Search found 1760 matches

by hollowcave2
Fri Jan 13, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: On Options position
Replies: 2
Views: 163

Re: On Options position

On the long Put position, you can still sell to close and get some money, but it's pretty close to worthless now so it doesn't matter much, but you do protect yourself against a collapse in the stock for another week. On the short Put position, it is out of the money now. Depending on the premium yo...
by hollowcave2
Wed Dec 28, 2016 12:28 am
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1406

Re: Dollar Cost Averaging

I would read the article in the Bogleheads Wiki about DCA before doing anything. If you feel comfortable investing all $100K tomorrow at all time market highs, you have more mojo than me. I get a kick out of the comments, "yeah, just put in." But it's your money and your sleep at risk. Mak...
by hollowcave2
Wed Dec 28, 2016 12:09 am
Forum: Investing - Help with Personal Investments
Topic: 1.2% Fixed Ibonds
Replies: 3
Views: 978

Re: 1.2% Fixed Ibonds

Well, if I were in this situation, I would hold onto these bonds for as long as possible. I certainly would not sell early to avoid a few pennies extra tax. You know, if you need the money, you need the money. That's part of these bonds' purpose. It is part of why we save money. But I would sell as ...
by hollowcave2
Mon Dec 26, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Global Bond ETF
Replies: 6
Views: 855

Re: Global Bond ETF

There is a Total International Bond ETF (BNDX) which may suit your needs. If you want to reach for more yield, there is also an Emerging Markets Bond (VWOB) ETF which can be used to complement your holdings. And ETFs have the advantage of no minimums. But you do need a brokerage account to buy them....
by hollowcave2
Sat Dec 24, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help me get back into the market
Replies: 24
Views: 3392

Re: Help me get back into the market

Dollar cost averaging is designed for this very question. That's why I like DCA. Nothing to do with returns. Just acting to get back into the market regardless of market conditions.
by hollowcave2
Sat Dec 24, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Bond Question - Stay or go back to TBM
Replies: 11
Views: 1527

Re: Simple Bond Question - Stay or go back to TBM

I wouldn't worry so much about mortgage backed securities. Look at the GNMA fund. If you want some downside protection, look at the GNMA chart for the past 10 years and focus on 2008. GNMA is almost a steady line. Everything else dipped in 2008. The Fed controls only short term rates. Long term rate...
by hollowcave2
Sun Dec 04, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Given EE bonds - what to do?
Replies: 12
Views: 1307

Re: Given EE bonds - what to do?

Personally, I would keep these EE bonds for as long as possible. You cannot get those rates anymore. Some of the bonds will stop earning interest soon, after 30 years. Once they mature at 30 years, that is when I would use the money. If you are looking for a better investment vehicle, you are not go...
by hollowcave2
Sun Dec 04, 2016 12:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento Bogleheads ~ Meeting 10:30 AM Sat December 10, 2016
Replies: 2
Views: 316

Re: Sacramento Bogleheads ~ Meeting 10:30 AM Sat December 10, 2016

Hey, I'll be there. I'd like to know what Bogleheads think of Factor based investing.
by hollowcave2
Sun Dec 04, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: active, passive, and factor investing
Replies: 40
Views: 2697

Re: active, passive, and factor investing

Good point salty. I guess this new term "factor" is similar to quantitative styled funds that I've seen. I am not particularly convinced of their usefulness because it seems like the manager needs to adjust these factors on a regular basis (annually?) to keep up with the best criteria. It ...
by hollowcave2
Sun Dec 04, 2016 1:24 am
Forum: Investing - Theory, News & General
Topic: active, passive, and factor investing
Replies: 40
Views: 2697

Re: active, passive, and factor investing

Holy Cow! Now it's factor investing. Whatever happened to the old time index funds? Are we to abandon indexing now to chase after the factors? I am glad I am retiring soon and am turning into an old fogie so that I don't have to deal with all of these factors. Good luck to the new generation of inve...
by hollowcave2
Thu Dec 01, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I add to Wellesley instead of Total Bond?
Replies: 26
Views: 2063

Re: Should I add to Wellesley instead of Total Bond?

