Search found 698 matches

by anil686
Tue Apr 24, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Managed Beating Index?
Replies: 19
Views: 1105

Re: Managed Beating Index?

As others have said - it is sometimes hard to compare efficiently or easily. You also want to have accurate cut off points - for example - if the five year return was calculated ending 12/31/2017 - you would have to look at the index returns of that date. For example - the Vanguard LS 60/40 fund (wi...
by anil686
Sun Apr 22, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8194

Re: Boglehead Philosophy Open To Change?

I think you are very astute to note the "assumption that markets will always rise." What I think does not come through is how HUGE that assumption is. To me, anyway, it dwarfs the rest of the BH philosophy. Yet, it receives little more than lip service here. When someone brings it up, it is more of...
by anil686
Sun Apr 22, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Is mid/small cap necessary
Replies: 11
Views: 1530

Re: Is mid/small cap necessary

Nope - it is not based on the long term returns of the market. If you can stick with a plan - stick with it. I agree with others that prefer the total market index - not based on performance, risk or anything like that. It just is the essential theory of indexing - as explained by Bogle in Chapter 5...
by anil686
Sun Apr 22, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 130
Views: 7331

Re: I’m still not a fan of international bond funds

While I am not a fan of them, I am a fan of simplicity in a balanced fund buying low and selling high (the opposite of what would make me feel good - buying winners and selling losers). I can deal with the 25% bond allocation to international to help me stay the course and not be my worst enemy with...
by anil686
Sun Apr 22, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8194

Re: Boglehead Philosophy Open To Change?

I have never found this forum closed minded to different investing styles than the 3 fund - in fact almost diametrically opposite to that where almost every other question is about non 3 funding it or questioning the international component of the 3 fund IMO... A few things I would add to this threa...
by anil686
Thu Apr 19, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: How good are Vanguard bond funds?
Replies: 52
Views: 4832

Re: How good are Vanguard bond funds?

Are you reading this correctly? I am just wondering - just in Bogle's books - percentile comparisons (for example TSM) outpaces 77% of large cap blend funds - I would expect it to be in the 77 percentile. I take what you are saying backwards - that many of VG's bond funds are outpacing their competi...
by anil686
Thu Apr 19, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4138

Re: Another discussion about private vs public schools?

Also understand private schools work for you - they are directly accountable to the parents. This sounds like a good thing. In our case - I feel it was not. Our private school gave us incredibly rosy pictures of how great our kids were doing (of course at a high cost). when we moved to an area with ...
by anil686
Wed Apr 18, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3107

Re: Perks of Owning Certain Individual Stocks

I think Ben Stein in his latest book (where he recommends an investor pretty much only buy the SP500) talks about his first time buying an individual stock in LA in the mid 1970s. It was a real estate/fitness club stock and he said when he went to the shareholder meeting - it was only the family who...
by anil686
Wed Apr 18, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Does low-cost active management makes sense for international?
Replies: 8
Views: 586

Re: Does low-cost active management makes sense for international?

Possibly but probably only in tax advantaged - actively managed funds typically have cg (ST and LT) in addition to dividends that may be less qualified than the comparable international index fund...
by anil686
Wed Apr 18, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for taxable accounts
Replies: 5
Views: 582

Re: Bond allocation for taxable accounts

Can you move to Target 2020 or Target 2025 to up your bond percentage? Then keep taxable stocks (US + International)? Pick the target fund that matches your desired mix of stocks and bonds and keeps your overall/complete portfolio where you want it. This would be my suggestion too. TR funds (IMO) s...
by anil686
Tue Apr 17, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: For those that re-invest dividends automatically...
Replies: 15
Views: 2290

Re: For those that re-invest dividends automatically...

I agree with many in the thread - I don't count that as saving - I consider that part of my expected total return. It took me a while to understand that though so I get the question. The new edition of Bogle's Little Book of Common Sense Investing has a great chapter on dividends - it is pretty unre...
by anil686
Tue Apr 17, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 40
Views: 4378

Re: Tencent now largest non-US stock

They seem to be doing similar things to the tech companies here - getting into content and production in several Asian nations, expanding their apps and growing with increased use and advertising. Maybe it is time for VG to release global cap weighted value and growth index funds?...
by anil686
Sun Apr 15, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Some basic questions about bond index funds
Replies: 23
Views: 1956

Re: Some basic questions about bond index funds

It's hard to see how this is different than an actively-managed fund. Doesn't this require constant action, and judgement calls, by the fund managers? Except with actively managed bond funds - they seek to outpace the index and thus may use lower quality bonds (with higher yields - more risk) or lo...
by anil686
Sat Apr 14, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Video Recommnding World Market Cap Weight
Replies: 4
Views: 536

