Search found 2105 matches

by am
Sun Sep 25, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 27
Views: 3181

Re: "In Defense of Bonds"

I think bonds currently are just not a good deal right now. BND is sitting at a 1.89% yield. Even if I didn't want to be 100% in equities why wouldn't I just get at 3% CD instead of bonds? It isn't a option for institutional investors but it sure is for most of us. Good point. How about for mid car...
by am
Sun Sep 25, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 27
Views: 3181

Re: "In Defense of Bonds"

Another great post from the same blog : https://earlyretirementnow.com/2016/05/ ... tock-risk/

Bonds may be far more risky than stocks over the long term as they are likely to return negative real returns in the current environment,
by am
Sun Sep 25, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 27
Views: 3181

Re: "In Defense of Bonds"

Saw this blog post recently about bonds offering little diversification: https://earlyretirementnow.com/2016/08/ ... is-a-myth/

Seems to me that by investing in bonds, we are giving up short term volatility for very likely better long term returns.
by am
Fri Sep 23, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 82
Views: 9095

Re: Net Worth Milestone Today - $1.5M

I think cars should be counted in networth as they can be sold for cash if needed. I don't because I am too lazy to get the value :D
by am
Fri Sep 23, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 80
Views: 6408

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I had a workplace HSA account and brokerage account years ago. I wonder if I am eligible for this bonus? I don't know if an HSA is eligible, or if TDA even has them. Something you could ask. I don't know what the second part of the question means. Could you clarify? Earl I remember reading that the...
by am
Fri Sep 23, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 80
Views: 6408

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For the 1k bonus for 250k transfer, can you transfer Vanguard etfs and intern. Muni fund without fees? Can you buy more of these every month without fees? Can you transfer back to Vanguard after some time (not sure why I would want to anymore). Thanks. Definitely you can transfer in any Vanguard ET...
by am
Fri Sep 23, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 82
Views: 9095

Re: Net Worth Milestone Today - $1.5M

How old are you and what is your income/bracket? In any case, you are in the top percentiles of net worth in this country. Congratulations!
by am
Fri Sep 23, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 80
Views: 6408

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was knocking off a couple more transfers, including one for TD Ameritrade. This is $1000 for 250k transfer, similar to this one: https://www.tdameritrade.com/offer/300freetrades/ But targeted for existing accounts. A change is that TDA now allows doing an electronic signature on transfer requests...
by am
Thu Sep 22, 2016 9:52 pm
Forum: Investing - Theory, News & General
Topic: Help understanding the attraction to W & W [Wellington/Wellesley]
Replies: 38
Views: 3796

Re: Help understanding the attraction to W & W [Wellington/Wellesley]

Yes, a possible key to the appeal of Wellington and Wellesley is simply name recognition due to age and mutual fund size. Wellington, founded in 1929, might be the second-oldest surviving mutual fund is the fifth-oldest mutual fund (see lack_ey's post below). (MFS's Massachusetts Investors' Trust, ...
by am
Thu Sep 22, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Cash Back after spending $500
Replies: 3
Views: 894

Re: $200 Cash Back after spending $500

There are blogs and websites such as doctor of credit dedicated to deals, bonuses, high yield accounts, etc. If your aggressive, don't mind a little work, have good credit and liquid funds, you can be paid well for your efforts. This offer is nothing special compared to some previous ones I have see...
by am
Thu Sep 22, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 2656

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

Is this one of the only low,priced index funds to include China A shares or small cap emrging? Do any of the Fideltiy funds offer this? How about total international from Vanguard?
by am
Tue Sep 20, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7571

Re: I have $3,000 to gamble

Every time I get the urge to gamble with 1-5% of my assets, i think that this will make no difference in the short or long run, add complexity, and likely make me lose lose money. I did a stock market simulation app betting on oil, commodities, and Greece with 100k and lost a ton while the us market...
by am
Tue Sep 20, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 25X Expenses/Pensions
Replies: 8
Views: 1060

Re: 25X Expenses/Pensions

When the 25 (or whatever number) X expenses rule of thumb is bandied about for purposes of a retirement nest egg, does the 25X include the present value of any pensions one is entitled to now or in the future? thanks It includes anything not covered by pensions, SS, annuities, etc. If you have $5,0...
by am
Tue Sep 20, 2016 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 26
Views: 2997

Re: Why is QSPIX steadily declining?

I personally don't think the great majority of people can stick with factor investing given the tracking error, high costs, and increased complexity. While the data has been mined from the past, it is questionable in my opinion that all these factors will persist into the future given the informatio...
by am
Mon Sep 19, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 530

Re: New fidelity total intern. Index question

brisni wrote:I also have a brokerage link and use FSGDX for that purpose. It covers the whole world outside of US. It's 21% in emerging markets.

https://fundresearch.fidelity.com/mutua ... /316146141


That's the one I have but It does not include small caps. The new fund Ftipx does.
by am
Mon Sep 19, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 530

Re: New fidelity total intern. Index question

I have brokerage link. I think it would be better to have an all cap foreign developed and emerging fund. The current one I have through Fideltiy is large cap developed + emerging.
by am
Mon Sep 19, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4251

Re: What Percentage To Put In International Stock?

