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Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

A very informative filing here: http://www.sec.gov/Archives/edgar/data/1565596/000101905613000001/xslFormDX01/primary_doc.xml You'll have to explain the joke to me. I looked at it and couldn't find anything informative OR funny... ...unless you mean Aggregate Net Asset Value Range: [x] Decline to D...
by z3r0c00l
Fri Jan 23, 2015 7:26 am
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6555

Re: International Bond funds

Decreased interest rates and increased NAV. This means the bond funds may have capital gains, but will be earning even less (than the already pathetic) interest. However the vanguard total international bond fund did extremely well in 2014. How much lower can it go? I don't quite understand the logi...
by z3r0c00l
Thu Jan 22, 2015 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: International Bond funds
Replies: 1
Views: 329

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

why would anyone trust their money with the former trader at Raj Rajaratnam's company? May be they were aware to the risk and aiming too high. Right, it is likely that the whole lot were rotten and operating on the edge (or beyond) of ethics and law. Should not be too shocking that this fund went b...
by z3r0c00l
Wed Jan 21, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6555

Re: Pick Your Poison

Intheheadlights wrote:Does this take into account the 5.75% load?


The absurdity of a 5.75% load is just unreal. How can anyone ever be sold on such a thing? I mean maybe a 1% on redemptions under a year, but 5.75 up front!
by z3r0c00l
Wed Jan 21, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Pick Your Poison [Vanguard vs. American Funds]
Replies: 24
Views: 3135

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

Chill, guys! He said he was sorry. I mean it coulda happened to any of us if someone was silly enough to entrust us with all that money, right? : ) My investments would have returned 15% last year with very little risk and all for a low low fee of 1% over ER. A very informative filing here: http://...
by z3r0c00l
Wed Jan 21, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6555

Re: What is the international portion of your portfolio and

40% domestic - 40% international - 20% domestic bonds. Why? Diversification and the logic of inexpensively matching the market by owning all stocks according to their market cap. Why would I seek this in domestic stocks but not international? No international bonds? No, bonds are fundamentally diff...
by z3r0c00l
Mon Jan 19, 2015 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 126
Views: 8662

Re: MSCI Switzerland Index Return

1) What's the real extent of hurt that common folk in/out of Switzerland are feeling d/t the rise in the franc? The locals will continue to enjoy one of the highest qualities of life and per capita wealth on Earth. Luxury watch exports will still be okay, since people spend a ton on those watches s...
by z3r0c00l
Sun Jan 18, 2015 10:42 am
 
Forum: Investing - Theory, News & General
Topic: MSCI Switzerland Index Return
Replies: 9
Views: 864

Re: What is the international portion of your portfolio and

40% domestic - 40% international - 20% domestic bonds.

Why? Diversification and the logic of inexpensively matching the market by owning all stocks according to their market cap. Why would I seek this in domestic stocks but not international?
by z3r0c00l
Sat Jan 17, 2015 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 126
Views: 8662

Re: Dave Ramsey's bad advice at an all time high!

why it's not disclosed to shareholders is if you really knew just how well they were compensated, you'd be screaming I would expect that employees of the world's largest MF company to be well compensated. What "shareholders" are you referring to? Vanguard is owned by it's investors isn't ...
by z3r0c00l
Sat Jan 17, 2015 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6269

Re: Why invest in International funds? It's a mystery

When you pick a sports team to win, do you just pick a random team? No.. you pick a team that has consistently done well, you look at what players will be playing and the specific match up and try to use statistics to determine who will win. I'd find it troubling if you just threw darts at a dartbo...
by z3r0c00l
Sat Jan 17, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10365

Re: Investing $3,000 In a Taxable Account

Money you expect to use in 5 to 10 years should be in iBonds or CDs. It will probably be worth about what it is today after those 5 to 10 years with a CD, it will certainly be with iBonds. No other investment can offer you that. Stocks want to be held for a solid 20 years or more.
by z3r0c00l
Sat Jan 17, 2015 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing $3,000 In a Taxable Account
Replies: 14
Views: 1567

Re: Been out of market for 5 years, when get back in?

