Search found 1405 matches

by Angst
Tue Sep 27, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 91
Views: 7126

Re: Trader Joe's Fans - good value?

I continue to be bothered that they have no Express lanes. The bell system is not a substitute. Ours added one recently, and I use it! Perhaps there's hope for you. My frequent purchases include: tofu yogurt almonds, walnuts cheeses - great values with certain brie/blue cheeses cold water crackers ...
by Angst
Tue Sep 27, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 82
Views: 10514

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

et tu, #Cruncher? Alas, I've already said pretty much all I can come up with in regards to both the OP and the various responses: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=199723#p3057574 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=199723#p3057690 https://www.bogleheads...
by Angst
Sat Sep 24, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 82
Views: 10514

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

Second, if you are in a position that you are certain you are not exposed to the risk of having to access the funds represented by the EE savings bonds in less than 20 years there are a myriad of instruments better suited as long term investments for someone in that secure of a financial position t...
by Angst
Wed Sep 21, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds now or in November?
Replies: 4
Views: 830

Re: I-Bonds now or in November?

It's definitely just a hunch, but I'd wait until November to see if they might bump the fixed rate from .1 to .2%. I don't imagine it going to zero, but I can imagine it going up a notch, given the Fed's/Yellen's inclinations and the idea that Treasury is inclined to follow/support this. Just a hunc...
by Angst
Tue Sep 20, 2016 10:38 am
Forum: Investing - Help with Personal Investments
Topic: LT Treasury Zeros: ETF or Individual Bonds
Replies: 6
Views: 434

Re: LT Treasury Zeros: ETF or Individual Bonds

I'm going to commit part of my bond portfolio to LT Treasury Zeros for deflation protection. Any reason to buy an ETF such as VG EDV which tracks the Barclays U.S. Treasury STRIPS 20–30 Year Equal Par Bond Index instead of just buying 30-year zero coupon treasury bonds directly? EDV is very conveni...
by Angst
Sun Sep 18, 2016 7:25 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 82
Views: 10514

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

EE Bonds in the present interest rate environment are still not as safe as TIPS, but they're worth considering, for someone wanting to commit to creating a future supplement to their basic, guaranteed income floor of social security, pensions, SPIA's and the like 20 years from today, and maybe 20 y...
by Angst
Sun Sep 18, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 82
Views: 10514

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

The EE Bond's effective rate of 3.53% easily exceeds recent inflation. According to the Minneapolis Fed , the last year when annual inflation was higher than 3.53% was in 2008 when it reached 3.8%. Prior to that, you have to go all the way back to 1991, 25 years ago when inflation hit 4.2% No guaran...
by Angst
Sun Sep 18, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 82
Views: 10514

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

My problem with Kevin's, TimeLord's and others' observations is that they are effectively looking at the EE Bond choice as presented in the article as a choice of funds allocation within the fixed income side of their entire Bonds/Equity portfolio. This is not the way it has been presented in the ar...
by Angst
Sat Sep 17, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

Doc wrote:
Angst wrote:Yikes! Of course, you're right.
I'm afraid that when I'm thinking about "TIPS", my tunnel-vision brain sees nothing but the 30-yr variety.

And mine sees everything but the 30-yr variety. We should talk more. :D

I dunno Doc! You know about matter and anti-matter... :shock:
by Angst
Sat Sep 17, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 2231

Re: My bond portfolio - Comments

Hi Erwin, If this retirement portfolio plan is something that you've held on to already for a good while and not one of a series of changes, I see no big reason to change anything. I gather you're rolling the 5-yr ladder indefinitely? If so, I guess you've rationalized the overall portfolio fairly w...
by Angst
Sat Sep 17, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

TIPS auctions are held every year in February (the third Thursday?) and they are "re-opened" in June and October. You are correctly describing the schedule for 30 year TIPS. 10 year TIPS are auctioned six months of the year. 5 year TIPS are auctioned 3 times a year. Yikes! Of course, you'...
by Angst
Fri Sep 16, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

