Search found 1249 matches

by Angst
Wed Feb 10, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: New to the site
Replies: 17
Views: 989

Re: New to the site

4) in my opinion your asset allocation of 75% stocks and 25% bonds, with 1/3 of stocks in international is within the range of what is reasonable. So that would be -- 50% Fidelity Spartan Total Market Index Fund 25% Fidelity Spartan Global X-U.S. Index Fund 25% Fidelity Spartan U.S. Bond Index Fund...
by Angst
Tue Feb 09, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: iBond buying strategy: One Lump or Multiple Buys?
Replies: 33
Views: 1806

Re: iBond buying strategy: One Lump or Multiple Buys?

Minimizing the number of purchases makes a lot of sense to me from a record-keeping point of view. I haven't considered I Bonds to be a compelling long-term investment for the last few years given the current interest/inflation rate environment and the various fixed income alternatives out there, bu...
by Angst
Sun Feb 07, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard International High Yield Fund
Replies: 8
Views: 603

Re: Vanguard International High Yield Fund

These are not HY bond funds, they are dividend funds:

https://personal.vanguard.com/us/insigh ... t-T-092015

The were supposedly going to be available this past December.
by Angst
Sat Feb 06, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 129
Views: 14380

Re: QSPIX Nightmare - Closed Off to Retail Investors

^ +1
The strict exclusion of retail investors (excepting a certain level of high-dollar investors) might sidestep potential problems if regulation regarding leverage in funds is tightened, as has already been discussed.
by Angst
Thu Feb 04, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 25
Views: 1384

Re: Charities for Bogleheads?

by Angst
Thu Feb 04, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 4421

Re: If SS covers expenses why invest?

C'mon! Is not one of the most important items on most people's list Uncertainty about the future? Accidents, illness, unplanned________ (you fill in the blank... many possibilities), SS (potentialities we won't get into)..., inflation, deflation, Armageddon... One can go on and on here. If you're su...
by Angst
Thu Feb 04, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5327

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

> 100%, if I work & delay SS until 70.
>/= 100% if I work until 65 and delay SS until 70.

I expect to retire before 65, so calculations are on-going, but I anticipate delaying SS until 70 and expect SS (and a small pension) to cover close to 100% at that point. Thank goodness for SS.
by Angst
Sun Jan 31, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: Zero Interest Rates on I-Bonds
Replies: 28
Views: 4007

Re: No I Bond Interest Until May 1, 2016?

Who is the Boglehead that created the charts and calculator? He ( #Cruncher ) already posted early on in this thread, right here . https://www.bogleheads.org/forum/viewtopic.php?f=10&t=170745&newpost=2782993#p2574476 Here's his website: http://eyebonds.info/ibonds/index.html Be sure to expl...
by Angst
Fri Jan 29, 2016 6:07 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 129
Views: 14380

Re: QSPIX Nightmare - Closed Off to Retail Investors

Has anyone done an in-kind transfer of an AQR fund to Vanguard? More to the point, has anyone purchased additional shares of an AQR fund at Vanguard? I don't think I've ever seen "Vanguard" used in the same sentence with "I bought Q...", but neither have I seen this categorically...
by Angst
Wed Jan 27, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3258

Re: Treasury Direct is a waste of time... Not!

Interesting problem, one I don't have! :shock: I don't recall ever reading here about people using TD as their place for holding Treasury instruments other than Savings Bonds, and I haven't looked into it. I know you can buy them at auction there, so of course you must be able to sell them too. But...
by Angst
Wed Jan 27, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3258

Re: Treasury Direct is a waste of time

Why do you want to transfer your bonds to TD? (Unless you're referring to I/EE "bonds"? But those you can't "transfer... back to VG brokerage".) Hi, Well SIPC insurance is only good thru $500,000 otherwise you have to go thru a couple brokers for SIPC insurance. This Lloyd's of ...
by Angst
Wed Jan 27, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3258

Re: Treasury Direct is a waste of time

The thing I'm afraid to start doing is...OK, you transfer your bonds to TD. Option to sell is available but at what price ? Otherwise transfer the bonds back to VG brokerage and sell. I don't even know if that is allowed. The only thing I would ever consider using TD for is buying/selling my series...
by Angst
Wed Jan 27, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 44
Views: 3258

Re: Treasury Direct is a waste of time

I'm sorry to hear about your problems, but my experiences with TD over the years have been entirely the opposite. It IS a convoluted login process, but I think it's a very secure website and generally well-run. I've purchased I bonds and EE bonds through it for 6 years, if I recall correctly, and ha...
by Angst
Tue Jan 26, 2016 7:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6303

Re: Where is YDNAL?

