Bogleheads

Two, while I like the 100% accounts for REITs, TIPS, etc, it has never been clear to me how to have say 50% of one and 50% of another. It may be that another account application and fee is required, ...

The only way Sammy's trade can earn more money is if the CD has more risk be it duration, liquidity or inflation protection. (Adjusting your position to be more in line with your IPS is a valid reason ...

Treasuries only comprise about 1/3rd of the domestic bond market however, so a lot of money is invested in non-treasuries by those willing to accept additional risk in expectation of higher returns. ...

Two years ago there was lots of talk here about international REIT funds, and about commodity CCFs. No one is talking about them now. Is this because we have learned more and now realize they are no ...

Some may be interested in this google spreadsheet.

http://spreadsheets.google.com/ccc?key=0AjtcSBWlR9XIdEplSTlSYzFmSlh2QlJLNkFvd3hvb3c&hl=en

I find it a useful reference, but I wouldn't make ...

The problem is if you sell what do you buy as a replacement.

I sold some 4/2011 TIPS and bought ST CD's with around 2.6 nominal yield. The full story is I was heavier on TIPS that I cared to be lo ...

The blog is on the CBS Moneywatch! Consider the audience. People that go there are already displaying that they are not going to tune out the news. So it seems to me Larry has suggested the next be ...

The EFA to VEU move would increase my exposure to emerging markets and smaller stocks, which it's not clear I really want

Then you may want to consider VEA (ER .16) over VEU (ER .25).

One reason for selecting SPY, EFA, and IWM (many years ago) was (and still is) that they are the largest and most liquid ETFs around. I have significant positions in them and it's difficult to pull t ...

I've done all the work for you:

http://bobsfiles.home.att.net/download.html#Frontier

VERY nice work, Bob.

Also, bear in mind the homeowners liability section covers you in places other than your home. You're on a ski trip, get out of control and accidentally plow someone over... you're leaving a building ...

How close are the homes to each other in your area? What if you negligently cause a fire (people do stupid things) and it not only burns your house to the ground, it also spreads to your neighbors, a ...

I was able to pick up some good secondary CDs. 2-year 2.3%, 3-year 2.9%. These are almost as good as the best rates available elsewhere. Good rates don't come up everyday. Hence the bookmarklet. Expec ...

However I have to see his departure as a failure on my part to maintain one the most important principles of this forum
Don't kid yourself; you moderators do an incredible job, but there is no way yo ...

I never gave this much thought before but it seems to me that this puts VTI at a disadvantage at least in the longer term. Any benefit of passing low basis shares off to the creation share sellers wou ...

Rick,

Thank you for your analysis. I understand all of your comments, with one exception...

...and then there will likely continue to be a slight tax benefit for VTI due to the structural advan ...

I'm curious to see this, is there a public link?
Here you go. [url=http://spreadsheets.google.com/ccc?key=0AjtcSBWlR9XIdEplSTlSYzFmSlh2QlJLNkFvd3hvb3c&hl=en]Sammy's List

One other tip:

I've setup a google spreadsheet and pulled in quotes for the major ETFs along with their IIVs.

A1: ETF Ticker
B1: IIV Ticker
C1: =GoogleFinance(A1,)
D1: =GoogleFinance(B1,)
...

I like to look at premium/discount levels and history, and the M* graph only plots a point every month. Yes, I know ETFs aren't supposed to have premium/discount issues, but that seems less true than ...

I have 2 accounts with them. In my dealings with the staff, they were pretty clueless. However, the investment options are the best available for my needs. I just use the website for most things. ...

Does anyone know if self employed / solo 401Ks qualify as ERISA protected?

is that a refutation or just a statement that investing in futures is not the same thing as buying the underlying asset?

i think the latter. it says to me that there will be periods of contango al ...

I visit altruistfa occasionally to make sure I'm not overlooking any significant new ETFs/Funds. Then I dig into the fund family websites:

Lrg: [url=https://personal.vanguard.com/us/funds/snapshot ...

netvibes

Love it! (very similar to pageflakes, but I like netvibes a little better because it opens the full article in a frame rather than requiring a separate tab/window)

I figure the full-time experienced manager and his associates of our TIPS fund (VIPSX) knows more than I do, so I let him do any shifting he feels necessary.
I believe someone here, maybe TFB, looked ...

tfb,
Like you, I have a SE401k with them (and just rolled in an IRA as well), so am in the 'must use Fidelity' camp. Thanks for the bookmarklet.

dbr,
Maybe it was 20bp for nominals and half that ...

