Search found 5965 matches

by Call_Me_Op
Sun May 01, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard Limited-Term Tax-Exempt Fund > Ally Bank?
Replies: 12
Views: 1146

Re: Vanguard Limited-Term Tax-Exempt Fund > Ally Bank?

You can put a portion of it in the tax-exempt fund but I wouldn't put it all there. Future maximum draw-down is not limited to that of the past, and you do not want to sell at a loss in the case of an emergency.
by Call_Me_Op
Sun May 01, 2016 8:03 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: higher % stocks -> higher % of stocks international
Replies: 14
Views: 1495

Re: Jonathan Clements: higher % stocks -> higher % of stocks international

Thus, if I understand correctly, Clements might be saying that he would allocate the Vanguard LifeStrategy funds a little differently than Vanguard has. Thus, for example, Vanguard LifeStrategy Growth is 80/20, and 40% of that 80 is international, thus 48% U.S. stocks, 32% international stocks. Van...
by Call_Me_Op
Sat Apr 30, 2016 6:57 am
Forum: Investing - Theory, News & General
Topic: Why not ETFs?
Replies: 57
Views: 3595

Re: Why not ETFs?

I hold both mutual funds and ETF's in my taxable account and find it's no problem. The ETF's I hold are commission-free and I trade infrequently. To trade an ETF, I can simply place a limit order at lunch time good until the end of the day. Never have encountered a problem. My inclination is to use ...
by Call_Me_Op
Thu Apr 28, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Advice on taxable accounts
Replies: 7
Views: 1040

Re: Advice on taxable accounts

How about a combination of total stock market and intermediate tax-exempt bond?
by Call_Me_Op
Wed Apr 27, 2016 8:38 am
Forum: Investing - Theory, News & General
Topic: Allan Roth on why bond funds are better than individual bonds
Replies: 63
Views: 4830

Re: Allan Roth on why bond funds are better than individual bonds

If you really believe in taking your risk on the equity side, you use only treasuries and CD's and no need for funds. I would only use funds for bonds that have credit risk.
by Call_Me_Op
Wed Apr 27, 2016 7:54 am
Forum: Investing - Help with Personal Investments
Topic: How do bond funds REALLY work?
Replies: 16
Views: 1791

Re: How do bond funds REALLY work?

It appears that a lot of people are somewhat hesitant to purchase some bond asset classes since they are suppose to go down as the US government raises interest rates.... Not true. You are confusing the Fed's discount rate with the interest rate on bonds. These are not the same and are only closely...
by Call_Me_Op
Mon Apr 25, 2016 6:48 am
Forum: Investing - Theory, News & General
Topic: Dow 100,000
Replies: 30
Views: 4144

Re: Dow 100,000

I was listening to Eric Edelman show on the radio. He asserted that Dow 100,000 should happen in like 20 years or so. Considering that it is now 18,000, I thought this would be a wild eyed prediction. Warren Buffet said it will happen but not in his lifetime. If one assumes 9% growth per year (mayb...
by Call_Me_Op
Sun Apr 24, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Misallocated, No Bonds - What Now?
Replies: 11
Views: 1260

Re: Misallocated, No Bonds - What Now?

Also with bond yields well below average yields, it would appear that a major reallocation to bonds would likely result in capital losses as the yields revert to the mean. I think it is an error to assume that bond yields will revert to the "mean." What mean (over what period)? I don't th...
by Call_Me_Op
Sun Apr 24, 2016 6:44 am
Forum: Investing - Help with Personal Investments
Topic: What's the deal with long term gov bonds?
Replies: 26
Views: 1880

Re: What's the deal with long term gov bonds?

I'm trying to finalize my AA with fidelity. Deciding on the bond AA. Spartan Long-Term Treasury Bond Index Fund seems too good to be true. Surely you must be joking. Op, these are the returns: ytd7.68% 1yr2.69% 3yr5.95% 5yr9.58% 10yr7.85% Sadly, I don't know much about investing but they sure look ...
by Call_Me_Op
Sat Apr 23, 2016 6:08 am
Forum: Investing - Theory, News & General
Topic: Determine risk tolerance
Replies: 19
Views: 1162

Re: Determine risk tolerance

It's hard to know your risk tolerance if you have not lived through a major crash. I would sit in a comfortable chair and imagine your account balance falling by 50% in 1 year AND you do not know if or when the slide will stop. Think about having a specific amount and that amount being cut in half i...
by Call_Me_Op
Sat Apr 23, 2016 5:30 am
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 3220

Re: Want to buy a home safe - advice?

livesoft wrote:Ah, you need a fake safe that burglars would spend so much time on that they would forget to find and get the good stuff.


