Search found 187 matches

by MKP
Sun Jan 31, 2016 8:02 am
Forum: Investing - Theory, News & General
Topic: Graham's "margin of safety" for US stocks (1-29-16)
Replies: 61
Views: 9836

Re: Graham's "margin of safety" for US stocks (1-29-16)

Don't know what it means, but Vanguard Dividend Growth Fund and Vanguard Equity Income Fund both managed to outpace the Vanguard 500 and Long Term Investment Grade funds mentioned above, at 8.35% and 7.33%, respectively. This despite being actively managed and saddled with relatively high expense r...
by MKP
Sat Jan 30, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: Hedge Funds blame Index funds: Bogleheads referenced
Replies: 80
Views: 6708

Re: Bill Ackman actually had a point with his index fund bubble theory

I actually think about this all the time and currently I think Ackman is just trying to divert attention from his terrible returns. On the other hand it does pose a problem with management maybe doing something that you don't want them to or if you don't think mgmt is doing the most fantastic job an...
by MKP
Sat Jan 23, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: PenFed 15 month/1.51% APR CD
Replies: 3
Views: 719

Re: PenFed 15 month/1.51% APR CD

i like it - didnt see that thanks. Better than discover at .95% and better than VBISX (st-bond) without any risk.
by MKP
Sun Jan 17, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12316

Re: I'm Calling an Emerging Markets Bottom

In my case I started with market weight first, then decided to have 5%-6% allocation then increased to eventually around 9% overall. I also re-balance when it get out of bands, that helps me sell high and buy low. Dollar weighted returns are around 3.91% at end of Dec for 11 year period, again noth...
by MKP
Sun Jan 17, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 949

Re: Ibonds rates- something looks weird on TreasuryDirect

Thank you for the insight! I knew just leaving things on autopilot was too good to be true. Will have to pay attention a bit more now. Of course who knows what this skew will do in the long run, although if variable rate keeps going up I'll always be behind. You will appear to be behind, but you wi...
by MKP
Sat Jan 16, 2016 9:56 pm
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 949

Re: Ibonds rates- something looks weird on TreasuryDirect

Interesting. I was expecting them to synchronize with the next rate change Will this shift stay over the years? And if so am I being silly by having automatic purchasing go off every month vs only at the May and Nov dates? They will always be off. This will also affect the 3 month penalty if you ev...
by MKP
Sat Jan 16, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12316

Re: I'm Calling an Emerging Markets Bottom

My EM returns since 2005 for each calendar year is below: 2005 34.7% 2006 32.63% 2007 45.64% 2008 -53.64% 2009 92.28% 2010 33.61% 2011 -25.85% 2012 19.31% 2013 -3.44% 2014 -4.55% 2015 -18.5% 2016 ??? I wish someone told me to sell at end of 07, 10, and 12, and then buy at beginning of 09, 12, and a...
by MKP
Sat Jan 16, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 80
Views: 7742

Re: It sure looks like a good time to invest in oil

Around 10%... But that's not enough of a decline for me to make significant purchases (aside from my regular contributions). If I see a decline of 20% or more from peak I would start buying. For that to happen we would likely be in another recession. Several market sectors are down more than 20% fr...
by MKP
Sat Jan 16, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12316

Re: I'm Calling an Emerging Markets Bottom

I have been buying in systematically since last year as I have been down on EM. However - I wont be making a larger than normal purchase until i see single digit PEs and a P/B of around 1.3. What are current valuation metrics? From M*: Price/Prospective Earnings* 11.71 Price/Book* 1.48 Price/Sales*...
by MKP
Sat Jan 16, 2016 7:44 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 127
Views: 12316

Re: I'm Calling an Emerging Markets Bottom

I have been buying in systematically since last year as I have been down on EM.

