??
Replies: 7
Views: 988

Re: Christine Benz of Morningstar on backdoor Roth.

your link didn't work for me (trailing slash in url). this one is fixed:

Backdoor Roth IRA? Avoid these six mistakes.
by tyler_cracker
Fri Mar 06, 2015 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz of Morningstar on backdoor Roth.
Replies: 2
Views: 877

Re: Do most active managers outperform index before expense?

nobsinvestor wrote:An average means half are higher, half are lower. So it's 50% for that reason :happy


that's not what "average" means.
by tyler_cracker
Tue Feb 24, 2015 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Active managers outperform the index by 0.12% before fees?
Replies: 22
Views: 1892

Re: Best investment for $500

VT

(Your message contains 2 characters. The minimum number of characters you need to enter is 5.)
by tyler_cracker
Wed Feb 04, 2015 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Best investment for $500
Replies: 31
Views: 2261

Re: Buy High, Sell Low : Avoid Market Timing

Right. Buying equities and selling them to buy bonds is the same thing! it's market timing not because of what you buy or sell. it's market timing because of why you choose to buy or sell. I didn't act on just intuition, by the way (not that I feel I owe you any explanation whatsoever). (bold added...
by tyler_cracker
Sun Feb 01, 2015 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3312

Re: Buy High, Sell Low : Avoid Market Timing

Seriously, do you see no difference whatsoever in what I wrote and the first paragraph of the OP? not really, no: The market is on a roll doing great so you get greedy and buy more equities. In late 2013 the equities market seemed to be doing a little too well, and so I increased the bonds in my AA...
by tyler_cracker
Sun Feb 01, 2015 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3312

Re: Buy High, Sell Low : Avoid Market Timing

Whenever I read posts like this I think my brain must be wired backwards from everybody else's. In early 2009 I was happy to invest my IRA contributions in the riskiest asset classes I could find. In late 2013 the equities market seemed to be doing a little too well, and so I increased the bonds in...
by tyler_cracker
Sun Feb 01, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3312

Re: 401k - Did I over contribute?

fwiw i had the opposite problem in 2012 (last contribution of the year cleared in early january 2013). all the tax forms showed it correctly and the irs never yelled at me. i agree with the dragonborn that you're probably fine.
by tyler_cracker
Thu Jan 29, 2015 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k - Did I over contribute?
Replies: 5
Views: 839

Re: Malkiel's recommendations, 1990 to 2015

The comment seems dumb in retrospect as the Boglehead Bond Panic of 2013 turned out to be a big fizzle. But bond bear markets DO happen and just because 2013 was a very mild downturn in bonds doesn't mean that a bad downturn can't happen. I recall Dr. Bernstein's posts on this forum about the reall...
by tyler_cracker
Sun Jan 18, 2015 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 3955

Re: Malkiel's recommendations, 1990 to 2015

in addition to what Leeraar quoted, this stands out to me as being pretty dumb: bonds at these interest rates are particularly risky, because you could take some really bad capital losses in bonds when interest rates start to go up. nisi and others have debunked this piece of FUD repeatedly, as is k...
by tyler_cracker
Sun Jan 18, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 3955

Re: Was it a mistake to move into PenFed 5-year CDs a year a

i think you should post this in the Biggest Surprises of 2014 thread -- a random on the internet has confused strategy with outcome! :shock:
by tyler_cracker
Mon Jan 05, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 5074

Re: White Coat Investor in Forbes

EmergDoc wrote:The goofy stethoscope one is probably better as it helps people see it's a site for docs, not canyoneers.


save that one for when you launch The Wet Suit Investor: Investing And Personal Finance Advice For Canyoneers, SCUBA Divers, Surfers, And [(removed) --admin LadyGeek].
by tyler_cracker
Sun Dec 21, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 6528

Re: Why are Falling Oil Prices Bad for the Stock Market

EarlyStart wrote:Yeah, triple clutz or something like that.


:D

http://www.bogleheads.org/forum/viewtop ... 0#p2201443

whole thread is great but Jupiter's post is the piece de resistance
by tyler_cracker
Wed Dec 10, 2014 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why are Falling Oil Prices Bad for the Stock Market
Replies: 29
Views: 2693

Re: Why are Falling Oil Prices Bad for the Stock Market

EarlyStart wrote:Image


this is a diagram of how to perform a figure skating maneuver, right?
by tyler_cracker
Wed Dec 10, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why are Falling Oil Prices Bad for the Stock Market
Replies: 29
Views: 2693

Re: Investing in 100 Words

rather than picking 100 words to invest in, i own the whole dictionary.
by tyler_cracker
Tue Nov 25, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1995

Re: My 2015 ETF IRA purchase date: 30 DEC 2014

thx bbl. i'm exactly the kind of ocd that reads this thread's title and goes

Image

i usually queue up the ira contribution in my sweep account early anyway so i might try out your tactic this year. thx for posting :)
by tyler_cracker
Tue Nov 18, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: My 2015 ETF IRA purchase date: 30 DEC 2014
Replies: 3
Views: 1053

Re: Mark your calendar for year-end fund distributions

mptfan wrote:"The price of my mutual fund dropped by 2% today, but the market was up, what is going on????!!!!"


i actually use these posts as a signal that my sweep account is about to have cash that needs attention.
by tyler_cracker
Mon Nov 17, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1285

Re: Why not 100% Stocks?

