Search found 1731 matches

by hollowcave2
Wed May 04, 2016 10:36 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 44
Views: 5339

Re: I Bond rates for May 1 announced

Mel,

Thanks for the link to your article. I enjoyed reading it, and I think it would be interesting to update it.

I want to investigate two things:

How popular is the Treasury Direct site now?
Are sales of savings bonds declining?
by hollowcave2
Tue May 03, 2016 12:23 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 44
Views: 5339

Re: I Bond rates for May 1 announced

Alright, anoop.

Good points for the long term investor.

Even with the low current rates, they still do provide a good inflation hedge. Maybe I should be glad that inflation is low.
by hollowcave2
Mon May 02, 2016 11:19 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 44
Views: 5339

Re: I Bond rates for May 1 announced

Why is the Treasury keeping the fixed rate so low? It seems if they want people to save money in these bonds, they would make the return more attractive. Who wants to buy I bonds at these rates? Doesn't the treasury want to sell these? I will keep track of savings bonds sales this year and see if th...
by hollowcave2
Sat Apr 23, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 14601

Re: Stanley Kubrick's 2001 a space odyssey

Great movie. It's one of the few movies that deliberately uses the "crushing silence" of space as an effect. (No sound at all in space.) Now that I think of it, Gravity and The Martian may have some limited use of silence in space also. But when 2001 used this effect, it was unique and dar...
by hollowcave2
Sat Apr 23, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Any good Rationale for putting riskier investments in Roth?
Replies: 26
Views: 2164

Re: Any good Rationale for putting riskier investments in Roth?

Another rationale for putting riskier funds in the Roth is that you can keep the funds invested for a long time, perhaps 20 years or more. If you can commit to that horizon, then yes, some riskier funds can work in the Roth. But not too risky. I'm talking about funds. If the advisor wants to put you...
by hollowcave2
Sat Apr 23, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Sell ibonds? Or hold?
Replies: 15
Views: 1574

Re: Sell ibonds? Or hold?

When did you buy the I-bonds? If you bought several years ago, you may have a pretty good deal. You could have a fixed rate significantly above the current I-bonds issued today. If you do have a fixed rate of 1% or above, I definitely would not sell them. You will not match that deal in any bond fun...
by hollowcave2
Thu Apr 21, 2016 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with Options Trading?
Replies: 36
Views: 2512

Re: Should I bother with Options Trading?

If selling puts, however, be prepared to buy the stock at the strike price if the stock drops below the strike. So you probably need to have the money tied up in case stock is assigned to you. I never had the inclination to sell puts, but I can understand why people do it. If you sell at a strike th...
by hollowcave2
Thu Apr 21, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Entering the market: lump sum vs DCA vs tactical asset allocation
Replies: 19
Views: 1191

Re: Entering the market: lump sum vs DCA vs tactical asset allocation

Excellent original post by noa! Great summary about lump sum and DCA! You are very accurate in your analysis! You have done your homework! So, after such an excellent OP and a good understanding of yourself and the strategies, you can make an informed decision for yourself. There is a very heavy bia...
by hollowcave2
Thu Apr 21, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with Options Trading?
Replies: 36
Views: 2512

Re: Should I bother with Options Trading?

I have some experience with options, and here's what I found: I basically didn't make any money trying to trade short term options. When I won on one, I lost on another. Short term trading is the highest risk game with the lowest chance of success. I have had some moderate success with covered calls...
by hollowcave2
Tue Apr 19, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Publishes Duration and Holdings Of Core Bond Fund
Replies: 14
Views: 1848

Re: Vanguard Publishes Duration and Holdings Of Core Bond Fund

Looks like they are updating the holdings yet. It doesn't make sense to list 31% Treasury/Agency bonds and then list them as 23% in the Government Bonds column.
by hollowcave2
Mon Apr 18, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Series EE bonds as holder for emergency funds
Replies: 9
Views: 1285

Re: Series EE bonds as holder for emergency funds

If you are using savings bonds as an emergency fund vehicle, I think that I bonds would be a much better choice than EE bonds. The benefit of EE bonds is the doubling value at 20 years, which yields about 3.5% annualized over that time. If you redeem EE's before 20 years, you are essentially getting...
by hollowcave2
Sun Apr 17, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 3385

Re: Why not buy a DIVIDEND stock?

Many financial stocks, like Bear Sterns and Lehman Brothers, paid dividends. What could go wrong?

Stocks are stocks.

BTW, the above companies don't exist today.
by hollowcave2
Sat Apr 16, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 3655

Re: I Bonds before end of the month?

