Search found 490 matches

by spdoublebass
Tue Jan 22, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 112
Views: 6682

Re: What does 20% extra of portfolio allocated to equities get you?

What does 20% extra of portfolio allocated to equities get you? So depending on the time range , one might expect 0.8% to 2.2% extra annual performance for every 20% allocated to equities based on what happened in the past. Do you read that the same way? I think time rage plays a big part of the en...
by spdoublebass
Mon Jan 21, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: International Allocation and Siamond's "Investing in the World" Series
Replies: 42
Views: 2644

Re: International Allocation and Siamond's "Investing in the World" Series

I think Siamond's work is fantastic. I am not one to give advice on this forum, but this has been my thinking. 50% US/50% Global puts you at 75/25 US/INT which is close to the people on this forum who say if you want international do 20%. 25% US/75% Global puts you at 62.5US/37.5%INT, which is close...
by spdoublebass
Tue Jan 15, 2019 4:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 224
Views: 34254

Re: Vanguard New Factor Funds Portfolio Statistics

Question on QDI percentages.

Vanguards VBR (Small cap value) ETF usually is around 72-78% qualified dividends.

I just looked at the 2018 numbers, which are up through November, for VFVA and saw that it’s at 100%.

Since it holds small caps as well, why is it at 100%?
by spdoublebass
Fri Jan 11, 2019 1:50 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14351

Re: What is your allocation to U.S. and International?

I agree with you about what appears to be the argument. However, it's illogical. The same argument is made about those who, rightly, declared ten years ago that there was no need for international equities. Domestic equities have outperformed for the past decade or more. In terms of "need", can any...
by spdoublebass
Thu Jan 10, 2019 4:36 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14351

Re: What is your allocation to U.S. and International?

I believe I saw an article regarding the fact that, due to the markets outperforming each other for different stretches, the 50/50 allocation actually had higher returns over 100% US I also don’t feel like banking on 1 country for everything, I’ll just leave it at that Do you also diversify globall...
by spdoublebass
Sat Dec 29, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Anyone do global capitalization weight portfolio....of bonds?
Replies: 32
Views: 1335

Re: Anyone do global capitalization weight portfolio....of bonds?

I'm not one to give advice on this forum, but this is what I do. I divide my portfolio into two sections. One held at global weight, the remainder is a tilt to domestic in both stock and bonds. I do this based off of this: https://finpage.blog/2017/03/25/investing-in-the-world-part-3/ I do use BNDW....
by spdoublebass
Fri Dec 28, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Question for the bond experts
Replies: 24
Views: 1417

Re: Question for the bond experts

(Now I'm just guessing, but I think that the value at maturity must be exactly $21 per share and I think that if you had purchased it back in 2012, you could (somehow) have known in advance that the final value would have been $21, but I couldn't quickly find anything on the Invesco site that expla...
by spdoublebass
Sun Dec 23, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: 3-Fund + Gold: Why not a good idea?
Replies: 42
Views: 2321

Re: 3-Fund + Gold: Why not a good idea?

It costs a lot to store Gold as well. You have to pack it right etc. some people store it in safe deposit box in bank. Others at home somewhere. Precious metals can be stored at home with no ongoing expense. Floor safes are not expensive and very secure for all sorts of items. And safe deposit boxe...
by spdoublebass
Sun Dec 23, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: 3-Fund + Gold: Why not a good idea?
Replies: 42
Views: 2321

Re: 3-Fund + Gold: Why not a good idea?

I am in no way someone who should give advice on this subject. I did want to point out a few things I’ve read on other threads in the forum. It costs a lot to store Gold as well. You have to pack it right etc. some people store it in safe deposit box in bank. Others at home somewhere. Also, in a wor...
by spdoublebass
Sat Dec 22, 2018 12:16 am
Forum: Investing - Help with Personal Investments
Topic: planning to buy REIT, bad idea ?
Replies: 35
Views: 2753

Re: planning to buy REIT, bad idea ?

I know bogle heads don't advice on tilting to a certain sector, but I am willing to take a calculated risk here. housing market is projected to slow down next .... taking that in mind is it hugely insane to start buying REIT ? The natural question: Why do you want to start buying REITS now? Your qu...
by spdoublebass
Thu Dec 20, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14351

Re: What is your allocation to U.S. and International?

