Search found 56 matches
- Sun Apr 22, 2018 11:04 am
- Forum: Investing - Theory, News & General
- Topic: Gotham Enhanced Value Index
- Replies: 21
- Views: 4040
Re: Gotham Index plus
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...
- Sun Apr 15, 2018 8:50 pm
- Forum: Investing - Theory, News & General
- Topic: How many of you have some developed international and EM indexed bond funds in your portfolio?
- Replies: 22
- Views: 1494
Re: How many of you have some developed international and EM indexed bond funds in your portfolio?
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...
- Sat Apr 07, 2018 7:30 am
- Forum: Investing - Theory, News & General
- Topic: Swedroe: Look Beyond 60/40 Portfolio
- Replies: 237
- Views: 14878
Re: Swedroe: Look Beyond 60/40 Portfolio
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...
- Thu Mar 01, 2018 7:06 pm
- Forum: Investing - Theory, News & General
- Topic: International value etf in taxable account
- Replies: 4
- Views: 801
International value etf in taxable account
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 ...
- Tue Feb 20, 2018 7:11 am
- Forum: Investing - Theory, News & General
- Topic: Does Non-deductible IRA make sense
- Replies: 7
- Views: 680
Re: Does Non-deductible IRA make sense
I use it as additional space for taxable bond funds.
- Sun Feb 11, 2018 1:42 pm
- Forum: Investing - Theory, News & General
- Topic: Has Seeking Alpha Become Worthless?
- Replies: 29
- Views: 5989
Re: Has Seeking Alpha Become Worthless?
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.
- Tue Jan 23, 2018 5:42 am
- Forum: Investing - Theory, News & General
- Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
- Replies: 67
- Views: 7387
Re: Bond Portfolio for High Net Worth Individuals - Different Rules?
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...
- Fri Jan 19, 2018 7:11 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard US Investment Options Minus Top 10?
- Replies: 20
- Views: 1448
Re: Vanguard US Investment Options Minus Top 10?
buy equal weight S&P 500 etf/fund
- Fri Jan 19, 2018 7:08 am
- Forum: Investing - Theory, News & General
- Topic: International Bonds
- Replies: 34
- Views: 4515
Re: International Bonds
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 ...
- Mon Dec 25, 2017 6:45 am
- Forum: Personal Finance (Not Investing)
- Topic: Donating shares from Vanguard
- Replies: 17
- Views: 1136
Re: Donating shares from Vanguard
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
- Mon Oct 16, 2017 5:57 pm
- Forum: Investing - Theory, News & General
- Topic: About Vanguard advisors: opinions, thoughts?
- Replies: 78
- Views: 9134
Re: About Vanguard advisors: opinions, thoughts?
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....
- Sat Oct 07, 2017 10:28 am
- Forum: Investing - Theory, News & General
- Topic: Bogle himself is saying we will expect like 3% for the next decades
- Replies: 141
- Views: 17596
Re: Bogle himself is saying we will expect like 3% for the next decades
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.
Bottom line have a good slug of International equities. Vanguards suggestion of 40% Intl is reasonable in that light.
- Mon Sep 18, 2017 9:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity 2% CC or Citi double cash card?
- Replies: 60
- Views: 10827
Re: Fidelity 2% CC or Citi double cash card?
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...
- Mon Sep 04, 2017 7:09 am
- Forum: Investing - Theory, News & General
- Topic: The "interest rates are so low....why would you"arguments
- Replies: 62
- Views: 7536
Re: The "interest rates are so low....why would you"arguments
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...
- Wed Aug 09, 2017 8:47 pm
- Forum: Personal Consumer Issues
- Topic: Metal vs Vinyl sheds
- Replies: 25
- Views: 2242
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...
- Wed Aug 09, 2017 8:40 pm
- Forum: Personal Consumer Issues
- Topic: Metal vs Vinyl sheds
- Replies: 25
- Views: 2242
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...
- 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: 3517
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...
- Sat Jul 08, 2017 7:48 am
- Forum: Investing - Theory, News & General
- Topic: Asset Allocation Precluding DCA
- Replies: 25
- Views: 1466
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 compared to ...
- Tue Jul 04, 2017 9:54 am
- Forum: Personal Consumer Issues
- Topic: Best Playstation 4 Games for Beginners?
- Replies: 28
- Views: 4360
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
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
- 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: 1518
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...
- Fri Jun 16, 2017 6:21 am
- Forum: Investing - Theory, News & General
- Topic: Hedged Intl Bonds: stupid question
- Replies: 2
- Views: 489
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?
- Sat May 27, 2017 9:24 am
- Forum: Personal Consumer Issues
- Topic: Updates on the status of Linux
- Replies: 129
- Views: 13319
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.
- 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: 3310
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...
