Search found 200 matches

by Longtermgrowth
Sat Mar 25, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification & International Exposure - Fund Selection Assistance
Replies: 12
Views: 621

Re: Diversification & International Exposure - Fund Selection Assistance

Can't go wrong with a Total International fund that is commission free at your brokerage. VXUS (Vanguard Total International Stock ETF) holds small caps and emerging markets at their market cap weighting already, so no need to add other international funds unless you want to overweight small caps an...
by Longtermgrowth
Wed Mar 22, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2012

Re: Do you purposely spend with companies in your investment portfolio?

Maybe if I actually bought a large number of shares in various companies, that I could hold for as long as I wanted, with the exact amount invested in them that I wanted (I wouldn't do this because I'm just not willing to put in the work and worry of maintaining a large amount of money in individual...
by Longtermgrowth
Tue Mar 21, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 1509

Re: Schwab vs Vanguard vs Fidelity - ER fees

If it were a taxable account and I had to go with index funds over ETFs, I would want the Vanguard index funds since they benefit from the ETF share class, making them more tax efficient. This is a good point. Similarly, for an ETF buyer of assets that are expensive to trade such as small cap, emer...
by Longtermgrowth
Tue Mar 21, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 1509

Re: Schwab vs Vanguard vs Fidelity - ER fees

If it were a taxable account and I had to go with index funds over ETFs, I would want the Vanguard index funds since they benefit from the ETF share class, making them more tax efficient. Another thing to look at is securities lending revenue and what percentage of it is paid back into the fund. Som...
by Longtermgrowth
Mon Mar 20, 2017 1:50 am
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

rollsound, one thing I didn't see mentioned is if this would be in a taxable account? Roughly half of the dividends from VSS are not qualified. Maybe that doesn't matter if only holding half the amount you would otherwise hold in a total international fund like VXUS with around 70% QDI. good point,...
by Longtermgrowth
Sun Mar 19, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

^ That's interesting. I figured as much here in the United States, but didn't think of that being the case internationally.
by Longtermgrowth
Sat Mar 18, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

rollsound, one thing I didn't see mentioned is if this would be in a taxable account? Roughly half of the dividends from VSS are not qualified. Maybe that doesn't matter if only holding half the amount you would otherwise hold in a total international fund like VXUS with around 70% QDI. Is this due...
by Longtermgrowth
Sat Mar 18, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

rollsound, one thing I didn't see mentioned is if this would be in a taxable account? Roughly half of the dividends from VSS are not qualified.
Maybe that doesn't matter if only holding half the amount you would otherwise hold in a total international fund like VXUS with around 70% QDI.
by Longtermgrowth
Sat Mar 18, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 8017

Re: Citi card Nightmare

This is one of my concerns with viewing statements and paying bills online. I have considered just having credit card bills mailed to me. Is it worth saving a stamp to possibly have my credit score hurt by a late payment due to issues on their end or mine? Hope you manage to get things worked out an...
by Longtermgrowth
Fri Mar 17, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

A few points here: You have to select and international Stock Market (ex-US). Emerging market data seems entirely unreliable. It's probably best to look at the threads involving robertt to understand the Fundamental loadings - the value exposure will change and the history of the funds isn't that l...
by Longtermgrowth
Thu Mar 16, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

So I'm looking at the loadings and if anyone more knowledgeable about them can answer this (I hate to bother Mr. Swedroe again, though I still think a developed small value and emerging small value ETF comparison is a great idea for an article from him on etf.com :D ): In the "Factor Analysis S...
by Longtermgrowth
Wed Mar 15, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3342

Re: 15% International Small-Cap vs 30% Total International

Might try as suggested Schwab's fundamental indices and also Wisdom Tree products, at least worth looking at. My favorite data point for those with the deadly combination of home country and recency biases is this one 2003-07 total return (from memory so might not be exact) S&P 500 83%, EAFE 17...
by Longtermgrowth
Wed Mar 08, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 14744

Re: How Much in Your Emergency Fund And Is It Used?

I follow a modified version of the Permanent Portfolio strategy called the Golden Butterfly and it calls for 20% cash at all times (the Permanent Portfolio is 25%). So there is no need for an emergency fund. An adequate supply of cash is always there. Hopefully at re-balancing time you will add to ...
by Longtermgrowth
Tue Mar 07, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use LPL financial?
Replies: 27
Views: 1009

Re: Anyone use LPL financial?

