Search found 1932 matches

by AlohaJoe
Fri May 26, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Lending
Replies: 11
Views: 866

Re: Portfolio Lending

Yes, I believe Vanguard allows conversion to an ETF for free. I haven't checked with IB but most places allow you to transfer assets in for free. Maybe they charge a fee to transfer out? I kinda doubt it though...IB seems to get pretty good reviews. But worth double checking. The lower interest rate...
by AlohaJoe
Fri May 26, 2017 3:44 am
Forum: Investing - Theory, News & General
Topic: Boglehead Portfolio vs. All Other Possible Investments
Replies: 29
Views: 1581

Re: Boglehead Portfolio vs. All Other Possible Investments

Simple question: Is a passive, low-cost, diversified index portfolio* really the best bet to achieve the highest possible risk-adjusted, long-term returns anywhere? No, it isn't. Now that we've settled the only question in your post: What are you actually going to do differently now? How is this ac...
by AlohaJoe
Thu May 25, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: AirBNB payment policy
Replies: 13
Views: 955

Re: AirBNB payment policy

An earlier post seemed to prefer this site vs VRBO. I tried the site for the first time and found a unit. To book,however, I see they want total payment up front for a time 9 months out. Seems a little harsh If you buy a plane ticket for a flight 9 months out, do they want total payment up front? (...
by AlohaJoe
Thu May 25, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 1525

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

If index funds want to vote at their holdings shareholder meetings I think that they (the index fund) should put it to a vote to their shareholders (us). This is, honestly, a dumb idea. Vanguard voted on 155,490 proposals last year. Do you really want them to send you a 276 page ballot like this? h...
by AlohaJoe
Thu May 25, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Lending
Replies: 11
Views: 866

Re: Portfolio Lending

I wouldn't be using margin or portfolio lending to buy securities although the cash would be used for investments (just not registered ones). I agree that the rates are too high but I checked a few other sites (Fidelity, Schwab) and they didn't seem much different from the other brokers. Is there a...
by AlohaJoe
Thu May 25, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Lending
Replies: 11
Views: 866

Re: Portfolio Lending

Ahhh, perfect! Although I wonder why there are two types of ways to borrow (margin and portfolio lending) if I can use the borrowed proceeds as cash. Anyways, I'm off to Vanguard to learn more about their margin offering. Thanks so much! They may provide it as cash, but you still aren't allowed to ...
by AlohaJoe
Wed May 24, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Proactive Strategy
Replies: 6
Views: 351

Re: Proactive Strategy

A desire to be "proactive" and avoid crashes is normal and pretty common. But it is also antithetical to Bogleheads. You should set an asset allocation that let's you sleep well at night, then stop looking at it, and go live your life. If you want to try more active strategies....this isn'...
by AlohaJoe
Wed May 24, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Made 100k From Home Sale, Advice Wanted
Replies: 7
Views: 995

Re: Made 100k From Home Sale, Advice Wanted

1. Start a Roth and put 5,500 in to it... I want to use VFFVX 2. 47k into SCHB 3. 28k into SCHF 4. 10k into SCHZ 5. 10k into FTEC I don't know what any of those are. If you want more replies, you might get it by listing the actual fund names instead of just symbols. Edited, thanks for the tip. I'm ...
by AlohaJoe
Wed May 24, 2017 2:37 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 60
Views: 9531

Re: A Gem from [some guy not livesoft]

I was more interested in the success of 75/25 in retirement. Seems counter to the advice I commonly hear. It may be counter to the advice you normally hear but it is hardly a new finding. It is kinda of glass half-full thing. It has long been known that anything from ~40-80% stocks has nearly ident...
by AlohaJoe
Wed May 24, 2017 2:23 am
Forum: Investing - Help with Personal Investments
Topic: Made 100k From Home Sale, Advice Wanted
Replies: 7
Views: 995

Re: Made 100k From Home Sale, Advice Wanted

Shutout wrote:1. Start a Roth and put 5,500 in to it... I want to use VFFVX
2. 47k into SCHB
3. 28k into SCHF
4. 10k into SCHZ
5. 10k into FTEC



I don't know what any of those are. If you want more replies, you might get it by listing the actual fund names instead of just symbols.
by AlohaJoe
Tue May 23, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 64
Views: 5466

Re: The dot com "do over" bull market?