Even better is to put some fake gold in the fake safe.
by Call_Me_Op
Fri Apr 22, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: What's the deal with long term gov bonds?
Replies: 26
Views: 1880

Re: What's the deal with long term gov bonds?

fortfun wrote:I'm trying to finalize my AA with fidelity. Deciding on the bond AA. Spartan Long-Term Treasury Bond Index Fund seems too good to be true.


Surely you must be joking.
by Call_Me_Op
Fri Apr 22, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Acorns - Automatic Investing
Replies: 17
Views: 3663

Re: Acorns - Automatic Investing

Cool concept...but thoughts on the fees? "It charges a flat $1-a-month fee and a 0.25 percent to 0.5 percent management fee on the money invested" 0.5 percent fee up to $5000 account balance, then it drops to 0.25 percent. http://www.theverge.com/2014/8/26/6068017/acorns-app-saving-invest...
by Call_Me_Op
Thu Apr 21, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard versus David Swenson
Replies: 28
Views: 3525

Re: Vanguard versus David Swenson

I agree with Vanguard on the REITs. I would never hold them in taxable. On the treasury versus muni question, I would split the difference - and (a la Bernstein) place perhaps 1/3 of taxable fixed-income in muni's.
by Call_Me_Op
Thu Apr 21, 2016 7:11 am
Forum: Investing - Theory, News & General
Topic: If past performance doesn't indicate future performance, why buy stocks?
Replies: 43
Views: 4005

Re: If past performance doesn't indicate future performance, why buy stocks?

I believe that the SEC statement is "past performance does not guarantee future results." That means just what it says. It says "does not guarantee." It doesn't say "does not indicate", whatever that means.
by Call_Me_Op
Tue Apr 19, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Series EE bonds as holder for emergency funds
Replies: 9
Views: 1282

Re: Series EE bonds as holder for emergency funds

The wiki mentions various places to keep emergency funds: https://www.bogleheads.org/wiki/Emergency_fund But not Series EE bonds. I'm considering adding the EE choice to the wiki page and am seeking comments. Now it's not for everyone. Basically I have a low chance of ever needing to draw from my e...
by Call_Me_Op
Tue Apr 19, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: I hold only US Bonds. Is this risky?
Replies: 22
Views: 1698

Re: I hold only US Bonds. Is this risky?

Should I consider adding the International Total Bond index fund? Rick Ferri advises against this because it's too expensive after the hedging costs. He says US bonds are all you need. But I worry about if something were to happen...the lack of diversification around the world will come back to bit...
by Call_Me_Op
Mon Apr 18, 2016 5:40 am
Forum: Investing - Theory, News & General
Topic: Rick Edelman Advice....Good?
Replies: 22
Views: 3050

Re: Rick Edelman Advice....Good?

tumbleweedsusan wrote:you are posting a question about owning individual stocks on a forum with index fund disciples.


Can you tell me where he mentions individual stocks? I know for a fact that Ric (Edelman) doesn't recommend individual stocks. He favors ETFs.
by Call_Me_Op
Sun Apr 17, 2016 10:56 am
Forum: Investing - Theory, News & General
Topic: Quick Question - To Time or Not to Time
Replies: 14
Views: 1222

Re: Quick Question - To Time or Not to Time

inconspicuous wrote:Here's my question... I know generally speaking market timing is a secondary concern.


No, it is a primary concern - not to engage in it.
by Call_Me_Op
Sun Apr 17, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: SWAN: Using absolute dollar amount instead of percentage to manage risk
Replies: 27
Views: 2312

Re: SWAN: Using absolute dollar amount instead of percentage to manage risk

Why are you placing an upper limit on equities? It seems more logical to place a lower limit o SAFE assets (i.e., the assets you need to fund your basic liabilities).
by Call_Me_Op
Sun Apr 17, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: Everyone Worries Too Much About 'Black Swans'
Replies: 39
Views: 3839

Re: Everyone Worries Too Much About 'Black Swans'

The issue here is there is no risk in the past. People assume that there will be an occasional "black swan" followed by a rapid recovery. But the real risk is that there may not be a rapid recovery - may take decades.
by Call_Me_Op
Sat Apr 16, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5207

Re: Total Bond Achilles Heel?

Fellow Bogleheads: Please read a portion of an article below from Boomberg.com: "Here's the logic behind this. Passive strategies seek to track broader indexes, allocating more money toward borrowers that have larger amounts of debt outstanding. In other words, the more bonds a company has sol...
by Call_Me_Op
Sat Apr 16, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Safe money?
Replies: 19
Views: 2581

Re: Safe money?

