Search found 4057 matches

by in_reality
Mon Aug 21, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Unrated municipal bonds
Replies: 7
Views: 664

Re: Unrated municipal bonds

How do you trade the S-Network. As part of Motif or ...? There is an ETF that tracks it - XMPT. https://www.vaneck.com/etf/income/xmpt/overview/ My wife holds cash and I use a leveraged fund to try and target about BND returns overall. Yeah, silly but that's how it is. Barbell approach I guess. Any...
by in_reality
Mon Aug 21, 2017 5:45 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11122

Re: I own no international stocks. Can you guess why?

I'm sure Taylor has a sound reason for his action, probably tied into risk reduction, low costs, and simplicity. I'm sure of that too. Bogle reduced equity exposure during a high market too (not as timing but as a permanent reduction). Unjustifiably high or something like that is I think what he sa...
by in_reality
Mon Aug 21, 2017 5:31 am
Forum: Investing - Theory, News & General
Topic: Unrated municipal bonds
Replies: 7
Views: 664

Re: Unrated municipal bonds

Do you have any specifics on what the trading costs are likely to be though. None. Never traded an individual bond. There are some funds like American funds high yield municipal ETFs which seem like they are up to 30% but I'd rather be at 100%. Yep, I get that means I take on some systematic risk. ...
by in_reality
Sun Aug 20, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11122

Re: I own no international stocks. Can you guess why?

The voices in your head are getting louder and louder saying international companies are run by daemons and you just want them to go away? Either that or you became a citizen of planet Earth and everywhere is home now. If the overall stock allocation hasn't changed, I'd suspect currency consideratio...
by in_reality
Sun Aug 20, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 137
Views: 8937

Re: Anyone planning on never retiring?

Dude2 wrote:
Sun Aug 20, 2017 5:59 am
I'm an engineer, and I have a disease.

-- Working on open source projects
-- Adjunct teaching
-- Making websites that help educate
I'd think you could keep yourself very productive doing those things.
by in_reality
Sat Aug 19, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1127

Re: Seeking Non-Retirement Portfolio Help

VTSAX I know is Vanguard Total US Market. What are the others? I will go out on a limb and say if they are low cost index funds, just about any combination will be OK. Don't keep changing your exposure though. Sorry, updated the OP to reflect fund names: VTSAX - 19% Vanguard Total Stock Market Inde...
by in_reality
Sat Aug 19, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1127

Re: Seeking Non-Retirement Portfolio Help

VTSAX I know is Vanguard Total US Market. What are the others? I will go out on a limb and say if they are low cost index funds, just about any combination will be OK. Don't keep changing your exposure though. Sorry, updated the OP to reflect fund names: VTSAX - 19% Vanguard Total Stock Market Inde...
by in_reality
Sat Aug 19, 2017 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1127

Re: Seeking Non-Retirement Portfolio Help

Here is the portfolio I've put together, please feel free to tell me if it's garbage, I am new to this! VTSAX - 19% VFAIX - 17% VBTLX - 17% VGHCX - 17% VYM - 10% VWELX - 20% VTSAX I know is Vanguard Total US Market. What are the others? I will go out on a limb and say if they are low cost index fun...
by in_reality
Sat Aug 19, 2017 12:18 am
Forum: Investing - Theory, News & General
Topic: IVLU for international value exposure [iShares Edge MSCI Intl Value]
Replies: 11
Views: 1021

Re: IVLU for international value exposure

FNDF (Schwab Fundamental International Large Co. Index ETF) is a little cheaper yet at 0.25% with much higher AUM and trading than IVLU but uses different value criteria for weighting* and is broader, owning the large-to-kinda-mid market, so the exposure is significantly diluted. I disagree with th...
by in_reality
Fri Aug 18, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Media storage solutions
Replies: 16
Views: 773

Re: Media storage solutions

I have about 10 terabytes of digital media (movies, TV, music) that I am looking for storage options for. It looks like a network attached storage system (NAS) using redundant discs (RAID) might be an option but for this much data it could be over $1,000. Google Drive looks like an option but for 1...
by in_reality
Fri Aug 18, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 381