Be aware that Wellesley is a managed fund whereas Total Bond is an index fund. So you need to assess for yourself if you want to add more money into a managed fund or not. Granted, Wellesley is a great fund and I own it and I don't have any problems with holding it, but you need to look at your own ...
by hollowcave2
Thu Dec 01, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: I contribute to a fund weekly. How to safely tax loss harvest?
Replies: 4
Views: 641

Re: I contribute to a fund weekly. How to safely tax loss harvest?

Vanguard will do the bookkeeping, but you can estimate the numbers this way: Just go ahead and TLH. Wash sales will be created by your contributions both 30 days before and 30 days the sale above. So subtract those contributions from the total loss and that should be your allowable loss for taxes. A...
by hollowcave2
Sat Aug 27, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: How Do ETF's Work?
Replies: 5
Views: 513

Re: How Do ETF's Work?

Even though you need to buy whole shares, most ETF's are priced way, way, way below $300 per share. Most are less than $100 per share, so you can get a better initial position with a minimal amount of money left over. And as the above posters noted, most ETF's allow automatic dividend reinvestment, ...
by hollowcave2
Mon Aug 22, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 56
Views: 6859

Re: Long wait on Vanguard Phone Lines-What's going on?

For those of you who decide to wait so long over the phone on hold.......................

Why haven't you tried the call back option?

Just wondering.

I used the call back option twice with no problems. I was called back within one hour.
by hollowcave2
Thu Aug 18, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 56
Views: 6859

Re: Long wait on Vanguard Phone Lines-What's going on?

I needed to call Vanguard over the past 2 days for clarification about my account being changed to the new brokerage structure. I wonder if that could explain some of the call volume. Anyway, rather than waiting more than 30 minutes on the phone, I was given an option for a call back. I chose this o...
by hollowcave2
Thu Aug 18, 2016 11:57 am
Forum: Investing - Theory, News & General
Topic: Automatic Vanguard brokerage account upgrades
Replies: 40
Views: 3696

Re: Forced Upgrade to Brokerage Structure

Faith, I totally agree with you. I've always loved Vanguard and still do, but sometimes these little irritations are a real pain! Also, the conversions can have some little bugs, so I watch them carefully. Yesterday, I needed to transfer $3000 from Prime to Federal to cover a $2840 trade in the brok...
by hollowcave2
Wed Aug 17, 2016 5:52 pm
Forum: Investing - Theory, News & General
Topic: Automatic Vanguard brokerage account upgrades
Replies: 40
Views: 3696

Forced Upgrade to Brokerage Structure

Well, for about a year now, I've ignored the "UPGRADE" button to switch to the new brokerage structure which would contain both Vanguard funds and ETFs in one account. I just didn't see a need for it. Looks like I can't do that anymore. Yesterday and today, my accounts are being converted ...
by hollowcave2
Tue Aug 16, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: Bonds, Aversion to Market Timing, and FIRE'ing
Replies: 28
Views: 2988

Re: Bonds, Aversion to Market Timing, and FIRE'ing

I understand the need to manage risk in bond funds. A way to do that and still participate in decent yields is to choose a fund duration that you can feel comfortable with and provides decent amount of income for the risk. In my opinion, I think intermediate duration bond funds with durations around...
by hollowcave2
Mon May 30, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: Question about Coin Collection
Replies: 15
Views: 1242

Re: Question about Coin Collection

1. What is your take on investing/buying on that one rare coin, that will complete my collection? ~$4k 2. Do you see any value in investing on the graded (PF70) proof coins? - 1986-2016 ~ $3.5k 3. How much of diversification will these proofs, proof sets and graded coin provide? 1). This is up to y...
by hollowcave2
Fri May 27, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: Books on Options
Replies: 57
Views: 2972

Re: Books on Options

Actually, Bogleheads are some of the most knowledgable investors around. Bogleheads know many things about many subjects, and that's precisely why we're Bogleheads because we know how hard it is to beat the market. Just because we aren't traders or speculate in options doesn't mean we don't know abo...
by hollowcave2
Fri May 27, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: Books on Options
Replies: 57
Views: 2972

Re: Books on Options

Options as a Strategic Investment by Lawrence McMillan is the best book on options that I've ever read.

