Search found 591 matches

by anil686
Sun Apr 23, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Orlando Disneyland advice
Replies: 7
Views: 210

Re: Orlando Disneyland advice

Been many times and typically go once per year - to start with your questions: 1) standard ticket is one park per day - park hopper allows you to go in between parks. 2) typically a whole day at Magic kingdom with kids your age since there a lot of shows/parades/rides for all ages. it is a long day ...
by anil686
Sun Apr 23, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 65
Views: 5405

Re: Any regrets living a frugal life for high income/high networth individuals?

Yes - 1) Waiting too long to remodel a house. Thus, right before we sell the house, we add paint or get a new appliance to replace one that is not working well and wish we would have done that sooner so we would have enjoyed it. That comes because my spouse and I don't like spending money and can &q...
by anil686
Sun Apr 23, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: A Little History [from old bank statements]
Replies: 15
Views: 1452

Re: A Little History

Howdy Point taken. However, 5 year CD s now are running 2.5%. :D Paying off that mortgage is still a pretty reasonable idea. W B My point is that the current rate is not the only one to consider. What will the rates be 5 years from now, or 10 years? We don't know the answer to that. However, from a...
by anil686
Sat Apr 22, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Index investing question
Replies: 22
Views: 1457

Re: Index investing question

So as you can see, about 1/12 of equity assets are indexed. I think this figure is off. Vanguard funds alone own close to 1/12 of AAPL. They're not quite there yet, but at the pace Vanguard is gathering assets currently, they'll be there in a couple of years. this data is from 2014 - the most recen...
by anil686
Fri Apr 21, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the right Fund for Metals?
Replies: 7
Views: 931

Re: Is this the right Fund for Metals?

Hi, Im relatively new to investing and recently decided to add precious metals to my portfolio, I was wondering if this is the right fund to go into (VGPMX). Also, if I wanted to get into gold, what is the best way to do it on Vanguard? Thanks Leo Vanguard Precious Metals and Expense Fund (VGPMX) i...
by anil686
Fri Apr 21, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Index investing question
Replies: 22
Views: 1457

Re: Index investing question

You should really google bogleheads what if everybody indexed - that will let you know everything you need. Suffice it to say - even with the "trend" to index that you point out - about 1/3 of mutual fund assets are indexed (and to different indices) - and mutual funds make up 1/4 of equit...
by anil686
Thu Apr 20, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1634

Re: Should I purchase Apple Care for my new Apple Watch?

My spouse dropped one on the face on hardwood and it shattered - we had apple care - cost was $69 plus tax to fix. After 3 mos - there is warranty. Credit card doubles the warranty - six months. Again you decide. I have a 2.5 year old original watch - going strong - has not broken - wasted apple car...
by anil686
Sun Apr 16, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 2905

Re: New phone..any advantages to buying at Costco?

Shop Discover has Apple as a 5% cash back retailer - I normally order my phone through Apple since the price is fixed and save the 5% - ships to your house as well...
by anil686
Sun Apr 16, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: International Portfolio Tilt
Replies: 18
Views: 1866

Re: International Portfolio Tilt

I agree with the OP's thinking to a point. One of the issues, though, with valuations for a US investor in an international index is that it is done in home currency. To some extent, this a currency play on the strong US dollar. For example, the MSCI ex-USA index in 2015 in home currency showed a po...
by anil686
Sun Apr 16, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 6102

Re: Is it necessary to diversify across Factors?

Recently performance for the S&P indexes for the prior 10 year period was : 7% - 500 9% - mid-cap 9% - small-cap So the smaller funds appear to be efficient at various times in the business cycle. There are good companies in the smaller cap funds. Bogle's 5 fund portfolio invested in them. What...
by anil686
Sat Apr 15, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 5773

Re: Anyone else decided not to finish med school?

We have some friends whose son went to medical school. He finished the first year, and started into the second year when he decided to not pursue it anymore, for a few reasons (among them amount of debt needed to finish, and the impact to time with spouse, realizing that he won't make tons of money...
by anil686
Sat Apr 15, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5802

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Part II One thing I want to say that I met with 4 people that manage their own funds. These are people close enough that they invited me to their house and 3 out of 4 actually logged into their accounts and showed me exactly what they have. Talk about complexity! They do have the popular instrument...
by anil686
Wed Apr 12, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: ~20 year long investing
Replies: 17
Views: 1443

Re: ~20 year long investing

What you are missing with your assumptions is using CAGR from past returns going forward. Valuations are very different now than they were in the early 1970s and the 1980s. Nobody knows what the returns will be for an asset class over the next 20 years per se - but I have not seen any projections as...
by anil686
Fri Apr 07, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Drive Apple Up?
Replies: 27
Views: 2343

Re: Do Index Funds Drive Apple Up?

