Search found 42 matches

by jocdoc
Wed Aug 09, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1734

Re: Metal vs Vinyl sheds

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...
by jocdoc
Wed Aug 09, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1734

Re: Metal vs Vinyl sheds

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...
by jocdoc
Thu Jul 13, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2913

Re: Do you pay fees to buy funds or ETFs?

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...
by jocdoc
Sat Jul 08, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Precluding DCA
Replies: 25
Views: 1218

Re: Asset Allocation Precluding DCA

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...
by jocdoc
Tue Jul 04, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Best Playstation 4 Games for Beginners?
Replies: 29
Views: 3063

Re: Best Playstation 4 Games for Beginners?

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
by jocdoc
Sun Jun 18, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: When do you reduce or stop disability insurance coverage
Replies: 11
Views: 944

When do you reduce or stop disability insurance coverage

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...
by jocdoc
Fri Jun 16, 2017 6:21 am
Forum: Investing - Theory, News & General
Topic: Hedged Intl Bonds: stupid question
Replies: 2
Views: 213

Hedged Intl Bonds: stupid question

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?
by jocdoc
Sat May 27, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 11533

Re: Updates on the status of Linux

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.
by jocdoc
Sun May 14, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2864

Re: 100% Total International (0% US equity) for new investor?

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...
by jocdoc
Mon Apr 17, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Those that hold international equities at market-cap weight: what is your method?
Replies: 24
Views: 2726

Re: Those that hold international equities at market-cap weight: what is your method?

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...
by jocdoc
Fri Apr 14, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: International Portfolio Tilt
Replies: 18
Views: 2150

International Portfolio Tilt

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%...
by jocdoc
Wed Apr 05, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: Continuing to Invest in Muni Bond Funds
Replies: 13
Views: 1583

Re: Continuing to Invest in Muni Bond Funds

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
by jocdoc
Sun Feb 26, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 17405

Re: What is your overall portfolio weighted expense ratio

.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.
by jocdoc
Tue Feb 07, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 1137

Re: Multifactor Funds Use

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...
by jocdoc
Tue Feb 07, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Multifactor Funds Use
Replies: 13
Views: 1137

Multifactor Funds Use

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...
by jocdoc
Fri Jan 13, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Factor-Diversified Portfolio
Replies: 175
Views: 16382

Re: Factor-Diversified Portfolio

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 ...
by jocdoc
Sun Jan 08, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Expat Wanting to Invest in US Mutual Funds
Replies: 17
Views: 1970

Re: Expat Wanting to Invest in US Mutual Funds

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...
by jocdoc
Tue Jan 03, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: Could Vanguard's municipal bond funds be better?
Replies: 4
Views: 800

Re: Could Vanguard's municipal bond funds be better?

Baird has the same fund with lower ER.
Bmbix has a lower ER 0.3 but higher minimum investment
by jocdoc
Sun Jan 01, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Multifactor funds
Replies: 1
Views: 271

Multifactor funds

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...
by jocdoc
Fri Dec 30, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: 100% TIPS and 0% in Nominal Bonds?
Replies: 168
Views: 10232

Re: 100% TIPS and 0% in Nominal Bonds?

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...
by jocdoc
Fri Dec 23, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: 17 years wasted. Want to do it myself now. Advice, please.
Replies: 58
Views: 10367

Re: 17 years wasted. Want to do it myself now. Advice, please.

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
by jocdoc
Sun Dec 18, 2016 3:15 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Funds in Portfolio
Replies: 45
Views: 6123

Re: Stable Value Funds in Portfolio

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...
by jocdoc
Sun Dec 18, 2016 10:14 am
Forum: Investing - Theory, News & General
Topic: Portfolio Construction using factor Funds
Replies: 3
Views: 427

Portfolio Construction using factor Funds

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...
by jocdoc
Sun Aug 14, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: effective mortgage interest after taxes and pmi
Replies: 2
Views: 440

effective mortgage interest after taxes and pmi

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...
by jocdoc
Sun Jul 24, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 48
Views: 17732

Re: Anyone Switched to Vanguard Account Upgrade?

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
by jocdoc
Sun Jul 10, 2016 6:13 am
Forum: Investing - Help with Personal Investments
Topic: To TIPS or Not to TIPS
Replies: 45
Views: 5742

Re: To TIPS or Not to TIPS

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...
by jocdoc
Sun Jul 03, 2016 7:03 am
Forum: Investing - Theory, News & General
Topic: EM vs DM in International
Replies: 18
Views: 2827

Re: EM vs DM in International

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...
by jocdoc
Fri May 27, 2016 5:41 pm
Forum: Investing - Theory, News & General
Topic: Tax Free Muni's
Replies: 8
Views: 1852

Re: Tax Free Muni's

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.
by jocdoc
Sun May 15, 2016 10:04 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 88
Views: 12511

Re: Got a Question for Jack Bogle? Post it Here.

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...
by jocdoc
Wed Feb 10, 2016 9:36 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman's Bond Portfolio (Thoughts?)
Replies: 12
Views: 2187

Re: Paul Merriman's Bond Portfolio (Thoughts?)

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)
by jocdoc
Mon Nov 30, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: optimal Frequency for for periodic investment in a taxable account
Replies: 28
Views: 4200

Re: optimal Frequency for for periodic investment in a taxable account

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
by jocdoc
Sun Nov 29, 2015 8:11 am
Forum: Investing - Theory, News & General
Topic: optimal Frequency for for periodic investment in a taxable account
Replies: 28
Views: 4200

optimal Frequency for for periodic investment in a taxable account

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...
by jocdoc
Fri Aug 28, 2015 8:20 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 3671

Re: Why doesn't the 3 fund portfolio have TIPS?

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
by jocdoc
Thu Apr 30, 2015 7:46 am
Forum: Investing - Theory, News & General
Topic: % stable value fund in an accumulating portfolio
Replies: 4
Views: 635

% stable value fund in an accumulating portfolio

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% ...
by jocdoc
Sat Aug 23, 2014 10:15 am
Forum: Investing - Theory, News & General
Topic: value or small cap tilting vs time to retirement
Replies: 7
Views: 1088

value or small cap tilting vs time to retirement

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...
by jocdoc
Sat Jun 07, 2014 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: stable value fund
Replies: 2
Views: 767

stable value fund

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...
by jocdoc
Mon Dec 23, 2013 5:48 pm
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 3410

Re: Another CAPE milestone breached - 26

the pe ratio is only 50% predictive of future returns
by jocdoc
Sat Dec 21, 2013 12:33 pm
Forum: Investing - Theory, News & General
Topic: bond risk
Replies: 4
Views: 593

Re: bond risk

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...
by jocdoc
Sat Dec 21, 2013 10:54 am
Forum: Investing - Theory, News & General
Topic: bond risk
Replies: 4
Views: 593

bond risk

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 (...
by jocdoc
Wed Oct 30, 2013 6:16 am
Forum: Investing - Help with Personal Investments
Topic: [how should I allocate my] bonds
Replies: 1
Views: 323

[how should I allocate my] bonds

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...