Search found 244 matches

by Ever Ready
Sun Jul 24, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: thoughts on GS Momentum Builder® Multi-Asset 5S ER Index-Linked CDs due 2024
Replies: 18
Views: 934

Re: thoughts on GS Momentum Builder® Multi-Asset 5S ER Index-Linked CDs due 2024

Don't forget the 4 to 9% "placement fee"

The estimated value of your CDs at the time the terms of your CDs are set on the trade

date is expected to be between $910 and $960 per $1,000 face amount. See page S-3.


This thing stinks worse than the dumpster behind a fish market.
by Ever Ready
Sat Jun 25, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: Return expectations for the next 10 years
Replies: 91
Views: 6132

Re: Return expectations for the next 10 years

If you're trying to cheer us up, you need to try harder.
by Ever Ready
Tue Jun 07, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Q Group "Spring 2016 Seminar" Proceedings, Including John Bogle Paper
Replies: 1
Views: 265

Re: Q Group "Spring 2016 Seminar" Proceedings, Including John Bogle Paper

The recorded presentation is available on Vimeo

"David and Goliath: Who Wins the Game of Quantitative Investing?"

https://vimeo.com/164907471
by Ever Ready
Sat May 21, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: High Cost Brokerages Get into the Smart Game
Replies: 1
Views: 564

Re: High Cost Brokerages Get into the Smart Game

William Bernstein called it two years ago. ETF.com: Do you have a sense, as I do, that “factor-focused” investing is reaching some critical mass these days—and that we can see that in the behavior of the Wall Street marketing machine? Bernstein: I think so. The bozos have jumped into the factors wit...
by Ever Ready
Fri May 06, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: "When Mediocrity Trumps Brilliance"
Replies: 2
Views: 551

Re: "When Mediocrity Trumps Brilliance"

Investing in low cost index funds IS brilliance!
by Ever Ready
Sat Mar 26, 2016 11:53 am
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 5518

Re: "Mitigating the Risks of Cognitive Decline"

This sounds like a good topic for the Wiki.
by Ever Ready
Thu Dec 24, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: Bogle: "We Need to Fix the Bond Index"
Replies: 46
Views: 4459

Re: Bogle: "We Need to Fix the Bond Index"

Some may remember that in 2002 the managers of TBM fund
decided to overweight corporate bonds to "improve performance".
This backfired badly and the fund trailed the index by a couple of percentage points.
by Ever Ready
Fri Dec 04, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: RZV negative momentum
Replies: 16
Views: 2370

Re: RZV negative momentum

indexingfun wrote: Given the limited availability of AQR and DFA funds to investors without advisors, are there other funds/ETFs that combine momentum and value factors effectively in similar ways? A Suite of New Multifactor ETFs for Your Watchlist Credible factors cleverly combined make the MSCI Fa...
by Ever Ready
Sun Oct 25, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: How much International Exposure?
Replies: 56
Views: 5869

Re: How much International Exposure?

Vanguard has in the past offered to send me a copy of their research report wherein they concluded 40% int'l equities is recommended, but I've yet to actually see it. I am interested to know what sort of data sample they used, so I can form my own opinion of the strength of their recommendation, bu...
by Ever Ready
Thu Oct 01, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: Resources on Variable Annuities
Replies: 18
Views: 1692

Re: Resources on Variable Annuities

Mel, Hopefully he learned something after reading our book. He said he read the section on annuities (I bookmarked it for him) and returned it to me. His wife said he is still leaning towards getting one. Why pay high expenses, exposure yourself, high surrender fees and pay higher taxes when there a...
by Ever Ready
Thu Oct 01, 2015 1:55 pm
Forum: Investing - Theory, News & General
Topic: Resources on Variable Annuities
Replies: 18
Views: 1692

Re: Resources on Variable Annuities

All the advice you need is in seven letters: "Run away!" I'm with you on that, but he is not going rely soley on my advice. I think he regards the Bogleheads as excessively frugal. So I am seeking input from an 'authority' he might trust. I will order Larry's book. Hopefully that will do ...
by Ever Ready
Thu Oct 01, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Resources on Variable Annuities
Replies: 18
Views: 1692

Resources on Variable Annuities

A relative is considering a variable annuity as a tax deferral/pension replacement vehicle. I have lent him my copy of "The Bogleheads Guide to Investing" which has a short section on annuities. I have read the Bogleheads Wiki page on variable annuities and its' references. What other reso...
by Ever Ready
Sat Sep 05, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Taylor: A question about simplicity
Replies: 32
Views: 3693

Re: Taylor: A question about simplicity

I believe it was Albert Einstein who said: "Everything should be as simple as possible, but not simpler" If there are proven benefits to making changes to your portfolio, then you should make them. I think this applies to the tax-related changes you listed. Not sure about the 403b, need mo...
by Ever Ready
Mon Aug 31, 2015 4:42 pm
Forum: Investing - Theory, News & General
Topic: AQR/Asness - How Can a Strategy Still Work If Everyone Knows About It?
Replies: 116
Views: 8010

Re: AQR/Asness - How Can a Strategy Still Work If Everyone Knows About It?