Re: Vanguard Video Recommnding World Market Cap Weight

Maybe - but I think VG looks at valuations too (I know - heresy!!!!). I felt their increase in the international component was pretty much based on valuations since the white paper did not show that much more diversification benefit between 20 and 40% international in a portfolio. Of course, if inte...
by anil686
Sat Apr 14, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting into TISM in taxable
Replies: 3
Views: 198

Re: Reinvesting into TISM in taxable

Either would be fine - you will be taxed on them either way. My choice is to re-invest but some like to rebalance with dividends - my taxable account is pretty straightforward with TSM and TISM and since I am adding - I just rebalance with new money...
by anil686
Sat Apr 14, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1703

Re: Which fidelity funds?

If you are using automatic investments every month- mutual funds can be more useful because they can be scheduled monthly with purchases from your bank account. One piece of advice is schedule your automatic investments after the typical dividend dates so you avoid buying the dividend. Fidelity has ...
by anil686
Sat Apr 14, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Case for Tax-Managed LifeStrategy Income, Conservative, Moderate, Growth fund of funds
Replies: 10
Views: 1041

Re: Case for Tax-Managed LifeStrategy Income, Conservative, Moderate, Growth fund of funds

The problem is not the “interest” off the bonds for accumulators (I like the idea) but rather the LT and ST cap gains from rebalancing daily. As Livesoft said above - VG could use underlying ETFs (sub VTEB for BND) but it still probably would not be tax efficient due to the LT/ST cap gain issue - JM...
by anil686
Fri Apr 13, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 90
Views: 8617

Re: Wanting to leave Fidelity

sport wrote:
Thu Apr 12, 2018 12:02 pm
I use a bank for banking and an investment company for investing. You may get better service by separating the two functions.
+2...
by anil686
Fri Apr 13, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401K with E-trade or Vanguard?
Replies: 13
Views: 1014

Re: Solo 401K with E-trade or Vanguard?

My spouse had a Solo 401K with VG - there was no charge for buying a LS fund (she did moderate growth) - FYI. also be careful of comparing expenses between balanced funds whose mandate is to rebalance daily (or close to daily) with a portfolio that you have to balance. Neither is better or worse tha...
by anil686
Thu Apr 12, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Is Revamping How It Charges You for Financial Advice
Replies: 14
Views: 2004

Re: WSJ--Fidelity Is Revamping How It Charges You for Financial Advice

goingup wrote: (I read the article yesterday but today I can't get past the paywall to reread.) Do you think that means the underlying funds won't have expense ratios? I can't imagine how that would work. If so, that's lower cost than Vanguard's PAS, which charges .30 in addition to the fund ERs. J...
by anil686
Thu Apr 12, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Questions about Benjamin Graham
Replies: 19
Views: 1609

Re: Questions about Benjamin Graham

... Passive Investing is based on the Efficient Market Hypothesis which is based on Fundamental Investment Theory ... That implies that for passive investing to work it's reliant on the EMH (it isn't). I think it's really the other way around, that because passive investing works, and because it's ...
by anil686
Mon Apr 09, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Small company 401k plans
Replies: 30
Views: 1145

Re: Small company 401k plans

As a follow up I called Vanguard early Friday. You have to give them information and they call you back. Still haven’t called back. For those who have Vanguard small company plan, is this indicative of the level of service? I ask not to complain, but to help figure out whether to rule them out as a...
by anil686
Mon Apr 09, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: what strategy would fit (VYM). High dividend yield
Replies: 6
Views: 792

Re: what strategy would fit (VYM). High dividend yield

I looked at ETF a while ago mainly because I did not know exactly what is high dividend yield. It is not exactly what you think which makes it a cool ETF (I agree). Basically they take all the top 1/2 of dividend payers (actually after the first year the top 55% to prevent a lot of turnover in the i...
by anil686
Sun Apr 08, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 5740

Re: Structuring Newlywed Finances for Fairness and Less Arguments

JMO from somebody married a long time and never spends much money (wear clothes for years/shoes for years/cars for years) versus a spouse that is relatively frugal compared to most but not as frugal as me. Work together to get a budget and see what she wants to do. In my house, I work more than my s...
by anil686
Sun Apr 08, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: 3-port vs. Vanguard LifeStrategy Funds
Replies: 4
Views: 532

Re: 3-port vs. Vanguard LifeStrategy Funds

Lifestrategy funds contain international bonds, which some want to avoid. +1 - the costs are a wash since the LS funds rebalance daily making them relatively impractical to compare to a 3 fund which is probably not rebalanced daily. Thus, in volatile times, the LS funds will be buying stocks on dip...
by anil686
Sun Apr 08, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Creative Planning
Replies: 22
Views: 8284

Re: Vanguard vs Creative Planning

I think 1% is a good deal for all of those services - maybe once. I guess what I am trying to say is paying that fee for 20+ years sounds like a lot of money needlessly spent for all of those services - many of which will not change yearly. Paying a legal firm specializing in trusts that is well kno...
by anil686
Sat Apr 07, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26050

Re: MoviePass-Too good to be true, but it's legit.