JohnnyFive wrote:try not to make broad generalizations (especially when you know nothing about the person in question...


JohnnyFive wrote:Holding all or most of your wealth in CDs is never, under ANY circumstance, the right thing to do. Never.
by tyler_cracker
Sun Oct 12, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 22957

Re: Equity ETFs with some downside protection?

imo this is like asking "what car should i buy for hauling lumber?"

the answer is that you shouldn't buy a car; you should buy a truck:

placeholder wrote:you normally do that with fixed income.
by tyler_cracker
Thu Sep 25, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Equity ETFs with some downside protection?
Replies: 4
Views: 323

Re: Bonds for young(er) people

hi gravity, i'm 35 and faced the same decision a couple years ago. some observations: - i concluded that total bond market is Good Enough. it's Mario and Luigi -- it has some strengths and some weaknesses but it's basically "average". if i could only own one bond fund, i'd own TBM. - i bon...
by tyler_cracker
Sun Aug 31, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 1027

Re: ibond etf

IBDD has NOTHING to do with the US Treasury Series I Bonds that we frequently discuss: from http://www.ishares.com/us/products/254555/isharesbond-mar-2023-corporate-term-etf: 1. Exposure to investment grade corporate bonds that mature between April 2022 and March 2023 so this is a corporate bond etf...
by tyler_cracker
Fri Aug 29, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: ibond etf
Replies: 2
Views: 538

Re: Best time to exercise stock options

tyler_cracker wrote:so when i choose to sell i go straight [edit] to cash immediately and just pay the tax and try not to worry about it.


i haven't "gone straight immediately" since high school ;) so i have corrected the above sentence.
by tyler_cracker
Wed Aug 27, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 954

Re: Best time to exercise stock options

grok's thread, which he linked above, is imo the magnum opus on this topic. thanks grok :). i track my various options (NSOs, RSUs, and ESPP shares) in a spreadsheet that shows the "grok number" for each option over various timeframes. couple things i haven't seen mentioned itt: - you may ...
by tyler_cracker
Tue Aug 26, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 954

Re: [Poll] How I Feel When I Think about Investing, etc.

i'd be interested to see how much the responses change if this poll is posted in Personal Investments instead of Theory. bold prediction: anxiety ratio skyrockets.
by tyler_cracker
Thu Aug 14, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2529

Re: "Stocks and shares," different things? "Peter Pan"

at this point, nisi, you might get better responses posting on the barrieheads forums :wink:
by tyler_cracker
Mon Jul 14, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 4357

Re: Developing a sound framework for optimal asset allocatio

btw, here are some of the posts rca made in the last thread ze started about optimal asset allocation: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=140415&p=2078832#p2077987 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=140415&p=2078832#p2078122 http://www.bogleheads.org...
by tyler_cracker
Sat Jun 14, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Developing a sound framework for optimal asset allocation
Replies: 44
Views: 3061

Re: Blue Line Jumps 11 Percent

market timers beware: this article is over 14 years old!
by tyler_cracker
Thu Jun 12, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Blue Line Jumps 11 Percent
Replies: 5
Views: 754

Re: Market fluctuation in late 2008

the question to be asked is -- buying with what, there was no money to buy anything unless you had bailed out in 2007 and were sitting on a lot of cash not sure if this question was rhetorical but the answer is "by selling diversified assets that did not take a bath (e.g. bonds) and buying sto...
by tyler_cracker
Sun May 25, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3617

Re: "Moshe Milevsky on Tontines"

permanent link:
http://wpfau.blogspot.com/2014/05/moshe ... tines.html

count me amongst the legion who can only define "tontine" because of http://archer.wikia.com/wiki/The_Double_Deuce.

"I can do baby, or I can do geezer murder mystery, but I can't do both!"
by tyler_cracker
Sat May 17, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 28
Views: 2826

Re: Anyone have over 200 individual positions in their accou

I find what works in the bedroom also works in my portfolio - three or four positions is fine, and anything beyond six doesn't add much to the experience... can we put this in the wiki somewhere? :D it's a little crass but i think it really cuts to the heart of the issue for certain demographics (e...
by tyler_cracker
Sun Apr 27, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone have over 200 individual positions in their accounts?
Replies: 31
Views: 6924

Re: Anyone else very reluctant to buy right now?

livesoft wrote:Uh-oh. Now that Grt2bOutdoors has bought, I want to cancel my exchange noted previously in this thread. But Vanguard won't let me!!


icwudt
by tyler_cracker
Mon Apr 07, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 14071

Re: Bogleheads 2014 Hedge fund contest

yeah i meant to delete this
by tyler_cracker
Fri Jan 17, 2014 1:24 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 160
Views: 16872

Re: Callan periodic table of investments for 2013

johndoh,

i like your version with the black line :thumbsup
by tyler_cracker
Sun Jan 12, 2014 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Callan periodic table of investments for 2013
Replies: 12
Views: 2717

Re: Money Magazine takes Boglehead approach?