You got to be real patient with EE bonds. EE's right now might as well be zero coupon bonds. But at 20 years, you do get around 3.5% annualized total return.
by hollowcave2
Sat Apr 16, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3061

Re: Coin Collecting (will coins increase or decrease in value?)

One reason to dispose of these sooner than later is that even long term capital gains on collectibles are taxed at your marginal tax rate with a maximum of 28% Yes, this is true. But I don't think the dealer needs to report the transaction to the IRS unless the transaction (or several "related...
by hollowcave2
Sat Apr 16, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 3655

Re: I Bonds before end of the month?

I am betting on the best buy for I-bonds right now is before May 1. The wild card is the fixed rate. It depends on whether it is raised significantly or not. I'm predicting a fixed rate at either 0.1 or 0.2% Recently, the savings bonds gods have been pretty stingy with that rate. The main advantage ...
by hollowcave2
Sat Apr 16, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3061

Re: Coin Collecting (will coins increase or decrease in value?)

IF they are all foreign coins in bulk, then there's probably not much numismatic value. You would need to check the melt value of the silver, however. You could take the lot to a local coin shop and see what they say. If you have the time, you can check the coins yourself. I would search for all of ...
by hollowcave2
Wed Apr 13, 2016 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bought the wrong fund, what to do.
Replies: 12
Views: 1411

Re: Bought the wrong fund, what to do.

Well, I would be inclined to leave it alone. The yields are not greatly different and you do get growth potential. I think the blend is better. I like the exposure to growth and value together.

Just my 2 cents
by hollowcave2
Wed Apr 13, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on bond fund
Replies: 10
Views: 988

Re: Need advice on bond fund

I also agree that you should not overweight the portfolio towards short term bonds because of fear of rising interest rates. Remember, for a long term investor, a rise in bond rates would benefit you over the long run. Higher rates would lead to higher total returns after a few years. Don't forget t...
by hollowcave2
Wed Apr 13, 2016 9:15 am
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 3672

Re: DCA considerations

The above post by dbr is excellent ! Very good analysis. DCA is actually designed as a short term strategy, generally 6 to 18 months, for a large sum of money available all at once. The purpose of DCA is to start investing today, without worrying if it is the "right time." If you are comfo...
by hollowcave2
Tue Apr 12, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Switching from dividend growth investing to indexing?
Replies: 18
Views: 1835

Re: Switching from dividend growth investing to indexing?

You don't need to give up dividend investing to transition to index funds. As mentioned above, Vanguard has some very good index funds that focus on dividends. If you like ETF's there's VYM is an index fund focusing on high yielding dividend stocks. VIG is an index fund emphasizing stocks with prove...
by hollowcave2
Wed Apr 06, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard's global head of fixed income discusses bonds, rising rates, and liquidity.
Replies: 4
Views: 520

Re: Vanguard's global head of fixed income discusses bonds, rising rates, and liquidity.

Great article that is well worth the read, especially: Keep in mind that rising rates are not a bad thing for long-term investors. Coupons and maturities get reinvested at higher yields, resulting in higher long-term returns. This point tends to be missed by investors looking at short term price mov...
by hollowcave2
Tue Apr 05, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Options (Holding Period) and 1099-DIV (Non-Dividend distributions)
Replies: 1
Views: 184

Re: Options (Holding Period) and 1099-DIV (Non-Dividend distributions)

You do need to report the covered call transactions. You will have a gain or loss on those. For the options that expire or bought back, the holding period determines whether it's short term (1 yr or less) or long term (more than 1 yr). Most covered calls are short term. If a call is exercised, you c...
by hollowcave2
Mon Apr 04, 2016 11:48 pm
Forum: Investing - Theory, News & General
Topic: Will I suffer major NAV loss when long term bonds mature?
Replies: 19
Views: 1011

Re: Will I suffer major NAV loss when long term bonds mature?

Hmmmm, Remember that the total return is capital gains PLUS income. If bonds were bought at a premium to par, then they should be getting higher than the current market coupon rates. These higher coupons produce income that add to the fund's assets. If the bonds were purchased near par and the marke...
by hollowcave2
Mon Apr 04, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 3672

Re: DCA considerations

DCA is just proof that what most typically do (invest regularly with the only "timing" of the market being buying whenever the paycheck comes/there's money free) works. But it's not used for and should not be used for people making decisions on how to invest large windfalls , except to th...
by hollowcave2
Mon Apr 04, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 3672

Re: DCA considerations

Dollar Cost Averaging is a great way to buy low and sell high without trying to time the market. I am a big fan of DCA, but the above statement is not true in all situations. DCA does not guarantee against loss nor does it guarantee you the lowest price when buying. DCA is simply a risk management ...
by hollowcave2
Mon Apr 04, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investing a lump sum
Replies: 5
Views: 658

