Bogleheads.org

jocdoc

I bought a vinyl shed from Lowe's six or seven years ago for my NC home. It is exposed to the sun and the summers are hot and humid. No problems. It survived a CAT 1 hurricane although it is somewhat protected from the wind by trees and a fence. I did insert two wood optional beams to help reinforce...

jocdoc

I bought a vinyl shed for garden equiptment for my eastern NC home. We have very humid long Hot summer and it is exposed to sun most of the day. No major problems. This was 6 yrs ago. I did have to put it together. There was an option to insert two wooden beams to stabilize the structure which I did...

jocdoc

I pay transaction fees for Bmbix Baird Hi quality Muni fund at vanguard. I save and buy $10K at a time two times a year to minimize the fees. I try to buy VG funds and ETFs first, to eliminate transaction fees. However, I want a higher quality muni bond fund the the VG intermediate fund so I pay the...

jocdoc

I have the same" problem." The stock growth caused my stock allocation to go above my bond allocation. I have stopped buying stocks and direct all new $ to bonds until I reach my asset allocation bands. I hate it and it feels bad because of the anticipated minuscule real return of bonds co...

jocdoc

dirt Ralley,( a racing game) fun, challenging
Titanfall 2 easier shooter than call of duty, multiple modes of gameplay
The sports games are good.

I am in my sixties so my reflexes are too slow for many of the other shooters

jocdoc

I am almost 63 yrs old and plan retirement next five to ten years, one child still in college for three more years, have enough to retire including three years of my son's college, no LTC insurance (too expensive - prexisting medical problem) and will be eligible for reduced SS benefits in a few mon...

jocdoc

Vanguard international bond index fund is currency Hedged. If the US dollar falls, will the price and return of the fund increase due the currency hedging?

jocdoc

I use linux to surf the web to reduce my risk of malware. If I could get Scanning and printing on my HP multifunction printer to work properly I could use Linux for all my needs. I use Ubuntu V14.

jocdoc

I would keep your US stocks and just add new $ to Intl stocks until Intl stock valuations are more richly priced. The lower Intl stock valuations suggest (not guaranteed) better future returns than US stocks. This is my plan. I am currently 55% Intl and 45% US. I stopped adding new $ to US stocks in...

jocdoc

I use VTI and VSS VSS supposed to be less correlated with VTI than VXUS . I tilt towards at least 50% international for the past several years. Currently, I am tilting to Intl. There are perhaps more tax loss harvesting opportunities with two funds. For simplicity use VT (Total world stock fund) VTI...

jocdoc

Given the relative high valuations of US stocks, I have directed my retirement portfolio contributions to Intl and emerging stock funds since last year. I did not sell my US stocks but am not contributing to any US stock funds. It is now 55% Intl, one third of that emerging Market, 45%US. I have 65%...

jocdoc

I found this column by Larry Swerdoe reassuring. It has helped me continue to buy into muni bond funds. I am however buying only high quality muni bonds.
http://www.etf.com/sections/index-inves ... nopaging=1

jocdoc

.23 after I transferred my 403b to vanguard. The ER expenses in my 457 and money purchase plan are much higher comprising one third of my portfolio assets.

jocdoc

Larry thanks for your response but I may not have stated my question correctly. If this obvious to the members of the forum please forgive my ignorance. Are these multifactor funds best used exclusively or in combination with Cap weighted indices? for e.g ( i will use the ishares multifactor funds o...

jocdoc

There are now many new multifactor funds that include value, size, quality, momentum with reasonable expense ratios. (eg ishare multifactor funds) This suggests that we should use them as stand alone funds for our portfolios as opposed to a slice and dice. The only downside I see is that they are ne...

jocdoc

I have tilted my three fund portfolio by 20% just this month with ishares multifactor US small cap etf SMLF, ishares multifactor International small cap etf, Ishares multifactor US large Cap etf LRGF, ISCF and ishares multifactor emerging market etf EMGF. My stock portfolio is 49% US,(50% large cap ...

jocdoc

ahmen to Quertyjazz response:

jocdoc

ahmen to Quertyjazz response:

jocdoc

FYI my children live abroad and have vanguard accounts (opened before they left the US) They use my address for their vanguard account and US bank accounts: The formula for you might be: (open an account at vanguard using your parent's address open a bank account in the US using your parent's addres...

jocdoc

Baird has the same fund with lower ER.
Bmbix has a lower ER 0.3 but higher minimum investment

jocdoc

My goal is to add multifactor ETF/funds: ishares or aqr or Goldman sachs in emerging markets, small cap international and US small caps to Tilt with multiple factors value, momentum, size quality(ie not just value and size) my TSM and international stock market vanguard funds. Are these funds as goo...

jocdoc

Margaritaville portfolio can be followed at marketwatch; 100% tips m Data as of 12/29/16 FundAlloc1-yr rtn3-yr ann. rtns5-yr ann. rtns10-yr ann. rtnsVanguard Total Stock Market Index Fund;Investor 34% 12.37% 8.56% 14.75% 7.11% Vanguard Inflation-Protected Securities Fund;Investor 33% 4.04% 2.00% 0.6...