Possibly - but Mr. Bogle makes an argument it does not. He describes the situation in 1999 with respect to Microsoft - then one of the largest holdings in the index in Common Sense on Mutual Funds. It is not index funds that drive Microsoft up - it is actively managed mutual funds. His explanation w...
by anil686
Sun Apr 02, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Since robots are cheaper than humans expect smart beta to beat the indices
Replies: 11
Views: 1609

Re: Since robots are cheaper than humans expect smart beta to beat the indices

What seems to make sense in theory does not always hold true in practice. Schwab's fundamental index mutual funds seem to have very similar returns over a 10 year period to Vanguard's cap weighted counterparts. maybe that is because growth has done better than value during the fundamental index fund...
by anil686
Sun Apr 02, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 45
Views: 5166

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

Nobody knows... I will say that this board way overestimates the common person's interest in investing (I do the same). I was at a get together a few weeks ago and the subject of investing came up via a person referring to their adviser. Another person mentioned the SP500 - literally a few people (w...
by anil686
Mon Mar 27, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth
Replies: 16
Views: 830

Re: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth

Are you currently adding to the Russell Growth index (i.e. DCA) or just a lump sum that has been sitting there? If it is just a lump sum - Value has shown to do better than growth over a longer horizon. However, if you DCA it probably does not matter much. For example, from 1998 to now - Large Cap g...
by anil686
Sun Mar 26, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: S&P Index Funds at Vanguard
Replies: 8
Views: 1194

Re: S&P Index Funds at Vanguard

I dont disagree with your criticisms of S&P, but the holdings are true small cap, rather than holding a blend of mid/small cap. I like DFA and that would be my #1 choice, especially for small cap value, but for those without access, the S&P 600 Index is a more pure small cap fund, but I do ...
by anil686
Sat Mar 25, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 5302

Re: Are Bogleheads in the minority on the use of investment advisors?

Also just returned from a trip seeing my sister who also use a financial advisor. I think Bogleheads are not necessarily in the minority - but I think more people would use them if they had investment needs outside of a 401K. My sister and her husband both have high incomes and can save outside of r...
by anil686
Thu Mar 23, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6069

Re: Justification for Adding REITs

Rick Ferri wrote in All About Asset Allocation 2nd edition that most real estate is privately held - not publicly held by corporations. Thus real estate makes up a disproportionate share of the economy than what it is represented in TSM. I think (and it has been a few years since I read it) that it ...
by anil686
Thu Mar 16, 2017 2:25 am
Forum: Investing - Theory, News & General
Topic: Vang Tot Stock Mkt Index Composition
Replies: 17
Views: 1669

Re: Vang Tot Stock Mkt Index Composition

:sharebeer If it is easy to get the ETF but there is substantial friction to getting the mutual fund, then you probably just want to go with the ETF. On the other hand, years into the future it will hopefully have too much embedded gain to be moved easily (although an in-kind transfer would still li...
by anil686
Fri Mar 10, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: HSA (Tax + Penalty) vs Taxable? HSA always wins?
Replies: 13
Views: 1296

Re: HSA (Tax + Penalty) vs Taxable? HSA always wins?

Are you including the tax drag of a taxable account? Good question. I always think tax drag for TSM is fairly negligible since it is normally 90% + QDI and with opportunities for TLH - it comes out in the wash - JMO. Of course for tax inefficient investments or actively managed funds - it can be mu...
by anil686
Fri Mar 10, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5381

Re: Investing when market is peaking

Would this same advice (lump in now) be the best course for someone with a similar investment horizon, but much larger lump sum, say in the ~300k range? Does the value invested matter at all - is there a point on the curve in which DCA will likely be significantly better than lumping due to the raw...
by anil686
Thu Mar 09, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: rachio smart sprinkler controller
Replies: 6
Views: 518

Re: rachio smart sprinkler controller

I have one and like it. I don't know about saving a lot of water - depends on where you live and how much rain you get. The more rain - the more it will save as it uses the internet to determine weather and whether to run the sprinklers on that day. You can add an optional rain sensor that makes it ...
by anil686
Wed Mar 08, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio Help- 31 y/o 1st time poster
Replies: 12
Views: 887

Re: Investment Portfolio Help- 31 y/o 1st time poster

I would put it all in a target date fund and forget about it. I know that sounds pretty basic but I think it holds some signficant advantages behaviorally compared to the three fund (which I use in a taxable account but not in my 401K/IRA which are in TR funds or LS funds). 1. While slightly higher ...
by anil686
Wed Mar 08, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab index funds VS. Vanguard
Replies: 16
Views: 1756

Re: Schawb index funds VS. Vanguard

Lately I've been seeing a lot of Schawb commercials claiming that their index funds are considerably lower cost then the Vanguard comparable funds. Interested in the forums view on this. Considerably? Really? Well that's the truthfulness of advertising I guess. Maybe they are looking at investor sh...
by anil686
Tue Mar 07, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 189
Views: 16168

Re: Betterment just raised their costs.

