Search found 242 matches

by Always passive
Wed May 23, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 47
Views: 1870

Re: Quicken - Do you use it?

Question:
Can you use an old version without paying Quicken? I use the 2017 version but do not download from the securities prices
by Always passive
Tue May 22, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: French hotel amenities...
Replies: 15
Views: 1085

Re: French hotel amenities...

It is all a matter of $
by Always passive
Mon May 21, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 7601

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

Hello everyone, I am brand new here but have already learned so much by reading the philosophy adopted by those on this board. I could use some collective wisdom. My story: I am a 42 years old and my husband unexpectedly passed away a month ago. We received 1.5 million from his life insurance polic...
by Always passive
Sun May 20, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: Bogle featured in Barrons cover story
Replies: 36
Views: 3096

Re: Bogle featured in Barrons cover story

In any case, the problem is the behavior, not the vehicle in my humble opinion. triceratop: Mr. Bogle feels the same. He has said that ETFs held long-term are perfectly acceptable. Best wishes. Taylor Taylor, that may well be, but it is distinctly not the impression one gets from reading that artic...
by Always passive
Sat May 19, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Financial times: Wealthfront's experiment in risk parity has a rocky start
Replies: 14
Views: 1750

Re: Financial times: Wealthfront's experiment in risk parity has a rocky start

A couple of months is so short a time for comparing these funds that it is pointless. Get back to this in 10 years or so. I tend to agree with this. How many people on this forum would just throw their hands up in the air and abandon the Three Fund Portfolio just because it had a few losing months?...
by Always passive
Sat May 19, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5972

Re: Would you send your children to private school in my situation?

Do what your mind and heart tell you. I sent my children to private school and I am about to finance my granddaughter's private school. I will never know if I was right, but that is not the point. The point is that I have tried to do the best I can, after all my children are my most precious investm...
by Always passive
Fri May 18, 2018 1:01 am
Forum: Investing - Theory, News & General
Topic: Does your value fund own the wrong value stocks?
Replies: 25
Views: 2623

Re: Does your value fund own the wrong value stocks?

There is a decent correlation (R2 about 0.5) between long term performance and P/B. See https://www.starcapital.de/en/footernav ... luation%2F
by Always passive
Sat May 12, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 55
Views: 3155

Re: Accumulating ETF - Additional Units or Increase in Price

sure.. but I was trying to make it simple ;-) So do you confirm for a fact that there is double taxation? Would we be able to see the difference on returns (because of the 15% taxes) of an SP500 domiciled in Ireland vs VOO ? The Irish strategy is effective for BOND ETFs, where there is zero US taxa...
by Always passive
Thu May 10, 2018 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 55
Views: 3155

Re: Accumulating ETF - Additional Units or Increase in Price

According to this: https://www.bogleheads.org/wiki/Passive_foreign_investment_company As a US person, you really don't want to hold any non-US domiciled funds. Any realized or unrealized gains would be taxed each year as ordinary income. Some offshore, Cayman Island, etc., hedge funds are SEC regis...
by Always passive
Tue May 08, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating ETF - Additional Units or Increase in Price
Replies: 55
Views: 3155

Re: Accumulating ETF - Additional Units or Increase in Price

As a US person you will have difficulties buying an accumulating fund, and if you succeed you will,have a tax nightmare as these funds typically do not satisfy US reporting guidelines. Tx... that's what I meant.. this is not a US fund . And good luck trying to investing on it (FATCA) As en European...
by Always passive
Sun May 06, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing targets- Need review
Replies: 4
Views: 492

Re: Rebalancing targets- Need review

It would be interesting to know if in the past you would ever have had to rebalance at all given your rules. In other words, you can make the rules so stringent that they would never have been triggered in the past and thus probably would never be triggered in the future. In that case, one could ha...
by Always passive
Sun May 06, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing targets- Need review
Replies: 4
Views: 492

Rebalancing targets- Need review

Can anyone review my rebalancing criteria and comment on it. I am retired and hold a globally diversified of equity in ETFs, my bond portfolio consists of a 10 year ladder of TIPS and CDs. The rest is split in an intermediate term bond ETF, 60%, and in a short duration ETF, 40%. Both total return fu...
by Always passive
Sat Apr 28, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess
Replies: 12
Views: 1392

