Search found 628 matches

by oldzey
Fri Jun 23, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Passive vs Active funds
Replies: 20
Views: 663

Re: Passive vs Active funds

Here's a link to a white paper by Rick Ferri and Alex Benke that demonstrates the difficulty in active funds outperforming passive index funds:

A Case for Index Fund Portfolios
by oldzey
Thu Jun 22, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 76
Views: 6382

Re: Poll: Do Bogleheads own Stocks?

400 is a respectable sample size, according to Mail and Internet Surveys: The Tailored Design Method by Dillman (2000).

Book review link (2nd edition, 2000) is here. Note that this book is currently in its 4th edition (2014).
by oldzey
Thu Jun 22, 2017 1:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2522

Re: Vanguard: HOW MUCH active management is right for you? :(

Also don't forget about the 5.75% sales charge load that some mutual fund companies charge (in addition to the fund's expense ratio).
by oldzey
Thu Jun 22, 2017 1:33 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4063

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS). "today" means 23:59:59 in Vanguard time. Note: as of 12:45am ET on 6/20 the Vanguard funds still haven't declared according to their own website. 8-) dividend.com has the information for many of the fund...
by oldzey
Wed Jun 21, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2522

Re: Vanguard: HOW MUCH active management is right for you? :(

I just had to laugh at the "Hell No" chart, simple and direct. Thanks for the chuckle. Edit: I wonder if the thread will get locked. Not family friendly and all of that. ;O) I chuckled and then added Nisi's graphic to my IPS. 8-) But perhaps I can make it simpler. Personally, I can stop r...
by oldzey
Wed Jun 21, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4063

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS). "today" means 23:59:59 in Vanguard time. Note: as of 12:45am ET on 6/20 the Vanguard funds still haven't declared according to their own website. 8-) dividend.com has the information for many of the fund...
by oldzey
Wed Jun 21, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2522

Re: Vanguard: HOW MUCH active management is right for you? :(

nisiprius wrote:But perhaps I can make it simpler. Personally, I can stop right here:

Image


+1

"Simplicity is the master key to financial success.” –- Jack Bogle
by oldzey
Tue Jun 20, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in June."
Replies: 32
Views: 4063

Re: "Find out if your fund is declaring a quarterly dividend in June."

l don't see the amounts posted yet for ETFs that are being declared today (VTI/VXUS). "today" means 23:59:59 in Vanguard time. Note: as of 12:45am ET on 6/20 the Vanguard funds still haven't declared according to their own website. 8-) dividend.com has the information for many of the fund...
by oldzey
Tue Jun 20, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 20
Views: 2759

Re: Not reinvesting dividends

In my 3 investment accounts I do the following:

403b (tax-deferred) - automatically reinvest dividends
Roth IRA (tax-advantaged) - automatically reinvest dividends
Taxable - dividends are automatically deposited directly to my checking account
by oldzey
Fri Jun 16, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 88
Views: 7088

Re: Anyone else gotten totally bored with investing?

“Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.”

-- Paul Samuelson
by oldzey
Thu Jun 15, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3752

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

I liquidated all of my TREA (about 10% of my portfolio) at the start of 2017.

I think that a 0.04% ER, U.S. Total Market index fund (VTSAX) will do about as well or better than TREA in the long run.

No guarantees, of course. :sharebeer
by oldzey
Fri Jun 02, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 33
Views: 5166

Re: Murphy's Law Of Retirement

Murphy was an optimist. :D
by oldzey
Thu Jun 01, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Me - a true story
Replies: 21
Views: 7918

Re: Mr. Bogle and Me - a true story

Great story - thanks for bumping.

I noticed one of those Bogle Bobbleheads currently up for auction on a popular online auction site - they must have been rare based on the price.
by oldzey
Thu Jun 01, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4153

Re: How do you fight the urge to micromanage?

Speaking for myself, in regards to micromanaging my investments, I've found the expertise on this particular forum to have been the most useful. For me, it took some experimentation, but I've finally settled on a simple, two-fund portfolio. Things that help me fight the urge to micromanage my invest...
by oldzey
Tue May 30, 2017 3:16 am
Forum: Investing - Help with Personal Investments
Topic: How to buy brk.a? [Berkshire Hathaway Inc. Class A]
Replies: 24
Views: 2999

Re: How to buy brk.a? [Berkshire Hathaway Inc. Class A]

I would much rather have 4,100 shares of VTSAX than 1 share of BRK.A. Yeah, but I'd rather have 4100 shares of BRK.A! :D Me too! :D Interestingly enough, even VTSAX doesn't have 4,100 shares of BRK.A! :moneybag VTSAX currently holds the following (along with 3,555 other stocks): Berkshire Hathaway ...
by oldzey
Fri May 26, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Any recommendation on Investment Account Aggregation service?
Replies: 9
Views: 709

Re: Any recommendation on Investment Account Aggregation service?

As a customer of TIAA investment products, I use their 360° Financial View, which allows me to add all my accounts.

I also use Excel.
by oldzey
Thu May 25, 2017 5:01 am
Forum: Investing - Theory, News & General
Topic: Purchase Lot History accounting term needed
Replies: 7
Views: 445

Re: Purchase Lot History accounting term needed

livesoft wrote:
S17C wrote:Thank you for that term.