Right, no rule that says you have to invest in the markets. You can use CDs, maybe iBonds too, and then just work harder and longer to make up the extra. Investing is not life and is not required. I think you will probably do less harm this way.
by z3r0c00l
Wed Jan 14, 2015 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market for 5 years, when get back in?
Replies: 25
Views: 3053

Re: If you can hold only Cash or Total World Stock.

Right, cash does not fit in an investment portfolio therefore I would go 100% stocks.
by z3r0c00l
Tue Jan 13, 2015 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: If you can hold only Cash or Total World Stock.
Replies: 6
Views: 571

Re: Please Help Pick a VOYA 401k fund

I also have Voya, but with even worse options (and an entirely unclear disclosure of total ERs, I never trust that I know the total cost) and so I only contribute enough to get the matching funds. Call it a bet that tax rates, and my income, will increase in the future too.
by z3r0c00l
Tue Jan 13, 2015 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 2464

Re: Where do you tilt your Total Int'l Fund?

Apparently I am 1.7% overweight international right now, just to keep it simple I aim for 50/50.
by z3r0c00l
Sun Jan 11, 2015 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3203

Re: Just left meeting with my advisor....

livesoft wrote:Stock market was up over 30% in 2013, so with 12% you must've been invested heavily into bond funds and into your advisor. But if you were in bond funds, then your 2014 would've been much higher. I thinks something is going on there.


International had a bad year with the strong dollar.
by z3r0c00l
Thu Jan 08, 2015 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 7758

Re: Poll: Favorite Coping Strategies for Volatility

I get through it with youth, i.e. the ability to wait for a recovery, and with daily earnings. Even if things are down, I know that income alone can sustain me for a long time, and incidentally that it means buying more at a cheaper price than the time before.
by z3r0c00l
Wed Jan 07, 2015 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2646

Re: Anyone else reluctant to put new money in bonds right no

I certainly would be, but since they had such a good week cap gains and stocks did not, there will be no need to re-balance into bonds any time soon : )
by z3r0c00l
Wed Jan 07, 2015 7:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone else reluctant to put new money in bonds right now?
Replies: 27
Views: 3417

Re: Why buy total international and not each country?

Expense and complexity. Even one of those would be a deal breaker for me, can't possibly keep track of the market caps of each country and then re-balance. And lots of countries have a single ETF tracking them for a 1% er or something.
by z3r0c00l
Wed Jan 07, 2015 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Why buy total international and not each country?
Replies: 21
Views: 2268

Re: Bonds Bonds Bonds...but what about a short term fund?

I would use a single, total bond fund. Unclear why one would want to hold long and short bonds and a total bond fund. Just too redundant and complex.
by z3r0c00l
Sat Jan 03, 2015 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds Bonds Bonds...but what about a short term fund?
Replies: 23
Views: 2318

Re: My Return for 2014 for Wealthfront is less than 2%

Most here will suggest the optimal choice, a simple 3 fund (or less) portfolio with the cheapest vendor, Vanguard. However I don't think your portfolio with Wealthfront is so bad, just somewhat less than optimal. Your returns this year are similar (a bit worse) than mine because I also go market cap...
by z3r0c00l
Sat Jan 03, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Return for 2014 for Wealthfront is less than 2%
Replies: 27
Views: 2959

Re: Best use of money?

Student loans.
by z3r0c00l
Fri Jan 02, 2015 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best use of money?
Replies: 20
Views: 2788

Re: How do Stock prices alter the Bond Market?

Frequently, bonds do well on a day where stocks do poorly. People tend to move towards bonds when things tick downward. This is by no means a rule, but you will often see it from one day to the next. Consider this "noise" however, because even short term bond funds are a 6 - 12 month inves...
by z3r0c00l
Tue Dec 30, 2014 7:18 am
 
Forum: Investing - Theory, News & General
Topic: How do Stock prices alter the Bond Market?
Replies: 9
Views: 956

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

I use them as an e fund and hold a bond mutual fund for bonds. I don't consider iBonds part of my investment money really.
by z3r0c00l
Thu Dec 25, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I-Bonds Count (as part of your bond allocation)?
Replies: 24
Views: 2315

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

Get into iBonds and you are protected in the event of significant inflation, and after 5 years you have basically a raise your rate CD with zero penalty.
by z3r0c00l
Thu Dec 25, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5173

Re: Paycheck "leap year"

