Search found 3335 matches

by BlueEars
Thu Jul 14, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3747

Re: Yahoo Finance redesign

I use Yahoo finance for tracking some portfolio choices. Seems to be similar for that function. Almost had a heart attack looking for the historical data. It is still there but more obscure now, I think. Mostly I want to look at monthly data going way back. It turns out there are two "apply&quo...
by BlueEars
Wed Jun 29, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 160
Views: 23536

Re: Is it time to give-up on TIPS?

Thanks dbr. I was somewhat tempted by 5 year TIPS in December 2015 at about +0.4%. But yesterday they were at -0.32% so not to my liking. Short term TIPS I've never really contemplated buying. I honestly can not see much difference between a short term bond fund and a short term TIPS fund. Is there...
by BlueEars
Wed Jun 29, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 160
Views: 23536

Re: Is it time to give-up on TIPS?

Thanks dbr.

I was somewhat tempted by 5 year TIPS in December 2015 at about +0.4%. But yesterday they were at -0.32% so not to my liking.

Short term TIPS I've never really contemplated buying.
by BlueEars
Wed Jun 29, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 160
Views: 23536

Re: Is it time to give-up on TIPS?

I found it compelling that Vanguard experts removed the Intermediate TIPS fund from the Target portfolios. I looked up the Target Retirement 2010 Fund (VTENX) and sure enough the intermediate TIPS are not there. Right now for bonds it is at 15% in short term TIPS: https://personal.vanguard.com/us/f...
by BlueEars
Sun Jun 26, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: Aswath Damodaran On How To Invest Internationally
Replies: 7
Views: 1030

Re: Aswath Damodaran On How To Invest Internationally

... It should be noted that both William Bernstein and Jonathan Clements are advocating small, not large, changes in portfolios I have considerable respect for all three individuals, so I'm at a loss of what to make of this. I appreciate what you are saying about name recognition and divergences of...
by BlueEars
Sun Jun 26, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 771

Re: VG password security (for phoning into rep)

A long time ago I set up a password with the Vanguard rep for phone conversations. I've been very careful with my selection for the computer login and password. But haven't really worried about the security of the phone-in password. Now I am wondering about it. I normally just call in from our home...
by BlueEars
Sun Jun 26, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 771

Re: VG password security (for phoning into rep)

I am a little disturbed by the people who say "voice verification works for me". Any security measure must be measured by not only how well it lets the right people in but by how well it keeps the wrong people out. So unless you have had a bunch of you're friends call up and get rejected ...
by BlueEars
Sat Jun 25, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 771

Re: VG password security (for phoning into rep)

I have an old landline phone connection using fairly new Panasonic cordless phones. Could also use my smartphone. For others (and myself) who might not remember about this, I looked up the VG reference on Voice Verification and found this: https://personal.vanguard.com/pdf/c106.pdf?2210065141 This i...
by BlueEars
Sat Jun 25, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 771

Re: VG password security (for phoning into rep)

The voice ID might be a better approach. I don't know how well it works.

I would imagine it is more secure then the phone-in password -- or is it? I would imagine that for a married couple, each would need to set one up.
by BlueEars
Sat Jun 25, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 771

VG password security (for phoning into rep)

A long time ago I set up a password with the Vanguard rep for phone conversations. I've been very careful with my selection for the computer login and password. But haven't really worried about the security of the phone-in password. Now I am wondering about it. I normally just call in from our home ...
by BlueEars
Fri Jun 17, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Visiting Sequoia National Park- recommendations?
Replies: 10
Views: 574

Re: Visiting Sequoia National Park- recommendations?

King's Canyon is very impressive. In early July it could be quite hot. If you go, I would start out very early in the morning and maybe return towards noon. There is a nice short nature loop trail at Zumwalt Meadows near the road's end. Ask at the ranger station in Sequoia for conditions there prior...
by BlueEars
Sun Jun 12, 2016 4:16 pm
Forum: Investing - Theory, News & General
Topic: How to interpret the current rate structures?
Replies: 1
Views: 245

How to interpret the current rate structures?