At which brokerage firm do you have account that you can buy individual treasuries at auction for free in retirement account? Fidelity You can add Vanguard to that list. where in Vanguard do I find TIPS auctions? thank you First, you have to already have a brokerage account set up at Vanguard. If y...
by Angst
Fri Sep 16, 2016 8:43 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 192
Views: 12650

Re: "Factor investing"

Cliff Asness has a great sense of humor. Apparently, so does Larry's co-author! Larry's knack for telling an appropriate anecdote is maybe his talent I most admire. Anyhow, here's Larry's post with Cliff's title recommendation.
by Angst
Fri Sep 16, 2016 7:05 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

FIREchief wrote:
Hector wrote: At which brokerage firm do you have account that you can buy individual treasuries at auction for free in retirement account?

Fidelity

You can add Vanguard to that list.
by Angst
Fri Sep 16, 2016 4:13 pm
Forum: Investing - Theory, News & General
Topic: Nisiprius Investments Unveils New MDF Factor-Based Fund
Replies: 44
Views: 2980

Re: Nisiprius Investments Unveils New MDF Factor-Based Fund

saltycaper wrote:If you attempt to troll and nobody bites, but instead further extends the troll, is it still a troll?

Stop nibbling! Leave Nisi to his sandbox.
by Angst
Fri Sep 16, 2016 4:07 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Appearance - You're Invited
Replies: 13
Views: 1825

Re: Jack Bogle Appearance - You're Invited

Hmm, not sure what to tell you. Here's the website: https://www.breakingthroughpower.org/ I was there just a couple minutes ago. It has all the speakers, Jack Bogle, 4 dates the end of September, the nifty, retro red circle logo in the upper left hand corner, etc. I wonder if your computer is fighti...
by Angst
Fri Sep 16, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Appearance - You're Invited
Replies: 13
Views: 1825

Re: Jack Bogle Appearance - You're Invited

I went to the referenced web site, clicked "Join Us" and got a message that no tickets are available. Victoria Victoria, I'm not sure if it's because I clicked the "Buy Tickets" link at the top of the page rather than the "Join Us" one, but either way, it looks like th...
by Angst
Wed Sep 07, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Interesting new study on time series momentum and crises
Replies: 39
Views: 2321

Re: Interesting new study on time series momentum and crises

I found the following comparison that Larry gave a couple weeks ago of time series vs. cross sectional momentum to be helpful: just to straighten it out Cross Sectional MOM is RELATIVE momentum, going long the best performing (typically top 30%) and short the worst performing 30% in the asset class....
by Angst
Tue Sep 06, 2016 9:06 pm
Forum: Investing - Theory, News & General
Topic: My take on the passive investing is worse than Marxism
Replies: 24
Views: 3847

Re: My take on the passive investing is worse than Marxism

http://www.etf.com/sections/index-investor-corner/swedroe-passive-investing-wont-break-market IMO a new low by desperate industry. I hope you find it of interest. Larry To be fair, the link in Larry's etf.com article only goes to a Bloomberg review of the Bernstein & Co. report titled “The Sile...
by Angst
Tue Sep 06, 2016 8:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone using EE Bond Doubling for Retirement Planning?
Replies: 10
Views: 1505

Re: Anyone using EE Bond Doubling for Retirement Planning?