If Money were to publish a succinct Bogleheads recommendation, that might fill half an issue and they would not have anything else to write about except maybe a two-page update once a year. :P i think this is too pessimistic. if the bogleheads forum is a fair barometer, there could be 11 issues a y...
by tyler_cracker
Sat Jan 11, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Money Magazine takes Boglehead approach?
Replies: 27
Views: 3658

Re: Late trade settlement

fwiw my company also uses etrade for company stock (options and espp). i've never had a problem with settling times (other than my own impatience ;)).

i agree with contacting customer support to see what they say.
by tyler_cracker
Thu Jan 09, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Late trade settlement
Replies: 9
Views: 464

Re: World Stock Market's Greatest Hits

permalink in case dr. pfau decides to blog something else and bumps this down his front page :)

http://wpfau.blogspot.com/2014/01/greatest-hits.html
by tyler_cracker
Thu Jan 09, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: World Stock Market's Greatest Hits
Replies: 26
Views: 1887

Re: Bogleheads 2014 Hedge fund contest

i'm tied for second place!

(...of people who are negative :D :oops:)
by tyler_cracker
Thu Jan 09, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 160
Views: 16872

Re: Question About Fund Purchase

Not if it works the one time he does it. :D No I'm not really trying to time the market. I have a substantial lump sum which I'm putting in over the course of a few weeks. If I was trying to average in over a long period of time I would say that's timing. I see no point in dumping everything in one...
by tyler_cracker
Thu Jan 02, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Question About Fund Purchase
Replies: 14
Views: 533

Re: Question About Fund Purchase

C63amg wrote:if I can catch a day where the dow is down 130 points I'm going to try :wink: I know it doesn't make a very big difference in the long term but it makes me feel like I got a deal, lol.


this is market timing and it is doomed to failure
by tyler_cracker
Thu Jan 02, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Question About Fund Purchase
Replies: 14
Views: 533

Re: Who is lump-summing a fund on January 2, 2014?

my order for $10k of i bonds is already scheduled for 1/2. my $5.5k roth contribution is already queued up in my sweep account. i'll kick off the backdoor process on 1/2. coincidentally, i have another chunk hitting taxable that will settle later this week. "The best time to invest is when you ...
by tyler_cracker
Tue Dec 31, 2013 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4671

Re: Bogleheads 2014 Hedge fund contest

Taper? I hardly know 'er!

long:
TSLA - i'm taking elon musk over the haters :p
AMZN - to the cloud!

short:
YHOO - altavista is not on the list so i'll take the next best thing
JPM - chase can stick it wh-- never mind
by tyler_cracker
Sat Dec 28, 2013 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 160
Views: 16872

Re: Another CAPE milestone breached - 26

Buy-hold-rebalance a fixed stock allocation works well in uptrending markets. It does not work as well in markets that are downtrending or variable. If you believe that the market with a CAPE > 26, that is also elevated on every other valuation measure there is, and is now at a historical premium t...
by tyler_cracker
Wed Dec 25, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2507

Re: Another CAPE milestone breached - 26

Here's another interesting factoid. The S&P 500 index is now above it's 2-year moving average by a far greater margin than it was at the peaks just before the 2000 crash and the 2007 crash. It now stands at 21% above the 2-year MA. It was 14% and 12% above the 2-year MA at the market peaks in 2...
by tyler_cracker
Wed Dec 25, 2013 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2507

Re: Another CAPE milestone breached - 26

Browser wrote:I'm going to get very interested if the current run-up takes us once again into the 27+ area.


very interested you say. what actions do you intend to take if it happens?
by tyler_cracker
Tue Dec 24, 2013 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2507

Re: Women Better Investors Than Men?

VictoriaF wrote:Men have prettier beards.


amen :)
by tyler_cracker
Tue Dec 24, 2013 2:34 am
 
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 3562

Re: Rebalancing into Bonds

good for you. stay the course!
by tyler_cracker
Mon Dec 23, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing into Bonds
Replies: 6
Views: 678

Re: Vanguard Target Retirement 2055 (VFFVX) Opinion

hi bparry and welcome! vanguard's target retirement funds are fantastic. i agree with the article author's summary: It’s diversified, with exposure to domestic and international stocks, as well as bonds. i also agree with this: This is a super-long-term fund, as a twentysomething, you're looking at ...
by tyler_cracker
Sat Dec 14, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 (VFFVX) Opinion
Replies: 19
Views: 2840

Re: Who on here owned American Airlines Stock

reminds me of an old joke.

how do you make a small fortune in the airline industry?
start with a large fortune!
by tyler_cracker
Thu Dec 12, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 21
Views: 2058
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