I'm just trying to understand the current rate picture in the context of historical data. To this end I produced this FRED chart: http://i68.tinypic.com/24p9quc.jpg We know that the 10 year Treasury (RED) is very low. Thus it follows that the Treasury spread (10 year minus 3 month Treasury, BLUE) is...
by BlueEars
Wed Jun 08, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"
Replies: 76
Views: 5919

Re: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"

I owned a fair amount of TIPS going into the 2008 debacle. Found out they were not as liquid as I would have thought even though they were US Treasury bonds. They did recover but I did not like the ride. Intermediate investment grade corporate bonds fell harder than TIPs, but the emotional response...
by BlueEars
Wed Jun 08, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"
Replies: 76
Views: 5919

Re: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"

I owned a fair amount of TIPS going into the 2008 debacle. Found out they were not as liquid as I would have thought even though they were US Treasury bonds. They did recover but I did not like the ride. With foreign bonds and especially EM bonds, I'd be concerned about a severe decline lasting seve...
by BlueEars
Tue Jun 07, 2016 10:48 pm
Forum: Investing - Theory, News & General
Topic: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"
Replies: 76
Views: 5919

Re: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"

I hold international bonds, though I am underweight the asset class. My reasons as follows: 1. International bonds are the world's largest asset class...how can one ignore them? 2. US treasuries are viewed by many as the ultimate 'safe asset', yet (a) they are lower-rated than those of some other n...
by BlueEars
Tue Jun 07, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"
Replies: 76
Views: 5919

Re: "A Key Asset Class Most Investors Completely Ignore"

According to M* VG total bond market has about 9% non-US. VFIDX intermediate IG bonds has 19% non-US. Yes, but as recommended by the article, and Vanguard, etc, this is simply not enough international bond exposure. Reading the last last paragraph of the linked article it would seem a combo of BND ...
by BlueEars
Tue Jun 07, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Int'l Bonds - "A Key Asset Class Most Investors Completely Ignore"
Replies: 76
Views: 5919

Re: "A Key Asset Class Most Investors Completely Ignore"

According to M* VG total bond market has about 9% non-US. VFIDX intermediate IG bonds has 19% non-US.
by BlueEars
Sat May 28, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49592

Re: I can't believe I am thinking this

fortyofforty wrote:There is strength in a herd, here. A Bogleherd, if you will.

Well yes, there are some interesting and worthwhile ideas here. But in the end we are each going to have to make up our own minds. Just repeating a mantra or following a leader... not for me.
by BlueEars
Sat May 28, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49592

Re: I can't believe I am thinking this

... Reading passage is sobering to me. My late husband was managing our portfolio back then. (He consulted with me on big picture investment policy stuff but I didn't deal with monitoring the market, opening statements, etc.) Since he was a finance professor and consultant, he had to stay on top of...
by BlueEars
Sat May 28, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49592

Re: I can't believe I am thinking this

Looking back, and knowing what you know now - would you have done the same thing (sell off assets to cover 3 years of expenses)? Looking back, would you have had enough cash assets to 'ride out' the worst of the market storm? I define market storm as September 2008 through April 2009. I am asking i...
by BlueEars
Fri May 27, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this
Replies: 211
Views: 49592

Re: Thank you all..this is what I am doing

.... As I head to retirement at end of years and thanks to this old post from Sheepdog, I plan to have 3 years expense in cash + 3 years in CD. I fear history will repeat itself. One could also consider 3 years in a Treasury ladder instead of cash. Or even a short term Treasury fund. Treasuries did...
by BlueEars
Fri May 13, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: Are corporate bonds a better deal then BAA10Y suggests?
Replies: 7
Views: 687

Re: Are corporate bonds a better deal then BAA10Y suggests?

Thanks, I guess I was a bit muddled on this. The real rates are all that matters. So the spreads are a good measure over different periods regardless of absolute rates.
by BlueEars
Fri May 13, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: Are corporate bonds a better deal then BAA10Y suggests?
Replies: 7
Views: 687

Re: Are corporate bonds a better deal then BAA10Y suggests?

I think you're on the right track. You're also looking at Baa corporates, that's one category above high yield. I believe there are likely some energy companies in that rating category about to drift into high yield. You didn't want to discuss risk, but I think that's part of why you're sensing a b...
by BlueEars
Fri May 13, 2016 7:14 pm
Forum: Investing - Theory, News & General
Topic: Are corporate bonds a better deal then BAA10Y suggests?
Replies: 7
Views: 687

Are corporate bonds a better deal then BAA10Y suggests?

When I think of corporate bond rates versus treasury bond rates, I'm reminded of this Fed graph (BAA10Y): http://i68.tinypic.com/141v3tl.jpg This would suggest that the spread is pretty large right now over the time period since 1987. It ranks at the 80 percentile of spreads since 1987. Then I thoug...
by BlueEars
Sat May 07, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 607
Views: 178543

Re: Variable Percentage Withdrawal (VPW)

Our portfolio is currently 60/40 and I like VPW as a basic guide. Would go to 40/60 when specific conditions are met. Would also go to all Treasury's for bonds under specific conditions. The floor I think of as being set by the final depletion age of something like 110. SS also helps for floor.
by BlueEars
Mon Apr 11, 2016 12:58 pm
Forum: Investing - Theory, News & General
Topic: Disappearing premiums!
Replies: 150
Views: 17577

Re: Disappearing premiums!

forget it
by BlueEars
Sat Apr 09, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62536

Re: Free Windows 10 Upgrade, Yes or No?