Re: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

By the way, if you want the whole confusing story, the Thunderbolt 3 is the same shape and works with USB-C (that the new macbooks have). The Thunderbolt 3 - Thunderbolt 2 adapter doesn't work with USB-C. Not only that, but it isn't even compatible with Mini DisplayPort, which shares its connector ...
by in_reality
Fri Aug 18, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Russell 2000 P/E reaches 78.7
Replies: 6
Views: 1108

Re: Russell 2000 P/E reaches 78.7

That 78.7 calculation is done by taking the average of the P/Es not treating the fund like one large company. That figure is the result if you divide the combined total market cap of all component companies by the sum of all those companies’ trailing 12 months earnings. Isn't that treating it like ...
by in_reality
Fri Aug 18, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: The Phillips Curve is not working!
Replies: 26
Views: 2504

Re: The Phillips Curve is not working!

Why is this important? Because the notion (and my fear) that intermediate term (5 to 7 year duration) bond funds will suffer due to the Fed's actions has not happened. In fact, bonds fund are doing rather well. What does that have to do with the Phillips Curve? You lost me. The Phillips Curve is a ...
by in_reality
Fri Aug 18, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Russell 2000 P/E reaches 78.7
Replies: 6
Views: 1108

Re: Russell 2000 P/E reaches 78.7

That 78.7 calculation is done by taking the average of the P/Es not treating the fund like one large company. That figure is the result if you divide the combined total market cap of all component companies by the sum of all those companies’ trailing 12 months earnings. Isn't that treating it like ...
by in_reality
Fri Aug 18, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 381

Re: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

By the way, if you want the whole confusing story, the Thunderbolt 3 is the same shape and works with USB-C (that the new macbooks have). The Thunderbolt 3 - Thunderbolt 2 adapter doesn't work with USB-C. Not only that, but it isn't even compatible with Mini DisplayPort, which shares its connector ...
by in_reality
Fri Aug 18, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 381

Re: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

Hi, Just got a 21.5 inch last week. 27 is too huge. I bought the 2015 late model for $1399 (regular $1799) at BH photo online and am now wondering if the ports will be obsolete soon. The 2015 has the Thunderbolt 2 ( what the heck does this mean?) and USB 3.0 as opposed to the 2017 model with the thu...
by in_reality
Fri Aug 18, 2017 6:36 am
Forum: Investing - Theory, News & General
Topic: Russell 2000 P/E reaches 78.7
Replies: 6
Views: 1108

Russell 2000 P/E reaches 78.7

That's higher than it was at either the top of the internet bubble or the 2007 bull market peak.

If you omit companies with negative earnings though, it's much more comforting 20-25 depending on who you ask.

Hmmn ... not sure what to make of that. Nothing I guess.
by in_reality
Thu Aug 17, 2017 8:04 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55667

Re: Forum software upgrade bug reports and change requests

I "save draft" what I write regularly (if it's long) to avoid losing it. I write long posts and if I'm researching at the same time I also can take a very long time to write a post. I don't use save draft most of the time. I use "preview" a lot and that works for me. For example, if I want to leave...
by in_reality
Thu Aug 17, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 794

Re: TLH between VTSAX and SCHB

selling VTSAX will take a day or few to even settle. I've never waited to buy the ETF once my account said I have money available to trade. No, it wasn't available to withdraw - only trade. If you then sell the ETF before the mutual fund trade settles, you get a warning then I believe a frozen acco...
by in_reality
Thu Aug 17, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH between VTSAX and SCHB
Replies: 13
Views: 794

Re: TLH between VTSAX and SCHB

Should I perform it as close to the market close (4:00 ET) as possible? Would another alternative be to convert the VTSAX to VTI and then trade two ETFs ? Thoughts on this ? How would that work? You place the order for the mutual fund and then wait until after market close. The next day you have th...
by in_reality
Thu Aug 17, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Israeli expats with medium and long term saving goals
Replies: 12
Views: 813

