Search found 773 matches

by RyeWhiskey
Wed Aug 24, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in smaller banks targeted by activists
Replies: 5
Views: 167

Re: Investing in smaller banks targeted by activists

This is individual stock speculation, pretty straight up. Usual advice applies: no more than 5% of your portfolio and money that you can afford to lose. :beer
by RyeWhiskey
Wed Aug 24, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Why Does Wealthfront Allocate So Much To Emerging Markets?
Replies: 4
Views: 196

Re: Why Does Wealthfront Allocate So Much To Emerging Markets?

I also think they allocate heavily to EM due to the higher expected returns. The robo-advisor business is competitive and they are probably betting that higher initial returns will draw more business. Who knows? :beer
by RyeWhiskey
Wed Aug 24, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1095

Re: How much MLP is reasonable in a portfolio?

Given your previous post, it seems as though you are performance chasing and lacking an overall investment plan. Do you have an IPS? If so, what does it say about MLPs? Furthermore, you seem to be buying high and selling low--the opposite of what you're trying to do. I'd leave this alone and let co...
by RyeWhiskey
Mon Aug 22, 2016 7:11 pm
Forum: Investing - Theory, News & General
Topic: New sector classification for REITs
Replies: 13
Views: 818

Re: "The S&P 500's new sector (Real Estate) could be a really big deal" so says CNBC

Sounds like noise to someone who is 100% Total World Stock. :wink: :beer
by RyeWhiskey
Mon Aug 22, 2016 7:08 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 90
Views: 4561

Re: What is your system for dealing with coins?

Another vote for saving them and then cashing them in at your credit union. A penny saved... :beer
by RyeWhiskey
Mon Aug 22, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Who is responsible for bank errors
Replies: 16
Views: 1229

Re: Who is responsible for bank errors

Well it's called a bank error because it is their error, not yours. No real middle ground here: the check was written for $100 and the bank processed it for $1,000. Their problem, don't budge an inch until they fix it. :beer
by RyeWhiskey
Mon Aug 22, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain
Replies: 10
Views: 526

Re: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain

Your post is slightly unclear, but if you would not purchase the individual stock right now then you should sell it when it comes into your possession (if you wouldn't buy it, why keep it?). Individual stocks are risky and you state above that you are not tolerant of this risk. Take the capital gain...
by RyeWhiskey
Mon Aug 22, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: where to start with investing
Replies: 9
Views: 704

Re: where to start with investing

Don't come up with a particular asset allocation (tilting to mid/small/EM stocks) until you have a thorough understanding of: - your need to take risk - your ability to take risk - your short/mid/long term financial needs - the basics of different asset classes (stocks vs. bonds vs. cash) - the basi...
by RyeWhiskey
Mon Aug 22, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1095

Re: How much MLP is reasonable in a portfolio?

Given your previous post, it seems as though you are performance chasing and lacking an overall investment plan. Do you have an IPS? If so, what does it say about MLPs? Furthermore, you seem to be buying high and selling low--the opposite of what you're trying to do. I'd leave this alone and let com...
by RyeWhiskey
Mon Aug 22, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new business inside your Roth IRA?
Replies: 9
Views: 388

Re: Starting a new business inside your Roth IRA?

A simple google search will reveal the basic steps you need to take regarding the IRS, filing, employees, etc. :beer Sorry, maybe I'm googling the wrong thing, but every search I've tried only comes up with pages explaining how to invest in a Roth IRA after starting a new business. A Roth IRA is an...
by RyeWhiskey
Mon Aug 22, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: CD vs Short Term Inv Grade Bond
Replies: 11
Views: 1360

Re: CD vs Short Term Inv Grade Bond

Should I be comparing 3.5% return vs Ally's 1.7% or just the 1.53% yield? CDs and bond funds, while similar in terms of large asset allocation, are very different. You should be familiar with their similarities and differences before you compare them, as failing to do so will lead to false conclusi...
by RyeWhiskey
Mon Aug 22, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: American Home Preservation Fund
Replies: 3
Views: 388

Re: American Home Preservation Fund

I stopped reading at "hedge fund." But, if you want to gamble, I'll wager that VTWSX beats whatever this fund is over the next 30 years. :beer
by RyeWhiskey
Mon Aug 22, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Being OK with sacrificing current enjoyment for future freedom?
Replies: 24
Views: 2016

Re: Being OK with sacrificing current enjoyment for future freedom?

i'm sure this has been discussed but at what point does not taking that vacation, or not buying the nicer home/car, or not splurging on a nice meal stop making sense? of course we, by virtue of being on this forum, place a premium on watching our savings and retirement accounts grow but being as to...
by RyeWhiskey
Mon Aug 22, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new business inside your Roth IRA?
Replies: 9
Views: 388

Re: Starting a new business inside your Roth IRA?