After the Win 10 upgrade our HP Photosmart printer software would not work for scan. Tried a few things but they failed. So I bought an HP4520 printer for about $65 at Bestbuy. So far it's much better then the old printer which was an early wifi printer. Sometimes one just has to shell out a few $'s...
by BlueEars
Thu Apr 07, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Bonds in Roth?
Replies: 12
Views: 1337

Re: Bonds in Roth?

In recent years I've kept the AA for Roth's the same as that for tIRA's. Would be interested in thoughtful arguments why this isn't a good idea. If the market looks bad to me (inverted yield curve, high valuations, unemployment ticking up) I would be inclined to let the tIRA take the equity hit and ...
by BlueEars
Sat Mar 26, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62536

Re: Free Windows 10 Upgrade, Yes or No?

My Win 10 experience has been very good except for getting my older HP photosmart printer's scanner software to work. I might have to replace the printer to get scanning back but can still print out files.
by BlueEars
Fri Mar 18, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Can you time premiums?
Replies: 18
Views: 1889

Re: Can you time premiums?

A few comments: 1) If a great timing system were uncovered in the study would we be reading about it? 2) Is this an annual study, i.e. look at data, buy and hold for 1 year, look at data again? Would seem a monthly process is better to study. 3) If individuals are trading (growth vs value) funds inf...
by BlueEars
Thu Mar 17, 2016 11:52 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads Code (my short version)
Replies: 27
Views: 5118

Re: The Bogleheads Code (my short version)

When does Code = Religion ?

Can one post here if he doesn't sign up? :wink:

Is there forgiveness? Tolerance?
by BlueEars
Tue Mar 08, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: Under the hood of 5 multifactor funds
Replies: 44
Views: 4443

Re: Under the hood of 5 multifactor funds

Thanks Robert, that is very interesting information. Adds impetus to my lowering the Vanguard LV:MV ratio.
by BlueEars
Mon Mar 07, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: Under the hood of 5 multifactor funds
Replies: 44
Views: 4443

Re: Under the hood of 5 multifactor funds

Robert T wrote:.
...
FWIW - here are the backtested annualized returns from 1979-2015 (%)

13.7%...Dimensional US Large Cap Value Index
13.6%...FTSE RAFI US 1000 Index
12.1%...Russell 1000 Value Index
11.7%...Russell 1000 Index

...

Robert, do you have any way of putting these in the context of Vanguard offerings?
by BlueEars
Sun Mar 06, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3354

Re: Diversify with Intl Small Cap instead of EM?

... VEIEX/VEMAX/VWO is still transitioning from a large cap emerging markets fund to an all-cap emerging markets fund. Over the course of this year (from November 2015 to November 2016), it will gradually include more mid-cap and small-cap firms. https://personal.vanguard.com/us/insights/article/fu...
by BlueEars
Sun Mar 06, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3354

Re: Diversify with Intl Small Cap instead of EM?

... The Vanguard Diehards: This is the Bogleheads not Vanguard Marketing Corp. There are other low cost indexed providers out their. The problem with Vg is in many cases you have to take EM whether you want to or not. Feel free here to name some better choices. Besides VINEX and VFSVX, I've looked ...
by BlueEars
Sun Mar 06, 2016 12:45 am
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3354

Re: Diversify with Intl Small Cap instead of EM?

... I agree with you that emerging market fund has a fair number of large companies at the top but then so does US total stock or Total International. The emerging stuff if anything is MUCH smaller..YMMV just want to make sure you have the facts correct. Yes, there are 3413 holdings in VEIEX so the...
by BlueEars
Sat Mar 05, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3354

Re: Diversify with Intl Small Cap instead of EM?

I too like VINEX but mostly because of performance. It has outperformed VFSVX partly because VINEX has a lower EM component. I track both of these monthly and would have no compunction about switching. Only married to my wife, not to investment instruments. :wink:
by BlueEars
Sat Mar 05, 2016 5:30 pm
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3354

Re: Diversify with Intl Small Cap instead of EM?

When I mentioned the size stuff above, I was talking about a huge difference in perception. VG says VEIEX has a median capitalization equivalent to its US midcaps. M* shows VEIEX as very large cap (see the giant cap and large cap proportions). So I am not talking about minor boundaries on capitaliza...
by BlueEars
Sat Mar 05, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Diversify with Intl Small Cap instead of EM?
Replies: 35
Views: 3354

Diversify with Intl Small Cap instead of EM?