Knowing what kind of films you’ll leave the house for to see in theaters would be data highly desirable by movie studios. I have seen this written a number of times by a number of authors. I hope these questions are taken as genuine: Are you connected in any way with the movie industry? How would t...
by anil686
Sat Apr 07, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: WSJ article on Vanguard snafoos - Should Bogleheads.org get involved?
Replies: 23
Views: 3081

Re: WSJ article on Vanguard snafoos - Should Boglehead.org get involved?

Follow Mr. Bogle's advice he has given in at least five of his books - investors make the most noise when they talk with their assets. At VG - that is very simple - convert your MF to the ETF as a non taxable event and transfer in kind for taxable accounts or for tax advantaged accounts to the broke...
by anil686
Fri Apr 06, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Small company 401k plans
Replies: 30
Views: 1145

Re: Small company 401k plans

Went through this switching from Nationwide to now Vanguard/Ascensus three years ago. Vanguard uses Ascensus for smaller plans - pricing was not bad and they offer TPA services bundled. I think it is a flat fee of about $2500 per year for recordkeeping up to 25 employees and then $25 per employee mo...
by anil686
Sun Apr 01, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3092

Re: Online meals, anyone do these?

Have used Hello Fresh and Plated - liked Plated better due to variety and food quantity. We are bigger eaters and there is typically more than enough food. Hello Fresh was kind of small portions (YMMV). Cost is pretty high for the four of us - about $40 per meal - but the food is fresh, healthier an...
by anil686
Sat Mar 31, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Would appreciate some advice on opening a medical practice...
Replies: 14
Views: 1339

Re: Would appreciate some advice on opening a medical practice...

What about subleasing an office while starting and slowly building the practice? I don't want to go 2 years without making any money.....I have been told by other docs who opened offices that it takes about 6-7 months before you see a paycheck and about 1 year before you draw a small salary. The pr...
by anil686
Sat Mar 31, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Very Small Amounts Daily
Replies: 21
Views: 2646

Re: Investing Very Small Amounts Daily

Vanguard allows minimum investments as little as $1 in both TSM and TISM (in the prospectus) and I have made purchases as little as $2.72 - I normally invest monthly in a taxable account but daily would be possible I suppose. You would end up with a lot of individual tax lots if you did spec ID for ...
by anil686
Sat Mar 31, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Would appreciate some advice on opening a medical practice...
Replies: 14
Views: 1339

Re: Would appreciate some advice on opening a medical practice...

Started my own practice with a partner 8 years ago. It was the best thing we ever did - but it is tough. To your questions: 1. You need to establish an entity - or a business. You will need a TIN and get that done with the Secretary of State office and the IRS first. Before you do that - you should ...
by anil686
Wed Mar 28, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2775

Re: How many are using Automatic contributions?

Automatic at the end of the month to avoid buying the dividend in taxable account - it is the biggest reason I like mutual funds for investments...
by anil686
Wed Mar 28, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 5688

Re: Should I be worried about the S&P Index fund ?

I would reclassify those definitions for those companies but I digress - the prices for each are determined by all the market participants - clearly the vast majority of market participants believe in those valuations for various reasons - probably because your definitions for those companies are no...
by anil686
Wed Mar 28, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Why is Berkshire Hathaway classified as a Growth stock?
Replies: 19
Views: 1898

Re: Why is Berkshire Hathaway classified as a Growth stock?