Re: Advice on investing a lump sum

Hi Brian. I think most people on this board would say that if you have an asset allocation appropriate to your risk tolerance and have at least a five year horizon, then just implement your strategy. But that's easier said than done. You said in your post that you were quite nervous about putting th...
by hollowcave2
Thu Mar 24, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help me to understand Tax Loss Harvesting during a short market drop and speedy recovery
Replies: 2
Views: 297

Re: Help me to understand Tax Loss Harvesting during a short market drop and speedy recovery

If the two investments are really substantially different, they will not track perfectly, so you may have done better just by doing nothing. On the other hand, you have TLH that can offset substantial gains elsewhere and that can help you on your taxes. But there's risk and cost to everything. The r...
by hollowcave2
Thu Mar 24, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive Allocation but need help with Bonds
Replies: 25
Views: 2189

Re: Aggressive Allocation but need help with Bonds

I'd say you got some pretty good advice. The recommended allocation is pure Boglehead, all the way. Remember the total allocation is 90/10 stocks/bonds. That's only 10 % bonds. The reason they recommended 10 % bonds instead of 100 % stocks is one of risk vs return. You just don't get that much more ...
by hollowcave2
Wed Mar 09, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs TIPS in a Roth
Replies: 10
Views: 966

Re: I-Bonds vs TIPS in a Roth

First of all, while it may be possible to buy I-bonds in an IRA, I don't see it as either easy or desirable. Any IRA is under strict control and rules by a trustee or custodian, so you may need special permission or special ownership requirements to hold savings bonds in an IRA. So it's not as easy ...
by hollowcave2
Sat Feb 20, 2016 9:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Bogleheads @ McClatchy Lib 10:30 AM Sat Mar 12, 2016
Replies: 3
Views: 515

Re: Sacramento Bogleheads @ McClatchy Lib 10:30 AM Sat Mar 12, 2016

Great. Good topic for the season. I'll plan to be there.

Steve
by hollowcave2
Fri Feb 19, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage sale
Replies: 1
Views: 320

Re: Vanguard Brokerage sale

Generally, for individual stocks, it is T+3 days. So, if you sold a stock on Wednesday 2/17, you count +3 more days to settle, so that would be Thursday, Friday, and Monday. The funds will show up, free and clear, this Tuesday, 2/23. Options only have a T+1 settlement, and I not totally sure, but I ...
by hollowcave2
Sat Jan 02, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Lump Sum vs Dollar Cost Averaging
Replies: 9
Views: 814

Re: Lump Sum vs Dollar Cost Averaging

There's a lot on this board talking about LS vs. DCA, so if you want to see whole discussion threads on the topic, just use the search function and look for dollar cost averaging. I'm a big fan of DCA, and since you're making regular contributions already, one strategy is simply to continue that. Ho...
by hollowcave2
Sat Dec 19, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 43
Views: 4867

Re: Upgrade to Brokerage Account with Vanguard

With the new account you can sell a VG ETF and buy a VG mutual fund on the same day. Wow. Well, that is a significant benefit. I am impressed. But I also don't trade much, so I probably wouldn't make use of this benefit very often. Maybe I'll eventually do it. I just don't want to change something ...
by hollowcave2
Thu Dec 17, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 43
Views: 4867

Re: Upgrade to Brokerage Account with Vanguard

So if all of the mutual funds also went into the "Vanguard account," I wonder if I could sell an ETF and use those funds the same day to buy into a Vanguard fund. If that were possible, then I might see some benefit. As it stands right now, if I sell an ETF in the brokerage account, I have...
by hollowcave2
Thu Dec 17, 2015 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 108
Views: 14068

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Very good assessment in the post above. Looks like price for VGPMX will drop more from here. I expect a new all time low soon. They may have to do a reverse split on the fund. It could be a good time to buy if you have staying power and the allocation represents a small portion of your overall portf...
by hollowcave2
Thu Dec 17, 2015 6:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Bogleheads @ McClatchy Library 10:30 AM Sat Dec 12, 2015
Replies: 4
Views: 1365

Re: Sacramento Bogleheads @ McClatchy Library 10:30 AM Sat Dec 12, 2015

I had a great time meeting other Bogleheads at the recent meeting Dec 12. What a great place to meet, too. Nice old style building. Beautiful restoration. Very inspiring and comfortable for talking about market theory. 8-) You know, Boglehead style investing is ultimately............. boring !! Stay...
by hollowcave2
Thu Dec 17, 2015 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or Dollar Cost Averaging Investing?
Replies: 98
Views: 5501

Re: Lump Sum or Dollar Cost Averaging Investing?

You seem to be of the Rick Ferri school: "If that's what it takes, then do it!"


