Search found 1396 matches

by hoops777
Tue Feb 21, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Whoopee I am still waiting to see how to accomplish this portfolio more simply and perhaps at a lower cost.That information would actually help,yes.You asked if your post helped and you have my answer.You also never explained how needlessly complex it is.I am not by any means inferring that maybe yo...
by hoops777
Tue Feb 21, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Avalpert Yes nobody said automatically negative but maybe I overreacted and took it as being implied.Water under the bridge. Maybe it is a very simplistic way to look at things, but as you said there is no certainty what anything will do the next 20 years.So I feel more secure with having 2 differen...
by hoops777
Tue Feb 21, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

It seems obvious to me.
by hoops777
Tue Feb 21, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Dspencer I never claimed that by mixing portfolios you automatically get a more diversified portfolio.If you look at your example,you are mixing 2 identical portfolios,which is the exact opposite of what I am doing! If you have 3 apples and 3 oranges and add 3 apples and 3 oranges you still have 50 ...
by hoops777
Tue Feb 21, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Goingup you make a good point.I could very well do it like you suggested,but I have been brainwashed by the Larry Portfolio :D I will be secure enough at age 70 in 5 years to not have to worry about small cap volatility as a very small pct of my investments.This combined portfolio will just be our t...
by hoops777
Tue Feb 21, 2017 4:15 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

I understand what you said and agree with most of it.What I do not understand is the point about being needlessly complex.So how does one achieve their desired allocation without owning several funds,unless they just buy one balanced fund?That is where I may be misunderstanding your post.
by hoops777
Tue Feb 21, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

It is 100 pct IRA and Roth.Nothing in taxable.
by hoops777
Tue Feb 21, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

No it does not help because what is so complex in buying 4 funds and why is that more complex than buying the 3 or 4 fund standard boglehead portfolio?I want a different allocation so what is the difference?
by hoops777
Tue Feb 21, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

I was mostly referring to another post,but I also do not think your point was very relevant to what I am proposing.I believe you are on automatic response and not really considering the actual composition of the final product.
by hoops777
Tue Feb 21, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

It kind of seems like there is a thought here that it is automatically negative to combine portfolios.The only overlap here is some treasuries which is a positive for me. I really just do not get it I guess.So what you are saying is a portfolio of small cap value,large cap value,treasuries and some ...
by hoops777
Tue Feb 21, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 61
Views: 8830

Re: A note of caution from Robert Shiller

I am not saying that market timing is a successful practice by those who try to do it over and over.It clearly is not a successful practice.I am simply saying,for example,that once in a while you can have a situation where the market has acted in a way,that a person could decide to hold off putting ...
by hoops777
Tue Feb 21, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Willthrill.....EXCEPT ONE.The hoops curse would likely have you posting 20 years from now saying except two :D At age 65,I have more confidence adding the Wellesley stocks to the mix.Kind of like my 2 year old grandson and his blankie :D Willthrill,I am pretty confident the Wellesley stocks have als...
by hoops777
Tue Feb 21, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Point one. Combining the two gives you treasuries and corporate,but more treasuries which is a positive to me.I like having more treasuries if we have a 2008 scenario again.If not,maybe the corporates give me a tiny boost. Point two Maybe small cap does not outperform but under performs in the small...
by hoops777
Mon Feb 20, 2017 11:16 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 61
Views: 8830

Re: A note of caution from Robert Shiller

Just being real here about the thousands of comments I have read here when someone starts talking about timing the market.No big deal.
by hoops777
Mon Feb 20, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: What Could Stop Vanguard From World Domination? - Article by Ben Carlson
Replies: 19
Views: 2569

Re: What Could Stop Vanguard From World Domination? - Article by Ben Carlson

S C H W A B Better customer service. Offices A lot of lower cost options Much better web site. There is something called competition and Schwab will lose it's clients if they do not treat them well.I am not drinking the Vanguard kool aid anymore about being morally superior and more trustworthy.Vang...
by hoops777
Mon Feb 20, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1155
Views: 143667

Re: What's Your Credit Card Rewards Strategy?