Re: Portfolio advice for Israeli expats with medium and long term saving goals

Are there any other options I should consider? Perhaps hold Shekel in equities via an ETF. Don't really know anything about the market there though. Have seen others considering it for their currency exposure. Anyway, the thread on an ETF to track real estate in Isreal was here https://www.boglehea...
by in_reality
Thu Aug 17, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing
Replies: 3
Views: 253

Re: New to Investing

mountainman89 wrote:
Thu Aug 17, 2017 9:23 am
Does any one have advice for finding the right type of firm to investigate? I've read about Swedroe and Ferri? Do they still provide help?
What's wrong with a target date fund?

I view them as the lowest cost form of having an advisor.
by in_reality
Thu Aug 17, 2017 2:32 am
Forum: Investing - Help with Personal Investments
Topic: € 20,000-portfolio-idea - reasonable or not?
Replies: 6
Views: 601

Re: € 20,000-portfolio-idea - reasonable or not?

in-reality, Thank you very much for your detailed explanations! That is really helpful. I am living in Munich, earning €, and I guess I might retire in Germany, spending my money in €. Besides one can not say if the € will still exist then, I totally see your currency-point and I will look for more...
by in_reality
Wed Aug 16, 2017 11:07 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55667

Re: Forum software upgrade bug reports and change requests

A workaround is to choose "load draft" instead of "view/edit". "View/edit" does seem broken and is inserting the html tags. There is no need to use "view/edit" anyway. All it does is allow you to change the draft. "load draft" will bring up your draft (correctly without html tags) and allow you to ...
by in_reality
Wed Aug 16, 2017 10:38 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55667

Re: Forum software upgrade bug reports and change requests

Those are HTML characters, which I recognize - but the forum software does not. :) The only way I can see this happening is that you are typing a post inside a word processor (like MS Word) and formatting the characters inside the document. Then, copy-n-pasting the content literally inside a forum ...
by in_reality
Wed Aug 16, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Xmas bonus for Honorably discharged veterans
Replies: 9
Views: 1635

Re: Xmas bonus for Honorably discharged veterans

I came upon this discussion on M* which discusses on-line purchasing of products by vets from the military exchanges, not only those that are military retirees: http://socialize.morningstar.com/NewSocialize/forums/p/375758/3861189.aspx#3861189 I'm passing it on for those that are interested. - Ron ...
by in_reality
Wed Aug 16, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: € 20,000-portfolio-idea - reasonable or not?
Replies: 6
Views: 601

Re: € 20,000-portfolio-idea - reasonable or not?

20% - Vanguard Total International Bond ETF (BNDX) 20% - Vanguard FTSE All-World ex-US ETF (VEU) 60% - Vanguard Total Stock Market ETF (VTI) The question remaining is, why the bond ETF (BNDX) might not be the optimal choice for me, for I am German - referring to your comment, in_reality. I would ap...
by in_reality
Wed Aug 16, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1540

Re: what % of international stock

parsi1 wrote:
Wed Aug 16, 2017 8:17 am
I am in vanguard target retirement 2025, the international portion is close to 25%
In that fund:

US is 38.41%
International is 25.85%

Usually we refer to it as a percent of stocks so would call that 40% International
by in_reality
Wed Aug 16, 2017 5:16 am
Forum: Investing - Theory, News & General
Topic: Can Bogle's philosophy lead to alt 3-fund investment phobia, nihilism, decision paralysis, etc.
Replies: 11
Views: 1236

Re: Can Bogle's philosophy lead to alt 3-fund investment phobia, nihilism, decision paralysis, etc.

Running the family business doesn't qualify as investing to me. It's an occupation that hopefully will provide returns that you can invest. Do you have a better alternative? Does your wife want you to do it? Would it just be on the side?
by in_reality
Tue Aug 15, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Do ETF odd lot orders get worse execution at VBS?
Replies: 3
Views: 417

Re: Do ETF odd lot orders get worse execution at VBS?