Can't wait for the admiral shares of VTWSX (VTWAX?). Hopefully just a few weeks now. If only it was available in employer-sponsored accounts... Is it really coming or just wishful thinking? :happy They filed preliminary prospectus a month ago, so expecting it mid-January. https://www.sec.gov/Archiv...
by spdoublebass
Wed Dec 19, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

For small $ needs, how about keeping that money in Prime Money Market, interest rate 2.35%, and price stays at $1/share so there is no gain or loss to worry about? Do you have an emergency fund in some kind of cash product (MM, savings, breakable CD), so that money is quickly available and you don'...
by spdoublebass
Mon Dec 17, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

The tax paperwork you receive from your broker will have the sale on it with a capital loss. If you blindly enter what your paperwork says into Turbotax, then the software will automatically claim the deduction for you. So you need to mark that sale with a “W” to avoid claiming it (or omit the sale...
by spdoublebass
Mon Dec 17, 2018 2:18 am
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

If you sell in taxable at a loss, you would have a (partial) wash sale if you buy + or - 30 days in any of your or your spouse's taxable or IRA accounts (unless you also sell that, preferably before you TLH.) Buying includes re-investing dividends. Only if you and your spouse file a joint return th...
by spdoublebass
Sat Dec 15, 2018 1:27 am
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

Actually I think I just figured it out. I did do a wash sale, but it won’t change my Roth cost basis. Since it was one share only and I bought more of this etf in my Roth, I can’t deduct it from my taxes (which I wasn’t trying to do anyway). I guess the last question I have is, if you sell something...
by spdoublebass
Sat Dec 15, 2018 1:19 am
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

- Isn't there some ratio that expresses the relationship between dividend and cost? Say you bought a stock for $10 and each quarter it pays a $.50 dividend. Then in 5 years you would have received $10 in dividends. I thought this had a name. Not that this maters much I guess but I'm only curious. T...
by spdoublebass
Sat Dec 15, 2018 1:01 am
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

Thank you for the replies. I guess the only follow up questions I have are these: - Isn't there some ratio that expresses the relationship between dividend and cost? Say you bought a stock for $10 and each quarter it pays a $.50 dividend. Then in 5 years you would have received $10 in dividends. I t...
by spdoublebass
Fri Dec 14, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

Re: 2 Years In, New Questions Arise.

1a. Now that cost basis is tracked by brokerages with computers, I haven't seen any downsides to having many lots. 1b. Not sure what you're asking. Yes, auto reinvest is simpler and yes, it can cause wash sale problems if you're loss harvesting. You could do a hybrid where you usually leave it enab...
by spdoublebass
Fri Dec 14, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: 2 Years In, New Questions Arise.
Replies: 15
Views: 2088

2 Years In, New Questions Arise.

While I've been on this forum for about 2 years. I have some new questions. 1. I'm new to the world of taxable accounts. I am using this account for a specific savings goal and not for retirement. after reading the forum, is it fair to say that things have changed greatly after 2012 with covered sha...
by spdoublebass
Sun Dec 09, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard total corporate VTC: Why is the yield so low compared to its parts?
Replies: 9
Views: 854

Re: Vanguard total corporate VTC: Why is the yield so low compared to its parts?

I have wondered why as well. I do not know the answer.

I wonder if it has something to do with VTC being an etf of etf’s?

BNDW is made up of BND and BNDX and has the same issue.
by spdoublebass
Fri Dec 07, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 45007

Re: Bonds - Throw it all on the table!!!

I’m not too proud.... I don’t understand the case where one would prefer STRIPS (or an ETF like EDV) over long treasuries. Help on understanding that would be appreciated. The duration of EDV is 24.3 yrs compared to VUSTX which is 16.6 yrs; duration is how long it takes for the bondholder to get re...
by spdoublebass
Fri Dec 07, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 45007

Re: Bonds - Throw it all on the table!!!

I’m not too proud.... I don’t understand the case where one would prefer STRIPS (or an ETF like EDV) over long treasuries. Help on understanding that would be appreciated. The duration of EDV is 24.3 yrs compared to VUSTX which is 16.6 yrs; duration is how long it takes for the bondholder to get re...
by spdoublebass
Mon Nov 26, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: For i401k, Vanguard does not allow investment into Admiral Shares
Replies: 38
Views: 2903

Re: For i401k, Vanguard does not allow investment into Admiral Shares

Is it still the case that Vanguard does not allow access to Admiral shares in their i401K? Their page seems to state otherwise but following the link just takes you to the their general mutual fund and ETF options. https://investor.vanguard.com/small-business-retirement-plans/individual-solo-401k I...
by spdoublebass
Mon Nov 26, 2018 4:08 am
Forum: Investing - Theory, News & General
Topic: Market Weight:effect of Individual Stock and EM
Replies: 6
Views: 564

Re: Market Weight:effect of Individual Stock and EM

bluquark wrote:
Mon Nov 26, 2018 12:15 am
EM is about 4% of VT. If it tripled in market float, then VT would increase by 8%.
Just for other people reading this thread.
EM is currently 9.1% of VT
China is 2.9% of VT
by spdoublebass
Sun Nov 25, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Market Weight:effect of Individual Stock and EM
Replies: 6
Views: 564

Market Weight:effect of Individual Stock and EM

Please note: 1. I know the answers to my questions will be subject to how much International one holds. I am not trying to start another discussion on that subject. 2. I'm talking about market weight indices. I have been following the US vs INT thread currently going on in this forum. People refer t...
by spdoublebass
Tue Nov 20, 2018 1:09 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100883

Re: How much international stock? A suggestion.