Hi everyone, I want to help my mom decide what to do with the cash she's saved up in the bank. I am managing her IRA funds with a fairly standard index-fund approach. Outside of this, she has ~500,000 in cash sitting in the bank (some in CDs which will mature soon). She is not a big fan of investin...
by Call_Me_Op
Mon Apr 11, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Cash vs bond etf
Replies: 6
Views: 490

Re: Cash vs bond etf

What is the best asset to hold cash holdings ? Plain old savings account/CDs OR bond etf ? I do not consider a CD or a bond ETF equivalent to cash. Cash is an asset class that is highly liquid, does not fluctuate in market value, and pays interest. Examples of cash are a bank account and money-mark...
by Call_Me_Op
Sun Apr 10, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Rebalancing in a taxable account isn't so simple
Replies: 54
Views: 4279

Re: Rebalancing in a taxable account isn't so simple

The advice to rebalance once per year is only applicable to tax-advantaged accounts. For taxable accounts, rebalancing should be with new money, with interest, dividends, and distributions, or from harvested losses. Also, you should use flexible rebalancing bands, not a calendar basis. For example, ...
by Call_Me_Op
Sat Apr 09, 2016 6:23 am
Forum: Investing - Theory, News & General
Topic: The Keys to Active Management
Replies: 10
Views: 1115

Re: The Keys to Active Management

cheese_breath wrote:
Call_Me_Op wrote:Can you direct me to where at that link they state that active beats passive? I don't see anything to that effect.

That link is displayed only 20% of the time. :D

:)
by Call_Me_Op
Sat Apr 09, 2016 5:56 am
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 42
Views: 2973

Re: Rebalancing to control risk doesn't make sense to me

I think you are missing the emotional factor, which is actually the biggest (risk) factor in investing for most people.
by Call_Me_Op
Fri Apr 08, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: The Keys to Active Management
Replies: 10
Views: 1115

Re: The Keys to Active Management

Can you direct me to where at that link they state that active beats passive? I don't see anything to that effect.
by Call_Me_Op
Fri Apr 08, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: International indexing vs. managed funds.
Replies: 11
Views: 782

Re: International indexing vs. managed funds.

Thanks Taylor (and the other repliers). I noticed that Fidelity has recently been running ads claiming how their Diversified International Fund has outperformed the EAFE index over the long term, even with a a roughly 1% expense ratio. I don't know if this is just spin or not. Of course, there is a...
by Call_Me_Op
Fri Apr 08, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: International indexing vs. managed funds.
Replies: 11
Views: 782

Re: International indexing vs. managed funds.

There are no guarantees, but the "relentless rules of humble arithmetic" apply also to international investing.
by Call_Me_Op
Tue Apr 05, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 2425

Re: Sensory Deprivation Tanks

Doesn't sound like a natural situation, so I would avoid.
by Call_Me_Op
Mon Apr 04, 2016 6:52 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 4310

Re: Mr. Bogle and Global Corruption Crackdown

Mr. Bogle recommends not investing in foreign markets because: (1) He doesn't envision the world economies outpacing the U.S. in terms of investment return in the future. Mr. Bogle stated the U.S. is the most innovative and entrepreneurial country in the world. (5) The U.S. has the strongest financ...
by Call_Me_Op
Mon Apr 04, 2016 6:47 am
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 5516

Re: is foreign investing really worth it

sabhen wrote:Would you sell your foreign stocks and re-invest in the US?


Let's see, should I dump an asset class that has done well recently for one that has not? You tell me.
by Call_Me_Op
Sat Apr 02, 2016 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Advice for my parents (retired, risk adverse)
Replies: 11
Views: 879

Re: Advice for my parents (retired, risk adverse)

70% bonds 30% stock index fund. They can comfortably withdraw 5% per year and leave a huge inheritance to boot.
by Call_Me_Op
Fri Apr 01, 2016 5:50 am
Forum: Investing - Theory, News & General
Topic: Listen to Jack on this one [prefer Intermediate-term bond index]
Replies: 48
Views: 5819

Re: Listen to Jack on this one

stemikger wrote:I agree with Jack when he says you don't need international...


I don't agree with this because it is riskier than broad diversification.
by Call_Me_Op
Thu Mar 31, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6194

Re: 2 Buckets or 3 Buckets in Retirement??

I don't see how a "bucket approach" is fundamentally different from what most Bogleheads do, which is hold some assets in risky investments, such as stocks, and some in safer investments, such as bonds and CD's. What's the difference? A) Bogleheads. You are 50/50 stocks bonds. Stocks drop...
by Call_Me_Op
Thu Mar 31, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5425

Re: Do you pay for yardwork?