Reading through Random Walk Down Wall Street, and trying really hard to see what bubble we're in right now, if we're in one. In 2016 Fama said For bubbles, I want a systematic way of identifying them. It’s a simple proposition. You have to be able to predict that there is some end to it. All the te...
by AlohaJoe
Tue May 23, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find a dream/hobby/part-time job?
Replies: 13
Views: 2024

Re: How do you find a dream/hobby/part-time job?

My question is a little different though: how does one find an ideal gig for "career downsizing" or "semi-retirement" or a "hobby-job" or whatever---while still working the "upsized" job? A while back VictoriaF posted about "Design Your Life": https...
by AlohaJoe
Tue May 23, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 79
Views: 8537

Re: i am my own "guy," but not sure I should advertise that

It occurred to me that I maybe should keep my mouth shut about relying on BH. Is sharing the good word something that you do, or is evangelizing, to borrow a term, more likely to cause harm than good? What harm do you think it would cause? I've never had a single problem in two decades of talking (...
by AlohaJoe
Tue May 23, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: "The Problem With Factor Investing Research"
Replies: 58
Views: 2486

Re: "The Problem With Factor Investing Research"

"Fama and French’s work has become the foundation for Dimensional Fund Advisors, which formed portfolios focused on cheap small-cap stocks that were accessible for retail investors via the financial advisor channel." Seems kind of sloppy to say that a 1992 paper "has become the found...
by AlohaJoe
Tue May 23, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: "The Problem With Factor Investing Research"
Replies: 58
Views: 2486

Re: "The Problem With Factor Investing Research"

there's no other field where the identification of a phenomenon makes it go away. Once there's a way to make money, it becomes over-exploited and evaporates. This is one of the problems with awarding Nobel Prizes in Economics, imo. One can discover great "laws" of finance that become irre...
by AlohaJoe
Tue May 23, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Question on Shiller CAPE predictions
Replies: 66
Views: 2203

Re: Question on Schiller CAPE predictions

Here's what I mean: Does Schiller CAPE predict the total return of a given year (say 20 years from now) based on an investment on 1/1/2037 and ending 12/31/2037, or does it consider the return based on a start date of TODAY - for example, investing 5/23/17 and looking at my average annual total ret...
by AlohaJoe
Tue May 23, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: "The Problem With Factor Investing Research"
Replies: 58
Views: 2486

Re: "The Problem With Factor Investing Research"

too bad larry isn't here to poke bunch of holes in that article. I doubt Larry would poke a bunch of holes in the article. There's literally nothing even a little bit controversial in the article. It is the same exact argument that Larry makes in his own articles (and books) on factors, using the s...
by AlohaJoe
Tue May 23, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: To me this is the most significant investment lesson ever
Replies: 16
Views: 2792

Re: To me this is the most significant investment lesson ever

I call bs. They supposedly "averaged" the highest and lowest performing models, making the fact that the highest had 74% stocks and the lowest was 44% immaterial. I don't think that's what they did. Where do they explain this averaging? I see two lines. One for the highest model and one f...
by AlohaJoe
Tue May 23, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Excessive hold time for ACH for new bank accounts ?
Replies: 7
Views: 737

Re: Excessive hold time for ACH for new bank accounts ?

• If you fund your account with an initial deposit made by ACH transfer from another financial institution, the types of withdrawals you can make are restricted for the first 45 days What types of withdrawals are restricted? What are the restrictions on those types of withdrawals? Without knowing t...
by AlohaJoe
Mon May 22, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Investing FOR Retirement vs Investing IN Retirement
Replies: 25
Views: 2292

Re: Investing FOR Retirement vs Investing IN Retirement

For another look at the McClung Prime Harvesting there is this recent analysis: https://earlyretirementnow.com/2017/04/19/the-ultimate-guide-to-safe-withdrawal-rates-part-13-dynamic-stock-bond-allocation-through-prime-harvesting/ I've also looked at Prime Harvesting a fair amount. https://medium.co...
by AlohaJoe
Mon May 22, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1514

Re: Galapagos Trip, Suggestions

Definitely following this. I want to take family to Machu/Galapagos in 2018 or 2019 Want to do Inca Trail then Galapagos. Probably take 2 weeks. Kids will be 17, 13, 9. Too young? Should we wait until 18, 14, 10? The Inca Trail, while not super hard or anything, is not the easiest hike. I did it wh...
by AlohaJoe
Mon May 22, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8215

Re: Home Country Bias...makes sense?

