Search found 3280 matches

by BlueEars
Thu Feb 04, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 43
Views: 3158

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

clutchied wrote:...
good luck, but be aware amazon over prices their LED's significantly.

Here is the Amazon link: http://www.amazon.com/gp/product/B019G5Q73S?psc=1&redirect=true&ref_=od_aui_detailpages00
About $7.50 per bulb for 4 pack.
by BlueEars
Thu Feb 04, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: Do value stocks outperform growth when rates rise?
Replies: 4
Views: 383

Re: Do value stocks outperform growth when rates rise?

Nice data dkturner, thanks. Maybe there is hope for my value tilted portfolio?
by BlueEars
Thu Feb 04, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 43
Views: 3158

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

... Just a plug for the FEIT bulbs at costco; they are really great as far as CRI and watts/lumen. I like them over the Cree bulbs right now. Better performance, light quality and CRI. ... I did not know about CRI until this thread. The Feit Flood bulbs I bought at ACE have no CRI printed on the pa...
by BlueEars
Thu Feb 04, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: Do value stocks outperform growth when rates rise?
Replies: 4
Views: 383

Re: Do value stocks outperform growth when rates rise?

really depends on WHY rates rising If it's Fed tightening to slow economy/fight inflation that would be BAD for value stocks if it's moderately rising inflation that is good as value stocks more leveraged and inflation reduces cost of debt in real terms if it's due to higher demand, so real rates r...
by BlueEars
Thu Feb 04, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Do value stocks outperform growth when rates rise?
Replies: 4
Views: 383

Do value stocks outperform growth when rates rise?

I ran into this article from Nov 2015: http://finance.yahoo.com/news/pimco-time-pick-value-over-181935846.html “First, falling rates suggest a weaker economy, so more cyclical and economically sensitive value stocks face a head wind,” Pimco said in its research note. “Second, lower policy rates mean...
by BlueEars
Thu Feb 04, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 43
Views: 3158

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Possibly more important than bulb color in many applications is the bulb's Color Rendering Index (CRI). An incandescent bulb has a CRI of 100, typical low cost LED is 80 or below CRI, but for a modest upcharge higher quality LED can be found with 92+ CRI. For interior lighting, I've been pleased wi...
by BlueEars
Wed Feb 03, 2016 10:02 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 329
Views: 34930

Re: Decided to try timing the market. 100% short on 9/17/15

I have a spreadsheet with the 10mo SMA. It was long in January. Just signalled to get out in Feb. If he is using S&P 500 index price, then he should be short in beginning of January. It is always better to use the index, since it has longer history and back test is done with the index price. My...
by BlueEars
Tue Feb 02, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 329
Views: 34930

Re: Decided to try timing the market. 100% short on 9/17/15

Given the big declines this month, it seems likely the OP has now gone 100% short on 2/1. The S&P500 fell about 5% in January and he had said he was was very close to the threshold. So that's another -5% to add to his returns. I'm not keeping tabs on a total return but it's around -25% in 4.5 m...
by BlueEars
Mon Feb 01, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: French-Fama 2x3, 10x10, mid-caps... Help?
Replies: 27
Views: 2547

Re: French-Fama 2x3, 10x10, mid-caps... Help?

Thanks Siamond and Robert. I'm still digesting that thread on Telltale Charts. I now appreciate how that chart format gives a good perspective. I'm retired and am not thinking in 40 year time frames. So mentally applying a 10 year or 20 year window to these charts is a good idea, I think. What I mea...
by BlueEars
Mon Feb 01, 2016 12:08 am
Forum: Investing - Theory, News & General
Topic: French-Fama 2x3, 10x10, mid-caps... Help?
Replies: 27
Views: 2547

Re: French-Fama 2x3, 10x10, mid-caps... Help?

I'm disappointed because I received no comment on the msci + Vanguard fund data that I posted above. No opinions at all? Come on guys. To be more precise about the data, the msci index was used by Vanguard from as I recall about 2002 to a few years ago when it was replaced by CRSP based indexes. So ...
by BlueEars
Sat Jan 30, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard introducing 0.01% expense ratio funds
Replies: 24
Views: 4596

Re: Vanguard introducing 0.01% expense ratio funds

Probably Warren Buffett, Bill Gates, and some of my other friends asked for it. Do 3B Bogleheads posts count? Victoria I am going to dump the comic strips and head over here for laughs. :happy Seriously, there are some threads here that are quite funny. Like one asking where to get a manual can ope...
by BlueEars
Sat Jan 30, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: French-Fama 2x3, 10x10, mid-caps... Help?
Replies: 27
Views: 2547

Re: French-Fama 2x3, 10x10, mid-caps... Help?