It discusses all strategies but I don't think it's dry. For beginner and advanced students.
by hollowcave2
Wed May 25, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Short term bond funds?
Replies: 7
Views: 1191

Re: Short term bond funds?

IMHO, I wouldn't do anything if I were you. You have a long enough time horizon to hold the total bond and intermediate duration funds, so I like your holdings. The only question is where to add new money? That's an asset allocation question, so I would look at your total allocation between stocks a...
by hollowcave2
Tue May 24, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Selling VTI Covered Calls
Replies: 30
Views: 2436

Re: Selling VTI Covered Calls

I have sold covered calls before and it can work as a strategy over the long term. But be aware that once you sell covered calls on a holding, you have changed the nature of your holding. If you plan to sell calls in order to get "free income", I have to remind you that there is no free mo...
by hollowcave2
Wed May 18, 2016 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds and Preferred stocks questions
Replies: 14
Views: 1105

Re: Bond funds and Preferred stocks questions

If you are worried about rising rates, there is another option to PFF within the ETF choices. Power Shares Variable Rate Preferred (VRP) consists of preferreds with variable floating rates, so this gives you some protection with a rising rate scenario. There is a cost to that, however, as the yield ...
by hollowcave2
Mon May 16, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: REIT investment
Replies: 27
Views: 3594

Re: REIT investment

I think REITS can be a powerful addition to any portfolio, especially if you need income flow. I only hold REITS in my IRA, however. If you hold it in a taxable account, be prepared for the taxes. Also, the taxes will be complicated by "return of capital" which will change your cost basis....
by hollowcave2
Sun May 15, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Bond funds and Preferred stocks questions
Replies: 14
Views: 1105

Re: Bond funds and Preferred stocks questions

Welcome on your first post! I know you will get lots of good information here. Think about all of your options before acting. IMHO, I see no reason to change the dollar cost averaging plan (DCA) into stock funds. The only recommendation I have about that is to finish the DCA and be fully invested in...
by hollowcave2
Thu May 12, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 7060

Re: Do all Boglesheads die at 100?

Old Bogleheads never die, they just............. fade away.

Douglas MacArthur
by hollowcave2
Tue May 10, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Warning re. SavingsBonds.com
Replies: 5
Views: 1150

Re: Warning re. SavingsBonds.com

Investigation revealed that his application has no capability to differentiate between electronic and paper EE bonds and as a result it assumes that all EE bonds are paper bonds. This creates incorrect information for a lot of the data presented in the reports. Can you give an example of what kind ...
by hollowcave2
Sat May 07, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: 4% rule and interest rates
Replies: 28
Views: 4106

Re: 4% rule and interest rates

Frankly, I look forward to rising rates very much. This low interest rate environment has rates so low that it's difficult on fixed income investors. If the rates stay low, I expect to withdraw more than 4% annually just to pay expenses. Higher rates will eventually lead to higher total returns and ...
by hollowcave2
Wed May 04, 2016 10:36 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 69
Views: 12102

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: 69
Views: 12102

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: 69
Views: 12102

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: 17679

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: 2537

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: 22
Views: 3243

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: 3323

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: 1481

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: 3323

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: 2164

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: 1570

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: 4100

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: 4469

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: 3767

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: 4469

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: 3767

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: 1588

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: 1284

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: 4492

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...

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