I recommend increased international closer to 40% as international has better valuations and has underperformed us recently. Additionally, international has a gloomier outlook in my mind which means it will surely return more in the future :D
by am
Mon Sep 19, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 530

Re: New fidelity total intern. Index question

This is 401k. My main concern is with tracking error. I also am concerned that the fund has not acquired all holdings. It holds an India index fund from another fund company-is that a concern? Tiny chance it won't survive? There is a 1% redemption fee for the large cap tot. Intern. But I can convert...
by am
Mon Sep 19, 2016 9:16 am
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 530

New fidelity total intern. Index question

I am thinking of switching to the new all cap total intern. Index fund at Fidelity but noticed that it has low assets of 30 mil and just got started. Would it be wise to wait until assets increase and the fund is more mature to switch current holding from the large cap total intern. fund?
by am
Sun Sep 18, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4251

Re: What Percentage To Put In International Stock?

It depends on how well international does in the future. Anything from 0 to market cap (about 50%) is reasonable.
by am
Sun Sep 18, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Slice And Dice International Stocks?
Replies: 3
Views: 259

Re: Slice And Dice International Stocks?

Vxus (vanguard total international) will work even better.
by am
Sat Sep 17, 2016 9:57 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 67
Views: 9067

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

With unknown inflation heading forward, is a doubling of your money after 20 years still a good deal when buying savings bonds? Get .5-1% real is about as good as you ca get. Referring to bonds and roll your own annuities is a bit of a false analogy given that they don't give you the basis payments...
by am
Sat Sep 17, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 67
Views: 9067

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

With unknown inflation heading forward, is a doubling of your money after 20 years still a good deal when buying savings bonds?
by am
Sat Sep 17, 2016 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7571

Re: I have $3,000 to gamble

FM - This fund is a frontier market fund, and quite risky. I am of the opinion that Frontier markets may be in the future what emerging markets were in the past. You get some exciting companies with FM (purchased without fee at Fidelity), such as a Nigerian beer company. I hold a very small positio...
by am
Sat Sep 17, 2016 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 26
Views: 2997

Re: Why is QSPIX steadily declining?

There are quarterly reviews on the fund website showing the performance of each substrategy of the fund, but they're past the login. Some previous ones have been posted before. The annual report gives a less detailed account and only for the whole year. Don't invest in something you don't understan...
by am
Sat Sep 17, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 26
Views: 2997

Re: Why is QSPIX steadily declining?

Don't invest in something you don't understand. Makes it hard to stick to the plan. At least when total markets go down, there is usually some reason available in the press which explains it. I remember previous black box type investments touted on here which no on one talks about anymore. Pimcos co...
by am
Sat Sep 17, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

I have aleady said repeadetly to other folks I am worried about the type of care I will be getting in 30+ years with the direction health care is trending. I feel more strongly about that since health care as become more controlled by admin. and governmental regulation. The patient and doctor relat...
by am
Thu Sep 15, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

No matter what your field, you are probably making a lot more than most people.... At what cost? You are only presenting one part of the equation and excluding expenses. How do you factor in time, loan repayment, and family sacrifice during training? Many people think doctors just woke up one day a...
by am
Wed Sep 14, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

Am, what is the median or average wRVU and specialty specific conversion factor in your specialty, in your region? MGMA or AGMA will have that data. Your administrators may have that data. Then, how much are you paid per wRVU? There aren't that many ways to game the system. Where do you think they'...
by am
Wed Sep 14, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

Being made a dupe is extremely belittling. Nobody want to feel they are being taken advantage of. However, when there are disparate interests it is inevitable. I would hire an agent (lawyer) to negotiate on my behalf if I were uncomfortable negotiating on my own behalf, or if personally negotiating...
by am
Wed Sep 14, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

I am not sure there is a norm for raises. It probably depends on specialty, location, and the employer. Exactly. You may be making far less or a lot more than you should be. Or your income may be right in line. You need to look around for other jobs. In your area if you are not willing or able to m...
by am
Tue Sep 13, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

Unfortunately, in my situation there is no negotiation. I get a base salary and a productivity bonus based on reaching a minimum number of rvus which is fairly easy to reach. Like someone said, I believe I am being short changed because of the desirable location, weak demand for my specialty, and po...
by am
Tue Sep 13, 2016 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

No Hospitals are bound by "fair market value" criteria for physician salaries, and most rely on MGMA or some other salary survey that will provide evidence in case of any Medicare audit that the salaries are in fact market based. These are specialty-specific, and COLA have nor relevance. ...
by am
Mon Sep 12, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and allocation advice
Replies: 8
Views: 450

Re: 529 and allocation advice

Thanks for the advice. Will stick with the age based plan. Would rather avoid the huge drop in money just as I need it. But maybe stocks will return more than 4-5% :D
by am
Mon Sep 12, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and allocation advice
Replies: 8
Views: 450