First, assuming attractive but lower-than-historical rewards (the numerator) seems prudent.[27] Recall we believe this “lower-than-historical” verdict applies even more so to traditional long-only capitalization-weighted stock and bond markets (index returns). Thus, the marginal benefit of adding t...
by Ever Ready
Tue Jun 16, 2015 5:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 17
Views: 4334

Vanguard announces plans for money market fund lineup

To provide individual investors with a range of money market funds that maintain a stable $1 NAV, we'll designate 7 money market funds as "retail": Vanguard Prime Money Market Fund Vanguard California Tax-Exempt Money Market Fund Vanguard New Jersey Tax-Exempt Money Market Fund Vanguard Ne...
by Ever Ready
Mon Jun 01, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 63819

Re: Free Windows 10 Upgrade, Yes or No?

FYI

6 Features Disappearing in Windows 10 (and How to Replace Them)
http://www.pcmag.com/article2/0,2817,2485170,00.asp

Ever Ready
by Ever Ready
Mon Jun 01, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: Life Strategy fund for retirement?
Replies: 6
Views: 1218

Re: Life Strategy fund for retirement?

If you like TIPS, why not use Lifestrategy Growth and enough of ST TIPS fund to get you to 60/40.
by Ever Ready
Mon Jun 01, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 63819

Re: Free Windows 10 Upgrade, Yes or No?

I just found this. Apparently everyone on Win 7 and 8 will get it.

Windows 10 Arrives on July 29
http://www.pcmag.com/article2/0,2817,2485143,00.asp
by Ever Ready
Mon Jun 01, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 63819

Free Windows 10 Upgrade, Yes or No?

I just got an offer for a free Windows 10 upgrade, full version, not a trial. Has anyone else received this offer? Is it a good idea to get the first version? I have heard it is better to wait for SP1 when they have fixed most of the bugs. I have also heard that an upgraded OS is not a stable as the...
by Ever Ready
Sun May 17, 2015 7:50 am
Forum: Investing - Theory, News & General
Topic: THANK YOU Bogleheads!
Replies: 9
Views: 1979

Re: THANK YOU Bogleheads!

deleted
by Ever Ready
Fri May 15, 2015 12:21 pm
Forum: Investing - Theory, News & General
Topic: Didn't you hear? Gold is going to $5,000!
Replies: 8
Views: 1427

Re: Didn't you hear? Gold is going to $5,000!

From the comment section:

In the year 2115, when gold finally reaches $5,000, the ghost of Peter Schiff will materialize and say, see, I'm right.
by Ever Ready
Sat May 09, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: 6 ways Vanguard has changed the way people invest
Replies: 2
Views: 1200

6 ways Vanguard has changed the way people invest

6 ways Vanguard has changed the way people invest Chuck Jaffe on Marketwatch writes about Vanguards legacy, 40 years since May 1, 1975. Costs matter Patience matters, too Starting small leads to finishing big You must invest regularly Avoid complacency It’s best to ignore trends, fads and anything w...
by Ever Ready
Thu May 07, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 49
Views: 9396

Re: Vanguard Ultra-Short-Term Bond Fund now available

Hogan, There are plenty of financial institutions that offer CD IRAs. Here are a few sites that you can use to research them: https://www.depositaccounts.com/ira/ http://www.fatwallet.com/forums/finance/682884/?start=2200 http://www.bankrate.com/cd.aspx?ic_id=home_investing_bank-rates_globalnav Also...
by Ever Ready
Wed Apr 29, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Quality/Value/Momentum Index
Replies: 36
Views: 3257

Re: Quality/Value/Momentum Index

deleted
by Ever Ready
Mon Apr 27, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 40
Views: 6227

Re: MSCI Diversified Multi-Factor Index

canslough,
Thank you for the correction. I hope this is the case.
by Ever Ready
Mon Apr 27, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 130
Views: 15825