Yes, they've been covering some of the 20-year rungs in a ladder I've been building that would ideally be covered with 30-year TIPS. I sent you a PM.
by Angst
Tue Sep 06, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: My take on the passive investing is worse than Marxism
Replies: 24
Views: 3847

Re: My take on the passive investing is worse than Marxism

http://www.etf.com/sections/index-investor-corner/swedroe-passive-investing-wont-break-market IMO a new low by desperate industry. I hope you find it of interest. Larry To be fair, the link in Larry's etf.com article only goes to a Bloomberg review of the Bernstein & Co. report titled “The Sile...
by Angst
Mon Sep 05, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

I should think that reducing volatility plays a prominent role in helping to improve both the turbulence and overall performance of HMS Vanguard in the Battle for the Straits of Hormuz. HMS? Are we fund holders going to be taxed by the EU? :) Jack Bogle is one of my favorite anglophiles. I'd includ...
by Angst
Mon Sep 05, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

I'm not sure what you mean by "holding bonds as ballast against the equity side of a portfolio", other than the use of the word ballast has implications that you think it only functions as a drag on returns. I would say I plan to hold TIPS to reduce the overall volatility of my otherwise ...
by Angst
Sun Sep 04, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

Yes, but that's an individual TIP. Your question I replied to was about a TIPS fund vs international bond fund. I'm sorry, you're right - I was just beginning to edit my post having thought more about this. Buying a TIPS fund kinda makes my head spin. I believe you lose some precision, some control...
by Angst
Sun Sep 04, 2016 5:05 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

I'm not seeing the income risk - in order to maintain purchasing power, the inflation adjustment must be reinvested. The coupon, separate from the inflation adjustment, could be spent or re-invested. This is fundamentally different than a nominal bond that only has one of these income streams - the...
by Angst
Mon Aug 29, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8892

Re: Fidelity competing harder w/Vanguard

Good for Fidelity, and good for the industry. But as far as my Vanguard VTI holdings go... this new ER is pretty much a yawn. I suggest one forget the minuscule difference in ER's and consider the bottom line, i.e. the funds' performance: http://i63.tinypic.com/250ufx3.png Fidelity's ER could be 0.0...
by Angst
Sat Aug 27, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

None of these numbers make a whole lot of sense to me. I don't belive that the difference between the "hold to term" total return of TIPS vs. nominal Treasuries can be ascertain beforehand to any degree of reliability. My philosophy is if you want a long term low risk LMP or have a high p...
by Angst
Thu Aug 25, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 391
Views: 43115

Re: TIPS - Did you give up?

How great is the risk of unexpected inflation today ? I believe for the most part we are not hitting the Feds target rates correct? It feels like there are many inflation watchers and Hawks that I am not sure the risk is the same as the 70s and early 80s. Over time a large allocation to TIPS could ...
by Angst
Thu Aug 25, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value Stewardship Risk in Taxable
Replies: 17
Views: 1481

Re: Small Cap Value Stewardship Risk in Taxable

[snip...] However, one risk that is tripping me up as my taxable accounts grow is stewardship risk. As an example, I now have small positions in VWO and VSS in taxable. I've wanted to direct new money into Powershares FTSE RAFI etf's, or perhaps the Schwab equivalents, but I can't quite bring mysel...
by Angst
Wed Aug 24, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: iShares iBond Ladder to Fund Income Shortfalls in Retirement
Replies: 7
Views: 659

Re: iBond Ladder to Fund Income Shortfalls in Retirement

Hey, welcome to the website! Listen, you need to go in and edit your first post. No one at the bogleheads website is going to think your thread is about anything but building a ladder full of "I Bonds", aka "US Govt Series I Savings Bonds"! - Change the Subject heading - eliminat...
by Angst
Wed Aug 24, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: TIPS ladder - Have experience?
Replies: 11
Views: 914

Re: TIPS ladder - Have experience?

My experience with TIPS represents the other side of the coin bearing Nisi's image. I've been using Vanguard's brokerage ever since they cut the minimum auction purchase from $10,000 to $1,000 w/ no fee charged. I will never have to deal with any of those tax details because I own them in my IRA. Th...
by Angst
Tue Aug 23, 2016 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs, I've read the posts, still confused
Replies: 20
Views: 1098