I love the cc reward threads.You can just sense the my strategy is the best vibe but nobody wants to actually say it :D :D :D
by hoops777
Mon Feb 20, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Merriman buy and hold strategy
Replies: 38
Views: 4796

Re: Merriman buy and hold strategy

I always play good defense and the return on that combo is pretty darn good considering the defensive nature.
by hoops777
Mon Feb 20, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 61
Views: 8830

Re: A note of caution from Robert Shiller

There are a lot of posters here who believe that you always just invest everything,no matter what has gone on in the market.It is always a great time to invest because it is a major offense to ever think of timing the market.That is one way to look at the world but there are others.
by hoops777
Mon Feb 20, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Merriman buy and hold strategy
Replies: 38
Views: 4796

Re: Merriman buy and hold strategy

After reading this thread my idea of 50 pct Wellesley and 50 pct basic Larry Portfolio is looking very,very good. :D
by hoops777
Sun Feb 19, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

Thanks for the comments and research.It makes sense to me the way my mind works,but I do not fully grasp all of the technical analysis. The way I look at it is simple.Both have done great threw good times and bad.Each one gives you something the other doesn't but the stock/bond allocations are close...
by hoops777
Sun Feb 19, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Re: Combining Wellesley and the Larry Portfolio

I guess the 2 combined does make it more like TSM and Vanguard Intermediate Bond roughly 35/65.I was thinking it is more treasuries and more small cap,which of course it is,but not sure about how much it matters.I do know one could do a lot worse.
by hoops777
Sun Feb 19, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Combining Wellesley and the Larry Portfolio
Replies: 35
Views: 1755

Combining Wellesley and the Larry Portfolio

I have read so many things lately about Wellesley and the Larry Portfolio that it got me thinking,why not go 50/50 with the two for a retirement portfolio which is mostly IRA money.Pretty simple to do and would give you a little flexibility when doing RMD's.I am still 5 years away from RMD's but it ...
by hoops777
Sun Feb 19, 2017 12:16 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4666

Re: Bonds Are Riskier Than You Think? Article implications for today?

After finally reading the article,I see it as much to do about nothing unless someone is invested in long term bonds.An intermediate or short term fund will be constantly buying new bonds at higher rates so how is this a big deal?People are not buying bonds to get rich and make stock like returns.Th...
by hoops777
Sat Feb 18, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4666

Re: Bonds Are Riskier Than You Think? Article implications for today?

How confident are you about holding long term bonds right now?Because the advice about holding short term bonds the last 5 years turned out to be wrong,that does not mean it is wise to be in long term bonds now.Do you know any bond experts recommending long term bonds today?
by hoops777
Sat Feb 18, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4666

Re: Bonds Are Riskier Than You Think? Article implications for today?

So my point was a combo of tips and CDs would be reasonable for your fixed income allocation.Some here seem to be suggesting how wonderful going 100 pct stocks is.Great for Warren Buffet because he could lose 20 billion and not have a worry in the world.Not so great for the average retiree hoping to...
by hoops777
Sat Feb 18, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4666

Re: Bonds Are Riskier Than You Think? Article implications for today?

So would a combo of tips and a ladder of 5 year CDs do the job?No bond funds except if you choose a tips fund instead of individual tips.
by hoops777
Sat Feb 18, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 97
Views: 13361

Re: What are your thoughts on the "Golden Butterfly" portfolio?

Any bogleheads here that belong to European dynasties? :mrgreen:
by hoops777
Sat Feb 18, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4666

Re: Bonds Are Riskier Than You Think? Article implications for today?

I truly feel for all of those people getting ready to retire that have savings that are right on the edge of having enough but need a 6 or 7 pct return to get by.
by hoops777
Sat Feb 18, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 29
Views: 4882

Re: Tracking progress to $1M portfolio and no mortgage by 40

Congratulations we all hope it works out for you.When I was 40 I had a net worth of about $1500 :D
by hoops777
Sat Feb 18, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 97
Views: 13361

Re: What are your thoughts on the "Golden Butterfly" portfolio?

Let me see.... Let's go back say 50 years to 1967 just for the heck of it. The internet did not exist. Computers for personal use did not exist.How about energy compared to today?Factories,manufacturing the global economy?I of course will not mention politics. The world then compared to today and go...
by hoops777
Sat Feb 18, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 4666

Re: Bonds Are Riskier Than You Think? Article implications for today?

So the 5 million posts about buying short to intermediate term bonds and holding them long term and everything works itself out means what?
by hoops777
Fri Feb 17, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 5331

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

The price we pay for all the cc fraud that is out there.Just tell them you are going to cancel the card if it happens again.
by hoops777
Thu Feb 16, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2553

Re: What's the secret to happiness?