- 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: 3477
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...
- Fri Apr 14, 2017 1:04 pm
- Forum: Investing - Theory, News & General
- Topic: International Portfolio Tilt
- Replies: 18
- Views: 2551
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%...
- Wed Apr 05, 2017 5:29 pm
- Forum: Investing - Theory, News & General
- Topic: Continuing to Invest in Muni Bond Funds
- Replies: 13
- Views: 1894
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
http://www.etf.com/sections/index-inves ... nopaging=1
- Sun Feb 26, 2017 10:29 am
- Forum: Investing - Theory, News & General
- Topic: What is your overall portfolio weighted expense ratio
- Replies: 206
- Views: 19952
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.
- Tue Feb 07, 2017 8:00 pm
- Forum: Investing - Theory, News & General
- Topic: Multifactor Funds Use
- Replies: 13
- Views: 1619
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...
- Tue Feb 07, 2017 7:24 am
- Forum: Investing - Theory, News & General
- Topic: Multifactor Funds Use
- Replies: 13
- Views: 1619
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...
- Fri Jan 13, 2017 7:13 pm
- Forum: Investing - Theory, News & General
- Topic: Factor-Diversified Portfolio
- Replies: 175
- Views: 17723
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 ...
- Sun Jan 08, 2017 12:36 pm
- Forum: Investing - Theory, News & General
- Topic: all the debate over tilting away from market-cap weighting
- Replies: 27
- Views: 2908
Re: all the debate over tilting away from market-cap weighting
ahmen to Quertyjazz response:
- Sun Jan 08, 2017 12:21 pm
- Forum: Investing - Theory, News & General
- Topic: all the debate over tilting away from market-cap weighting
- Replies: 27
- Views: 2908
Re: all the debate over tilting away from market-cap weighting
ahmen to Quertyjazz response:
- Sun Jan 08, 2017 12:17 pm
- Forum: Investing - Theory, News & General
- Topic: Expat Wanting to Invest in US Mutual Funds
- Replies: 17
- Views: 2776
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...
- Tue Jan 03, 2017 9:47 am
- Forum: Investing - Theory, News & General
- Topic: Could Vanguard's municipal bond funds be better?
- Replies: 4
- Views: 886
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
Bmbix has a lower ER 0.3 but higher minimum investment
- Sun Jan 01, 2017 12:04 pm
- Forum: Investing - Help with Personal Investments
- Topic: Multifactor funds
- Replies: 1
- Views: 338
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...
- Fri Dec 30, 2016 10:27 am
- Forum: Investing - Theory, News & General
- Topic: 100% TIPS and 0% in Nominal Bonds?
- Replies: 168
- Views: 11742
Re: 100% TIPS and 0% in Nominal Bonds?
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 ...
- 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: 60
- Views: 12679
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
kc
- Sun Dec 18, 2016 3:15 pm
- Forum: Investing - Theory, News & General
- Topic: Stable Value Funds in Portfolio
- Replies: 45
- Views: 7219
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...
- Sun Dec 18, 2016 10:14 am
- Forum: Investing - Theory, News & General
- Topic: Portfolio Construction using factor Funds
- Replies: 3
- Views: 505
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...
- Sun Aug 14, 2016 8:23 am
- Forum: Personal Finance (Not Investing)
- Topic: effective mortgage interest after taxes and pmi
- Replies: 2
- Views: 469
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...
- Sun Jul 24, 2016 7:10 am
- Forum: Investing - Theory, News & General
- Topic: Anyone Switched to Vanguard Account Upgrade?
- Replies: 48
- Views: 20108
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
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
- Sun Jul 10, 2016 6:13 am
- Forum: Investing - Help with Personal Investments
- Topic: To TIPS or Not to TIPS
- Replies: 45
- Views: 6475
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 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...
- Sun Jul 03, 2016 7:03 am
- Forum: Investing - Theory, News & General
- Topic: EM vs DM in International
- Replies: 18
- Views: 3183
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...
- Fri May 27, 2016 5:41 pm
- Forum: Investing - Theory, News & General
- Topic: Tax Free Muni's
- Replies: 8
- Views: 1891
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.
- 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: 13264
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...
- Wed Feb 10, 2016 9:36 pm
- Forum: Investing - Theory, News & General
- Topic: Paul Merriman's Bond Portfolio (Thoughts?)
- Replies: 12
- Views: 2560
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)
in the 33% tax bracket vwitx after tax yield is greater (not accounting for state taxes)
- 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: 4542
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
jc
- 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: 4542
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...
- 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: 3865
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
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
- Thu Apr 30, 2015 7:46 am
- Forum: Investing - Theory, News & General
- Topic: % stable value fund in an accumulating portfolio
- Replies: 4
- Views: 673
% 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% ...