The 1/1/2015 check gives me a bit of an accounting loophole as I track my net worth on the first of every month! So it will look like the year to date was a bit better, and will also push part time earnings into 2015 that would have made 2014 PT work look better than the expected for 2015.
by z3r0c00l
Wed Dec 24, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paycheck "leap year"
Replies: 25
Views: 4905

Re: Please explain dividends to me

A company stock is worth $9 in January and as they earn and accumulate money, that stock works its way up to $10 reflecting that new, larger amount of cash in the company. (Let's pretend that speculation and market factors don't influence share value over that time.) You as a share holder have alrea...
by z3r0c00l
Wed Dec 24, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Please explain dividends to me
Replies: 11
Views: 2197

Re: handling large market drops

Well the issue is this; keeping an excess of cash just sitting around waiting for the drop generally does not work. Sometimes the drop happens after an incredible 15 years of returns, during which time your cash could miss out on 100% gains or more. Often the drop does not return you to the starting...
by z3r0c00l
Sat Dec 20, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 17
Views: 1813

Re: 80/20 stocks/bonds for near retirement

"what I saw was that since 1930..." A 20 year recovery kinda ruins this plan, as does a 90% loss in stock value. Conservative investors should think about the worst case scenario.
by z3r0c00l
Tue Dec 16, 2014 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2336

Re: Have you ever been let go?

Yes, after only a few years at my first full time job I was laid off with a large number of other staff. This is a common thing in this industry, especially in hard economic times (and yet we don't earn much). It was unexpected and upsetting at first. I was fuming a bit, even though severance was qu...
by z3r0c00l
Tue Dec 09, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5768

Re: High(ish) earner; spending too much?

We are the same age and you make closer to an order of magnitude more than I do than double, so I would say enjoy it while you have it! 120K a year is a very good amount to be saving (and with that high net worth already...) and for once it is great to see someone who is spending money on the finer ...
by z3r0c00l
Sun Dec 07, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 71
Views: 9174

Re: Nikkei index 20+ years later.

"Sure, the Dow might top 13,000 again in the future.
The S&P 500 might just trade above 1,440 once again.
Heck, maybe the Nasdaq will return to its glory days and trade over 5,000. Anything is possible."

If this month ends well for Nasdaq...
by z3r0c00l
Sat Dec 06, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Nikkei index 20+ years later.
Replies: 9
Views: 1680

Re: Why do we like dividends?

Kodak, Lehman Brothers, etc. Waiting decades for a company to swell in value is risky. I would rather they pay some of the profits all along. Even Lehman brothers would have returned something decent over the years provided you didn't simply reinvest in more Lehman brothers, that is. It makes sense ...
by z3r0c00l
Mon Dec 01, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 114
Views: 8649

Re: How did you handle the 2008 bear market ?

Got my first $3000 investment at Vanguard in March near the bottom. If only I had more money at the time to invest!
by z3r0c00l
Tue Nov 25, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7210

Re: 23 year old... Can I afford a Rolex?

$5,000 gets you a nice vacation in Europe or Asia or Hawaii, with good meals, outdoor experiences and memories that will enhance your life immeasurably. The idea of spending that much on a watch is just crazy to me. I would perhaps consider it if I had $10 million or more, even then I would rather b...
by z3r0c00l
Sun Nov 23, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 16500

Re: Start a business

1.) Be born into a wealthy family and/or 2.) Work hard and save and/or 3.) Win the lotto or do the business equivalent of that by getting into a lucky startup. Most businesses and many real estate deals end up making little to no money over time. There is a bit of a fiction behind the idea that ever...
by z3r0c00l
Fri Nov 21, 2014 6:48 am
 
Forum: Investing - Theory, News & General
Topic: Start a business
Replies: 14
Views: 1705

Re: Received an inheritance, clueless as to what to do with

Good advice so far. I would also suggest that at 33, it is certainly not too late to invest in your future. Think about a career that would interest you and offer stable employment and consider cost-effective (i.e. not massive student debt) training programs. How about working security? Getting a CD...
by z3r0c00l
Mon Nov 17, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Received an inheritance, clueless as to what to do with it.
Replies: 29
Views: 5506

Re: Is investing more risky today today than before the inte

Better for the individual investor by far, much more information, cheaper options for trading... the only counter is the increase in misinformation and scams through just one more venue. I guess a smart investor is better off, and a fool has one more way to get in trouble.
by z3r0c00l
Mon Nov 17, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 4565

Re: When do your account returns dwarf your contributions?

