Search found 18 matches

by willimusk
Tue Jan 21, 2014 10:19 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn't REIT's be a large % of your portfolio?
Replies: 67
Views: 13860

Re: Why shouldn't REIT's be a large % of your portfolio?

Is "unpack" the new word for read? Maybe that is why when I interview young job applicants and ask them to tell me about the last book they read they look at me funny. I must be using the wrong terminology. It's probably the word "book" that throws them. These days, it just don'...
by willimusk
Wed Nov 13, 2013 12:44 am
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 167
Views: 12294

Re: How many funds do you have in your portfolio?

Seven funds allocated thus: VTSAX - 18% - US Total Stock Index IJS - 12% - US Small Value VGSLX - 9% - US REIT VTIAX - 12% - Total Int'l Index VSS - 9% - Int'l Small Index VNQI - 6% - Int'l Real Estate VBIRX - 34% - Short Bond Index Bonds and REITS/real estate in tax deferred accounts; the rest in t...
by willimusk
Mon Dec 03, 2012 9:04 pm
Forum: Personal Investments
Topic: index funds for a taxable account
Replies: 8
Views: 1958

Re: index funds for a taxable account

I`ve selected the Vanguard admiral share classes of the S&P 500 (VFIAX), U.S. small cap (VSIAX), total international (VTIAX) and the tax exempt intermediate term bond fund (VWITX). Are you aware that VSIAX is a small cap value fund, not a regular small cap fund? It adds additional risk and pote...
by willimusk
Sun Nov 25, 2012 1:21 pm
Forum: Investing - Theory, News & General
Topic: Do you have money in taxable? What percent?
Replies: 74
Views: 7447

Re: Do you have money in taxable? What percent?

55% taxable. After years of being an itinerant college instructor, during which time I was unable to save anything, I started a business in my mid-40s that became successful after some lean years, and I've been playing catch-up. I max-out my 401k and IRA (and wife's IRA) but much of my retirement sa...
by willimusk
Wed Nov 21, 2012 8:29 pm
Forum: Personal Investments
Topic: For simplicity's sake, just VSS for international?
Replies: 11
Views: 2554

Re: For simplicity's sake, just VSS for international?

Thanks for all the replies so far. So one could IN THEORY do this to simplify equity holdings: 60% Total World (but not entirely practical because of the relatively high expense ratio) 20% U.S. Small Cap Value 20% International Small I definitely appreciate the efficiency of this approach, but I'd r...
by willimusk
Wed Nov 21, 2012 2:40 pm
Forum: Personal Investments
Topic: For simplicity's sake, just VSS for international?
Replies: 11
Views: 2554

For simplicity's sake, just VSS for international?

Hi All, I'm increasingly drawn toward the simplicity of the Four-Fund and the Swensen portfolios. But I'd also like to overweight small/mid cap exposure for the potential of added returns--understanding, of course, the added SmL risk and volatility. As a variation, I'm considering the following asse...
by willimusk
Sat Oct 27, 2012 11:35 am
Forum: Investing - Theory, News & General
Topic: REIT it's own asset class?
Replies: 23
Views: 2350

Re: REIT it's own asset class?

FWIW, Morningstar treats REITs as equities in its X-ray tool. Personally, because of their equities-like volatility, I treat them as not-bonds, meaning I set my bond allocation without considering REITs. By default, that shifts them toward my equities allocation, although I consider them a separate ...
by willimusk
Sun Sep 09, 2012 11:19 am
Forum: Investing - Theory, News & General
Topic: Questions About Value Tilting & Real World Results
Replies: 93
Views: 9046

Re: Questions About Value Tilting & Real World Results

ClosetIndexer, thank you for your exceptionally clear and informative posts on this topic.
by willimusk
Sat Mar 17, 2012 6:12 pm
Forum: Investing - Theory, News & General
Topic: What is the ER of your Equity Portfolio now?
Replies: 55
Views: 4359

Re: What is the ER of your Equity Portfolio now?

.12% for the whole enchilada.
by willimusk
Thu Oct 08, 2009 1:29 pm
Forum: Investing - Theory, News & General
Topic: Velocity of Money
Replies: 23
Views: 3445

Valuethinker, I always learn from your posts. Thank you.

Bill
by willimusk
Fri Aug 28, 2009 7:31 pm
Forum: Investing - Theory, News & General
Topic: Warning: M* Site Appears To Be Infected
Replies: 139
Views: 26219

Happened to me, too, this morning. I ended the process within seconds and did a full AVG scan, which revealed nothing. I hope that means there's nothing to reveal....

Thanks to RJB for the links to the Firefox ad-ons.

Bill
by willimusk
Thu Oct 16, 2008 11:46 pm
Forum: Investing - Theory, News & General
Topic: Roubini Advocates this is Simply the Beginning
Replies: 60
Views: 16724

Apologies to Darryl40

willimusk wrote: I've been following RGE for a couple of years now. It's true, Roubini's outlook has been largely pessimistic. It's also true that he's been largely accurate in his analyses. To my mind that makes him a Cassandra but not a fear monger. And for what it's worth, in an interview I read...
by willimusk
Tue Sep 30, 2008 6:20 am
Forum: Investing - Theory, News & General
Topic: Roubini Advocates this is Simply the Beginning
Replies: 60
Views: 16724

I've been following RGE for a couple of years now. It's true, Roubini's outlook has been largely pessimistic. It's also true that he's been largely accurate in his analyses. To my mind that makes him a Cassandra but not a fear monger. And for what it's worth, in an interview I read not long ago, he ...
by willimusk
Fri Feb 29, 2008 11:03 pm
Forum: Personal Investments
Topic: Should I Sell VTSMX for Tax Loss and Purchase VTI?
Replies: 8
Views: 3114

You'll have to wait 31 days before buying VTI to avoid the wash rule. VTSMX and VTI are different share classes of the same fund.
by willimusk
Sat Jan 12, 2008 11:36 am
Forum: Investing - Theory, News & General
Topic: Influence of ETF assets on Admiral shares
Replies: 3
Views: 1158

Influence of ETF assets on Admiral shares

Do total assets in ETF shares influence how quickly admiral shares become available in Vanguard funds, or are the two balances kept separate? I'm curious because I'm using VFWIX (the ex-USA All-World index fund) rather than VEU (the ETF version) so I can automatically DCA into it twice a month. VEU ...
by willimusk
Wed Jan 09, 2008 12:16 pm
Forum: Investing - Theory, News & General
Topic: Why are Vanguard ETFs cheaper than Admiral Shares?
Replies: 10
Views: 3274

A related question...

Do total assets in ETF shares influence how quickly admiral shares become available in new funds, or are the two kept separate by Vanguard? I'm curious because I'm using VFWIX (the ex-USA All-World fund) rather than VEU so I can automatically DCA into it twice a month. VEU is garnering money much mo...
by willimusk
Tue Jan 08, 2008 11:44 pm
Forum: Personal Investments
Topic: Where to park money while tax loss harvesting Total Stk Mkt?
Replies: 16
Views: 3360

I use VLACX. It tracks VTSMX pretty closely but is still different enough, IMO, holding 750 stocks instead of 3,000. Caveat: I'm neither a CPA nor a tax attorney.

Bill
by willimusk
Tue Sep 04, 2007 9:19 pm
Forum: Personal Investments
Topic: How much money do you keep in your checking account?
Replies: 35
Views: 13035

We keep 5 months living expenses in our checking account, which also serves as our brokerage sweep account. Currently paying around 5.1%, it's a sweet deal from Wells Fargo that's no longer available. And yes, we get those 100 free trades a year, too. 8)