A number of banks around here use LPL for their wealth management division. They have AUM fees in excess of 1.5% here. In a couple of family members experiences, across a few different banks, the salesperson will attempt to sell the largest variable annuity they can; since that's what they make the ...
by Longtermgrowth
Tue Feb 28, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4877

Re: Fidelity drops equity trade fee to $4.95

What is so difficult about the checking account hoop? You set it up once and forget about it. Then if you have $50k you have more free trades than you should possibly want to use. (for life, perhaps) It wasn't terrible to set the checking account up and I hope you're right about it staying simple. ...
by Longtermgrowth
Tue Feb 28, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4877

Re: Fidelity drops equity trade fee to $4.95

It would be nice if all brokerages had a certain number of free trades per month with qualifying balance that isn't too astronomical, say 250k or even 500k. Having to jump through the checking account hoop at Merrill Edge for a number of free trades is something I would rather not deal with.
by Longtermgrowth
Tue Feb 28, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: International Value and Int'l Small
Replies: 11
Views: 1118

Re: International Value and Int'l Small

I currently use VSS (VSFVX) for international small and fortunately it also includes some emerging small as well, but I have been considering changing to a combination of DLS and DGS ETF's for this. You might want to look at those two ETF's if you want more international small value, but of course ...
by Longtermgrowth
Mon Feb 27, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: International Value and Int'l Small
Replies: 11
Views: 1118

Re: International

EFV is cheap (and very tax efficient) for large-value developed. I saw EFV on your tax chart, looks pretty good. One nice thing about both VYMI and VSS is that they have roughly the same percentage Emerging Markets as Total International if OP wants just two Vanguard funds. What average market cap ...
by Longtermgrowth
Sun Feb 26, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: International Value and Int'l Small
Replies: 11
Views: 1118

Re: International

I think many here use VSS, the ETF version of VFSVX (Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares) for international small. It doesn't really have much of a value tilt going by the morningstar style map, but it's hard to find a good value fund in that space and they don't get a...
by Longtermgrowth
Fri Feb 24, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Why own individual stocks?
Replies: 88
Views: 6700

Re: Why own individual stocks?

Anybody see that Mad Money episode a few nights ago? He spent the whole thing talking about the dangers of individual stocks and how most everyone should have the majority their stock exposure through index funds. S&P 500 index fund was mentioned a number of times and something along the lines o...
by Longtermgrowth
Fri Feb 24, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4612

Re: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]

I always enjoy it when they slice another 1/100 of a percent off the expense ratio of a fund we use, even though it means almost nothing in practical terms. I guess we can now afford to go out to lunch today. Hey, if someone dropped the equivalent in cash in my lap, that would be enough to make me ...
by Longtermgrowth
Fri Feb 24, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4612

Re: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]

If you are at Fidelity and want to use commission-free ETFs, yes. Note that using VWO and VEA is not precisely the same as VXUS due to differences in indices that VXUS, VEA, and VWO follow (look at VWO). I was just thinking about possible options for TIAX, or anyone else at TD Ameritrade, since the...
by Longtermgrowth
Fri Feb 24, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4612

Re: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]

My apologies, i was thinking of VEA. So would a combo of VEA and VWO be a better recommendation if trying to get close to VXUS? I see that VEA has an average market cap of 21,023 Mil, so much closer to VXUS already - just lacking the 18.9% Emerging Markets that VWO would take care of. Those two are...
by Longtermgrowth
Fri Feb 24, 2017 2:26 am
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4612

Re: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]

If only TD Ameritrade would add VXUS to its commission-free ETF list . How about VEU (Vanguard FTSE All-World ex-US ETF)? It's on that commission free list and it looks like Vanguard lowered the ER of VEU to 0.11% as well. Looking on Morningstar (M* needs to update the ER on their site for a number...
by Longtermgrowth
Thu Feb 23, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4612

Re: VTIAX now has 0.11% ER

Nice! The ER of the ETF equivalent (VXUS) now matches the Admiral Shares, so VXUS actually dropped 2 basis points. I decided to check a few of their other international funds, and it looks like VYMI (Vanguard International High Dividend Yield ETF) went up 2 basis points in cost (0.30% to 0.32%). Isn...
by Longtermgrowth
Wed Feb 22, 2017 3:31 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 20218

Re: Extreme Valuations, and why you should reconsider

It certainly felt easy buying Total International Index back in November when it was about 9% lower than it closed today - not a bad gain there either.
by Longtermgrowth
Wed Feb 22, 2017 2:40 am
Forum: Investing - Theory, News & General
Topic: Classic juxtaposition: What Asset Allocation is "Best"?
Replies: 7
Views: 682

Re: Classic juxtaposition: What Asset Allocation is "Best"?