Robert, do you think that those relative values for SV, MV, LV are representative of Vanguard funds should they have been in existence for the whole period? Or maybe DFA instead with their higher tilt values? The last 24 years have been somewhat different for msci + VG funds. The data I have for Jun...
by BlueEars
Fri Jan 29, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: French-Fama 2x3, 10x10, mid-caps... Help?
Replies: 27
Views: 2547

Re: French-Fama 2x3, 10x10, mid-caps... Help?

I personally like midcaps a lot. May be recency bias but VG's (+msci index data) have outperformed since 1992, especially MV. I'm only talking about VG funds comparing SV,MV, and LV. I am *not* talking about the extremes of small and value available at DFA. You probably know one can get the current ...
by BlueEars
Thu Jan 28, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 4045

Re: VFIDX up .83% in one day?

It's nice when one can look at the corresponding ETF to try and get some answers. Doesn't exist for VFIDX yet.
by BlueEars
Thu Jan 28, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: Foreign ETF Trading - Best Practice
Replies: 41
Views: 1723

Re: Foreign ETF Trading - Best Practice

Sounds to me like jhfenton knows what he's doing. Did not seem like he is asking for advice.
by BlueEars
Wed Jan 27, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Foreign ETF Trading - Best Practice
Replies: 41
Views: 1723

Re: Foreign ETF Trading - Best Practice

All my accounts are tax advantaged so all my strategies have nothing to do with taxation. I just asked in case I was missing something about preferring funds over ETF's, especially for international. I am not inferring something else about your strategies so hope your bogleheads/boneheads has nothin...
by BlueEars
Wed Jan 27, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Foreign ETF Trading - Best Practice
Replies: 41
Views: 1723

Re: Foreign ETF Trading - Best Practice

Doc, are you holding the VEA as an ETF because you might want to do some tax loss harvesting? Or did it just turn out this way?
by BlueEars
Mon Jan 25, 2016 4:12 pm
Forum: Investing - Theory, News & General
Topic: Foreign ETF Trading - Best Practice
Replies: 41
Views: 1723

Re: Foreign ETF Trading - Best Practice

... This leaves me exposed for a few minutes (out of the market until the close). Not a good feeling but I've been lucky so far. I've been TLH with foreign and am using different brokers/accounts/securities and have two windows open at the same time and execute the buy and sell in the time it takes...
by BlueEars
Mon Jan 25, 2016 11:22 am
Forum: Investing - Theory, News & General
Topic: Foreign ETF Trading - Best Practice
Replies: 41
Views: 1723

Re: Foreign ETF Trading - Best Practice

Doesn't this depend somewhat on your purpose? For instance, suppose you are selling the foreign and buying US. Then if the relative pricing (ETF to NAV) is similar in both markets, it would not matter what the gap is between ETF and NAV. When I've traded in foreign I've generally done so about 1 hou...
by BlueEars
Sun Jan 24, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in Retirement.
Replies: 28
Views: 1961

Re: Rebalancing in Retirement.

Here is what we do: 1) Spend from the FI. In normal years stocks rise and the rebalancing is kind of automatically done. 2) If stocks rise above the % I've set for them, sell in tax advantaged account. This is to keep the risk level at a limit. 3) If stocks crater like 2008 do not rebalance into sto...
by BlueEars
Wed Jan 20, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 6984

Re: Capitulation!

Capitulation implies we are in a bottoming phase. Most of us here think there is no way to measure where we are at except for the obvious past chart pattern. So the jury is out on the word "capitulation".

I would agree we are in a panic phase.

P.S. I am not a lawyer. :wink:
by BlueEars
Tue Jan 19, 2016 4:36 pm
Forum: Investing - Theory, News & General
Topic: Mechanics of selling ETF and buying the fund
Replies: 9
Views: 400

Re: Mechanics of selling ETF and buying the fund

Thanks for the comments. I executed one transaction today and got lucky. Sold VOE at 77.40, 10 minutes before the close. It closed around 77:17 or so according to Yahoo. Hopefully my purchase of VMVAX with the proceeds reflects this ETF close price pretty closely. Helps to take the sting out of anot...
by BlueEars
Tue Jan 19, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: Mechanics of selling ETF and buying the fund
Replies: 9
Views: 400

Re: Mechanics of selling ETF and buying the fund

awval999 wrote:Why are you doing this?