Are you more flexible about following it? Or is it that you are already aligned with your plan?
Yes I'm more flexible. Since we are talking about market timing, ahem, valuation informed investing, I ...

Just hold. I don't think the long term yields are low enough to justify selling yet.
TFB,
I wrote my TIPS action plan within my investment policy statement. I view not 'shifting' when the plan cal ...

Thanks to all those who weighed in. Just to close the loop, I decided to go with the Spartan ST Treasury fund mainly due to simplicity/cost and am now down to about 50% of fixed income in TIPS with a ...

Exactly, I'm just trying to reduce volatility and keep roughly the same expected return. I just keep running into the repeated phrase; "There is no free lunch."
Reduced volatility is a do ...

I have some bad news for Swedroe - when a global recession hits, investors dump the riskier equity asset classes first and to a greater extent then less risky ones like developed markets large caps. N ...

I think that Larry's portfolio is just great -- for him. Unlikely that the vast majority of us have the discipline to stick with such a high SV tilt through thick and thin, and that's what it's all a ...

http://www.fundadvice.com/portfolio.html#vanguardequity

You might also be interested in Trev H's analysis on a more simplified approach:

http://i30.tinypic.com/2ppkl8y.gif

Grey Goose and Kettle One are my favs, but I find Three Olives to be a decent value. I don't care for the flavored stuff.

Schwab ... no commissions on treasuries and generally the best bond platform.

I take it that no commissions on treasuries refer to auctions, is this done completely online or through a bond spe ...

Commission-free trading for Schwab customers with Schwab ETF's.
Very nice. They just bumped Fidelity out for the #2 spot on my best brokers list.

#1. Wells Trade PMA (pros: 100 free trades per ...

Eric,

I also meant to say I sincerely appreciate the information you've assembled on your website. I along with many Bogleheads refer to it constantly. It is refreshing to see an advisor with DFA ...

I'd say Tradl IRA first, at least up until you reach the next tax bracket.

There is little to no "loose cash" to do conversion of the Traditional to ROTH.
Not sure if the Roth conversion ...

I don't know why a US investor would care. Unless you are way way overweight in foreign and small cap value there is just not going to be enough of such an ETF to have much of an impact on your total ...

These ETFs are not just another share class of an index fund, like many of the Vanguard ETFs, correct? If correct, one might take into consideration the tax advantages of 100% ETF structure. Advanta ...

A third grader (okay, maybe a sixth grader) can understand the concept of spending less than you have, avoiding high interest debt, and reading things that you sign. Ignorance is not the problem; dis ...

I see the benefit of using RZV/RPV if one cannot acheive their desired tilts without them, e.g., limited 401K options. However, I also share caklim's concern about lack of diversification.

Simil ...

One poster has said he intentionally puts his TIPS in the Roth - sorry I can't remember just why.
I believe livesoft said he puts safe investments in his roth because he can't bare to lose money from ...

RMD's - Roths aren't subject to them. If you assume your tax rate stays the same in retirement as now, RMD's are the only reason you'd care.

I don't believe it makes any difference and therefore I believe that figure is wrong with regard of TIPS. With regard to value stocks, there is a school of thought that says "higher expected retu ...

Rantsalot,

I take it that you do not find appealing the prospect of leaving money to your heirs that is not subject to income tax and can be drawn upon over their full lifetimes (i.e., a very long ...

Ron,

I'm sure you've evaluated your situation well. I ask because my particular strategy is to contribute only to Tradl IRA/401ks now while my marginal tax rate is relatively high. If/when I go t ...

Today, I'm paying tax on my IRA (e.g. 401k rollover) withdrawals while in early retirement. I have to pay the tax on a monthly basis, as I withdraw my monthly income. While it's not a concern at thi ...

So, in effect, the government gets to keep some of the full effect of the tax deductibility of the Roth because most people don't spend their entire Roth down to the bone before they die.
Your heirs ...

A single TIPS bond grows in nominal value but is constant in real value because the government increments the principal each period. In a fund that principal increment is paid out so that the princip ...