All this talk about how Australia is hard to invade... clearly you Americans never read the best selling (in Australia) Tomorrow, When The War Began :)
by AlohaJoe
Mon May 22, 2017 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 41
Views: 3010

Re: Yet Another Real Estate vs Stock Market Thread

BAM! wrote:These numbers are for someone supplementing their 300k income by purchasing a 600k rental property vs investing the same amount in the stock market.


People with $600,000 in cash who want to invest in real estate don't buy a $600,000 property.

They buy 5 or 10 $600,000 properties.
by AlohaJoe
Sun May 21, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: International fund that has 'only' millions in assets rather than billions? [FTIPX]
Replies: 8
Views: 956

Re: International fund that has 'only' millions in assets rather than billions? [FTIPX]

Fidelity's mutual fund for Total International (FTIPX, inception 6-7-16) has 'only' $291M in portfolio net assets according to their 4-30-17 stats. Other similar funds hold billions, like Vanguard's Total International and Fidelity's other International funds offerings. What issues may arise for in...
by AlohaJoe
Sun May 21, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 1710

Re: Why ETF settlement happens on T+3?

Sydney is actually one of the more automated exchanges. And yet Australia also has T+3 settlement :oops: though ASIC is talking about moving to T+2 next year, I think. At least Australian electronic funds transfer (which takes 1 day) doesn't take the ridiculous amount of time American ACH (which us...
by AlohaJoe
Sun May 21, 2017 3:09 am
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3169

Re: Bad experience with 'rescuing' a lost dog

Police from 2 hours away do not have jurisdiction over you, right? I think maybe you grew up watching too much Dukes of Hazzard :) Your entire argument is "if you commit a crime in Place A but then run away to Place B, the police can't do anything about it". That's (obviously) not how the...
by AlohaJoe
Sat May 20, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: "Stocks, Bonds and Future Returns" by Prof. Jeremy Siegel
Replies: 65
Views: 5175

Re: "Stocks, Bonds and Future Returns" by Prof. Jeremy Siegel

I am just wondering where he got his data from 1802-1900? They come from Professor G. William Schwert: http://schwert.ssb.rochester.edu/jbindex.htm is it US data or world? US data only. Others have extended world data -- for at least some countries -- back beyond 1900. For instance Golez & Koud...
by AlohaJoe
Sat May 20, 2017 1:02 am
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3539

Re: Anyone else track the value of their investments by discounting the value of equities?

Why 40%? Why not 80%? Probably because the odds of that happening are too remote to worry about. And if it did happen to a global diversified portfolio of equities; well, it's probably gonna be game over no matter what you're holding. The OP has repeatedly stated he doesn't believe in international...
by AlohaJoe
Fri May 19, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: 'Diversification, Adaptation, and Stock Market Valuation'
Replies: 1
Views: 239

Re: 'Diversification, Adaptation, and Stock Market Valuation'

Previously discussed here viewtopic.php?t=216084 (Though not much of a discussion. Remember the bike shed principle!)

It also gets mentioned occasionally in threads about valuations and "are things overpriced".
by AlohaJoe
Fri May 19, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 81
Views: 9647

Re: Question for you high net worth individuals...

Zero.

I rent; don't even own a house.

But if you asked this question on different forums you might get different answers. This forum is biased towards a certain kind of investor. Ask on biggerpockets and you'll definitely get different answers :twisted:
by AlohaJoe
Fri May 19, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 1710

Re: Why ETF settlement happens on T+3?

Why ETF (at least in my broker) settles on T+3 days? Because businesses usually do the bare legal minimum...which is T+3 execution. When the legal minimum changes to T+2 then they'll do that. On a less cynical note: there's actually a surprising number of people involved -- custodians, central secu...
by AlohaJoe
Thu May 18, 2017 4:21 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation [Europe]
Replies: 5
Views: 307

Re: Help with asset allocation [Europe]

25% Gold Gold is generally not liked on this forum - do a search for "gold" in the forum. Thanks BeBH65. What would you recommend as an alternative to gold to reduce portfolio volatility? You've chosen the Permanent Portfolio. If you believe in it, then you shouldn't switch out gold for s...
by AlohaJoe
Thu May 18, 2017 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 3260

Re: Should I sell my business?

The $230K in business assets (cash) will come with me. This would not be included as part of the sale. I obviously don't know your business is structure or how your books are set up...but it sure sounds like your business has a $230,000 liability/debt that you didn't list above then. In any case, I...
by AlohaJoe
Wed May 17, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: International: Where's the benefit?
Replies: 63
Views: 4769

Re: International: Where's the benefit?

frankmorris wrote:1: Total US
2: Total Global ex-US


Which 2 funds did you use for this?
by AlohaJoe
Wed May 17, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 3260

Re: Should I sell my business?