I just wanted to post a link to the white paper by Betterment. It is interesting that Mr. Stein did not state that you had to re-invest the tax savings to achieve the 1-2% outperformance (in actuality you are adding more capital - just taking the tax savings and re-investing it). Of course, if your ...
by anil686
Sun Mar 05, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Betterment - still good (for me) after fee increase?
Replies: 8
Views: 1090

Re: Betterment - still good (for me) after fee increase?

I was wondering if anyone saw Saturdays (3/4/17) episode of "On the Money"?(CNBC) (Robo-Advisors) Short segment with Jon Stein of Betterment, claiming Betterment can beat S&P 500 Index's consistently by 1% to 2%. Was a little taken back by the claim & the host's, say zeal, in the ...
by anil686
Sat Mar 04, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 1907

Re: TV and/or Speakers for Enhanced Voice Clarity

You can look into getting a sound bar to put either over or under her current tv - many of them are now under $150 and either are corded or Bluetooth. Even cheaper sound bars are often better than built in tv speakers and will direct the sound in front of the tv. A feature that may be helpful is cl...
by anil686
Sat Mar 04, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 1907

Re: TV and/or Speakers for Enhanced Voice Clarity

You can look into getting a sound bar to put either over or under her current tv - many of them are now under $150 and either are corded or Bluetooth. Even cheaper sound bars are often better than built in tv speakers and will direct the sound in front of the tv. A feature that may be helpful is cle...
by anil686
Sat Mar 04, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Maximizing and Utilizing Dividends during Retirement Years
Replies: 52
Views: 2608

Re: Maximizing and Utilizing Dividends during Retirement Years

Before I loaded up on VTI, I remember looking around to see if there was an ETF that represented all NON-dividend paying stocks, something which I would have been happy to own. Couldn't find one, though. Does such a beast exist? If you have a copy of Common Sense on Mutual Funds - read Chapter 13 -...
by anil686
Fri Mar 03, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: long term divi investment portfolio feedback
Replies: 11
Views: 719

Re: long term divi investment portfolio feedback

REIT funds are relatively tax inefficient which at your age and income level may or may not matter. But as you age and if your tax bracket increases - you may find yourself paying a high tax rate on the dividends from a REIT as many are not qualified for lower tax treatment at the LT cap gain level....
by anil686
Thu Mar 02, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab OneSource ETFs lower fees than admiral shares
Replies: 28
Views: 2216

Re: Schwab OneSource ETFs lower fees than admiral shares

Would advise anybody to read Chapter 5 in Common Sense on Mutual Funds "On Indexing". Mr. Bogle's point is who would want to pay a "discounted" rate for an index fund run at a low cost but managed inefficiently with respect to tracking error. If you are short the index 0.3% per y...
by anil686
Thu Mar 02, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 3854

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

Wow - thank you all for the replies. Been doing a lot of research, looks like im leaning toward 85% stock / 15% bond allocation. Since I have a Schwab account now, likely will stick with them & do something like this: 65% SWTSX 20% SWISX 15% SCHZ while continuing to max out 401k through work. Y...
by anil686
Thu Mar 02, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 3854

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

I would also manage my own - and to add another reason besides investment costs (which alone is a good enough reason) is taxes. My understanding is that you are holding these funds in a TAXABLE account. Most actively managed funds (maybe 95% or more) are less tax efficient than total market index fu...
by anil686
Wed Mar 01, 2017 12:49 am
Forum: Investing - Theory, News & General
Topic: Mutual fund and ETF class asset size
Replies: 5
Views: 428

Re: Mutual fund and ETF class asset size

I believe it is combined - I.e. All share classes - including institutional, admiral, investor, etf, etc

Hope that helps....
by anil686
Mon Feb 27, 2017 6:54 am
Forum: Investing - Theory, News & General
Topic: "Buffett: Indexing the Best Choice for Investors Large and Small"
Replies: 16
Views: 2589

Re: "Buffett: Indexing the Best Choice for Investors Large and Small"

I apologize if this is a stupid question - did the hedge funds that ran against s/p use small cap value tilts? Or were they all large blend hedge funds? If they were allowed to use small value tilts, does this prove that smart beta is a scam? He does not reveal the names of the funds nor the invest...
by anil686
Sun Feb 26, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab vs Zacks? Any experiences?
Replies: 47
Views: 2611

Re: Vanguard vs Schwab vs Zacks? Any experiences?