The admiral funds have the same ER. It is actually easier to do a trade or rebalance without worrying about the bid-ask spread or weirdness in the premium-discounts intraday. VG frequent trading policy changed from 60 days to 30 days. So these are some of my reasons.
by BlueEars
Tue Jan 19, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Mechanics of selling ETF and buying the fund
Replies: 9
Views: 400

Re: Mechanics of selling ETF and buying the fund

... If in a tax-advantaged account, I might even take a chance that one can buy lower. So either buy first by using some bond fund money so that you are doubled up or sell first and wait a day. Or mix and match. One doesn't have to do everything in one trade unless the amounts are so small that you...
by BlueEars
Tue Jan 19, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Mechanics of selling ETF and buying the fund
Replies: 9
Views: 400

Re: Mechanics of selling ETF and buying the fund

ETFs typically have 3 day settlement. Mutual funds have 1 day settlement. If you don't have extra cash in the account, you may have to wait until the ETF sale settles to buy the mutual fund. If your ETFs are held in taxable accounts, selling the ETF will trigger a capital gains tax event. If sell f...
by BlueEars
Tue Jan 19, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: Mechanics of selling ETF and buying the fund
Replies: 9
Views: 400

Mechanics of selling ETF and buying the fund

I am going to convert my portfolio Vanguard ETF's to their mutual fund equivalents. I now think the funds will work better for my purposes. So I'll sell an ETF like VTV and buy VVIAX (large cap value). Below is one 5 day stretch and how things looked near the close (red circles). In recent days we'v...
by BlueEars
Wed Jan 13, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

Well this is somewhat embarrassing. There was a way for a new client to avoid the $3000 minimum by sending in a check. A VG rep showed me how the new client could fill in the web choices to just set up a small money market account. So Vanguard using an ETF like VTI is a good alternative after all.
by BlueEars
Wed Jan 13, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

....I see you seem to have your answer and a plan already, but here is my perspective fwiw. As far as something simple and the ETFs, BlueEars, I have been in the market for 20 years and lurked this site regularly for three years and I think ETFs are intimidating. Also, wouldn't someone retiring in ...
by BlueEars
Wed Jan 13, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

Because of the three you are considering, I would recommend Fidelity, as it has more low cost offerings with both its spartan funds and iShares ETFs with no fee. I see that that Fidelity has this Blackrock ETF (they call it an ETP): https://screener.fidelity.com/ftgw/etf/goto/snapshot/portfolioComp...
by BlueEars
Wed Jan 13, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

Well I filled out the VG electronic account form up to the account minimum section and it appears one has to put in $3k into a money market account to start. So the VG rep was wrong. So it looks like it is back to TD Ameritrade, or Schwab or Fidelity. And yes, setting up savings habits is number 1. ...
by BlueEars
Wed Jan 13, 2016 11:22 am
Forum: Investing - Theory, News & General
Topic: Small value underperformance, DFA
Replies: 106
Views: 7142

Re: Small value underperformance, DFA

... It's the same thing with retirees, they should be the very ones who use the Larry Portfolio as it cuts tail risks which increase when in withdrawal phase, and you need to tilt to SV to allow for holding less beta. ... ... If you look at the historical evidence the efficiency of the Larry Portfo...
by BlueEars
Wed Jan 13, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

Thanks for all the replies. The suggestions helped me to sort out some issues. Apparently he can apply on-line at Vanguard for a Roth IRA. Then he can fund it with enough to buy an ETF. There would be no fee for buying a VG ETF and VTI sounds like a good starter one. The $20 maintenance fee is waive...
by BlueEars
Tue Jan 12, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

The young adult I have in mind wants it really simple. Probably ETF's would be good. Hopefully a Fidelity rep would make the purchase for him so he doesn't have to navigate a trading screen. Basically I'm just trying to go with the flow since he brought this up. If it gets complicated he'll probably...
by BlueEars
Tue Jan 12, 2016 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

lack_ey wrote:Isn't the minimum on those Fidelity funds $2,500?

In any case, you can just use ETFs if you really want to start with a low total.

Oops, it looks like you are right :oops: . It's been decades since I worried about minimums.
by BlueEars
Tue Jan 12, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Re: Where to open up a low balance retirement account?

I had been looking at FFFGX (ER=.75%) and now see the similar Fidelity Freedom Index 2045, FIOFX (ER=.16%) fund. Perhaps they are taking a little more risk with FFFGX because it has a slightly better 5 year record. Somehow they are overcoming the higher ER. Anyway, thanks lack_ey for the suggestion....
by BlueEars
Tue Jan 12, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1236

Where to open up a low balance retirement account?