Re: TIPs, I've read the posts, still confused

No, I don't think there's a real consensus. But I can try and give you an idea about when I feel they are appropriate for my situation. +1 Holding just the Total Bond Market (TBM) fund is convenient for re-balancing purposes. From my personal standpoint , this (re-balancing) is one of the two thing...
by Angst
Tue Aug 23, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: Long‑Maturity TIPS in Retirement Portfolios
Replies: 3
Views: 453

Re: Long‑Maturity TIPS in Retirement Portfolios

Long maturity TIPS do eliminate inflation risk but in a rising interest rate environment where bond yields may be increasing faster than inflation their principal value declines in proportion to their duration just like nominal bonds do. If you can live off the real yields generated by TIPS [snip.....
by Angst
Tue Aug 16, 2016 2:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 70
Views: 8110

Re: Vanguard upgrading to Brokerage account comes with some nuisances

A couple observations having just executed my first transaction in my newly upgraded Roth IRA brokerage/mutual fund account: 1) When I go to the "Order Status" tab I see a new choice I'd never been given before when either exchanging between or outright purchasing shares in Vanguard mutual...
by Angst
Sat Aug 13, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis on Wealthtrack.com tonight. Link provided.
Replies: 14
Views: 1702

Re: Charles Ellis on Wealthtrack.com tonight. Link provided.

Great stuff. Charlie Ellis is a good person.
by Angst
Wed Aug 03, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: What is the purpose of a Long/Short Equity Fund fund like AQR QLERX?
Replies: 49
Views: 2636

Re: What is the purpose of a Long/Short Equity Fund fund like AQR QLERX?

Like I said, a lot of alt funds benchmark against 3 month T-bills. It's a thing. Also a relatively easy target to beat... though many don't. What would a standardized index look like? How many other funds have comparable positions and strategies, all put together? I don't think a benchmark for a ca...
by Angst
Tue Aug 02, 2016 11:14 am
Forum: Investing - Theory, News & General
Topic: What is the purpose of a Long/Short Equity Fund fund like AQR QLERX?
Replies: 49
Views: 2636

Re: What is the purpose of a Long/Short Equity Fund fund like AQR QLERX?

[big snip]... Then why does VMNFX exist? My guess is that it is primarily for funds or other institutional investors, who can't really deposit a couple hundred million at their local credit union. For those investors that can't use savings accounts or CDs, VMNFX offers the potential of slightly hig...
by Angst
Tue Aug 02, 2016 10:27 am
Forum: Forum Issues and Administration
Topic: IP address change [Server may go "offline"]
Replies: 9
Views: 756

Re: IP address change

ditto!
by Angst
Mon Aug 01, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another pension question...
Replies: 12
Views: 1077

Re: Yet another pension question...

If eg. your pension is simply based upon your average earnings over the last 5 years, rather than the 5 highest years (as midareff speculated about ), sometimes "the last 5 years" can actually be lower , 1 year from now: If, for example, you had one outlier, boon year, 5 years ago, that co...
by Angst
Wed Jul 27, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 454200

Re: What Book Are You Currently Reading? Part VI

Just finishing the duology I, Claudius and Claudius the God by Robert Graves. The first was quite good, the second a bit more meandering but I think I'm just tiring of the subject/voice after two reasonably sized books. I too read both of these a year or so ago and found them quite interesting. (I ...
by Angst
Wed Jul 27, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 454200

Re: What Book Are You Currently Reading? Part VI

Just finished "Classic Feynman". A collection of vignettes from a wonderful, amazing character. Nobel laureate, iconoclast, irrepressible questioner: Richard P. Feynman, an MIT/Princeton trained Los Alamos theoretical physicist, Cal Tech professor, Challenger space shuttle investigator, on...
by Angst
Wed Jul 27, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: Revisiting Dr. Bernstein on REITs
Replies: 29
Views: 3377

Re: Revisiting Dr. Bernstein on REITs

Here's the original thread:
viewtopic.php?f=10&t=115965

I've sat tight over the last 3 years with my 6% allocation, split between US and Int'l REITs, rebalancing out mostly, a couple times fairly recently. Not a huge commitment here, admittedly. No complaints.
by Angst
Tue Jul 12, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Short Bond Index Funds - High Turnover.
Replies: 14
Views: 1149

Re: Short Bond Index Funds - High Turnover.

