Search found 6 matches

by scott_miller
Thu Oct 08, 2015 9:12 am
Forum: Personal Investments
Topic: Monthly investing
Replies: 2
Views: 571

Re: Monthly investing

I don't add to the bonds on a monthly basis, but I do in an index fund and recently in some ETF's. Your thoughts on having more risk with a 100% investment are true, it's inherent in what you're saying - there's no diversification. I'd keep the ratio you have at the moment, although I'd personally tweak it a bit towards 20% bonds and more in REITs.
by scott_miller
Tue Oct 06, 2015 6:20 am
Forum: Investing - Theory, News & General
Topic: Market history is calling, and it's saying stock performance will be [poor] for another ~10 years
Replies: 35
Views: 7608

Re: Market history is calling, and it's saying stock performance will be [poor] for another ~10 years

I wouldn't always take something from Business Insider as "the" way to go. Yes, the market is most likely going down, but when exactly that will start or how long it will go on - no one knows for sure. Things in tech and in society are changing at a faster pace than before, so market cycles might be affected either way.
by scott_miller
Tue Sep 22, 2015 11:05 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Unveils Two International Dividend Funds]
Replies: 26
Views: 4345

Re: Two New Vanguard Dividend Funds

Vanguard's research conclusions about shifting equity holdings toward higher-dividend-paying stocks. What these investors may fail to realize is that moving away from a broadly diversified portfolio and concentrating on certain sectors can potentially result in a less diversified portfolio, increased risk, decreased tax-efficiency (for taxable investors), and/or an increased chance of falling short of long-term financial goals. On the other hand, as discussed in this paper, a total-return approach potentially offers a number of portfolio benefits, including maintaining diversification, enhancing the portfolio’s tax-efficiency, and increasing the portfolio’s longevity. Total-return investing: An enduring solution for low yields :confused Cl...
by scott_miller
Fri Sep 18, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 361
Views: 73510

Re: Decided to try timing the market. 100% short on 9/17/15

VA_Gent wrote:Question: Have you back tested your model?
I have. You are betting on a losing strategy.

CAGR 10MMA (1953-2015) price only:

Buy&Hold=7.75%
Go to Cash=7.38%
Short=5.93% (Not to mention trading costs)
Those are the numbers I live/trade by.
by scott_miller
Sat Sep 05, 2015 8:49 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 50515

Re: The Bogleheads' Silent Majority

As someone who recently joined I just want to say that the overall message of "stay the course" in the forum is what I was looking for. Not only for its simplicity but because here I see the rationale behind it.
by scott_miller
Thu Sep 03, 2015 9:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684680

Re: U.S. stocks in freefall

The fall was to be expected. The only thing I'm looking at right now is the rate hike and how it will delay the inevitable. If it even manages to delay it at all.