Bogleheads.org

jocdoc

I am interested the collective wisdom on this board regarding Greenblatt's Gotham Index plus (GNNDX and GINDX) now that it has a live track record and now that Factor investing is discussion is more widespread. It is classified as a blend fund by morningstar. I wonder if this would be useful as a ho...

jocdoc

I have 8% Vanguard EM government Bond index fund. I plan to increase my EM dollar denominated bond to 10-12% of my bonds for diversification purposes. It has a higher yield than the vanguard international bond index. Research affiliates postulates a 2.4% real return for EM non local bonds.I will pro...

jocdoc

Mr Swerdoe's assertions make sense in that multiple uncorrelated assets may improve portfolio volatility and returns. Whether you use these alternative sources or risk is a personal choice. However, these alternatives are difficult to access without investing very large sums of money or using an adv...

jocdoc

I want to add some value tilt to my foreign holdings small and EM. (also to a lesser extent large)I would like feedback on the most tax efficient etf in this category. I do not have access to DFA. I don't have room in my tax deferred accounts. Keep in mind the more valuey the etf the less I need to ...

jocdoc

I use it as additional space for taxable bond funds.

jocdoc

David Kotok"s commentaries on bonds have been helpful to me especially in regards to muni bond opportunities. Tipswatch is also a valuable read for timing I bond purchases.

jocdoc

My plan is to have $1 million in hi quality bonds. This represents over 10 yrs in life expenses. The rest is in stocks irrespective of the % stock to bond allocation. I continue to work and am 2-5 yrs from retirement and continue to save 50% bonds and 50% stocks. The 50% bonds savings is primarily t...

jocdoc

buy equal weight S&P 500 etf/fund

jocdoc

I own the vanguard emerging market government bond fund. It is USA dollar denominated as 10% fixed income the rest in the total bond index fund for bond diversification and yield. The low yield and high duration of the total international bond fund currently prevents me from adding this asset to my ...

jocdoc

I did it for the first time. Paper only mail submission requiring a stamp from my bank. But it went through. As with everything on Vanguard you have to do it early because they are so slow in execution with poor customer service

jocdoc

I have spoken to two different VG advisors. Their advice was sound but limited in scope to the VG philosophy in asset allocation. People can save the advisory fees just by buying a VG target date or lifecycle fund. they don't give advise on non VG funds. Their advice seems to be limited in scope. 0....

jocdoc

Research Affiliates web site predicts worse than 3% real returns on US stocks. They predict 5% real returns on International EAFE stocks and 7% real return on EM.
Bottom line have a good slug of International equities. Vanguards suggestion of 40% Intl is reasonable in that light.

jocdoc

I have had the fidelity 2% cash back for over seven years. No problem with cash back once you set up a fidelity acct. I use it to pay for everything. Cash transfer from fidelity to my bank is easy and quick. I have no other accounts at Fidelity. I don't see any reason to change to Citi double reward...

jocdoc

I have considered this same question for the past two years. I have enough to pay off the mortgage. I considered my interest rate 2.78% before mortgage deduction VS the effective after tax rate SEC yield of the Vanguard intermediate Muni fund (2.68). (more risky than paying off the mortgage). I also...

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 compared to ...

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 http://www.marketwatch.com/lazyportfolio/portfolio/margaritaville 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 ...

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 https://assetbuilder.com/lazy-portfolios, (click on the second radio button) Performance Summary as of June 2016 Last 3 Months Period Return 1.55% Last 1 Year 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% ...

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