Hi Anil, I am very new, where can i find the AudioBooks of Investing you suggested as below? Jat the most while you read or listen to the audiobooks) will make little difference in many years. . https://www.bogleheads.org/RecommendedReading.php Some of these are on audible.com - some of my favorite...
by anil686
Sun Feb 26, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab vs Zacks? Any experiences?
Replies: 47
Views: 2611

Re: Vanguard vs Schwab vs Zacks? Any experiences?

Just to add - I would - before doing anything - read a few of the books on the wiki. They will help educate you so you know why either you or your advisor are doing the things that are being done. You can also have a better idea if what they are doing is really adding value for you as an investor. S...
by anil686
Sat Feb 25, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: mom wants smart phone, are there classes on how to use?
Replies: 40
Views: 2681

Re: mom wants smart phone, are there classes on how to use?

Get her the same phone you have (OS wise I mean). That way it is easier to FaceTime/Skype, etc. - at least that is what my parents enjoy doing with the grandchildren the most. My parents have also done the Apple classes - they really like them - and they are retired with nothing but time. They typic...
by anil686
Sat Feb 25, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: schwab lowering ER's
Replies: 27
Views: 2961

Re: schwab lowering ER's

There were two articles and one podcast I can remember in the last 12 months targeting Bogleheads (in a positive way). First was the VP of customer service at Blackrock. She said that it was in their best interest to cut ER for popular, broad market index ETFs to attract those investors who are very...
by anil686
Fri Feb 24, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: How does one figure out how Value-y an index is?
Replies: 2
Views: 232

Re: How does one figure out how Value-y an index is?

betablocker wrote:You can go to portfolio visualizer and plug the tickers into the factor regression link. Try the 3 then 4 factor data with FF and AQR. It will give you a value factor load for each and the one with the highest is the most valuey



Thanks!!!!
by anil686
Fri Feb 24, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: How does one figure out how Value-y an index is?
Replies: 2
Views: 232

How does one figure out how Value-y an index is?

I have a general question regarding the value nature of different indexes VG uses for the value funds: Value Index - CRSP Value index Russell 1000 - Russell Value index SP 500 Value - SP 500 Value index The reason I bring this up is what separates these? Over time, their performance are quite differ...
by anil686
Wed Feb 22, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10716

Re: Vanguard opens special offices for $1 million clients

Same poor customer service I'm not picking on Mr. Trap. Frankly, I'd like to thank him for bringing up a theme that is making the rounds. A theme I find to be interesting. Now, what level of service does this forum believe is appropriate for a mutual fund company to provide to it's customers? And, ...
by anil686
Wed Feb 22, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice? Leaving financial advisor (AXA) for Vanguard
Replies: 4
Views: 800

Re: Advice? Leaving financial advisor (AXA) for Vanguard

Just giving a bump to your question and hopefully more responses but I put my thoughts below and hope it helps... Questions: -What to do with windfall & surrender cash? Pay down all debt and throw some at current mortgage? I would pay down the student loan, car loans off and think about paying d...
by anil686
Wed Feb 22, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Passive Index Investing Is A Delusion
Replies: 5
Views: 1294

Re: Passive Index Investing Is A Delusion

Clearly has not read "Common Sense on Mutual Funds" - Bogle skewers those arguments in chapter 5: On Indexing. It is a really good chapter to read whenever people have doubts about index funds. This author of the article has many misconceptions of index funds and is advocating for a short ...
by anil686
Mon Feb 20, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 12168

Re: What are the big things to get right?

The big things to get right is - IMO - all on the personal/personal finance part of the ledger - investing is another story. 1. LBYM 2. Marry a spouse (if you desire to) that leads to happiness above all 3. Focus on the things that bring you joy - those likely are not going to be material items FYI ...
by anil686
Thu Feb 16, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: Why is American funds returns too good to be true?
Replies: 45
Views: 5228

Re: Why is American funds returns too good to be true?

The returns are not too good to be true IMO. I have a problem when companies use generic indexes when their products are better matched to other indices. While I agree with Larry above and know that Bill Bernstein, Charles Ellis and Jack Bogle have praised their funds and company (sans loads) - Why ...
by anil686
Thu Feb 16, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 33
Views: 2293

Re: Anniversary Trip Recommendations

Las Vegas. It really is Disney Land for grown ups. Keep away from the gambling and it's actually very inexpensive. Ridiculously sumptuous buffets for a pittance. DW and myself did one major hotel/casino each day; window shopping galore, food galore, shows galore. All very reasonably priced. OK, not...

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