Search found 898 matches

by selftalk
Mon Mar 27, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

I`m sticking with J. Bogle and W. Buffett on this. They`ve got sooo much experience and great instincts. They`re not GODS but they`re damn good at understanding investing. People should read Bogel`s COMMON SENSE ON MUTUAL FUNDS book again and again especially the section on returns about growth vs. ...
by selftalk
Sun Mar 26, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

On this website there`s been views of slice and dice verses buy and hold and that will never end. Bogle says that VTSAX is broad diversification.
by selftalk
Sun Mar 26, 2017 7:25 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

Bogle does not want political risk, shoddy accounting methods, currency risk etc. It`s as simple as that.
by selftalk
Sun Mar 26, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

All I can say is that August 2016, is a short period of time and of course I know no one knows the future. Time will tell. I think I`d rather go with a broad index like VTSAX as that has risen over a lot of time . Since 5/4/94, the inception date of VEIEX the total return in dollars was $33,115 whil...
by selftalk
Sun Mar 26, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

triceratop, VTSAX is no simpler than VT but over the very long term the total global market has earned less than our domestic one by 1 percentage point according to Deutshe bank research.What is the name of your emerging markets security and what did it earn in total return over what period of time ...
by selftalk
Sun Mar 26, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

sambb, how long have you owned the emerging markets etf, what is it and what is the total return of it since you`ve owned it ? That sector has been dead in the water for 6 years so far.
by selftalk
Sun Mar 26, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

Larry, I understand what you are saying and about reversion to the mean in general and lowering your market risk by buying out of favor asset classes. Just answer me this. Both John Bogle and Warren Buffett are very knowledgeable in the stock market field with multitudes of experience and yet J. Bog...
by selftalk
Sun Mar 26, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: small cap value international etf
Replies: 5
Views: 500

Re: small cap value international etf

Thank you everyone for your opinions.
by selftalk
Sat Mar 25, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: small cap value international etf
Replies: 5
Views: 500

small cap value international etf

Does anyone know of QUSOX as a proxy for small cap value international instead of VSS ?
by selftalk
Sat Mar 25, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard etf`s for small cap value asset class internationally
Replies: 3
Views: 295

Re: Vanguard etf`s for small cap value asset class internationally

I wanted to use Vanguard because when adding to and re -balancing which includes selling there is no fee. VINEX has 25% Japan while VSS has 16% Japan. VSS has Europe developed at 24% while VINEX has 4% European Developed and VSS has 15% North America which I guess would be Canada while VINEX has 16%...
by selftalk
Sat Mar 25, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard etf`s for small cap value asset class internationally
Replies: 3
Views: 295

Vanguard etf`s for small cap value asset class internationally

What are you folks using for Vanguard small cap value etf`s for the developing markets only as I own VWO already for the emerging markets for a taxable account ? I will thank you in advance.
by selftalk
Thu Mar 23, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 918

dollar cost averaging

It sure is tough emotionally buying VTI at this time and price and hearing how bad things are and are going to get. It`s everywhere you go not only on tv ,radio, magazines, internet but from the general public in every day speaking to each other. There`s not much optimism out there with bombs explod...
by selftalk
Thu Mar 23, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 7184

Re: The $1,124,176 Car.

Taylor what about the person on this website that wanted to buy a $ 5,000 wrist watch. How much would that be worth in 20-30 years at 7% ? And that person risks being hit on the head by a robber.
by selftalk
Thu Mar 23, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6019

Re: Blog on emerging Markets, and investors underweighting them

I understand that what`s been low MAY give us higher expected returns and vise versa. That being the case then why doesn`t Warren Buffett and John Bogle recommend to the public international and emerging market funds ? We know Bogle`s answer but what would W. Buffett say ?
by selftalk
Thu Mar 23, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: tax efficiency for a total world fund
Replies: 0
Views: 85

tax efficiency for a total world fund

Is VT considered both a tax efficient and index etf ?
by selftalk
Wed Mar 22, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: world fund vs. vti and vtiax
Replies: 2
Views: 196

world fund vs. vti and vtiax

Does anyone know if Vanguard changes their world etf (VT) percentages and how often have they in the past? In other words is it better to have a total world etf or have 2 separate etf`s that represent the world ? I think if Vanguard changes the world etf then you would be out of sync owning the othe...
by selftalk
Tue Mar 21, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: etf website for total returns needed
Replies: 2
Views: 136

etf website for total returns needed

Does anyone recommend a website to get the total returns for various etf`s over various time periods that show both statistics and charts ?
by selftalk
Sun Feb 26, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 3432

Re: Going to Tahiti and we're budget travelers

Stowe away on a freighter ship going there. That`ll save a lot. Just kidding of course. Have a nice time.
by selftalk
Fri Feb 17, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3957

Re: Vanguard Web Site Down?