Re: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess

veggivet wrote:
Sat Apr 28, 2018 1:59 pm
I bought SPYV last week in my TD Amertirade account. Trades commission-free, and expense ratio is .15%. GVAL expense ratio is .68%, for comparison.
two different strategies
by Always passive
Sat Apr 28, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess
Replies: 12
Views: 1392

Re: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess

cegibbs wrote:
Sat Apr 28, 2018 1:02 pm
I read the article when i received the WSJ yesterday. But i’m wondering what fund would best to buy to benefit fom a comeback in value stocks (e.g., DODGX, SCHD, VLUE, or others). Anyone have any recommendations?
How about GVAL
by Always passive
Fri Apr 27, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2774

Re: Ikea Quality

Garbage! For the short term.
I have 100 year old furniture that will stay in the family for another 100 years. My mother used to tell me that we are too poor to buy garbage that does not last. I only buy the very best and IKEA is certainly not.
by Always passive
Sun Apr 22, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9313

Re: Boglehead Philosophy Open To Change?

Like foreign investing was a no no a few years ago and now it is discussed often, new strategies are being introduced and I have no doubt that will become common as investing makes progress. The only two concepts that have stayed with me after so many years following the forum and I think that have ...
by Always passive
Sat Apr 21, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard multi-factor ETF blocked at Merrill Edge
Replies: 7
Views: 1181

Re: PSA: Vanguard multi-factor ETF blocked at Merrill Edge

Someone considering dropping VTI for the multi factor ETF?
by Always passive
Fri Apr 20, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3622

Re: Good Dad, Bad Dad [pay for son's driving expenses (or not)]

I may be in the minority, but my life philosophy, just like my father's, has been to help our children as much as possible. Not turn them into parasites, but if they put the effort, try their best, and still need, why not. As long as I can afford it, I cannot find anything that I enjoy more than hel...
by Always passive
Wed Apr 18, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8730

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Who knows what will happen in 10 years, let alone 50. I can list a long number of reasons why any plan intended to be good for 20, 30, etc., can fail. So, my opinion is that you are kidding yourself thinking that you can determine now that you are ok financially no matter what your numbers are and w...
by Always passive
Wed Apr 18, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 40
Views: 4880

Re: Tencent now largest non-US stock

I'm not sure how much we can trust anything reported about a Chinese company. They have the ability to fudge their numbers . How do you know? In today's world it seems you cannot trust anyone. How do you feel about US based companies? Better? That is the reason that diversification is the only save...
by Always passive
Sat Apr 14, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: How many of you have some developed international and EM indexed bond funds in your portfolio?
Replies: 22
Views: 1620

Re: How many of you have some developed international and EM indexed bond funds in your portfolio?

My stock portfolio has been for the past years 40/40/20 between US, DW ex US, and EM. This has been based on my believe in valuations, more specifically PE10 to judge long term performance.
Only time will tell if I am correct.
by Always passive
Thu Apr 12, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10456

Re: Wanting to leave Fidelity

Before you go through the effort of moving to another institution, make sure that you will get a better service. I have had my money at Fidelity for 25 years and I find their service exceptional.
by Always passive
Tue Apr 10, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 6023

Re: Factor Investing - I convincing article

5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. We do not live forever. Using decades to try to reach a conclusion is great for the academic world, but in the life span of an investor is a very long time. But that ...
by Always passive
Tue Apr 10, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 5645

Re: Retirees: Who's increasing their equities as they age?

I am retired and i think that have funded our (my wife and I) retirement with a ladder of TIPS and other bonds. I consider my equity portfolio to be inheritance to my daughter and grandchildren (since I assume I will not need these funds) and plan to let it grow without restrains. Except that I plan...
by Always passive
Sat Apr 07, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: Multi Factor Funds
Replies: 7
Views: 830

Multi Factor Funds

I have asked this questions a few times to this group, and I have yet to get a satisfactory answers. So I am trying again. This is for those that have an interest in the subject of factor investing and maybe even read Swedroe's book. A few years ago (I think 2015), MSCI came out with a bunch of mult...
by Always passive
Fri Apr 06, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Guggenheim's Scott Minerd's dire forecast for financial markets
Replies: 17
Views: 2085