However - I wont be making a larger than normal purchase until i see single digit PEs and a P/B of around 1.3.
by MKP
Wed Dec 16, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 3088

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Read financial news online. Invest the money in index funds. :happy this. there are at least 3 websites with the same info and they are free. Which 3 free websites do you recommend? I read yahoo/finance mainly to watch the index, but there are a lot of spam fed articles to sort through. Here are a ...
by MKP
Wed Dec 16, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 3088

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Toons wrote:Read financial news online.
Invest the money in index funds. :happy


this. there are at least 3 websites with the same info and they are free.
by MKP
Fri Nov 20, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: HSA rules dilemma
Replies: 14
Views: 2066

Re: HSA rules dilemma

SiteScopeBound wrote:How much is a kid these days? Assuming epidural, non c-section? 3-4k?


The having of the child would be under the wife's plan.

Any services reqd after birth would go against whatever plan the child is on.
by MKP
Thu Nov 19, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Emergency Portfolio with 30% Stocks
Replies: 53
Views: 4907

Re: Emergency Portfolio with 30% Stocks

Hi all. I would like to hear thoughts on this emergency fund portfolio. If you look at the fine tuning table from Paul Merriman, it shows that 100% Bonds vs 30%/70% isn't really all that different in terms of downside. http://paulmerriman.com/fine-tuning-your-asset-allocation-2014/ From looking at ...
by MKP
Wed Nov 11, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 60
Views: 4985

Re: Valuations and market timing, and the current CAPE 10

This is why I have my 70/30 portfolio even though I am only 31...
by MKP
Sun Nov 08, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: John Bogle looking at stock valuations?
Replies: 48
Views: 4241

Re: John Bogle looking at stock valuations?

dc81584 wrote:
tainted-meat wrote:While he may be changing his expectations on returns, I'm not sure it should affect one's plans except to up the savings rate if possible.


+1


some of us are already saving 100%, i guess we just need to make more money. :moneybag
by MKP
Sat Nov 07, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: John Bogle looking at stock valuations?
Replies: 48
Views: 4241

Re: John Bogle looking at stock valuations?

I think there are huge opportunities in international and emerging. P/B is around 1.5 which isn't bad and P/E has been compressed greatly over the past few years due to "crises"
by MKP
Thu Nov 05, 2015 7:34 am
Forum: Investing - Theory, News & General
Topic: Potential Energy Downside?
Replies: 27
Views: 2328

Re: Potential Energy Downside?

Who besides me was buying when the streets were red with blood back in late August? Lately, the lemmings have been showing up en masse to the party, guess they were too busy down at the beach to notice the bargains then. :) My average cost for VDE is somewhere near $85. I am not sure whether to sel...
by MKP
Wed Nov 04, 2015 8:17 pm
Forum: Investing - Theory, News & General
Topic: Potential Energy Downside?
Replies: 27
Views: 2328

Re: Potential Energy Downside?

Who besides me was buying when the streets were red with blood back in late August? Lately, the lemmings have been showing up en masse to the party, guess they were too busy down at the beach to notice the bargains then. :) My average cost for VDE is somewhere near $85. I am not sure whether to sel...
by MKP
Mon Nov 02, 2015 7:17 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Re: [Vanguard Calculated Dividend Incorrectly]

This happened for both Total Bond (investor) and Int-Term-Inv-Gr (investor) for me. In both cases I had just the "small" dividend over the weekend. This morning I now have four transactions, both "small" dividends and two "regular" dividends as it appears they should h...
by MKP
Sat Oct 31, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Re: [Vanguard Calculated Dividend Incorrectly]

I noticed this as well, but I track the number of shares that I have and they went up the correct amount on auto-reinvest, but the transaction history page shows the wrong amount. nice catch! My share count is correct, however the distribution amount is wrong. As long as I have the correct # of sha...
by MKP
Sat Oct 31, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Re: Vanguard Calculated Dividend Incorrectly

Did you hold those 750.796 shares for the entire month? Excellent point, thanks! In my case, it does not apply, though, had the shares the whole month. The only activity on this fund is the monthly distributions and I have had it since last year. My dividend from Total Bond Admiral was correct and ...
by MKP
Sat Oct 31, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Re: Vanguard Calculated Dividend Incorrectly

BoxOfUpticks wrote:
DSInvestor wrote:Did you hold those 750.796 shares for the entire month?