Randomguy: This Forbes article agrees with you: http://www.forbes.com/sites/deborahljacobs/2012/03/20/how-facebook-billionaires-dodge-mega-millions-in-taxes/#6829ed5565f6 Oh well. Is there anything else I should think about tax-wise when starting a new business? That article is talking about a guy ...
by RyeWhiskey
Mon Aug 22, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: SolarCity SolarBonds 6.5%
Replies: 28
Views: 3319

Re: SolarCity SolarBonds 6.5%

Linky What do you guys think? Unnecessarily risky and speculative? I'm thinking the same, but so tempting. I don't see it as tempting at all. Tempting would be 6.5% on federal bonds; obvious would be 6.5% in a stable-value fund. 6.5% on an unsecured bond from an individual company is the opposite o...
by RyeWhiskey
Fri Aug 19, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Strategy/Recommendations
Replies: 10
Views: 1294

Re: Online Savings Account Strategy/Recommendations

It's a classic complexity vs. potential return question. Sure, over time you can rack up decent bonuses but you are consistently adding in complexity. It comes down to how much you value each in relation to the other. My personally, simplicity is the goal. I have one national bank, one credit union,...
by RyeWhiskey
Fri Aug 19, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Are there other reasons besides volatility to avoid 100% equities?
Replies: 110
Views: 5945

Re: Are there other reasons besides volatility to avoid 100% equities?

I have a few general questions about asset allocation I'm hoping to get some feedback on. I've searched the forums on why someone shouldn't go all in on equities, and the most prominent and well supported argument is to avoid higher volatility. If someone is OK with that volatility, and can hold a ...
by RyeWhiskey
Fri Aug 19, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 17
Views: 1100

Re: Are all of these 401k options terrible?

There seem to be some fine options there. See @telemark advice above. :sharebeer
by RyeWhiskey
Fri Aug 19, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "How Should Younger Investors Think About Social Security?"
Replies: 33
Views: 3732

Re: Morningstar: "How Should Younger Investors Think About Social Security?"

I'm 30 and I don't even think about social security. It comes out of my wages just like other items and that's that. I also don't account for it in my retirement planning. If/when it does factor in then so much the better. :beer
by RyeWhiskey
Fri Aug 19, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?
Replies: 47
Views: 3846

Re: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?

Or maybe just go 100% SPY or 100% World Stock Index? 30 year old US investor here; I am 100% World Stock for the long haul. Advantages: simplicity, simplicity, simplicity. Holding only the one fund relieves any need to think about what sector/country/tilt will outperform and reassures me that I've ...
by RyeWhiskey
Fri Aug 19, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: non profit scholarship fund wishes BH advice
Replies: 10
Views: 433

Re: non profit scholarship fund wishes BH advice

A couple things: - that's a lot of tickers with no names and ERs - who is in charge of the portfolio? i.e. is your desire to change the funds actionable? - the math reads to me as though the AUM lost 5,000 over the time period, but you gave out 12,000, which means it gained 7,000. i haven't had my c...
by RyeWhiskey
Thu Aug 18, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund Admiral Shares
Replies: 9
Views: 851

Re: Vanguard Health Care Fund Admiral Shares

hulburt1 wrote:Been in sense it started. Is it time to get out. Made tons of money on it. The dividends are good. It's not going up like other funds are. I would leave some in.


What does your IPS say? :sharebeer
by RyeWhiskey
Wed Aug 17, 2016 6:29 pm
Forum: Investing - Theory, News & General
Topic: Better growth? Or on how the value premium ends
Replies: 127
Views: 5367

Re: Better growth? Or on how the value premium ends

If Bogle were to post here I'm sure he'd show up with a Telltale Chart in this thread. :beer
by RyeWhiskey
Wed Aug 17, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6131

Re: Dividends, and the curse of popularity

Larry, if I read the article correctly, this is directed at folks who seek out and/or screen for dividends, not someone who holds an all-market index. In other words, my Total World Index has no relevance to the point at hand, despite the fact that it yields ~2%? I want to ask for any who may misint...
by RyeWhiskey
Wed Aug 17, 2016 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Utility Holding Strategy - Feedback Please - VUIAX
Replies: 15
Views: 515