I have been building my investment accounts gradually for 8 years. The daily changes in value are still relatively small, rarely more than a few thousand dollars either way, however starting with this most recent dip in stocks, it has become clear that my net worth is now dominated by market perform...
by z3r0c00l
Mon Nov 17, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 7790

Re: Investing in IPOs / Risks, Warnings?

It is a major gamble. On average IPOs don't do particularly well over a long stretch of time. If you happen to get the right IPO, you will make a fortune. If the company is tiny or if it is a penny stock IPO, stay clear. Always question why you are being offered this; most good IPO deals go first to...
by z3r0c00l
Sun Nov 16, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in IPOs / Risks, Warnings?
Replies: 10
Views: 637

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

I would also much rather put the money in a bond fund than a 10 year CD or even a 7 year CD of this kind. Liquidity is very attractive.
by z3r0c00l
Sun Nov 16, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4634

Re: 30% In International Stocks?

One way to look at this: Millions of investors world-wide have already determined that US and International equities warrant a roughly 50/50 split. Given the perceived advantages of index/market weight investing, why would an individual investor want to deviate from global weightings? Exactly. If m...
by z3r0c00l
Wed Nov 12, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 6925

Re: Gathering thoughts vs. Market Timing

1) I don't think bonds will fare very well now that QE is ending, in the short term at least 2) Given the above assumption (I'm very aware there are no guarantees), I felt that having more dry powder to DCA back in once I get my plan setup, would possibly offset the time out of the markets 3) The s...
by z3r0c00l
Tue Nov 11, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 3844

Re: astonishing performance of US markets vs others

I find some of these gut reactions confusing. The lack of correlation and rebalancing into funds that are not doing as well makes me feel better about having a strong international exposure. If they worked in lockstep all the time, I wouldn't find international nearly as attractive and would cringe ...
by z3r0c00l
Tue Nov 11, 2014 8:38 am
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 5396

Re: Mr Bogle - 20x p/e warning

Not sure why he selected 20x, 25x seems like more of the danger zone to me.
by z3r0c00l
Tue Nov 11, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3977

Re: Sunday morning musing - dividend stocks

ny_rn wrote:+1. I would focus on travel, food and making others (family and friends) happy.


+2!

However I have to ask, if you used the money to buy a bond index fund, how much income would you see compared to these stocks?
by z3r0c00l
Sun Nov 09, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Sunday morning musing - dividend stocks
Replies: 11
Views: 1281

Re: The Sky is Falling

Tigermoose wrote:I better get into the triple leveraged cash position.


I am 2x short cash right now. The 1.89% ER hurts but...
by z3r0c00l
Fri Nov 07, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 6133

Re: Why are people so down on bonds?

I having been moving money out of bonds for a while now. Interest rates can only go one direction. I keep hearing that. And then I see this: https://personal.vanguard.com/us/funds/snapshot?FundId=0927&FundIntExt=INT#tab=1 If I had the nerve to own long term bonds, it would have been a great few...
by z3r0c00l
Fri Nov 07, 2014 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Why are people so down on bonds?
Replies: 39
Views: 6465

Re: Why stay in intermediate term bonds?

mack125 wrote:with the threat of rising rates and current low yields..


You have no idea how often that has been posted here during the past few years. Yet... here we are and it has yet to really happen significantly. Glad I didn't panic and put the money in a CD, would have made half if that.
by z3r0c00l
Thu Nov 06, 2014 7:23 am
 
Forum: Investing - Theory, News & General
Topic: Why stay in intermediate term bonds?
Replies: 38
Views: 3848

Re: Pension lump sum offer - am I thinking clearly?

I had a "gut" feeling at the time about the financial stability of the company (a very large telecommunications company) and opted to take the lump sum payment and roll it over to an IRA. Sure enough, about five or six years later this major firm declared bankruptcy and all of its employe...
by z3r0c00l
Thu Nov 06, 2014 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer - am I thinking clearly?
Replies: 32
Views: 2557
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