I've invested with Vanguard for decades. I'm trying to help a young adult set up a very low balance Roth IRA. It seems that Vanguard is not the right place for such an account as they require a minimum $1k in the IRA for a Target Retirement 2045 fund. Family connections don't matter any more accordi...
by BlueEars
Fri Jan 08, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 578
Views: 164625

Re: Variable Percentage Withdrawal (VPW)

Or maybe short term bonds for the unspent bookkeeping, such as vfsux or vfisx.
by BlueEars
Fri Jan 08, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 578
Views: 164625

Re: Variable Percentage Withdrawal (VPW)

I never even looked at the Comparison sheet, thanks Longinvest. I think a lot of retirees struggle with the desire to see their portfolio maintain altitude and yet desire to not leave too much on the table. I have used VPW as my upper limit on spending. Last year we spent 3.5% but could have spend 4...
by BlueEars
Fri Jan 08, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 578
Views: 164625

Re: Variable Percentage Withdrawal (VPW)

A few suggestions for Bustoff assuming you've got the VPW spreadsheet on your computer. 1) Read the Instructions sheet (tab named this) 2) Put in your data on the VPW sheet as per instructions 3) Get familiar with the Backtesting sheet. It has similar inputs as the VPW sheet but you can set the Star...
by BlueEars
Sun Jan 03, 2016 5:53 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7941

Re: frustrating to keep investing in international/EM

It seems international and EM have widely under-performed US for past 5 years. Except for 2012, the data comparing VWO vs VTI shows a large gap . Have we ever had such a wide divergence historically. Or what is a typical timeframe for reversion to mean. ... This chart shows one roughly 10 year peri...
by BlueEars
Mon Dec 28, 2015 5:33 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

So how much inflation protection is needed? Answer appears to be very individual. I notice the Target Retirement 2010 fund (35/65 AA) has 15% of the overall portfolio in short term TIPS. And the Target Retirement 2015 (48/52 AA) has 9% in short term TIPS. Total amount or amount of cash flow - which...
by BlueEars
Mon Dec 28, 2015 1:54 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

I suppose there are a large number of variables that sets one's FI ideas. Certainly spending by a retiree in an extended equity downturn would be a big one. I found 2008-2009 quite educational regarding my FI planning. Thank goodness it did not go on for 10 years. Post WW2 equity markets declines ha...
by BlueEars
Mon Dec 28, 2015 11:25 am
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

... It seems to me that everyone should formulate a sense of how resilient their portfolio is to unexpected inflation, and then evaluate whether that resilience could be improved at an acceptable cost (there is no free lunch here of course). I do not recall seeing a good formulaic way of specifying...
by BlueEars
Sun Dec 27, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

Some good thoughts here. I've obviously not ordered my thinking and that is my homework.

Never would have thought I'd be listening to advice from a penguin. :wink:
by BlueEars
Sun Dec 27, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

... The big benefit of a direct CD is of course the hedge against rising rates provided by the early withdrawal option, which is why I prefer them over brokered CDs. Kevin Exactly. For me the movement of IRA money across institutions is unattractive. I do have older (taxable) Ibonds so that base is...
by BlueEars
Sun Dec 27, 2015 11:23 am
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

Thanks Valuethinker for your inputs. If it weren't that inflation were so low and rates also so low, I'd not give the deflation concerns much thought. I recognize the very low inflation right now is partly due to a sharp energy price decline which is partly due to world economic slowdowns. Energy pr...
by BlueEars
Wed Dec 23, 2015 9:44 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

Those dramatic words were from the Vanguard paper. Perhaps they were leveled at the fixed income mindset? Equity investors would say that is a pretty modest nightmare scenario. And I agree that inflation is the more likely concern as there is a bias to getting people back to work in crisis. Still a ...
by BlueEars
Wed Dec 23, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

I recall some discussion about the deflation risk with TIPS. There is a Vanguard paper that discusses TIPS: http://www.vanguard.com/pdf/flgpt.pdf This example of TIPS behavior in deflation was well done I think: Deflation —an actual fall in consumer prices—is a TIPS investor’s nightmare scenario. No...
by BlueEars
Wed Dec 23, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: What do you think of 5 year TIPS?
Replies: 46
Views: 3421

Re: What do you think of 5 year TIPS?

Thanks for the replies. I agree that trying to time these things too tightly is not wise. I wasn't able to pull the trigger on TIPS at negative rates but now we are out of that period it seems. In recent years I've been holding intermediate investment grade bond funds and some short term investment ...

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