Re: PXSV has changed indexes

Robert T wrote: (i) If you are unsure about factor exposure, then focus on expense i.e. VBR is cheapest (ii) If you want highest size and value loads without regard to alpha (making the assumption that alpha varies randomly around a long-term value of zero – sometimes positive, and sometimes negati...
by Ever Ready
Mon Apr 27, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 40
Views: 6227

Re: MSCI Diversified Multi-Factor Index

Ketawa,

Sorry, I was talking about the new Ishares multi-factor ETFs, not AQR.
by Ever Ready
Mon Apr 27, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 40
Views: 6227

Re: MSCI Diversified Multi-Factor Index

pauliec84, Thanks for the quick reply. 1) If you have access to AQR funds this is best multi-factor approach. No access. But they cancelled US small and EM funds. 2) I don't like the Quality Mix funds as they give you very minimal exposure to factors (see below). Agree, but not many good alternative...
by Ever Ready
Mon Apr 27, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 40
Views: 6227

Re: MSCI Diversified Multi-Factor Index

Sadly there will be no domestic small or emerging market multi-factor ETFs.


What are the best candidates for these slots? I use QEMM for EM, thinking about IESM for US Small.
by Ever Ready
Mon Apr 27, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: How Smart are 'Smart Beta' ETFs? Analysis of Relative Perfor
Replies: 3
Views: 550

Re: How Smart are 'Smart Beta' ETFs? Analysis of Relative Pe

long-term investors can obtain similar or better performance than Smart Beta funds from a simple mix of a risk-free asset and a portfolio which combines passive cap-weighted exposure to market, size and value premiums, while paying a fraction of the cost. This is not the three fund portfolio, this ...
by Ever Ready
Thu Apr 16, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 4
Views: 540

Re: Roth IRA

You may find this helpful.

http://www.bogleheads.org/wiki/Backdoor_Roth_IRA

Also check out the tutorial by tfb referenced above it and the external links at the end.
by Ever Ready
Tue Apr 07, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 9346

Re: Sell in May and go away

Buy in May and then just stay (the course)!
by Ever Ready
Wed Mar 11, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 43
Views: 6553

Re: Vanguard Managed Payout to add new fund

"Vanguard Plan To Launch Alt Fund Raises Eyebrows" http://www.valuewalk.com/2015/03/vanguard-alt-fund/ "Vanguard Group, a low-cost mutual fund industry behemoth, intends to launch a new multi-alternative mutual fund called the Vanguard Alternative Strategies Fund, kicking off a passio...
by Ever Ready
Wed Mar 11, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: volatility ETF to hedge the falling stock risk
Replies: 14
Views: 1494

Re: volatility ETF to hedge the falling stock risk

Interesting discussion here:

"The VIX as a hedge of market risk"
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=111499

including Larry Swedroe and William Bernstein
by Ever Ready
Sun Mar 01, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 43
Views: 6553

Re: Vanguard Managed Payout to add new fund

I think I just heard Mr. Bogle retching.
by Ever Ready
Wed Feb 11, 2015 11:48 am
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 17313

Re: Where is John C. Bogle's Presidential Medal of Freedom?

Is there any way that Vanguard might agree to put a link to the petition on their web site?
by Ever Ready
Wed Jan 07, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax - Virginia
Replies: 13
Views: 1093

Re: Estimated tax - Virginia

deleted
by Ever Ready
Wed Jan 07, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax - Virginia
Replies: 13
Views: 1093

Re: Estimated tax - Virginia

The Virginia booklet for Estimated Taxes includes four coupons. Can I just send Coupon #4 with my check? Do I need to do anything else? Yes just send Voucher 4 with your check. Read the "Payment Schedule" table at the end of Part 1. Also be sure to check the box on the voucher and send to...
by Ever Ready
Fri Nov 14, 2014 10:30 am
Forum: Investing - Theory, News & General
Topic: Showing the positive gains of long term investing
Replies: 1
Views: 482

Fishing Lesson

In order to show an image in a post on this site, you must host the image on the internet, then put a link to the url addresss of the image in your post using the "Img" button. Here is a list of websites you could use to host the image, most are free: https://en.wikipedia.org/wiki/List_of_...
by Ever Ready
Fri Nov 14, 2014 8:33 am
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 4545

Re: a look at gold and its hedging value

Consistent with prior research findings, investors turn to gold as a store of value in times of turbulence. Thus, it consistently acts as a short-run—30 days during recessions and 80 days during expansions—hedge for all assets studied. So instead of the usual static allocation, maybe buy some gold ...

Go to advanced search