What would John Bogle say about this ? It`s very aggravating and will no doubt cause some people to switch brokers in full and/ in part.Vanguard better give a good explanation.
by selftalk
Wed Feb 15, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: The VIX [Volatility index]
Replies: 3
Views: 301

Re: The VIX

From my take when the short term VIX goes sharply lower the general market sells off as fear and panic are high and the opposite is true. So now the VIX is in the middle zone so to speak. Nothing is always consistent in the market. That`s why buy and hold is the best thing to do.
by selftalk
Wed Feb 15, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: The VIX [Volatility index]
Replies: 3
Views: 301

The VIX [Volatility index]

What`s a bit baffling to me now as i "peek" is that the short term VIX is rising as the Market rises. It usually is opposite. I guess it`s an anomaly. Any thoughts ?
by selftalk
Wed Feb 15, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 863666

Re: U.S. stocks in freefall

Well Doom&Gloom, it appears that you`re attempting to time the market whereas no one has been able to do that regularly and successfully in history. Do you honestly believe that you are the exception ? I somehow don`t think so but good luck anyway. I bought the index today for the long term as I...
by selftalk
Wed Feb 08, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Larry Swedroe on James Lange's podcast Retire Secure
Replies: 8
Views: 2100

Re: Larry Swedroe on James Lange's podcast Retire Secure

I heard it tonight. It was really good and insightful.
by selftalk
Wed Feb 08, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9922

Re: A note of caution from Robert Shiller

This is some bull market ! It seems as if almost everyone has one foot out of the door because of valuations. Like Walter Morgan told J. Bogle years ago " nobody knows nutt`in." I have to keep on buying my VTI / VTSAX no matter what. I just close my eyes and fork over the money to Vanguard...
by selftalk
Wed Feb 08, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9922

Re: A note of caution from Robert Shiller

I second that FIREchief.
by selftalk
Tue Feb 07, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9922

Re: A note of caution from Robert Shiller

I`d be willing say that Robert Schiller cannot time the market any better than anyone else except by sheer luck once in a while. He tell us it`s high. Ok it`s higher than it was before but what`s next ? No one knows but these "experts" keep sounding alarms of warning on a regular basis. I ...
by selftalk
Mon Feb 06, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9922

Re: A note of caution from Robert Shiller

Haven`t we been taught from "the master" J. Bogle to invest no matter what and "stay the course? " Why all this caution now ? Markets go up and markets go down so this is nothing new. Because the Shiller CAPE is high do we jump ship in other words MARKET TIME which we were taught...
by selftalk
Mon Feb 06, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940812

Re: The Three-Fund Portfolio

Taylor, I saw that early this morning. All those "brainy people" running the endowment and hedge funds and using the most sophisticated data money can buy cannot beat the 3 fund portfolio. Amazing ! We can beat them in returns if we don`t outsmart ourselves.
by selftalk
Sun Feb 05, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 5467

Re: Stock Investors -- Wrong Again.

Taylor, if everyone took the time to read with understanding what you just wrote above in this thread they would buy the main indices at least the 3 fund portfolio and never change a thing and never add in other asset classes hoping to beat the general market. Because someone set up their allocation...
by selftalk
Sat Feb 04, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Stock Investors -- Wrong Again.
Replies: 33
Views: 5467

Re: Stock Investors -- Wrong Again.

Taylor we learned here and from John Bogle to buy the haystack and not individual Companies.
by selftalk
Sat Feb 04, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2304

Re: What bulk nuts do you buy and from where?

Raw nuts and seeds taste pretty bad in my opinion but they`re the healthiest for you as roasting removes a lot of nutrition.
by selftalk
Sat Feb 04, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of credit card rewards (cash back and signup bonuses)
Replies: 24
Views: 3000

Re: Taxation of credit card rewards (cash back and signup bonuses)

When the government gets real hungry for cash I guess everything gets taxed. In midieval times you were taxed by how long your beard was. The longer the beard the less the tax. That was true.
by selftalk
Sat Feb 04, 2017 5:06 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 46
Views: 4493

Re: Schwab reduces index mutual fund ER and trade commission

Let`s see what Bogle has to say about this.
by selftalk
Fri Feb 03, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 46
Views: 4493

Re: Schwab reduces index mutual fund ER and trade commission

It will be interesting to hear what John Bogle has to say about this. He loves low expenses.
by selftalk
Fri Feb 03, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Schwab reduces index mutual fund ER and trade commission
Replies: 46
Views: 4493