Re: Utility Holding Strategy - Feedback Please - VUIAX

I need some feedback on an approach I am thinking of. 1. Tax-Advantaged account. 2. Buy VUIAX - Vanguard Utilities Index Adm. 3. Enjoy great returns. 4. Monitor holding. If at any time the price drops below a threshold percentage sell, else keep. I've read warnings about sudden drops in price, or r...
by RyeWhiskey
Wed Aug 17, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Strategy - Investing in Short Term Reserves
Replies: 7
Views: 334

Re: 401K Strategy - Investing in Short Term Reserves

In terms of theory , it's fine. But this is one of those theories that's very difficult to actualize . A better strategy would be to invest your savings as per your IPS, then direct extra funds into an account for such a purpose. I think you'll find after a while that it's not very workable/satisfyi...
by RyeWhiskey
Wed Aug 17, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: How to replace the pre-Boglehead trading interest/time investment
Replies: 12
Views: 859

Re: How to replace the pre-Boglehead trading interest/time investment

Put 5% of your assets in a separate brokerage account and play the market.

Put the rest in index funds and see who wins over 30+ years. I've got my money--literally--on the latter (compounding ftw!). :beer
by RyeWhiskey
Wed Aug 17, 2016 1:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks
Replies: 40
Views: 4285

Re: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks

Bogle/Buffet had great ideas and these ideas spawned great philosophies. That said, we don't take everything Kant said in the 1700s as appropriate today. Nor do we take everything Plato believed to be correct as just in this day and age. The argument that Bogle/Buffet put forward to hold only domest...
by RyeWhiskey
Wed Aug 17, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit Score] Should I be opening up more credit card accounts?
Replies: 8
Views: 488

Re: [Credit Score] Should I be opening up more credit card accounts?

To clarify -- scores are typically low 800s, but sometimes drop as low as 750 depending on my utilization. I increased my limit on one card to help mitigate this (I hadn't done it in 10 years, so it was a large increase); I wasn't paying attention to utilization, with no change in spending this sho...
by RyeWhiskey
Fri Aug 12, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: advice on backyard project
Replies: 20
Views: 2100

Re: advice on backyard project

I wouldn't hire a general contractor as it'll likely be too expensive and they usually work bigger jobs. I'd contract out each part separately and one at a time; this will also help any budgeting at hand as you'll know where you stand with each item before you move onto the next. First step: Survey....
by RyeWhiskey
Thu Aug 11, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 71
Views: 5803

Re: new chapter of life started - want to save and grow money

1. Rebuild your emergency fund.
2. Reduce your spending to a more reasonable level.
3. Invest your new savings as per wiki (shelters first, etc).

:sharebeer
by RyeWhiskey
Thu Aug 11, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card choice/history quandary - what would you do?
Replies: 12
Views: 656

Re: Credit Card choice/history quandary - what would you do?

Assuming the BofA card has no annual fee, I'd definitely keep it open for the credit limit. You should familiarize yourself with what factors go into your credit score and how important each is relative to the others. :beer
by RyeWhiskey
Thu Aug 11, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Callable Contingent Interest Notes linked to Indexes
Replies: 16
Views: 617

Re: Auto Callable Contingent Interest Notes linked to Indexes

It's threads like these that make this forum so valuable. I had (and still have for the most part) no idea what an 'auto callable contingent interest note" is. But now I know that the fact that I didn't understand what it meant in the first place was enough to steer me clear, and if in doubt, a...
by RyeWhiskey
Thu Aug 11, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Would you get into [FSMEX - Fidelity Select Medical Equipment] now or wait?
Replies: 24
Views: 1344

Re: Would you get into [FSMEX - Fidelity Select Medical Equipment] now or wait?

Gist of it is I have some underperforming funds in my 401k and want to transfer a small portion of those funds to something that gets better returns and has a history of performing well. This is the definition of selling low and buying high and, generally speaking, that's the opposite of what you w...
by RyeWhiskey
Thu Aug 11, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 81
Views: 6706

Re: Bogle & Buffett on International Investing

I think Vanguard's position of 40% non-US is too high for a US investor. Vanguard's study looked at minimizing volatility, but did not consider currency risk. They also found that most of the diversification benefit for US investors was achieved at 25% non-US equities, making it hard to see how a U...
by RyeWhiskey
Thu Aug 11, 2016 3:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Vancouver,WA Bogleheads meet up
Replies: 3
Views: 319

Re: Vancouver,WA Bogleheads meet up

Have you considered the Portland Boglehead meetup? We have had folks from the other side of the Columbia each time I've attended.

viewtopic.php?p=3012714#p3012714

:sharebeer
by RyeWhiskey
Thu Aug 11, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index
Replies: 21
Views: 2579

Re: Total Stock Market Index

Why not just buy the Total World Stock Index VTWSX/VT? It would solve your international diversification dilemma, simplify your holdings, and is a fantastic fund for the long haul. Furthermore, whenever you run out of Roth space it makes for a good fund in a taxable account as well--no need to make ...
by RyeWhiskey
Thu Aug 11, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 84
Views: 7258

Re: How much international stock? A suggestion.