Re: Guggenheim's Scott Minerd's dire forecast for financial markets

Nothing to be surprised here. Recessions are an integral part of the normal business cycle, thus unavoidable. The prediction then is 100% correct, not because he knows something we do not, but because recessions happen, and according to history, the next one should already have happened. It is not a...
by Always passive
Fri Apr 06, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 15713

Re: Swedroe: Look Beyond 60/40 Portfolio

It's really not clear exactly where "60/40" came from or what it is supposed to be optimizing. Indeed! I went down a deep rabbit hole a while ago trying to figure out the origin of 60/40. The best I could find was one article's implication that the world market capitalization of equity to debt at t...
by Always passive
Fri Apr 06, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 15713

Re: Swedroe: Look Beyond 60/40 Portfolio

Oops, I just started a second thread on the excellent article above. I strongly recommend this article, especially for those who have been critical of the recommendations in the past. It’s all about creating a much more efficient portfolio. A typical 60/40 portfolio has about 85% of its risk wrappe...
by Always passive
Sun Apr 01, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: In September I will turn 70. A question on rebalancing
Replies: 6
Views: 1011

Re: In September I will turn 70. A question on rebalancing

For ultimate simplicity, drop the “legacy” funds into LifeStrategy Growth (80/20) and “let’r ride”. That is what I am doing with our Roths (I am spending down my tIRA as needed for living expenses). I would certainly consider, but I live overseas and even as a US citizen I cannot purchase funds. I ...
by Always passive
Sat Mar 31, 2018 5:35 am
Forum: Investing - Help with Personal Investments
Topic: In September I will turn 70. A question on rebalancing
Replies: 6
Views: 1011

In September I will turn 70. A question on rebalancing

Following ideas that I have gathered in this forum, plus my own views of the world, a few years ago I developed a plan to fund my retirement; however, I do not know what to do with the equity side. Funding my retirement: Government bonds (TIPS) ladder to age 80. At that age if still around, I will l...
by Always passive
Thu Mar 29, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity at 80?
Replies: 9
Views: 1146

Re: Annuity at 80?

David Jay wrote:
Thu Mar 29, 2018 4:53 pm
You did not tell us your funding source. I am convinced that you can find a local insurance company who offers an immediate annuity if you are buying with cash.

I do not know the implications of using tax advantaged (USA) funds to purchase an annuity for an overseas resident.
Cash in an IRA
by Always passive
Thu Mar 29, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity at 80?
Replies: 9
Views: 1146

Re: Annuity at 80?

Thank you so much for the good information.
by Always passive
Thu Mar 29, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Annuity at 80?
Replies: 9
Views: 1146

Annuity at 80?

I am retired and have a government bond ladder until age 80. I have read here that it makes more sense to purchase an annuity at that age. Can someone enlighten me on why? Where can I get information on the logic? What sort of annuity and which companies offer it? Can I purchase one as a US citizen ...
by Always passive
Tue Mar 27, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6419

Re: Concerns with Vanguard

I have no experience with Vanguard, but I have a Fidelity account for 30 years where all my assets are kept. I hold all types of investments, from Vanguard to Pimco ETFs, to individual CDs and TIPS, and they have been absolutely perfect. Never have I had a problem with them. At the same time I have ...
by Always passive
Sun Mar 25, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8321

Re: How old were you when you started spending your “principal”?

I retired at 55, 15 years ago. My capital was going up until 2008, when it fell enough. Since then it has gone up again, but very slowly, and my capital today is a bit larger than the one I started, but not by much. I suppose that in real terms it may be a bit lower, I just do not know. I have never...
by Always passive
Sat Mar 24, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting principal with no risk: seeking validation Im not crazy or stupid
Replies: 31
Views: 3603

Re: Protecting principal with no risk: seeking validation Im not crazy or stupid

The question that many investors ask is what to do when all looks too expensive. Selling and waiting for better times, like you have done, has proven to be the wrong answer. As many investors that have tried to play the active game of timing their sells and buys and more often than not have failed m...
by Always passive
Sat Mar 24, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 172
Views: 47451

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

Absurd. I have plenty of I-bonds and still have worries. One of those worries is that I-bond returns have been ghastly since 666 vs. SPX. Over that period—by now a rather extended period—which investment has done a better job of inflation protection? Perhaps the next decade will see better results ...
by Always passive
Sat Mar 24, 2018 2:51 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation
Replies: 172
Views: 47451