I read these discussions and wonder why some seem to be so...religious ;) about the issue. It doesn’t have to be all or nothing: it’s pretty darn easy tobput half your equities in TSM and the other half in a global cap fund like VT. That puts one at about 25% international. That’s the Goldilocks zo...
by spdoublebass
Tue Nov 13, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 100883

Re: How much international stock? A suggestion.

These threads are always entertaining. However, with all the different opinions, I do not think people take into account the individual's perspective. If someone is entering retirement and has held only US equity for 30+ years, I wouldn't expect them to want to hold International equity now. Likewis...
by spdoublebass
Fri Nov 02, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13080

Re: Core-4 Investing is LIVE! It really is this time!

Rick I like your website. Do you have any recommendations or general guidelines for which portfolio to pick based on your stage in life such as someone entering early career versus recently retired? For example which of the core-4 would you use for an early retiree. Looks like a lot of cross over b...
by spdoublebass
Thu Nov 01, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13080

Re: Core-4 Investing is LIVE! It really is this time!

I have been awaiting this launch ever since I heard this new website was coming. I’m speaking only as a new investor (second year in the market). There have been other threads on this forum debating if Mr. Ferri would still include REITs in today’s market. Obviously, this website answers this questi...
by spdoublebass
Thu Nov 01, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13080

Re: Rick Ferri's new Core-4 (6 versions) Website

You may want to check out this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=262817&newpost=4193143&view=unread#unread I can't speak for Rick, but I suspect REITS are less correlated to the stock market and give a diversification benefit. Thank you. I searched for other threads, fig...
by spdoublebass
Wed Oct 31, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 13080

Rick Ferri's new Core-4 (6 versions) Website

[Thread merged into here, see below (next page) --admin LadyGeek] Here's his latest update that was released today. https://core-4.com/?fbclid=IwAR3M_i8NdwD4lbaUzbEYdlmWJNE68n4oKQgFkVudk0NQ-DDNeSkmW8-bTaA From reading this forum I knew his CORE 4 was going to be updated. I've paid attention to Mr. ...
by spdoublebass
Thu Oct 25, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 7588

Paul Merriman 2 Funds for Life

Just curious if anyone caught Paul Merriman's latest Podcast. I always find him interesting.

He came out with a 2 Fund portfolio.

https://paulmerriman.com/2-funds-for-life/

Basically it's 1.5 X your age in a TDF, and the remaining in SCV.
by spdoublebass
Thu Oct 25, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Specific Question about ST Bond fund vs MM
Replies: 5
Views: 651

Re: Specific Question about ST Bond fund vs MM

I know VGSH would be state tax free. From reading this forum, I know if a fund is combined treasury and corporate bonds it can be tricky. I was also curious about BSV. Short term bond fund. I live in NY. I am having a hard time finding what percent of the bond fund needs to be treasury for that port...
by spdoublebass
Wed Oct 24, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Specific Question about ST Bond fund vs MM
Replies: 5
Views: 651

Specific Question about ST Bond fund vs MM

I have made a previous post about saving for a non retirement goal about 10 years away. I'm am happy with my AA for that, this question is not about that side of things. I wanted to keep 10% of this money liquid and on hand. My first inclination was to just use a MM fund which at Vanguard has a Sec ...
by spdoublebass
Sun Oct 07, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 79
Views: 14383

Re: Why not a 2 fund portfolio like Bogle suggests

There are lots of scenarios I can easily imagine involving for example, runaway government spending on (take your pick) Healthcare, military, giveaways to the poor, giveaways to the rich, etc. where the US gets into economic trouble that both a) adversely affects the value of US bonds AND b) does n...
by spdoublebass
Sun Sep 23, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1902

Re: How do you define your success in our life, career and job?