If anything was ever more an individual thing than happiness,I do not know what it is.To each his or her own.The thing that makes me happiest is playing with my 2 1/2 year old grandson.
by hoops777
Thu Feb 16, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Options to a Bose Wave Radio
Replies: 21
Views: 4388

Re: Options to a Bose Wave Radio

I find Bose to be very overrated
by hoops777
Wed Feb 15, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13160

Re: Is a total market fund the most diversified

Sorry,did not mean to offer advice.I was just looking at another topic and there was a reference to how well consumer staples did vs TSM in 2008,which I was already well aware of so just threw it out there :D
by hoops777
Wed Feb 15, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13160

Re: Is a total market fund the most diversified

If your main goal is to protect yourself from loss but want some stocks then buy a consumer staples fund or etf.Pretty clear how that worked in 2008.Of course that is not diversified at all.
by hoops777
Tue Feb 14, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13160

Re: Is a total market fund the most diversified

Maybe I missed something but I did not mean to say that TSM by itself was diversified enough to put one's retirement in.I was assuming they meant for your stock allocation and that fixed income would be allocated as well to whatever percentages one is comfortable with. :oops:
by hoops777
Tue Feb 14, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13160

Re: Is a total market fund the most diversified

Dbr To be brutally honest my thoughts are not really not important.I just kind of shake my head at all of the technical mumbo jumbo that gets carried to such extremes and still is based on past performance that may or may not be repeated.Is TSM diversified enough for me?I believe highly paid people ...
by hoops777
Mon Feb 13, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13160

Re: Is a total market fund the most diversified

I want to maximize returns and minimize risk based on what happened in the past and may not repeat in the future :D
by hoops777
Mon Feb 13, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9786

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

Just wondering how valid it is to compare the US and International stocks today based on looking back 30 years and more.My how things have changed between energy independence and other new technologies along with so many other major changes in the world.Different world.Different technologies.Differe...
by hoops777
Sun Feb 12, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 9786

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

Another venerable portfolio,called Wellesley only has 60 stocks,not very diversified and has done just fine.How is this explained away?Just asking.
by hoops777
Sun Feb 12, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Schwab retirement index funds
Replies: 11
Views: 1508

Re: Schwab retirement index funds

Ok I found it.It is the 2020 Etf SWXCX 17 PCT CASH
Not the index fund
by hoops777
Sun Feb 12, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Schwab retirement index funds
Replies: 11
Views: 1508

Re: Schwab retirement index funds

Surprised not more interest in this etf,it has destroyed Wellesley's returns.OK,just kidding about that.
by hoops777
Sun Feb 12, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 13160

Re: Is a total market fund the most diversified

You have 2 types of diversification.The basic that 95 pct of investors care about,total stock,total bond like diversification and the sophisticated type that you all like to argue about.In the end,I wonder how much it all really matters as long as you are diversified by one means or the other and yo...
by hoops777
Sat Feb 11, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7264

Re: A Wellesley alternative

Kevin, I bought a 7 yr brokered at 2.84 the other day.Close enough to the 3 at Andrews for me :)
I am also considering investing all or most of my interest in all of my CDs and a few high quality bonds immediately into Wellesley going forward.
by hoops777
Sat Feb 11, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4162

Re: When to invest- fear of crash

I may have missed it but if the OP listed some amounts it might help determine just how conservative he can be,or not.
by hoops777
Sat Feb 11, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7264

Re: A Wellesley alternative

One would think anyone would expect a return premium or why take mgr risk?Also the convenience of not buying 3 or 4 funds to match it's numbers.
My take from this thread has been it is possible to match Wellesley very closely but do you want the hassle or just one simple fund?
by hoops777
Sat Feb 11, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4162

Re: When to invest- fear of crash

Once you get into your current mindset,it is almost impossible to get out.I would hire an advisor at minimum cost with instructions to invest very conservatively,about30/70,whatever you need, and do not think about it anymore.You will never get over it.Just make sure your chosen allocation provides ...
by hoops777
Sat Feb 11, 2017 12:38 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 7264

Re: A Wellesley alternative

Kevin,
Is there anyway to back test a portfolio using cds instead of bonds?

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