Wait a minute. Let's say that you take the 1-3 year fund. That's like a ladder-like fund with two rungs: a 3-year rung, and a 2-year rung. One year later, we end up with a 2-year rung and a 1-year rung. We sell the later and buy a new 3-year rung. Right there, we see a 50% yearly turnover. That's m...
by Angst
Thu Jul 07, 2016 7:56 am
Forum: Investing - Theory, News & General
Topic: "Why most retirees will never spend down their portfolio" by Michael Kitces
Replies: 89
Views: 11156

Re: "Why most retirees will never spend down their portfolio" by Michael Kitces

Pre-retirees are trying to look at your retirement future looking at statistics, reading theories... Will I have enough? Will I have too much? Graphs, tables, books, etc. When you are in well into retirement, today is the future. Today is my future. Future analysis "guesses" don't mean mu...
by Angst
Thu Jul 07, 2016 4:25 am
Forum: Investing - Theory, News & General
Topic: "Why most retirees will never spend down their portfolio" by Michael Kitces
Replies: 89
Views: 11156

Re: "Why most retirees will never spend down their portfolio" by Michael Kitces

Hi Sheepdog , I hope you (and everyone) have read through #Cruncher's post above . I assure you, I don't mean to presume anything about the real value of the ongoing increase you see in your portfolio - it may very well be easily outpacing the small inflation we've had recently - but be that as it m...
by Angst
Wed Jul 06, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Small Cap Value
Replies: 27
Views: 3510

Re: Emerging Markets Small Cap Value

There is Schwab's Fundamental Emerging Mrkts Lrg. Co. Index ETF FNDE , ER .47. It's certainly not Mid or Small cap, but it does have a value tilt. From M*: V B G L 58 27 6 M 4 3 1 S 1 0 0 [Edit] Here are some previously mentioned EM ETF's, per M*: EMGF - iShares Edge MSCI Multifactor EM ETF ER .65 V...
by Angst
Mon Jul 04, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: Deutsche Bank troubles
Replies: 10
Views: 1329

Re: Deutsche Bank troubles

I wouldn't give undue weight to a Zero Hedge article. They are a doom-and-gloom tabloid and Deutsche Bank is one of their favorite whipping boys. Must keep things in perspective... +1 Having just read the short article, I see no point in starting a thread based on it. I found nothing to recommend it.
by Angst
Mon Jul 04, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why is everyone everywhere saying to buy gold?
Replies: 61
Views: 5123

Re: Why is everyone everywhere saying to buy gold?

http://www.bloomberg.com/news/articles/2015-03-27/here-are-the-countries-with-the-most-gold-reserves-and-the-ones-that-have-been-buying-it-the-most https://assets.bwbx.io/images/users/iqjWHBFdfxIU/i8kksiZwxgEQ/v2/-1x-1.png That's interesting. I wonder why England/Great Britain is not a member of th...
by Angst
Mon Jul 04, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 48
Views: 6356

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

For someone who's primary reasons for holding the fixed income portion of their asset allocation in Vanguard's Intermediate Term Govt Bond Index are: 1) protection from volatility in the equity mrkt and 2) limiting interest rate exposure, would not both of these goals be more efficiently managed (wh...
by Angst
Sat Jul 02, 2016 7:28 pm
Forum: Investing - Theory, News & General
Topic: Bond Diversification w/ Slice & Dice
Replies: 11
Views: 1294

Re: Bond Diversification w/ Slice & Dice

The two strategies I am aware of to slice and dice bonds are the barbell, which keeps long and short duration treasuries but not intermediate, and the junk/TIPS method. The first I investigated and it seemed beneficial. Apparently the high yield bonds and TIPS method comes from Rick Ferri but I hav...

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