LOL

I guess I'm happy to be in the Rick Ferri school !

:shock:

:moneybag
by hollowcave2
Thu Dec 17, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or Dollar Cost Averaging Investing?
Replies: 98
Views: 5501

Re: Lump Sum or Dollar Cost Averaging Investing?

Steve, What is the Asset Allocation you have set in your Investment Policy Statement? Are you invested to that AA? L. Thanks for the question. Yeah, I get your point about setting the proper AA. I'm at 70/30 stocks/bonds and have been for about 3 years now. I went to all stocks in 2009 (lucky). But...
by hollowcave2
Wed Dec 16, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or Dollar Cost Averaging Investing?
Replies: 98
Views: 5501

Re: Lump Sum or Dollar Cost Averaging Investing?

Well, if it's your own fear and greed, get over it


Easier said than done.
by hollowcave2
Wed Dec 16, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or Dollar Cost Averaging Investing?
Replies: 98
Views: 5501

Re: Lump Sum or Dollar Cost Averaging Investing?

Markets are often affected by psychology: greed and fear.

Fear is a big factor. Anything that gets you over investment paralysis is something to consider.

And there's no guarantees with waving a dead chicken....... except perhaps it smells a little.

:D
by hollowcave2
Wed Dec 16, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum or Dollar Cost Averaging Investing?
Replies: 98
Views: 5501

Re: Lump Sum or Dollar Cost Averaging Investing?

OMG Here we go with the DCA vs. Lump Sum thread again !! AAhhhhhh!!!!! It's really a matter of personal experience and personal risk tolerance. It has nothing at all to do with mazimizing return. DCA is a risk management technique. So data mining over the years to compare DCA vs LS and see which on...
by hollowcave2
Mon Dec 14, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Question -- New Young Investor
Replies: 10
Views: 644

Re: Mutual Fund Question -- New Young Investor

I would definitely stay the course. You're assuming the market will go down this week. But everyone knows about the Fed. Have you considered the Fed raising rates less than expected? Would this cause the market to jump up? And if that happened, how would you feel about your cash holding? You're youn...
by hollowcave2
Mon Dec 14, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum to Roth or student loans?
Replies: 23
Views: 1462

Re: Lump sum to Roth or student loans?

This choice is a matter of personal preference. If I was in your situation, I would contribute the $3K to the Roth. Here's my reasoning: The 3K will not pay off the student loan and still leaves most of the loan in place. You've already sacrificed contributing to the Roth to service your loans. Well...
by hollowcave2
Fri Oct 16, 2015 10:37 pm
Forum: Investing - Theory, News & General
Topic: Why is my stock ask "missed"?
Replies: 25
Views: 2903

Re: Why is my stock ask "missed"?

If you have a low volume highly illiquid security ( as you hinted ) then it may be that there simply weren't enough buyers at your price. The Bid-Ask spread on these stocks can also be very high, so there's a big difference between buying and selling it. Once some of the higher prices are filled, an...
by hollowcave2
Fri Oct 16, 2015 10:26 pm
Forum: Investing - Theory, News & General
Topic: Getting into bonds at this point
Replies: 26
Views: 2556

Re: Getting into bonds at this point

I'm a big fan of dollar cost averaging, but in general, not for bond funds. Bond funds are less volatile than stocks (believe it or not). Also, we just had a significant drop in intermediate and longer term bond fund NAV earlier this year, so I don't think it's a bad time to buy bonds. The problem w...
by hollowcave2
Fri Oct 16, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: November I Bond Interest Rate Thread! [fixed goes from 0% to 0.10%]
Replies: 43
Views: 4368

Re: It's time for the "November I Bond Interest Rate?" Thread!

There hasn't been a decent fixed rate component since 2008 when it was at 1.2%, which sounds incredibly high now. The highest it's been since 2009 is 0.3%, and a lot of 6 month periods where it was at zero. Where's Mel with his 3% fixed rate bonds? :D I personally never buy I-bonds with fixed rates ...
by hollowcave2
Thu Oct 15, 2015 8:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new structure and direct ownership
Replies: 12
Views: 2093

Re: Vanguard's new structure and direct ownership

Thanks for all of the replies. I'm just trying to understand the organizational structure of Vanguard.

Looks like ownership stays in the family anyway.
by hollowcave2
Wed Oct 14, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new structure and direct ownership
Replies: 12
Views: 2093

Vanguard's new structure and direct ownership

Like many of you, I have received an "Action Requested" message in my Vanguard account to move all of my mutual funds into a brokerage account at Vanguard Brokerage Services (VBS). We are being assured that this will cost us nothing and provide easier and more efficient investment flexibil...

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