"the real work is to see the world as real as it is and to make ourselves as real as we are in it." -Gary Snyder When I was younger my Dad told me that if I can do something I like for a living to do that. Even if I fail at it, you win. You can always go work 40 hours a week somewhere. I can't imagi...
by spdoublebass
Thu Sep 13, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA questions [GRA (Group Retirement Annuity) payout options]
Replies: 6
Views: 563

Re: TIAA questions

Additionally, many of us with larger TIAA plans use Trad as a bond surrogate, since its value can't decrease, unlike a real bond fund. But you can only use GSRA Trad to rebalance into stocks, obviously, not restricted GRA Trad. Also need to consider your overall AA. Don't see your ages mentioned, b...
by spdoublebass
Thu Sep 13, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA questions [GRA (Group Retirement Annuity) payout options]
Replies: 6
Views: 563

Re: TIAA questions

In the ORP, I have access to the GRA version of Traditional with 4% guarnteed. Are you sure that's the guaranteed minimum, rather than what it happens to be paying right now? I'd expect the guarantee to be something like 3.25% for a GRA or RA contract. I know this is not liquid. My question is this...
by spdoublebass
Thu Sep 13, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA questions [GRA (Group Retirement Annuity) payout options]
Replies: 6
Views: 563

TIAA questions [GRA (Group Retirement Annuity) payout options]

My wife and I each have a 403B with TIAA. These accounts represent a small portion of our overall portfolio because we are not Full time professors. Our University switched our titles and now we qualify for an ORP (Optional Retirement Program). We must contribute 3% of our income and the University ...
by spdoublebass
Sun Sep 09, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global Bond Index Portfolio (annuity)
Replies: 20
Views: 3327

Re: Vanguard Global Bond Index Portfolio (annuity)

I think the non-US bonds are currency hedged, but Vanguard badly wrote the description for BNWD so that the hedging is not immediately obvious. You have an eagle eye, I totally missed that. Yes, you're correct, the press release actually makes it more clear: Vanguard Total World Bond ETF is subject...
by spdoublebass
Thu Sep 06, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5949

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

So, when do they announce a VT + BNDW ETF-of-ETFs? I think they might one day do an ETF that tracks Global Market weight. So for example right now that would be: 57.8% VT 42.2% BNDW William Sharpe wrote a lot about this as I'm sure you know. I'm still (hopefully) a long way from retirement. I follo...
by spdoublebass
Thu Sep 06, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5949

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Well, I jumped in to this new ETF.
I had such a low amount in BND and BNDX that it won't make much difference.
by spdoublebass
Thu Sep 06, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5949

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

starkinthesouth wrote:
Thu Sep 06, 2018 12:09 pm

Agreed my math was not accurate, will update my post. Thanks
I make so many mistakes calculating stuff it's crazy. I just wanted to make sure. With this ETF of ETF structure it gets confusing fast.
by spdoublebass
Thu Sep 06, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5949

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Based on my quick calculation it appears that BNDW is composed of 37.2% BND and 62.8% BNDX (based on 18,275 shares BNDX and 11,075 shares BND). May I ask where you found this info? I can't find anything on the Vanguard website. I am not doubting your figures, just want to be able to see it for myse...
by spdoublebass
Thu Sep 06, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5949

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

Based on my quick calculation it appears that BNDW is composed of 37.2% BND and 62.8% BNDX (based on 18,275 shares BNDX and 11,075 shares BND). May I ask where you found this info? I can't find anything on the Vanguard website. I am not doubting your figures, just want to be able to see it for myse...
by spdoublebass
Tue Aug 28, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 52
Views: 3268

Re: Student Loan Repayment Plan

Whether you file separately or jointly I would pay off the debt asap. Over the long run his income will go up substantially over the next 25 years and thus his debt payment will increase such that eventually the amount of actual forgiveness will be not much compared to what he will be paying for 25...
by spdoublebass
Tue Aug 28, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 52
Views: 3268

Re: Student Loan Repayment Plan

Hi all - I am reviving this thread with additional questions since we had made the decision to get married next year. Any advice/comments will be very much appreciated. :sharebeer I posted earlier in this thread my thoughts. But I had a few more. I think REAPYE and PAYE both are based off of 10% of...
by spdoublebass
Fri Aug 24, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5590

Re: Is Treasury Direct worth the hassle?

I’m not advanced in anything investing wise. I found Treasury Direct to be easy. I even attach a secondary person to my iBonds in case of my death.

I also use it for individual treasury bonds.
by spdoublebass
Fri Aug 24, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1126

Re: Can you lose principal on these types of bond funds if you hold them to maturity?

I'm sorry, and I'm not just being needlessly picky, but funds don't have principal. Principal is money somebody owes somebody else. With a fund, even a bond fund, nobody owes you nothin'. You of course are putting your capital at risk, and the ETFs you mention might be less risky than some others, ...