I am 100% owner of a small business that will net me approximately $480K annually. We have $268K in taxable/tax deferred accounts. $90K in cash savings. $230K liquid business assets (cash). We are renting our home. We owe $22K on a minivan. There is no other personal debt. There is no business debt...
by AlohaJoe
Wed May 17, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 2880

Re: REITs: Count as Stocks or Bonds?

What possible reason would there be to consider them bonds? They are listed on the New York Stock Exchange, if that makes it any easier. On a less snarky note: the split between "stocks" and "bonds" is a misnomer. What people usually really mean is "high-volatility but hopef...
by AlohaJoe
Wed May 17, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: TIPS Roll Return .6%?
Replies: 3
Views: 549

Re: TIPS Roll Return .6%?

I'm curious what the OP is going to do with this information?
by AlohaJoe
Wed May 17, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: International: Where's the benefit?
Replies: 63
Views: 4769

Re: International: Where's the benefit?

So: How many of you are banking solidly on something that hasn't been valuable since the 80s? There have been a staggering number of threads on this topic. It is probably the most discussed topic on bogleheads. Could we take just this one week off of rehashing it and rely on searching the voluminou...
by AlohaJoe
Wed May 17, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7268

Re: Article: "Our emergency fund is exactly $0.00"

Can one only have PLC through the portfolio's custodian? Yes. Is there any cost to the PLC while it's dormant/unused? No. Will the cost+interests incurred when using the PLC be higher than the cost of selling shares for a comparable value in the taxable aspect of the portfolio? If so, why not liqui...
by AlohaJoe
Wed May 17, 2017 3:25 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7268

Re: Article: "Our emergency fund is exactly $0.00"

1) Day0: My small checking account which just has enough for daily bills. It gets replenished every month with my paycheck. It is a trivial amount (less than 0.1% of my assets) so I don't care about optimizing it. 2) Day0: Credit cards that you can then pay at month end so have day0+ 30 buffer with...
by AlohaJoe
Wed May 17, 2017 2:34 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1332
Views: 225056

Re: What are you up YTD? [Year To Date]

YTD 22.44%
by AlohaJoe
Tue May 16, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 164
Views: 30198

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

Hi Tyler, Great tool. I use it a lot. I used to see Merriman Ultimate Portfolio but I do not see it anymore. Any reason why it was removed? My portfolio resembles Marriman's so it was easy for me to get all the data needed with one click rather than doing a customized chart. Thanks for sharing this...
by AlohaJoe
Tue May 16, 2017 4:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard opens new UK retail customer platform
Replies: 5
Views: 365

Re: Vanguard opens new UK retail customer platform

Vanguard's long-awaited UK direct to retail customer platform offering has now arrived: https://www.vanguardinvestor.co.uk/ At first glance, underwhelming. High annual cost, and low flexibility. Maybe they'll improve it over time. Unlikely. Vanguard Australia was their first international office (f...
by AlohaJoe
Tue May 16, 2017 2:36 am
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3145

Re: How to stay on a budget?

How do you succeed sticking to a budget? It is pretty easy... We stick to it for a week or two, then realize we have something we didn't plan for like a medical procedure, the dog looks sick and should be taken to a vet, or something similar, and we say screw it and dump the budget. ...just don't s...
by AlohaJoe
Mon May 15, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Research studies on high bond/low stock portfolios?
Replies: 10
Views: 1073

Re: Research studies on high bond/low stock portfolios?

For example, instead of choosing just one portfolio that starts in 1982 and ends in 2017, what if the data were calculated for every possible portfolio variation - one that started in 1983 and ended in 2017, then 1984 ending in 2017, etc., then one starting in 1982 and ending in 2017, starting in 1...
by AlohaJoe
Mon May 15, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: JL Collins Stock Series Podcast - Perplexing Suggestion
Replies: 6
Views: 911

Re: JL Collins Stock Series Podcast - Perplexing Suggestion

Thanks all for your thoughts. Collins didn't say anything of the sort and he definitely didn't imply that it's a zero-sum game. Well, he said "You don't really have any chance to gain because you're always offsetting." Does that not imply a zero-sum? 21:40 in the podcast... You are engagi...

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