In terms of general Boglehead philosophy, we seem to take the following things to be truths: - Some risk is shed by diversifying. - Keeping costs low is vital. - Hold market weights as one does not know more than anyone else. - Stay the course. If we take these to be truths, then it is philosophical...
by RyeWhiskey
Thu Aug 11, 2016 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 104
Views: 26559

Re: Master Thread for Portland, Oregon

When is the next meeting, and do we have a location?
by RyeWhiskey
Wed Aug 10, 2016 6:52 pm
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 81
Views: 6706

Re: Bogle & Buffett on International Investing

The gravitational pull of Bogle's wisdom in general and his rationale for avoiding international stocks specifically are powerful forces to ignore. On the other hand, following anyone blindly or succumbing to arguments by authority don't make sense either. Obviously we all need to think for ourselv...
by RyeWhiskey
Wed Aug 10, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 2952

Re: Going short to negate going long [socially responsible investing]

FWIW, I have extremely strong political opinions that I leave at the door of investing. I'm willing to bet that every single company in the S&P 500 has something objectionable to someone (I mean, Google is considered 'socially responsible'...). My equities are 100% Total World Stock and I believ...
by RyeWhiskey
Wed Aug 10, 2016 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: No real estate allocation?
Replies: 5
Views: 382

Re: No real estate allocation?

Just under 5% of Vanguard's Total World Stock Index is in REITs. If you own a home I would be happy with this global market allocation for sure. :beer
by RyeWhiskey
Wed Aug 10, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 2952

Re: Going short to negate going long [socially responsible investing]

To avoid distraction, for the sake of argument let's move forward assuming I don't want to invest in companies that make or sell, say, window cleaner, because I morally believe all windows ought to be dirty. The strategies would be the same, just the set of companies would be different. I definitel...
by RyeWhiskey
Wed Aug 10, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the low volatility post
Replies: 9
Views: 776

Re: Part 2 of the low volatility post

And for reference:

Vanguard Global Min Volatility Index
P/E: 22.5
P/B: 2.6
Vanguard Total World Stock Index
P/E: 20.6
P/B: 2.0

:sharebeer
by RyeWhiskey
Mon Aug 08, 2016 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: How much to save
Replies: 24
Views: 2394

Re: How much to save

Hello, I'm new to this forum. What is the recommended total percentage to save if I'm in my early 30s with a household income ~500,000. Any resources would be helpful Just for perspective, I'm 30 and my current household income is less than 1/10 of yours and I save 20%. Read that as you will, but I...
by RyeWhiskey
Mon Aug 08, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Think Oregon 529 is *clearly* better than Roth - what am I missing?
Replies: 13
Views: 1217

Re: Think Oregon 529 is *clearly* better than Roth - what am I missing?

Am I right that this feature of my state's plan means it's a clear choice for the first $4,700 in my savings, at least in terms of tax-advantageousness (again, setting aside the flexibility issues etc.)? Or am I missing something? No, you are correct that the Oregon 529 is the best plan available i...
by RyeWhiskey
Mon Aug 08, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Global value funds?
Replies: 21
Views: 1899

Re: Global value funds?

I used to think about all these different options, strategies, theories, tactics, etc. But then I settled on the Total World Index and sleep better thanks to the simplicity of not overthinking. I'd also wager that it outperforms all these strategies over the long run, not necessarily because it wil...
by RyeWhiskey
Sat Aug 06, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 529 at Vanguard?
Replies: 12
Views: 895

Re: 529 at Vanguard?

My understanding is that the tax deduction almost always outweighs potential savings in ERs. This said, many states do not offer a deduction and in these cases it is obvious to seek out the lowest cost plan and go with that. :beer According to my own calculations (quick back of the envelope), once t...
by RyeWhiskey
Sat Aug 06, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Citigold minimum increasing to $200,000
Replies: 23
Views: 3879

Re: Citigold minimum increasing to $200,000

Thanks, everyone. Jack, I'd consider a credit union, but I value the ubiquity of Citi branches. I live in Washington, DC and frequently travel to New York City, and find it very helpful to always have a branch nearby. Then you will be very pleased to know that almost all credit unions are on a larg...
by RyeWhiskey
Fri Aug 05, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 70
Views: 6130

Re: new potential tenants negotiating on rent

What about agreeing to the 1500/m rent but asking for a larger security deposit?

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