I was looking at Vanguards EM offering (VEIEX) and wondering if it would be a good asset class for me to add. I only have large cap international and small cap international right now. So that is my motivation for looking into this further. Plus I've seen several threads on EM here and need to add a...
by BlueEars
Thu Mar 03, 2016 8:22 pm
Forum: Investing - Theory, News & General
Topic: Morningstar discontinued the Ibbotson SBBI Classic Yearbook?
Replies: 29
Views: 4272

Re: Morningstar discontinued the Ibbotson SBBI Classic Yearbook?

What is the motivation to buy this? Will you really make better investment decisions with this information?

I've seen this cited as a source occasionally but never looked into getting it.
by BlueEars
Sun Feb 28, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Mid-caps and derivatives - New historical data
Replies: 29
Views: 2445

Re: Mid-caps and derivatives - New historical data

I do not believe there was any mid cap index going back to 1927. In fact some "authorities" say since 1927 the emerging markets have had the best performance. Again, there was no emerging market index way back then and in fact the emerging market mutual funds started around 1992. I think ...
by BlueEars
Sun Feb 28, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Mid-caps and derivatives - New historical data
Replies: 29
Views: 2445

Re: Mid-caps and derivatives - New historical data

... And I just figured out that there is a terrific historical comparison between indexes on the wiki page about US small cap index returns . Scroll down for small cap value. This explains a lot... And there is a similar page for US mid cap index returns . From those tables for 10 year CAGR, 2006 t...
by BlueEars
Sat Feb 27, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: Mid-caps and derivatives - New historical data
Replies: 29
Views: 2445

Re: Mid-caps and derivatives - New historical data

...The evidence that SV beats (or at least did beat) any other category on the long run seems pretty firmly established, albeit with the price of serious volatility. ... That SV category applies to certain extreme size/value factors that are not available at Vanguard. Probably that SV performance i...
by BlueEars
Sat Feb 27, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: Mid-caps and derivatives - New historical data
Replies: 29
Views: 2445

Re: Mid-caps and derivatives - New historical data

Thanks for this Siamond. One observation, the FF (DFA?) comparison is different then the VG comparison and the conclusions one draws from the FF analysis might not be correct for VG. We see that FF SV beats FF MV although not consistently and not that much over the 30+ years shown. We see that VG MV...
by BlueEars
Sat Feb 27, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Mid-caps and derivatives - New historical data
Replies: 29
Views: 2445

Re: Mid-caps and derivatives - New historical data

This is very good work Siamond, thanks. Confirms that what we have seen in recent years is not just recency. ... Finally, here are some summary statistics (click on the chart to avoid squinting too much!). Note that the 1972+ numbers aren't too different from the Simba/Vanguard numbers (good!). ... ...
by BlueEars
Tue Feb 23, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 129
Views: 10728

Re: Historical Bond Returns - Shiller: From Rates to Returns

PS for Kevin: VFITX was created in 1992, not 1994. More precisely 10/28/1991. I thought I got the returns from a Bogleheads Wiki spreadsheet. Checking ... Vanguard Intermediate Treasury Fund tracking error shows returns back to 1993, not sure why I only went back to 1994. Where did you get 1992? I ...
by BlueEars
Mon Feb 22, 2016 4:13 pm
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 129
Views: 10728

Re: Historical Bond Returns - Shiller: From Rates to Returns

Interesting results Kevin. I wonder how static the maturity table is for VFITX. Their description allows for quite a bit of latitude in the low credit risk space: Vanguard Intermediate-Term Treasury Fund seeks a moderate and sustainable level of current income by investing primarily in intermediate-...
by BlueEars
Sun Feb 21, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: the risk of withdrawing more money in early retirement
Replies: 18
Views: 2258

Re: the risk of withdrawing more money in early retirement

Hi, about a year away, my wife and I have started talking about withdrawal rates, I've advocated btw and 3 and 4 percent. She thinks we should aim for a higher withdrawal rate (perhaps 5 or 6 per cent) in early retirement. Her point is that right now we're healthy, mobile, etc but 10 years from now...
by BlueEars
Sun Feb 21, 2016 12:09 pm
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns
Replies: 129
Views: 10728

Re: Historical Bond Returns - Shiller: From Rates to Returns

I am going to suggest a test to see if the calculation method for bond returns actually meet the VPW user needs. Well, actually these are my needs. First, the bond funds I'm interested in are intermediate funds like: 1) VFIUX - intermediate term Treasury ..............(VFITX to April 2001, then VFIU...
by BlueEars
Sat Feb 20, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 62536

Re: Free Windows 10 Upgrade, Yes or No?

heartwood wrote:...
All is fine in Firefox and Edge. But I agree, the current lack of acceptance of a PW manager extension in Edge is a current deal breaker, almost a year after launch. What are these guys thinking?

I take it that Firefox plus Lastpass is OK in Win 10?

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