Search found 716 matches

by snarlyjack
Sun Jun 17, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Here is a new analysis put together by a engineer
going back to 1926-2017 that I thought was interesting.

Enjoy...

https://paulmerriman.com/wp-content/upl ... risons.pdf

https://paulmerriman.com/the-case-for-s ... -retirees/
by snarlyjack
Sun Jun 17, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Dead Man Walking, That was great! I love your aphorism "money talks & b.s. walks". I'll have to remember that... I totality agree with you. I thought Kevin O'Leary's video was pretty informative for different assorted reasons. Thank You, Dead Man Walking :happy https://www.youtube.com/watch?v=DEfHnh...
by snarlyjack
Sat Jun 16, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Thank You, Moto Trojan. The dividend fund is good. It gives me all the emergency funds that I might need. I' am no longer contributing to the fund & it is passively rolling along (my emergency expenses could include property taxes, new roof, car maintenance, etc.). Currently, I' am 100% focused on l...
by snarlyjack
Sat Jun 16, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Here is a short video by Kevin O'Leary talking about
why he thinks small caps are going up...interesting conversation.

Dated May 2018. Enjoy...

https://www.youtube.com/watch?v=DEfHnhq_HeM
by snarlyjack
Fri Jun 15, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Nisiprius: I did read the blog "small-cap tilt, 1925-2004: good enough to make you switch?" Which I wanted to comment on. It was a very interesting challenge & story. However, going through what I went through settling my Mom's estate. I would not suggest to anyone to have 10 different funds. It mak...
by snarlyjack
Fri Jun 15, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 17
Views: 3586

Re: Our interview with Taylor Larimore

Thank You Taylor.

I agree you are the voice of reason
& it's much appreciated. :sharebeer
by snarlyjack
Fri Jun 15, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Thank You Vineviz,

I think I' am to young for bonds. I' am comfortable with 100% stocks.
I was thinking of the Total International Stock Fund.

I keep learning. The Bogleheads have helped a lot.
It takes a long time to put together a well thought out portfolio.

Once again...Thank You, Vineviz.
by snarlyjack
Fri Jun 15, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

Vineviz, Right now the % is really small about 10% small caps. That's because the brokerage account is so large. It's about $300,000. High Dividend Yield & $30,000. Small Cap Value. What I would like to do is not make any more contributions to the High Dividend Yield & concentrate 100% on Small Cap ...
by snarlyjack
Fri Jun 15, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3475

Re: Larry Swedroe: Rediscovering The Size Effect

How about a real life example. (you guy's are kind of talking above my head...) I read all of Paul Merrimans articles & agree with his statement that a 1/2% or 1% can change your life. With that in mind I changed my Roth IRA to 100% Vanguard Small Cap Value Fund (VSIAX). My broker account is 100% Va...
by snarlyjack
Thu Jun 14, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: New JUST ETF - thoughts?
Replies: 12
Views: 645

Re: New JUST ETF - thoughts?

I have read articles on people picking individual dividend paying stocks that are analyzing the company values. The idea is that dividend paying stocks are more share holder friendly, think J & J. They feel dividend paying stocks are giving back to the share holders & are more fiscally responsible w...
by snarlyjack
Wed Jun 13, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 14772

Re: Paul Merriman and Small Cap Value

abogler,

Paul Merriman.com is a very informative site.
He has lot's of articles, pod cast & videos on his
strategy. Paul would suggest Small Cap. Value Funds
not Small Cap. Blend Funds.

Hope this helps you...
by snarlyjack
Tue Jun 12, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 14772

Re: Paul Merriman and Small Cap Value

abogler,

Welcome to Bogleheads…

If I were you I would call/contact your 401K provider &
ask for suggestions for a Int. SCV ETF. Then go from their...

I hope I helped you & welcome.
by snarlyjack
Tue Jun 12, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Low inflation caused by e-commerce?
Replies: 15
Views: 1791

Re: Low inflation caused by e-commerce?

Raybo,

I have a friend that lives in Malaysia that I have been
e-mailing for years.

According to him the wages in Malaysia & Asia are terrible.
He is a computer system analyst. Highly educated, he
makes very little money.

He say's you can live like a king on $500. a month.
by snarlyjack
Tue Jun 12, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 3859

Re: Do Small Caps Outperform?