The issue with odd lots is the way they are displayed to many traders. If the order is marketable (that is, a market order, or a limit order to buy at the current ask), this will not matter, as the order will execute by matching an existing order on the other side. If the order is non-marketable, t...
by in_reality
Tue Aug 15, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: € 20,000-portfolio-idea - reasonable or not?
Replies: 6
Views: 601

Re: € 20,000-portfolio-idea - reasonable or not?

Dear Bogleheads-community, I would like to build a € 20,000-ETF-portfolio. I am 37 years old now, and I want to stay invested for at least 20, up to 30 years the longest, adding extra money, if available, every few months. I would appreciate, if you could tell me what you think of the following por...
by in_reality
Tue Aug 15, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 800

Re: Why/how can Android web browsers stall the whole OS?

I'm talking about a sample size of two: an Amazon Kindle Fire which uses Amazon's own web browser, "Silk," and an Amazon-modified Android 4.1, and a Samsung smartphone running Samsung's browser ("Internet") and a reasonably up-to-date Android version (6.1). Although the situation is worse with the ...
by in_reality
Mon Aug 14, 2017 10:07 pm
Forum: Forum Issues and Administration
Topic: Software Updated to phpBB 3.2.1
Replies: 37
Views: 2172

Re: Software Updated to phpBB 3.2.1

https://www.bogleheads.org/forum/posting.php?mode=reply&f=3&t=225534 It's the second from the right in the composition screen. You mean the "link" (two boxes linked by a line). It's second from the right on my iPhone but fourth on a bigger screen ...(others)...link...font color...text size... strik...
by in_reality
Mon Aug 14, 2017 9:20 pm
Forum: Forum Issues and Administration
Topic: Software Updated to phpBB 3.2.1
Replies: 37
Views: 2172

Re: Software Updated to phpBB 3.2.1

https://www.bogleheads.org/forum/posting.php?mode=reply&f=3&t=225534 It's the second from the right in the composition screen. You mean the "link" (two boxes linked by a line). It's second from the right on my iPhone but fourth on a bigger screen ...(others)...link...font color...text size... strik...
by in_reality
Mon Aug 14, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Value of International Stock in 401k?
Replies: 32
Views: 1620

Re: Value of International Stock in 401k?

One strategy is to minimize expenses by shifting the 401k to pure US stocks and bonds, leaving us with 0.3%ish expense ratios but no international stock exposure. We could then start accumulating international stocks in a taxable brokerage account. It would take us years to regain the typical 70/30...
by in_reality
Mon Aug 14, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Value of International Stock in 401k?
Replies: 32
Views: 1620

Re: Value of International Stock in 401k?

To get my first point, consider the example. If it isn't clear ask questions. The diversification benefit does require a flow of money to operate. I look at my portfolio across all accounts combined as well so I'd like to make this simpler but it can't be done. It's not really that true. You can ch...
by in_reality
Mon Aug 14, 2017 10:02 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55667

Re: Forum software upgrade bug reports and change requests

I just think symbols instead of words is moving in the wrong direction. People who are not accustomed to this don't know what to do. When you tell people to "edit", you also have to add "use the pencil thing" in case they don't know. Now we have a quote symbol instead of a word, color, url, etc. Ye...
by in_reality
Mon Aug 14, 2017 9:11 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 407
Views: 55667

Re: Forum software upgrade bug reports and change requests

The red highlight on the Notifications and PMs is great. I think newbies will notice PMs more. I know I do. Love the look. Love the new icons. It's actually human nature to infer social meaning to patterns. It's part-and-parcel of language acquisition and social understanding. So calling the quotes ...
by in_reality
Wed Aug 09, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why not utilize leveraged ETF's?
Replies: 26
Views: 1675

Re: Why not utilize leveraged ETF's?