Re: 529 and allocation advice

Other sources of funding would ideally be some sort of scholarship but other than that loans, Cash flow, taxable account, transfer 529 money from one of the other kids who don't need much, heloc or mortgage as a last resort?
by am
Mon Sep 12, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and allocation advice
Replies: 8
Views: 450

Re: 529 and allocation advice

I invest using index funds in my 529 plan for my 12 y/o who will be starting college in 7 years. She recently turned 12 and the allocation automatically adjusted to 50% stocks, 40% fixed income and 10% money market. Should I adjust the allocation or leave it alone? What is your risk tolerance/need/...
by am
Mon Sep 12, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and allocation advice
Replies: 8
Views: 450

529 and allocation advice

I invest using index funds in my 529 plan for my 12 y/o who will be starting college in 7 years. She recently turned 12 and the allocation automatically adjusted to 50% stocks, 40% fixed income and 10% money market. Should I adjust the allocation or leave it alone?
by am
Mon Sep 12, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: projected returns
Replies: 11
Views: 916

Re: projected returns

How have predictors of returns fared going back in time and than back testing models knowing what future returns will be? Seems to me that predicting returns is like predicting future events, human behavior and future innovation all at once- impossible!
by am
Mon Sep 12, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Two Different Worlds
Replies: 12
Views: 1651

Re: Two Different Worlds

What conclusions do you draw from this? Great returns are often followed by poor ones?
by am
Mon Sep 12, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

How much is an rvu worth to my employer assuming an average to above average payer mix? When I see the bills for some of the procedures I do, makes me think I could do a couple a day and be fine!
by am
Mon Sep 12, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: How much saved at 30 to be "done saving"
Replies: 35
Views: 6255

Re: How much saved at 30 to be "done saving"

How about at age 40 if goal is to retire 55-60 with 100k income from portfolio?
by am
Mon Sep 12, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

I'd guess you get raises based on wRVUs at the median going down and salaries at the median going up. Atleast that's the trend we have been seeing. More pay for less work. No raises based on productivity. Bonuses are not transparent and supposedly based on profitability at the discretion of leaders...
by am
Mon Sep 12, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Re: Physician employment and fair salary and raises

How about salary + non guaranteed bonus 25-33% lower than median MGMA and other surveys in congested metro with rvus slightly lower than average? Should benefits like occurrence malpractice, life, disability, 5% match be taken into account?
by am
Mon Sep 12, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Physician employment and fair salary and raises
Replies: 58
Views: 5744

Physician employment and fair salary and raises

Is it common practice for physicians in employed situations to get raises or cost of living adjustments? Would you consider it fair If one has not gotten a raise for say 5 yrs but has gotten bonuses which are not guaranteed but total about 10% of total compensation? What would be fair for a physicia...
by am
Fri Sep 09, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 192
Views: 12497

Re: "Factor investing"

I have a hard time believing that when beta performs poorly for a long time, that the other factors will come to the rescue And give me positive returns. Additionally, there are issues with fund availability and costs across workplace accounts, iras, etc. Hard to believe that a little value, momentu...
by am
Fri Sep 09, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: VVGPMX -- Precious Metals and Mining up 87.34%
Replies: 12
Views: 1588

Re: VVGPMX -- Precious Metals and Mining up 87.34%

Will having something like 5% of portfolio in this fund make much of a difference other than add complexity and produce frustration as it goes for years with poor returns?
by am
Tue Sep 06, 2016 9:46 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 58
Views: 5753

Re: FTIPX-Fidelity ® Total International Index Fund : Okay to buy now ?

With such low assets, are they still buying stock to match index and therefore more likely to not track the index? I am sticking with the all large cap foreign fund for now since I think the difference in return between the 2 funds will be negligible. Not to mention that the fund has a redemption f...
by am
Tue Sep 06, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 58
Views: 5753

Re: FTIPX-Fidelity ® Total International Index Fund : Okay to buy now ?

With such low assets, are they still buying stock to match index and therefore more likely to not track the index? I am sticking with the all large cap foreign fund for now since I think the difference in return between the 2 funds will be negligible. Not to mention that the fund has a redemption fee.
by am
Mon Sep 05, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Part 2 of series on how frequency of checking values can impact returns
Replies: 22
Views: 2471

Re: Part 2 of series on how frequency of checking values can impact returns

Biweekly contributions and all time highs for the indices have made checking my portfolio on a daily basis fun. Seeing my wealth soar and financial Independence within reach truly gratifying, improving mood, confidence and enjoyment of work as I get closer to working because I want to and not becaus...
by am
Sat Sep 03, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do you stop yourself from checking your balances?
Replies: 66
Views: 3806

Re: How do you stop yourself from checking your balances?

I check but know how irrational the behavior is because I won't be using the money for years. I sometimes think I'll catch fraud or some vanguard/fidelity error. Plus after all these years I know that "dead" investors do the best :D . Occasional tax loss harvesting and that's it. Plain van...

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