Since we are going to memory lane I miss "Bobsnotmyname" or something like that. He had his own site as well. I think the may have passed on as his site came down suddenly and stopped on here at the same time. I thought I saw read something written by "Bob's not my name" just a ...
by Angst
Tue Jan 26, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9394

Re: What is your favorite Financial Quote or Metaphor??

bertilak wrote:
Angst wrote:Caveat emptor.

Quidquid latine dictum sit, altum sonatur.
-- Ignotus

Oh, alright! There's always English to get the point across to the hoi polloi:

"Buyer beware!"
by Angst
Sat Jan 23, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5015

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I'm a long-time Turbo Tax user but I'm trying out the $15 Tax Act deal this year, for two reasons: 1) Price 2) Turbo Tax has bugged me by how they have segmented their market by how willing you are to pay for ease of use and support. I could get all the forms I need with the basic version of TT, but...
by Angst
Thu Jan 21, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying 10 year TIPS tomorrow?
Replies: 19
Views: 1605

Re: Anyone buying 10 year TIPS tomorrow?

Here are a couple of benefits of buying individual securities as I see it ... 1) You can save .20% in expense ratio. 2) You can control your duration based on your own circumstances. 3) You can have a fixed maturity date in which you get your principal back. 4) Avoid manager risk (although VIPSX is...
by Angst
Thu Jan 21, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3600

Re: Vanguard Store Items

livesoft wrote:I bought a mug for the administrator of my spouse's employer 401(k) plan, but she won't give it to him.

Maybe this should be slipped into the Wiki "How to Campaign for a better 401k..." page. :idea:
by Angst
Wed Jan 20, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 3171

Re: TaxAct Plus Federal + State - $15!!

I'd bite, but the website is down right now. :(

[edit] It came back up after about 10 mins, and I signed up. Thanks for the link. :beer
by Angst
Wed Jan 20, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying 10 year TIPS tomorrow?
Replies: 19
Views: 1605

Re: Anyone buying 10 year TIPS tomorrow?

This may be obvious to most, but you don't have to purchase all of your Jan 2016 10-yr TIPS now; they are also available at auction in March and in May. And then you can also purchase the Jul 2016 10-yr TIPS at auction in Jul, Sep and Nov. I buy mostly 30-yr TIPS but also purchase some 10-yr, though...
by Angst
Tue Jan 19, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: Tomorrows Market Open?
Replies: 37
Views: 4807

Re: Tomorrows Market Open?

livesoft wrote:Examples to look at:
http://www.investing.com/indices/indices-futures

Hey, thank you for the link. It's much better than the Bloomberg, CNN, etc links that I'll routinely pull up.
by Angst
Wed Jan 13, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: Is the Powerball a good play?
Replies: 48
Views: 3055

Re: Is the Powerball a good play?

The dry math is too public for me to care too much about figuring out, but there's no denying that I've reaped more than $2 worth of enjoyment out of the ticket I purchased yesterday. The drawing's yet to come and I continue to book dividends of amusement and fun out of it all. I can't lose!
by Angst
Mon Jan 11, 2016 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard russell 1000?
Replies: 7
Views: 768

Re: vanguard russell 1000?

Does Vanguard have a fund that tracks the Russell 1000? I see a fund for institutions with a minimum of 5 million. :moneybag I can't find the extra 4.9 million to meet the minimum Closest fund I see is the large cap index fund? Perhaps you may want to look into Vanguard's semi-secret listing of it'...
by Angst
Mon Jan 11, 2016 11:29 pm
Forum: Investing - Theory, News & General
Topic: AQR Statement Regarding SEC Derivatives Proposal
Replies: 2
Views: 382

Re: AQR Statement Regarding SEC Derivatives Proposal

. May be of interest to some: https://funds.aqr.com/news/aqr-statement-regarding-sec-derivatives-proposal . Thanks Robert T, it does interest me, but there's not much here to go on. How opaque can AQR be? I suppose I could look to the SEC for more information. I do remember reading sometime, maybe ...
by Angst
Mon Jan 11, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Why such small holdings in some Index funds?
Replies: 4
Views: 465

Re: Why such small holdings in some Index funds?

Probably a few shares of holdings that they got stuck holding the bag on. Rentech still trades, but it's a penny stock that had to do a 1/10 reverse split in July. Piksel took themselves private in 2013. This, and I suspect they're simply not worth the bother; perhaps it would cost more to get them...
by Angst
Sun Jan 10, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Has it been a crash every 7-10 years?
Replies: 22
Views: 3243

Re: Has it been a crash every 7-10 years?