I have a portion of my portfolio in an Rollover IRA, funds from a prior employer 401k, that I haven't paid much attention to because they aren't at Vanguard where 95% of my invested assets reside. In looking at it today, one position I hold is SPXL--an 3x leveraged ETF of the S&P 500 index. I spott...
by in_reality
Tue Aug 08, 2017 1:04 am
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4852

Re: trying to understand total market and value investing

Not sure I understand the aversion to large companies. If Apple split into separate companies focusing, e.g., on software, computer hardware, music hardware, music store, app store, phones, and entertainment devices, would that be more palatable? Yes. They could be more easily evaluated and priced....
by in_reality
Mon Aug 07, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US investors subsidizing EU/UK ones
Replies: 1
Views: 440

Vanguard US investors subsidizing EU/UK ones

Is it true that in order to comply with European Mifid II regulations, that Vanguard has chosen to not pass the cost of research to European investors but rather is "obliging its US customers to subsidise its European ones". I've seen the cost estimated between $5M and $100M depending on the source....
by in_reality
Mon Aug 07, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!
Replies: 23
Views: 3844

Re: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!

Thank you!!! I looked at MTUM and I really like that fund. Are you saying I can replace POGRX with MTUM and get the same benefits at 0.15% Expense Ratio? From somewhere I got the idea that actively traded fund produces better returns than ETF so in each category I have a mutual fund in an attempt i...
by in_reality
Mon Aug 07, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Factor crowding
Replies: 19
Views: 1450

Re: Factor crowding

The small value sector of the us market is roughly 3% by cap weight. 3%. If such a huge inflow of funds is going into "smart beta" how could one logically conclude that the small value, or "value" as a whole, will not be over inflated? Sure areas of smart beta have high valuations. Minimum volatili...
by in_reality
Sun Aug 06, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4852

Re: trying to understand total market and value investing

Here is a article that might shed some light on the subject. I don't consider myself a value investor or a growth investor. I consider myself a dividend investor... Dividend investors are value investors. You may be a bit quirky and naive but you are on my team :happy Not necessarily. Dividends can...
by in_reality
Sun Aug 06, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4852

Re: trying to understand total market and value investing

All this talk on my post and I wish I could understand what all of you are stating. It's pretty easy actually. It's difficult to know what a company should be valued at. Growth companies are expected to earn more in the future, and so people pay a higher price to buy them now - in expectation of fu...
by in_reality
Sun Aug 06, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!
Replies: 23
Views: 3844

Re: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!

Thank you very much for a long reply! Most of the stuff you wrote is above my level but if I understand correctly the portfolio is "good enough" but it would be a good idea to reduce VOE and POGRX. Also, I just realized I don't really know *why* a portfolio should have value tilt. I read a lot and ...
by in_reality
Sat Aug 05, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios
Replies: 18
Views: 2593

Re: Schwab Intelligent Portfolios

The cash does earn the sweep money market rate, currently at about 0.66%,will rise as rates rise, but still a sweep rate is lower. Big deal I know, but the opportunity cost loss of higher yield in a better MMF or short term bond fund is the cost of doing business; nothing is free. I am giving it a ...
by in_reality
Sat Aug 05, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!
Replies: 23
Views: 3844

Re: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!

Regarding taxes, how much would you guess I will pay on this portfolio? I will have income overseas of around $60k but expenses will be very low. Unfortunately, it's too late to open an IRA, I will have to use what I have which is a taxable account. Same as you are paying now I suspect. At $60k, yo...
by in_reality
Sat Aug 05, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance TABS 5-15 year CA Muni Ladder
Replies: 8
Views: 520

Re: Eaton Vance TABS 5-15 year CA Muni Ladder

Hi, I had a similar discussion with my Schwab consultant last month (not in CA). I'm not really interested at this point. But, one of the advantages he had mentioned to me was that EV buys these bonds in a different market than we have access to and get a better price for the bonds. This somewhat o...
by in_reality
Fri Aug 04, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!
Replies: 23
Views: 3844

Re: Please review my portfolio, ~$513k, I can make changes now. Complete beginner!

And please do tell your mistakes if you wish. It makes for interesting reading... Made my share too you know...