Will changing to Specific Identification affect any tax issues? (Tax Loss Harvesting or Capital Gains when rebalancing, for example).

Yes, changing will affect those tax issues: It will make them all easier to do.


+1

Spec ID is your friend! :beer
by oldzey
Mon May 22, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 21
Views: 1925

Re: Keeping credit score up

I paid off my student loans 5 years ago. I currently don't have any loans (and I don't own real estate). My credit cards and all other bills are paid in full every month (I've never paid a penny in credit card interest). My credit score has steadily remained in the 805-815 range for about 3 years.
by oldzey
Sun May 21, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 9163

Re: Home Country Bias...makes sense?

0% International works for me just fine here in my home country, the United States. No complaints. Thank you, Jack and Warren! :sharebeer
by oldzey
Fri May 19, 2017 1:38 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 7804

Re: Milestone and not peeking. . .

Congrats! :sharebeer
by oldzey
Thu May 18, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 7270

Re: 100% VTSAX need advice

As one of the feedback, I receive from this post that Bogle is not recommending an International stock, what is another reason to buy it? Here is the link to the interview. http://www.morningstar.com/cover/videocenter.aspx?id=718644 I'm with Jack (I have 0% international investments in my portfolio...
by oldzey
Wed May 17, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 7270

Re: 100% VTSAX need advice

I'm 47 years old and planning to move all my investments (approximately 950,000 US dollars) to VTSAX. I have tried Dividend Growth investing and I think I can sleep better by doing index fund. DGI is consuming a lot of my time. JLCollins in his book recommended a mix of VTSAX an VBLTX. Since I'm pl...
by oldzey
Wed May 17, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 914997

Re: U.S. stocks in freefall

Uncle Pennybags wrote:I knew it this is it; sell, sell, sell. :shock:


Did someone say...

Image
by oldzey
Tue May 16, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 7270

Re: 100% VTSAX need advice

I'm 49 years old and my asset allocation (AA) is 60% equities (VTSAX and TIEIX) and 40% fixed income (TIAA Traditional).

After much experimentation, my 60:40 AA is the "sweet spot" - it helps me to sleep well at night and tinker less with my portfolio.
by oldzey
Wed May 10, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1351
Views: 233021

Re: What are you up YTD? [Year To Date]

60% equities / 40% fixed income.

+5.61% return YTD
by oldzey
Sat May 06, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1994

Re: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6)

The replay is up: https://finance.yahoo.com/brklivestream

The two Jack Bogle appearances are at 24:26 (recognition by Warren Buffett during the meeting and Happy 88th) and 3:58:45 (Jack interview).
by oldzey
Sat May 06, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1994

Re: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6)

Jack is in the crowd - Warren just had him stand up and be recognized, and he wished him a Happy 88th Birthday on Monday. :D
by oldzey
Sat May 06, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay
Replies: 26
Views: 1994

Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Stream Replay

Berkshire Hathaway 2017 Annual Shareholders Meeting, Live Streaming Today (5/6).

Link to stream: https://finance.yahoo.com/brklivestream
by oldzey
Wed May 03, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 6886

Re: A Boglehead Guide to Buying Individual Stocks

A Boglehead Guide to Buying Individual Stocks:

Don't!
by oldzey
Mon May 01, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: "The Road Less Traveled" by John Bogle
Replies: 31
Views: 4103

Re: "The Road Less Traveled" by John Bogle

dwickenh wrote:
abuss368 wrote:Thank you for sharing Taylor. This speech is on my pile to read!


+1 Me too

Dan


+1 Same here

oldzey
by oldzey
Mon May 01, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's Legacy!
Replies: 19
Views: 2994

Re: John Bogle's Legacy!

Thanks for changing the title of this post.
by oldzey
Mon May 01, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs CREF Equity Index
Replies: 61
Views: 3359

Re: TIAA Real Estate vs CREF Equity Index

livesoft wrote:If one wants an alternative funky investment that one cannot understand and will just go by faith owning, then use the TIAA REA.


This should be on the cover page of the TIAA REA prospectus.
by oldzey
Sat Apr 29, 2017 2:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Go Inside Jack's Office
Replies: 21
Views: 2624

Re: Go Inside Jack's Office

Thank you for the link to the video. My Dad just turned 82 and still goes into work 3 times a week - I need to show him this. :D
by oldzey
Fri Apr 28, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 202
Views: 15674

Re: What is your overall portfolio weighted expense ratio

oldzey wrote:0.05% ER overall across 403b, Roth, and Taxable accounts.


Make that 0.0425%. :beer
by oldzey
Fri Apr 28, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: The Importance of “Cash on Hand” to Life Satisfaction
Replies: 29
Views: 3596

Re: The Importance of “Cash on Hand” to Life Satisfaction

I have $107 left in my checking account. I feel satisfied that virtually all of my funds are invested, and I'll invest more on Monday (payday). :beer
by oldzey
Thu Apr 27, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5780

Re: Vanguard New Lower ER .04%

Thank you, Vanguard! :beer

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