Vanguard and the CRSP index consider it a value stock as does the Russell index. As others have posted - there are multiple metrics used...
by anil686
Tue Mar 27, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 1604

Re: Need wireless earbuds recommendations

I've been extremely happy with my powerbeats wireless earbuds from apple/beats by dre. They are currently $160 on their website but I imagine you can find them elsewhere for cheaper. Battery life has been great and I use them to workout most of the time. I've owned them for over a year now. I'm not...
by anil686
Sun Mar 18, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Venturing into the taxable space
Replies: 13
Views: 843

Re: Venturing into the taxable space

To increase bonds in your 401k, why not simply choose a different target date fund? Pick the one with the bond allocation you prefer, and then build your taxable account with total stock market and total international market funds/ETFs. I like this idea. I'm still quite happy with 80/20 but since i...
by anil686
Sat Mar 17, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard Drops The Ball (Cost Basis Issue)
Replies: 23
Views: 3649

Re: PSA: Vanguard Drops The Ball (Cost Basis Issue)

I'm not sure if hardball or controversial questions are allowed when the Bogleheads Conference meets with current Vanguard executives -- but the accurate cost basis discussion has come up often enough that I'd really like to hear Vanguard management's perspective on it. It comes across like they do...
by anil686
Sat Mar 17, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 2551

Re: Soft boxer shorts for men

I like Tommy John - they are comfortable but pricey. I thought the fabric was very soft and the band soft as well - please give us feedback. I stopped buying TJ because of the price...
by anil686
Sat Mar 17, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs taxable
Replies: 3
Views: 370

Re: 529 vs taxable

Hi - thought I would respond to give a bump but I don't think there is a consensus on this. I spent a lot of time thinking about this too - I finally decided to put as much in a 529 as the flagship instate college would cost for four years (total cost of attendance in state). All the rest I thought ...
by anil686
Sat Mar 17, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: How many people small value-tilt international?
Replies: 13
Views: 1401

Re: How many people small value-tilt international?

I use the Schwab Fundamental Int Small Cap - FNDC - RAFI methodology - the M* style boxes come up a little more on small and value than VSS. The ER is higher at 0.39 but is not a deal breaker for me - JMO...
by anil686
Sat Mar 10, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Is Amazon HD video better than a blu-ray disc?
Replies: 13
Views: 958

Re: Is Amazon HD video better than a blu-ray disc?

I have found it depends mainly on both the speed of your Internet provider and if your connection for the streaming box is wired or not. If you have a wired connection and over 100 up and down - I think it is pretty equivocal IMO even during peak times - again JMO....
by anil686
Thu Mar 08, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Providing client feedback to Vanguard.........
Replies: 12
Views: 876

Re: Providing client feedback to Vanguard.........

I typically get a survey less than 48 hours after I do anything with the representative. It is either via phone or email. I have been satisfied by their interactions JMO though...
by anil686
Sun Mar 04, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Investment help for 47 year old MD
Replies: 34
Views: 2652

Re: Investment help for 47 year old MD

You have a solid plan - but to your questions 1) no 2) no 3) no All IMO... Resist the urge to get back to where you want to be all at once. It is like trying to find a 50 point shot or a 40 point Touchdown - they don’t exist. Control the things you can control: 1). Maximize your human capital (fello...
by anil686
Sat Mar 03, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: A Good Fund for Taxable (Acct) 10 to 20 Year Horizon
Replies: 9
Views: 726

Re: A Good Fund for Taxable (Acct) 10 to 20 Year Horizon

Depends on your tax bracket. The higher the tax bracket - - the more I would want to limit dividends and have more capital appreciation. I am probably in the minority - but I would favor Tax Managed Capital Appreciation or the Growth index in taxable b/c of their low fees, lower dividends and tax pa...
by anil686
Sat Mar 03, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Comparison of On-Demand TV Provider features
Replies: 13
Views: 786

Re: Comparison of On-Demand TV Provider features

We switched from Verizon FIOS/Frontier cable/internet with traditional STB with DVR to YouTube TV and just FIOS internet. We have much slower speeds than 1GB (150/150) - and we love YouTube TV. The channel selection is what is probably most important - and that varies per provider. But as far as the...
by anil686
Sat Mar 03, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 73
Views: 6771

Re: Thinking of getting an Apple Watch

I would add in addition to local directions in the the US - it gives great directions overseas. Wore mine in Paris last year and rode the subway - gave exact directions for exiting the subway (a challenge in Paris) as well as accurate walking directions without having to have your smartphone out. It...
by anil686
Wed Feb 28, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio from Current Holdings for 28 y.o.
Replies: 7
Views: 1087

Re: 3 Fund Portfolio from Current Holdings for 28 y.o.

The State Street Series (both SP 500 and International) are index options. I suspect their fees are higher due to the costs of your plan being rolled into the investment options. Those would both be good choices for a 3 fund from an equity perspective (JMO). You have a stable value fund. you should ...
by anil686
Tue Feb 27, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7153

Re: AAPL, AMZN, or GOOG?

My feeling is that none of the three will be huge in 20 years (just a hunch) as tech is moving super fast and disruption is happening everywhere. But - if I had to rank them - Google>Amazon>Apple - Google has branched out effectively in areas that have allowed them to be major players in: A) web/mai...