Excellent point, thanks! In my case, it does not apply, though, had the shares the whole month.


The only activity on this fund is the monthly distributions and I have had it since last year.
by MKP
Sat Oct 31, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Re: Vanguard Calculated Dividend Incorrectly

MKP - I found the same thing for VPAIX & VBISX this month. I never saw this before. Double checked the math, and it's clearly Vanguard's fault, either in calculating or posted incorrect distributions in the funds' pages. Unless they offset the distribution (somehow) and posted the wrong amount ...
by MKP
Sat Oct 31, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Re: Vanguard Calculated Dividend Incorrectly

navyitaly wrote:When you called Vanguard they said....


Was curious if anyone had seen it, if someone says it will work itself out I would just wait it out. Also, they aren't open today. :happy
by MKP
Sat Oct 31, 2015 12:59 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 3622

Vanguard Calculated Dividend Incorrectly

I was just checking my Vanguard account and updating my month end numbers and noticed I was paid almost no dividend for this month. My account has a distribution recorded as follows: 10/30/2015 Dividend Received 0.0480 at $10.76 $0.52 I currently hold 750.796 shares, so I am not sure how this is cor...
by MKP
Fri Oct 09, 2015 4:41 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging
Replies: 15
Views: 3387

Re: Value Averaging

Risk free rate = 0%
Equity Premium = 4% to 6%

That is my best guess, and that does not factor in inflation. If you want to factor in inflation feel free to add .25-1.25%
by MKP
Sat Oct 03, 2015 6:27 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25420

Re: Northwest FCU 3-year 3.04% Add-On CD

Did you notice the ability to do the initial transfer from multiple accounts, or did the full 10K have to come from one place? Although my starting issue was different than yours, I too could not ACH $10,000 in. Here's the strategy I got from a helpful NWFCU CSR yesterday: Open a savings account, f...
by MKP
Sat Oct 03, 2015 6:09 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25420

Re: Northwest FCU 3-year 3.04% Add-On CD

Yes, with online application, only one source can be used for funding. I actually tried to select credit card in addition to checking account, but it would only let me select one. I'm sure once the account is open that multiple sources can be used. You can always set up ACH transfer between your ex...
by MKP
Sat Oct 03, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25420

Re: Northwest FCU 3-year 3.04% Add-On CD

<Snip> Curious as to when they actually transfer the dollars versus the date of the app. <snip> Though my CD is not yet funded (I filled out my application Oct. 1, Thursday night), it shows that the money is in my account, that it was opened Oct. 2, and that the CD matures Oct. 1, 2018. I assume th...
by MKP
Sat Oct 03, 2015 5:13 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25420

Re: Northwest FCU 3-year 3.04% Add-On CD

Can someone please tell me if I can fund from multiple accounts, or does all of the money have to come from one account?

Thanks!
by MKP
Mon Sep 07, 2015 6:07 am
Forum: Investing - Theory, News & General
Topic: too much money in indexes?
Replies: 9
Views: 933

Re: too much money in indexes?

The index buys shares in the underlying companies, it isn't just sitting in an account with Vanguard.
by MKP
Sun Sep 06, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 8738

Re: Post your current employer retirement plan! (if any)

I work for a major corporation, $12 billion in annual revenue. We have access to a diversified set of funds, including all of your standard index funds along with a good selection of actively managed funds. We are charged $7.50 per quarter in administrative fees. Our company match is 1 for 1 up to 5...
by MKP
Sun Sep 06, 2015 6:54 am
Forum: Investing - Theory, News & General
Topic: What rising rates will not do
Replies: 2
Views: 768

Re: What rising rates will not do

what rising rates will do:

pay everyone more interest for money they are not using. :sharebeer
by MKP
Sat Sep 05, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33303