I like the idea of roughly age in bonds for someone in their 20's to 30's. 60/40 seems like a really good default allocation for many, maybe even before 40, especially if the investor has accumulated a significant balance earlier than expected. I've seen a lot of charts on this forum showing how 60/...
by Longtermgrowth
Mon Feb 20, 2017 4:13 am
Forum: Investing - Theory, News & General
Topic: What Could Stop Vanguard From World Domination? - Article by Ben Carlson
Replies: 19
Views: 2753

Re: What Could Stop Vanguard From World Domination? - Article by Ben Carlson

Since it's not difficult getting their ETFs commission free from some other brokerages, taking the customer service issue out of the picture, I'm guessing not much. If there wasn't a way to get Vanguard ETFs commission free anywhere else, that might put the damper on things. Unless they turn around ...
by Longtermgrowth
Thu Feb 16, 2017 3:06 am
Forum: Investing - Theory, News & General
Topic: International ETFs with 0% dividend withholding tax?
Replies: 7
Views: 617

Re: International ETFs with 0% dividend withholding tax?

Thanks for the clarification. 99%! I figured the U.K. would make up a large portion of it if market cap weighted, but didn't think it would be quite that much haha. So dividend weighting would probably bring it very high percentage U.K. and equal weighting, besides the turnover and costs, might make...
by Longtermgrowth
Thu Feb 16, 2017 1:23 am
Forum: Investing - Theory, News & General
Topic: International ETFs with 0% dividend withholding tax?
Replies: 7
Views: 617

Re: International ETFs with 0% dividend withholding tax?

Thanks for the reply. I've done a lot of searching and haven't come up with anything, so I'm pretty sure it doesn't exist. It's almost surprising because there are so many different ETFs out there. Some of them look much more ridiculous to me than the idea of an ETF holding the countries listed at 0...
by Longtermgrowth
Wed Feb 15, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: International ETFs with 0% dividend withholding tax?
Replies: 7
Views: 617

International ETFs with 0% dividend withholding tax?

Does anyone know if there are any International ETFs that specifically invest only in stocks from countries that do not withhold tax on dividends for U.S. investors? I know there are country specific ETFs, but even the U.K. ETFs I look at hold both Shell RDS-A and RDS-B shares (only B shares have no...
by Longtermgrowth
Tue Feb 14, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4975

Re: Please list value funds you currently use

whodidntante wrote:Domestic: IJS, VBR, IUSV
Developed: EFV
Emerging: DFEVX, TLTE



I see that IUSV changed its benchmark to the S&P 900 value index on 1-23-17. Had to look twice at it's ER, 0.05% isn't bad. I wonder if part of the reason for the benchmark index change was to support a lower ER?
by Longtermgrowth
Tue Feb 14, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4975

Re: Please list value funds you currently use

US: VBR, DFFVX, RZV, VIOV Dev: FNDC, SFILX EM: DGS, DFEVX I've been lamenting for years the lack of good options in the international space. I swapped out of DLS for FNDC a couple of years ago. I treat all of the category funds interchangeably although I know DGS and DFEVX are quite different. Not ...
by Longtermgrowth
Tue Feb 14, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4975

Re: Please list value funds you currently use

You know, for this thread and almost every other thread, it would be so much more user friendly and helpful if people would include the names of their funds. Some of you may have memorized every symbol known to man, but most of us haven't. Would it be so hard to include the names with your symbols?...
by Longtermgrowth
Mon Feb 13, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 4975

Please list value funds you currently use

Those here that tilt to domestic and/or international value rather large, mid or small caps: Please list the funds you currently use for your value tilt. Example desired reply format listing tickers used, rather called a value fund or simply falling in the category based on the morningstar style box...
by Longtermgrowth
Sun Feb 12, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments
Replies: 16
Views: 1373

Re: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments

Could you please guide me to identify which ETFs have the same consistency as Vanguard Wellesley's and Vanguard Wellington's equity component. I am interested in creating similar asset allocation but with tax exempt/efficient bonds. Many thanks in advance. I think most here would say to use Vanguar...
by Longtermgrowth
Wed Feb 08, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7510

Re: A Wellesley alternative

1/3 SCHD Schwab 100 dividend fund 1/3 VCIT Vanguard corp etf 1/3 Intermediate treasury Reason....Will share after I absorb all of the attacks. How about VYM (Vanguard High Dividend Yield ETF) for the stock portion? VYM tracks the FTSE High Dividend Yield Index. Looks like Wellesley picks 60 stocks ...
by Longtermgrowth
Tue Feb 07, 2017 2:05 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 38372

Re: Bank of America/Merrill Edge - Preferred Rewards

Am I the only one about harassed to death by phone calls? Besides the initial calls to set everything up, I got quite a few calls from the same number not leaving messages. That number turned out to be an "investment consultant" that left a voicemail eventually. Then another left a voicema...
by Longtermgrowth
Sat Feb 04, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Different investing methods & high dividend paying stocks
Replies: 20
Views: 2178