jocdoc

I emulate the vanguard target date retirement funds as my guide to the percentage of stocks and bonds across my ira and 403b accounts. i don't use international bonds.
kc

jocdoc

I currently invest 50% to stable value and 50% to DODIX to reduce the risk and duration of my bond fund. I also use it to rebalance if my stocks drop. I used it exclusively when the SEC bond yields in the bond fund drops below 2%. I recently reduced my stable value and switched back into DODIX (Dodg...

jocdoc

I haven't seen this posted yet. It seems that using three factors will capture 90% of the maximal return. If one was to build a portfolio using single or Multifactor funds available to investors (without access to advisor only funds such as DFA or funds with high minimum investments) how would you c...

jocdoc

I am trying to decide whether to pay off the mortgage early vs muni bonds investing My effective tax rate 33%, tax bracket 35% 4% NC state taxes loan interest 2.875, Apr 3.185 loan payment 1285/month 15 yr loan % 12 years left $50 /month PMI included in the 1285 mortgage payment. I am finance math c...

jocdoc

I switched last month.
I lost the ability for automatic exchange from one fund to the other with the switch. I can only do automatic investments from my checking or settlement fund.
The only other real change is the forced use of their money market fund for settlement.
jc

jocdoc

Scott Burns has a three fund Margarita portfolio using one third TSM, one third International stock market fund and one third TIPS m, (click on the second radio button) Performance Summary as of June 2016 Last 3 Months Period Return 1.55% Last 1 Year Annualized Return (0.84%) Last 3 Years Annualized...

jocdoc

I have been tilting to international in the past year and a half because of lower valuations. It is approx 50% of my stock portfolio. It has yet to pay off. Still staying the course. My international is approx 1/3 VGTSX ( total international stock Market index) , 1/3 VSS (small cap international) an...

jocdoc

It seems to me that paying down your mortgage instead of adding to your bond fund is not without cost. Your lower interest mortgage (reverse bond) is more valuable in a rising interest environment and you will be reducing it.

jocdoc

Two questions do you think the risks of investing in muni bond fund is adequately compensated or should we avoid them as many respected authors have advised. . Given the low rates of treasuries, would you put them in taxable and put stocks in tax deferred for more growth and less drag from taxes. (A...

jocdoc

It seems to me that when you compare total bond after tax yield you are forgetting to reduce your total yield by the amount you pay in taxes

in the 33% tax bracket vwitx after tax yield is greater (not accounting for state taxes)

jocdoc

Thanks for all the replies; but I wanted to limit the responses to periodic investing meaning I have extra $ every two weeks when I get paid as opposed to dollar cost investing of a lump sum. Thanks. The tax loss harvesting issue had not occurred to me.
jc

jocdoc

I have searched but could not find any articles on optimal frequency for periodic investing in a taxable account. I am fortunate enough to have maxed all tax advantaged accounts and a significant sum available for investing every two weeks without other obligations. should I use ETFs ( No transactio...

jocdoc

three fund lazy portfolio by Scott Burns
http://assetbuilder.com/lazy_portfolios ... /margarita
1/3 TSM, 1/3 Tips, 1/3 Total international Stock market index

1 Yr Annual 1.87% 8.59% 5 Yrs Annual 5 Yrs Std Dev 9.22

jocdoc

In an accumulating portfolio can adding a stable value fund improve the fixed income return of a portfolio or diversify the risk of the bond portfolio? What is the optimal% SV to bond? In this case SV interest rate 1.75% ER 0 for the next year and bond fund choice in my plan DODIX. 30 day TTM 2.67% ...

jocdoc

given that any tilting of a portfolio may lead to underperformance for a very long period of time; is there a time to retirement where a person is starting the distribution phase of a portfolio and should no longer tilt the retirement portfolio. 10 yrs before retirement? 15 years? I am assuming in t...

jocdoc

I am confused as to the role the stable value fund should play in my accumulation portfolio. I plan to work another ten years. The Lincoln B10 fixed annuity is classified as a stable value fund with 0% expense ratio( I know the ER is Included) and pays guaranteed 1.75% for the next 12 months then re...

jocdoc

the pe ratio is only 50% predictive of future returns

jocdoc

yes compared to treasuries per your linked document the risk is high. Compared to that benchmark everything is high. But if you look at Morningstar's risk tab vbilx standard deviation is much higher than lehman aggregate bond index it's benchmark. We can argue if standard deviation is a measure of r...

jocdoc

I would appreciate some help in interpreting Morningstar's bond fund risk rating. In the risk tab for Pttrx ( the only bond fund in my 403b) the risk is rated high however the risk for vbilx and vfitx are also rated as high or above average and the standard deviations I can understand it for pttrx (...

jocdoc

portfolio 1/3 bonds and 2/3 stocks 10-15 yrs to planned retirement My bond portfolio is 1/3 stable value, 1/3 short term bond fund (ie1/2 vanguard TIP and short term corporate bond index ) in my IRA and 1/3 pttrx my current bond contribution in my retirement fund is 80% and 20% stable value I have t...

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