Re: Grok's Tip #8:Retire Worry-Free with TIPs as a foundation

Absurd. I have plenty of I-bonds and still have worries. One of those worries is that I-bond returns have been ghastly since 666 vs. SPX. Over that period—by now a rather extended period—which investment has done a better job of inflation protection? Perhaps the next decade will see better results ...
by Always passive
Thu Mar 22, 2018 1:37 am
Forum: Investing - Theory, News & General
Topic: the 10 year treasury, inflation, and the FED - Question
Replies: 6
Views: 722

the 10 year treasury, inflation, and the FED - Question

This morning I read an article in the WSJ that summarizes the press conference of Powell, the Fed chairman. The article states that the Fed plans to increase Fed rates through 2020 and reach a target between 3 and 3.5%. For those that have WSJ subscriptions: https://www.wsj.com/articles/fed-raises-r...
by Always passive
Wed Mar 21, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: iShares Corporate Bond Ladder
Replies: 3
Views: 493

iShares Corporate Bond Ladder

Does anyone use the series of iShares Corporate Bond ETFs (iBonds) and build a ladder as part of the fixed income portfolio? I am tempted being retired.
Comments?
by Always passive
Wed Mar 14, 2018 2:30 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. total world stock + bond fund
Replies: 20
Views: 2526

Re: 3 fund portfolio vs. total world stock + bond fund

Has anyone given any thought to the iShares multi factor world ETF (ACWF)?
by Always passive
Tue Mar 13, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. total world stock + bond fund
Replies: 20
Views: 2526

Re: 3 fund portfolio vs. total world stock + bond fund

The only true advantage of owning 2 funds versus one is if you are interested in applying different allocations to US versus International. If you are comfortable with the allocation offered by the total world fund, I would go with one fund since it has the advantage of self rebalancing.
by Always passive
Fri Mar 09, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7370

Re: REITS and Swedroe

I believe Larry isn't too fond of REITs these days. The reason they correlate with stocks poorly is that they're high dividend, and typically small-cap value stocks. Thus, they have a lot of exposure to the size, value, and term premiums. Account for all those, and REITs are really nothing special....
by Always passive
Thu Mar 08, 2018 2:18 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7370

REITS and Swedroe

I just finished reading Swedroe's book on alternatives (2008) and wonder why the 3 fund portfolio does not include REITs. I understand that in the stock indexes there is a REITs component, but is it enough? Swedroe seems to like REITs (suggests up to 15% of the portfolio equity portion), not only US...
by Always passive
Wed Mar 07, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Why plumbers are so expensive?
Replies: 15
Views: 1576

Re: Why plumbers are so expensive?

We have a slight leak at the water pressure regulator outside. Not too much, a drop every minute or so. I want to fix it before the problem becomes bigger. So I called a plumber and he said the regulator is really old and needs to be changed. Quote is $700 for parts and labor! I checked on home dep...
by Always passive
Tue Mar 06, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Irish ETFs taxes on US equity dividends
Replies: 17
Views: 1644

Re: Irish ETFs taxes on US equity dividends

Israel you ONLY pay taxes on capital gains and ONLY after you have sold the investmeht. For those that live in countries with a tax system like Israel and do not intend to sell the investment for a long time, accumulating ETFs are very attractive. That sounds handy. In the UK, you only have to pay ...
by Always passive
Tue Mar 06, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Irish ETFs taxes on US equity dividends
Replies: 17
Views: 1644

Re: Irish ETFs taxes on US equity dividends

The US taxes 15% no matter whether they are distributing or accumulating and Israel has a 25% tax, but it seems to me that accumulating ETFs do not report dividends. Thus, How would then an accumulating ETF work? Some countries have lower tax rates for capital gains than for dividends. And some cou...
by Always passive
Mon Feb 19, 2018 2:48 am
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 4289

Re: I reduced my exposure to US stocks before the correction.

I'm a huge fan of this forum! My portfolio has been pretty conservative for my age (I'm 43yo): 50/50. I've found the books written by John Bogle incredibly inspiring, clear and well written. I know that Mr. Bogle is not a fan of investing in overseas market because US companies do make money abroad...