Costs vary widely depending upon where you live. I have a small lot but pay close to $2k/yr for landscaping. I am happy to pay it to avoid possible exposure to ticks, which are everywhere in my neck of the woods.
by Call_Me_Op
Wed Mar 30, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4099

Re: Battling Deer Ticks, Opinions Sought

I am loathe to pay money to anyone for a service I can do myself. The physical exertion of mowing the grass is actually a good form of exercise, beneficial to overall health. I respect your position, but the cost is a drop in the bucket for me, and I much prefer getting exercise in ways that do not...
by Call_Me_Op
Wed Mar 30, 2016 7:48 am
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6194

Re: 2 Buckets or 3 Buckets in Retirement??

I don't see how a "bucket approach" is fundamentally different from what most Bogleheads do, which is hold some assets in risky investments, such as stocks, and some in safer investments, such as bonds and CD's. What's the difference? A) Bogleheads. You are 50/50 stocks bonds. Stocks drop...
by Call_Me_Op
Wed Mar 30, 2016 5:57 am
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4099

Re: Battling Deer Ticks, Opinions Sought

I have a penchant for identifying significant risks and avoiding them. I live in a Lyme-endemic region. I hire a landscaper to keep my grass cut short and re-mulch my beds. When outdoors, I take the extreme measure of walking only on paved surfaces and not touching any vegetation - period.
by Call_Me_Op
Wed Mar 30, 2016 5:52 am
Forum: Investing - Theory, News & General
Topic: Bonds play a valuable role in a diversified portfolio.
Replies: 15
Views: 1987

Re: Bonds play a valuable role in a diversified portfolio.

larryswedroe wrote:artsdoc
SOME people have human capital that is bond like, but others have human capital that is more equity like, more highly correlated with the stock market and economy, and thus they should hold less equity. Have to ask ARE YOU A STOCK OR A BOND.


I am more like a CD.
by Call_Me_Op
Wed Mar 30, 2016 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 7026

Re: Which Engineering Discipline for the next 20+ years !!!

LiveSimple wrote:Which Engineering Discipline for the next 20+ years !!!


One that you enjoy.
by Call_Me_Op
Tue Mar 29, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4099

Re: Battling Deer Ticks, Opinions Sought

Hmmm...small yard not surrounded by woods but with visiting deer. Usually, the ticks do not like open lawn (exposed much of the day to sunlight). I know this sounds a bit obsessive, but I would minimize exposure to unpaved surfaces (woods, lawns, etc) unless and until the problem is under control. I...
by Call_Me_Op
Mon Mar 28, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: CD Rates dropping?
Replies: 24
Views: 2415

Re: CD Rates dropping?

Naturally, the 5 year treasury rate is only one factor. The reasons for spread itself are probably difficult to untangle.
by Call_Me_Op
Mon Mar 28, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4099

Re: Battling Deer Ticks, Opinions Sought

I think you are making an unsubstantiated assumption that squirrels can sustain the tick's life cycle. What about birds? I suggest you talk to the manufacturer of the tubes to ask them about this.

Also, did you get bitten in your yard? Does it border woods? Are there deer that visit your yard?
by Call_Me_Op
Mon Mar 28, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: CD Rates dropping?
Replies: 24
Views: 2415

Re: CD Rates dropping?

It should not be surprising that 5 year CD rates have fallen since the medium-term treasury rates have recently fallen. According to the Daily Treasury Yield Curve the current 5 year rate is 1.39 (3/24/16). This is similar to the rate in Jan. 2015 and higher then the rate at the end of Jan. 2015 (1...
by Call_Me_Op
Mon Mar 28, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: CD Rates dropping?
Replies: 24
Views: 2415

Re: CD Rates dropping?

It should not be surprising that 5 year CD rates have fallen since the medium-term treasury rates have recently fallen.
by Call_Me_Op
Mon Mar 28, 2016 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Re-thinking Umbrella Insurance - just up Auto/Home Instead
Replies: 80
Views: 5749

Re: Re-thinking Umbrella Insurance - just up Auto/Home Instead

I'd say this is a matter of your net worth. If your net worth is $100k, then $500k in coverage is probably fine. If your NW is $1 million or greater, I would say $500k is not enough.
by Call_Me_Op
Mon Mar 28, 2016 6:22 am
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 5922

Re: Anyone else feeling a correction brewing?

I have a fixed asset allocation, which means no guesswork.
by Call_Me_Op
Sat Mar 26, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: One question about brokered CD
Replies: 7
Views: 360

Re: One question about brokered CD

I don't think the specific answer to your question matters. Never exceed FDIC limits.

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