Re: Question for the Bogleheads Millionaires

I still think having a plan is best. Kids these days want everything now, and unless you can show them what they may have later, they will just go get the new iPhone that is fundamentally the same as the 5 before it, and so forth. Thus, they will spend all of their money and never save a dime, and t...
by MKP
Sat Sep 05, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33303

Re: Question for the Bogleheads Millionaires

I don't think the younger generations are going to make it I grew up in the 50s and 60s. Debt was a disease. If anyone had other than mortgage debt, they were embarrassed and never mentioned it Today having educational debt, consumer debt, car debt and mortgage debt is the new social norm We used t...
by MKP
Sat Sep 05, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33303

Re: Question for the Bogleheads Millionaires

Easy: Avoid that daily fancy Starbucks drink and take $5 every day and save it in a Roth IRA starting at age 20. That's $1825 saved annually. Put it in a total stock market fund, which historically has averaged ~ 10% annually. Continue to do this for 50 years. When you are 70, that $5 saved each da...
by MKP
Sat Sep 05, 2015 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33303

Re: Question for the Bogleheads Millionaires

I didnt see this response so I will say it. Get a plan. I worked at my first job out of college for 2 years until I realized I hated it more than anything I had ever done before. At that point, I created a monthly budget which would allow me to have a 1 year emergency fund and quit my terrible job. ...
by MKP
Sat Sep 05, 2015 5:03 am
Forum: Investing - Theory, News & General
Topic: All-world ex-US+ EM or Developed + EM
Replies: 6
Views: 781

Re: All-world ex-US+ EM or Developed + EM

Now that Vanguard's Developed and Emerging Indexes are adding small-caps and Canada, together they are pretty much the same thing as Total International. The only difference is that Total International will not be adding China (yet). Source? Is Vanguard really adding Canada to the Developed Market ...
by MKP
Sat Aug 29, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 10062

Re: Aug 2015 correction: what Bogleheads did...

I tax loss harvested and bought some energy index and small value with some play money.
by MKP
Mon Aug 24, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Was vanguard.com slow for anyone else this morning?
Replies: 37
Views: 2820

Re: Was vanguard.com slow for anyone else this morning?

yes - and all my trades through the brokerage were getting halted. :twisted:
by MKP
Mon Aug 24, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 7361

Re: VHT down 27% - Glitch or missed opportunity

Dont feel too bad. I was active at the time and most everything that was significantly on sale was halted.
by MKP
Mon Aug 24, 2015 6:02 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 85
Views: 12616

Re: How are you being greedy when others are fearful?

4nursebee wrote:I just changed our 401K contributions from 5% pre tax to 25% pre tax.


I did this a couple of weeks prior to the major drop - first contribution went in on thursday....

:beer
by MKP
Sun Aug 23, 2015 8:21 am
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4778

Re: Kind of getting excited about energy stocks

You can now buy VDE at early 2007 prices. At a certain point, you're getting some very good companies at a very good price. I have no idea where the trough is, but I do like the idea of buying something at a price it was at almost a decade ago. T he question is, has the world changed? In 2007, we w...
by MKP
Sat Aug 22, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 48
Views: 8195

Re: A warning on RBDs [Really Bad Days]

jalbert wrote:A better strategy is to decide on rebalancing criteria when the market is boring, and then grit your teeth and stick to them when the market is more interesting.

-jalbert


And when in doubt, do nothing
by MKP
Thu Aug 20, 2015 9:28 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 183
Views: 27053

Re: VWO seems cheap right now

tfb wrote:
sperry8 wrote:I still say $37 is the magic number... with China nosediving it may touch that all too soon.

I'm surprised this thread didn't get bumped up. A hair under $35 now.


I will buy in droves at $20. $35 still seems too high based on the currency and economic risk.
by MKP
Thu Aug 20, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: A bad day on Wall Street -- A good day for the media.
Replies: 51
Views: 5811

Re: A bad day on Wall Street -- A good day for the media.

UADM wrote:I keep saying that the fact that the market rebounded after 2008 into the biggest run in history taught people the wrong lesson... Sigh.


Yes, people forgot that stocks could go down.

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