Yes, you're right! I left out 2008 :oops: It's table 12-4, p. 150, 2010 Ibbotson SBBI Classic Yearbook, "Largest Declines in U.S. Stock Market History (in real total return terms, from January 1871 to June, 2009." The 2008 decline wasn't in there because it wasn't over yet :oops: The tabl...
by Angst
Thu Jan 07, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: VOO as a % of SP500 index
Replies: 29
Views: 1643

Re: VOO as a % of SP500 index

Doesn't this answer the OP's question/observation? And in addition, if the market had been trending downward for a long period of time, wouldn't the bias be negative rather than positive? Well, that is what I proposed earlier in the thread. The S&P 500 Index has about a 2% dividend yield. With ...
by Angst
Thu Jan 07, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: VOO as a % of SP500 index
Replies: 29
Views: 1643

Re: VOO as a % of SP500 index

I think that is badly phrased and probably incorrect. Otherwise, why would any fund pay out dividends? They would be doing a disservice to their shareholders by making them pay higher taxes. I think what it means to say is that a fund collects dividends from its holdings, then reinvests them in the...
by Angst
Tue Jan 05, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: TIPS Fund is Getting Hammered!
Replies: 71
Views: 8472

Re: TIPS Fund is Getting Hammered!

Because there seems to be many TIPS apologists among Bogleheads, I think abuss likes to chide them. Slowmoney is NOT a TIPS apologist. 1. Many TIPS apologists state that TIPS are inflation insurance/protection. Let’s see... [snip] ...[snip] As many posters have state correctly. BONDS ARE FOR SAFETY...
by Angst
Wed Dec 30, 2015 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 2881

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

Phineas J. Whoopee wrote:
Edna St. Vincent Millay wrote:I shall go back again to the bleak shore.... [snip]

Grey works for me.

PJW

Works for me too. Thanks PJW. Certainly unexpected, but a nice diversion, if it's alright to call it that... So, what were we talking about? Nothing really I want to think about anymore, for now.
by Angst
Wed Dec 30, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 74
Views: 7043

Re: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open

Angst, I didn't check how well the funds track, and the expense ratios are definitely not that great, but could be worse. TINRX - TIAA-CREF Equity Index Fund Retail Class has an expense ratio of 0.36% and has trailed VTSMX - Vanguard Total Stock Market Index Fund Investor Shares by by 0.3% over the...
by Angst
Wed Dec 30, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2710

Re: Bond Allocation Help: Too Many I-Bonds?

I don't understand the enthusiasm for I bonds. Ours are currently paying 0%. Is there a good reason not to redeem them and look for a replacement paying SOMETHING? Even a Discover Bank savings account paying 0.95%? If your I Bond(s) currently paying 0% have already booked at least 3 of their 6 mont...
by Angst
Tue Dec 29, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open
Replies: 74
Views: 7043

Re: AQR Style Premia Alternative (QSPIX) to close; AQR Style Premia Alternative II to open

Z, Depending on how much you intend to invest, I would consider using a mutual fund offered commission free through Scottrade. They have several index funds that are available with no transaction fee, $100 minimums, no load, and relatively low expenses. If you tend to exchange more than $2000 at a ...
by Angst
Sun Dec 27, 2015 9:07 pm
Forum: Investing - Theory, News & General
Topic: Is Smart-Beta tilting just a marketing ploy?
Replies: 117
Views: 5555

Re: Is Smart-Beta tilting just a marketing ploy?

...I was listening to an interview with Cliff Asness the other day ( I think it was Barry Ritholtz' podcast). Asness said that over the long term, pretty much any stock portfolio construction would work better than market cap weighted, including simply picking any 100 stocks at random and equal wei...
by Angst
Sun Dec 27, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: A little about Larry S
Replies: 51
Views: 7051

Re: About a little Larry S...

That's a great story Larry, and it actually fits right in with the thread title, sort of... And from looking at the photo, it seems to me that even as a toddler you were already exercising those market analysis skills!
by Angst
Sat Dec 26, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2710

Re: Bond Allocation Help: Too Many I-Bonds?

The primary, albeit small problem I have with I Bonds (and EE bonds and non-brokered CDs as well) is that when it comes to protecting one's portfolio from its equity exposure (as well as providing re-balancing opportunities), this kind of fixed income has less "octane" than a fixed income ...
by Angst
Wed Dec 23, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3425

Re: What do you think of 5 year TIPS?