Re: Schwab reduces index mutual fund ER and trade commission

Ok, will you change from Vanguard`s admiral shares and etf for the S&P 500 with expense ratios each of .05 % to Schwabs counter fund with an expense ratio of .03 % ? That is the question and are both of their matching indexes exactly the same with the expense ratios being the only different enti...
by selftalk
Fri Feb 03, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: contributing to a Roth and/or tIRA as retired teacher
Replies: 3
Views: 189

Re: contributing to a Roth and/or tIRA as retired teacher

If your spouse is gainfully employed you can do it but check the limits in money.
by selftalk
Fri Feb 03, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8283

Re: How do you guys ignore this stuff?

new2bogle, I have also stopped viewing the financial news and most local news and my mental health is better for it. I have no inkling what Trump is up to but somehow both good and bad will occur but I have absolutely no control over it. I try to live each day in my own world. I invest in an all U.S...
by selftalk
Thu Feb 02, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8283

Re: How do you guys ignore this stuff?

Warren Buffett says "America long term will do very well and so will the U.S. stock market" and John Bogle says "invest we must and stay the course as the purchasing power of the dollar will evaporate much further." Do you want to argue with them ?
by selftalk
Thu Feb 02, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940812

Re: The Three-Fund Portfolio

I`m comfortable to do what Buffett and Bogle suggest and that is own the S&P 500 for Buffett and the Total Stock Market Index Fund suggested by Bogle. Both funds have earned almost exactly the same results over the long term. My proxy for a bond fund however is my monthly income from my pension ...
by selftalk
Wed Feb 01, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940812

Re: The Three-Fund Portfolio

chatbotte, the reason I have no bonds is because I receive a very good pension monthly and my social security benefits are fine also. Of course having that allocation means no rebalancing. It`s as simple as that and I`m satisfied.
by selftalk
Wed Feb 01, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940812

Re: The Three-Fund Portfolio

Reputable people in this business recommend lots of different portfolios. I wish I knew which one will finish best in 10-20 years but that`s impossible so I made mine (VTI / VTSAX) up and I will stay with it. One of the worst things you can do is give into temptation and keep switching funds ie. add...
by selftalk
Wed Feb 01, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Stock market optimism
Replies: 38
Views: 4025

Re: Stock market optimism

History shows that the market will be higher in the years to come so today`s highs will turn out to be tomorrows lows. So why fret over if there will be a big drop. If so it will surely pass in time. J. Bogle says "invest we must" as the dollar just depreciates in purchasing power as time ...
by selftalk
Tue Jan 31, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Roth contribution if over 70 1/2?
Replies: 3
Views: 358

Re: Spousal Roth contribution if over 70 1/2?

I`m not 100 % sure but I think you can. Call Vanguard and a commercial bank and ask that question.
by selftalk
Tue Jan 31, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3406

Re: Are you changing your AA based on current events?

If you can beat my portfolio of only VTI / VTSAX over the next 10 years tell me and I will adopt yours now. I have made no changes.
by selftalk
Mon Jan 30, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1733
Views: 940812

Re: The Three-Fund Portfolio

chatbotte, it`s like Quaker Oats. When you have a good thing don`t change it.
by selftalk
Wed Jan 25, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1910

Re: Why is Vanguard not answering the phone

For once I had a relevant and important question to me to ask Vanguard but to no avail this time. I do use the internet 99.9% of the time to do my purchases etc. at Vanguard.
by selftalk
Wed Jan 25, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC & Reforms
Replies: 11
Views: 1671

Re: Jack Bogle on CNBC & Reforms

I just checked Morningstar. Bogle is right. In the 3,5,and 10 year periods total returns, the VTSAX mutual fund earned a higher return ( more money ) than the VTI etf. He`s no slouch and he`s a real master.
by selftalk
Wed Jan 25, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 2697

Re: A Special Vanguard Fund

Happy Birthday Taylor and wishes for many more. I love that VTSAX / VTI. No mental stress. Just buy it when funds become available and don`t peek much.
by selftalk
Wed Jan 25, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1910

Re: Why is Vanguard not answering the phone

It may be suffering from it`s own success but it will lose investor confidence for sure. I just tried again 6:45 pm and still nothing has changed. Oh well maybe tomorrow.
by selftalk
Wed Jan 25, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1910

Re: Why is Vanguard not answering the phone

No it doesn`t. Try it yourself. The recording qualifies you and a recorded voice then says hold on and a representative will be with you soon but that never happens even after waiting on hold for 30 minutes. The same thing occurred 4 times today so far.

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