Re: Different investing methods & high dividend paying stocks

^ All good things to keep in mind if putting a large portion of portfolio in these funds. VYM is close to the S&P 500 on percentages in sectors, but it was heavy in financials in 2009. Did they change the maximum allowed in one sector for VYM after that? I seem to remember reading something abou...
by Longtermgrowth
Fri Feb 03, 2017 11:53 pm
Forum: Investing - Theory, News & General
Topic: Different investing methods & high dividend paying stocks
Replies: 20
Views: 2178

Re: Different investing methods & high dividend paying stocks

^ I like the perpetual safe withdrawal rate link ( https://portfoliocharts.com/2016/12/09/perpetual-withdrawal-rates-are-the-runway-to-a-long-retirement/ ) from this post in "Thoughts on Living Off Interest/Dividends": https://www.bogleheads.org/forum/viewtopic.php?f=2&t=209865#p3219998
by Longtermgrowth
Fri Feb 03, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Different investing methods & high dividend paying stocks
Replies: 20
Views: 2178

Re: Different investing methods & high dividend paying stocks

I think the safest bet, even for someone that would otherwise spend a lot of time researching individual stocks, is probably one of the dividend funds. That is if you don't want to just hold Total Stock Market Index and sell shares to make your own dividend when/if needed. Out of the Vanguard divide...
by Longtermgrowth
Tue Jan 31, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice.. where do I go from here?
Replies: 12
Views: 1214

Re: Portfolio Advice.. where do I go from here?

The only thing I see in that list I like is IJS. Some here use it to tilt to small cap stocks, but keeping it simple you could just use three iShares commission free ETFs or Fidelity's total stock and bond market index mutual funds if avoiding ETFs. If going with ETFs, the commission free iShares IT...
by Longtermgrowth
Mon Jan 30, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: How to Reduce Your Cost of Trading ETFs
Replies: 12
Views: 1682

Re: How to Reduce Your Cost of Trading ETFs

livesoft wrote:I'm flabbergasted by the question since this is a conclusion of the e-book. Actually, it is the major thesis of the e-book. Please re-read the e-book again.


I guess it might help just a little if I open links in the original post before asking questions :oops:
by Longtermgrowth
Sun Jan 29, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: How to Reduce Your Cost of Trading ETFs
Replies: 12
Views: 1682

Re: How to Reduce Your Cost of Trading ETFs

And I'll add one more: . Use VWO and not EEM since the latter is an intelligent trader's dream come true to take advantage of naive investors. That is, unless you are that intelligent trader. I'm very curious how a naive investor could be taken advantage of buying/selling EEM? Looks like the expens...
by Longtermgrowth
Sun Jan 29, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3429

Re: Possbile career moves without college degree

It's fairly depressing that there really aren't many more things to list. As already mentioned, learning a trade like electrician, plumber, hvac technician, might be the best bet if law enforcement is out of question. All of that takes time in trade school and/or years of apprenticeship. Probably an...
by Longtermgrowth
Sun Jan 29, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: International small cap value ETF
Replies: 50
Views: 16610

Re: International small cap value ETF

Factor loading or covariance with US LARGE cap? My priority for international is low covariance with domestic not factor loading. That is my main purpose of international. And because of sleep well concerns I try not to have a lot of assets in EM. Any thoughts? This is another reason I like the ide...
by Longtermgrowth
Sun Jan 29, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 52
Views: 5447

Re: Credit Karma for free tax prep software with efile

Foreign credit unavailability is a big deal, if I understand it correctly. Any international mutual fund has that. Form 1116, foreign tax credit, listed as being unavailable currently. I believe the credit can be claimed without being required to file form 1116 if less than $300 (double that if mar...
by Longtermgrowth
Sat Jan 28, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 52
Views: 5447

Re: Do you recommend using credit karma's tax product?

I have found 2 issues: 1 - CK seems to be handeling my dependent care tax credit incorrectly. This is causing causing $200 more in taxes than Turbo Tax. 2 - It askes litlerally zero interview question specific to my Illinois state return. I have contributed $7200 to my kids 529 account which I can ...
by Longtermgrowth
Sat Jan 28, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: International small cap value ETF
Replies: 50
Views: 16610

Re: International small cap value ETF

Both DLS and DGS have performed well but with regard to DLS: But its dividend focus does create significant concentration in countries such as Japan, the United Kingdom, and Australia since a higher proportion of companies in these countries tend to pay dividends. Its 15% exposure to the United Kin...
by Longtermgrowth
Sat Jan 28, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: International small cap value ETF
Replies: 50
Views: 16610

Re: International small cap value ETF

Would be interesting to hear from tc101 on rather or not he ever changed from DLS. Still looks like one of the best options to me along with DGS for emerging value.

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