0.50% is a lot higher than the current I Bond 0.10% Indeed, but the I-Bond has a number of advantages, one being protection against value decreases, and (for taxable accounts) tax deferral. Yes, indeed²! I Bonds : TIPS is a lot like apples : oranges. I Bonds also have that education thing going on....
by Angst
Wed Dec 23, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3425

Re: What do you think of 5 year TIPS?

0.50% is a lot higher than the current I Bond 0.10%
by Angst
Tue Dec 22, 2015 9:35 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 156
Views: 9770

Re: Large Energy stocks - why not?

Listen to today's "On Point" with Tom Ashbrook for more than enough good reasons "why not":

http://audio.wbur.org/download.php?url= ... icture.mp3
by Angst
Fri Dec 18, 2015 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Active funds some/many Bogleheads love
Replies: 47
Views: 3158

Re: Active funds some/many Bogleheads love

Now that I think of it, my largest commitment to active management is almost the entire fixed income portion of my investment portfolio. That's because I'm the manager and I mix a growing TIPS ladder along with a collection of CD's, I Bonds and EE Bonds and some of Vanguard's ST Bond Index Fund. Hmm...
by Angst
Fri Dec 18, 2015 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Active funds some/many Bogleheads love
Replies: 47
Views: 3158

Re: Active funds some/many Bogleheads love

I've owned a small (1% of portfolio) amount of PRIMECAP's Odyssey Aggressive Growth Fund (POAGX) since prior to my joining Bogleheads. It's performed well and it's an indulgence I'll probably continue to hold as long as it's performing as well as it is. (That's a potential dilemma, but up to now I c...
by Angst
Thu Dec 17, 2015 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: EE Bonds for Long-Term Savings Vehicle
Replies: 29
Views: 1781

Re: EE Bonds for Long-Term Savings Vehicle

I guess I'm conservative and I'm very big on diversification; and I just don't know for sure that 10 years from now, 10 yr CD rates won't have fallen to 2.5%
by Angst
Thu Dec 17, 2015 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: EE Bonds for Long-Term Savings Vehicle
Replies: 29
Views: 1781

Re: EE Bonds for Long-Term Savings Vehicle

I was an early very vocal cheerleader for I Bonds and TIPS when the REAL rates on I Bonds were as high as 3.0, 3.3, 3.4 and 3.6%. I'm probably responsible for selling more I Bonds than any single individual. I was also recommending TIPS when the REAL rate was as high as 4.25%. So recommending EE Bo...
by Angst
Thu Dec 17, 2015 3:25 pm
Forum: Investing - Theory, News & General
Topic: Fed raises FFR [Federal Funds Rate] 0.25% as expected
Replies: 60
Views: 5477

Re: Fed raises FFR [Federal Funds Rate] 0.25% as expected

<snip>... If you want to quickly benefit from the Fed rate hike, you may have to move your money to the few banks and credit unions that are following the Fed. I saw news reports that several banks have increased borrowing rates but not deposit rates, which supports Ken's thoughts in the first para...
by Angst
Wed Dec 16, 2015 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Scottrade - I don't think I need both anymore...
Replies: 30
Views: 1623

Re: Vanguard vs. Scottrade - I don't think I need both anymore...

I reopened my dormant Scottrade brokerage account earlier this year in order to gain access to QSPIX. I had no complaints before; I closed my acct several years ago to consolidate at Vanguard, but in reopening my account I've had no problems on Scottrade's end of things with Roth transfers and so fo...
by Angst
Tue Dec 15, 2015 3:59 pm
Forum: Investing - Theory, News & General
Topic: Check-In on Emerging Market Sentiment
Replies: 57
Views: 4776

Re: Check-In on Emerging Market Sentiment

Anybody got a 4th EM ETF suggestion in case I need to get out of this in the next couple of weeks? PXH POWERSHARES FTSE RAFI EMERGING MARKETS ETF 0.49% ER If you're trying to match the other suggestions, this is NOT small cap. It is quite valuey though, if you like that. http://portfolios.morningst...
by Angst
Sat Dec 12, 2015 9:50 am
Forum: Investing - Theory, News & General
Topic: QSPIX Nightmare - Closed Off to Retail Investors
Replies: 129
Views: 14380

Re: QSPIX Nightmare - Closed Off to Retail Investors

Just to corroborate Oliver's reported success, I too purchased additional shares of QSPIX at Scottrade at the end of this week. They're open for business.

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