Here is a article on Small Cap. Stocks that you might find informative.
The more information the better...

Enjoy.

http://theconservativeincomeinvestor.co ... -a-caveat/
by snarlyjack
Sat Jun 09, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3018

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

No one knows the future. It seems to me that we want to try to put the statistic's in our favor. And, we do have some long term trends over 80 years that seem to hold on over time. The other thing I have noticed is: Large companies have a lot of money. When a small company is making cutting edge pro...
by snarlyjack
Sat Jun 09, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3018

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

Nice meeting you Rick. Ok...The fee difference between TSM (.04) & SCV (.07) is not much. Not a deal breaker in my book. For a young guy like myself I see no harm or very little risk to add a SCV (tilt) to my portfolio. I look for it to be the "after burner" to my LCV fund. I' am more of a value inv...
by snarlyjack
Sat Jun 09, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3018

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

I started studying Paul Merriman & his investment tables. I consider a simple portfolio 2 or 3 funds. Now, that we have the long term data of different asset classes it could be a game changer. As Paul Merriman said this could change your life... https://paulmerriman.com/wp-content/uploads/2018/02/2...
by snarlyjack
Fri Jun 08, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 14772

Re: Paul Merriman and Small Cap Value

Being a young guy Paul Merriman's numbers (see table) are very close to mine. I' am 24 years old - age 60 (IRA & 401K open up) = 36 years. Started at age 20 - mortality age 100 = 80 potential investment years. (I' am all ready up quite a bit in the past 4 years). If his numbers are good or for that ...
by snarlyjack
Fri Jun 08, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 14772

Re: Paul Merriman and Small Cap Value

Here is Paul Merriman's table for the 4 fund & 2 fund portfolio. I thought this table was very educational & informative. Because of this table I've been moving around my 401K & IRA funds & brokerage account to better match up with his suggestions. I feel more comfortable now than I ever have about ...
by snarlyjack
Mon Jun 04, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 14772

Re: Paul Merriman and Small Cap Value

Paul, I read every article on your web site, Paul Merriman.com (They were excellent by the way). I ended up going with your ultimate 2 fund strategy. My favorite investments are in large cap. value funds. (Big blue cap. funds). For several reasons. Dividends being 1 of the reasons. I also like the b...
by snarlyjack
Sat Jun 02, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Asset Location Gets REALLY Complex [Tax-ajusted asset allocation]
Replies: 21
Views: 2171

Re: Asset Location Gets REALLY Complex

I believe in the simpler the better philosophy. Roth 401K 1 fund. Roth IRA 1 fund. Taxable account 3 funds. Total funds 5. I really like all 5 funds but I don't want to get anymore. (some times you can't pick your asset location due to things like life insurance settlements that you can't put into a...
by snarlyjack
Sat Jun 02, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Strengths/Weaknesses of Market Cap and Value Strategies
Replies: 21
Views: 2147

Re: Strengths/Weaknesses of Market Cap and Value Strategies

Strengths & Weaknesses of Market Cap & Value Strategies... I consider myself a dividend investor (growth & value) but more value. One of the strengths of the dividend/value strategy is I plan to hold forever. I' am a young guy & I plan to hold for 70/80 years without selling. My portfolio looks like...
by snarlyjack
Fri Jun 01, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Milestones on the way to FI [Financial Independence]
Replies: 28
Views: 3101

Re: Milestones on the way to FI

Wow...It's my tribe.

My net savings rate is 60-65%.

Hitting it as hard as I can... :beer
by snarlyjack
Wed May 30, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11665

Re: To be or not to be complex, that is the question

1210sda, Thank You, it's good to hear... Meet some Millennial's (that I read, excellent info). Let's math this up... Early Retirement Now, Dr. ERN PHD. Economics. Actuary On Fire, MS Actuary. Four Pillar Freedom, BS Statistics. Millennial Revolution, BS Engineering. (me) SJ. BS Finance. Our generati...
by snarlyjack
Wed May 30, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11665

Re: To be or not to be complex, that is the question

Nice meeting you Rick.
(I've read a lot of your posts...Thank You).

Paul Merriman is starting to come to the same conclusion.

Here is some math that you might enjoy.

enjoy...

http://www.fourpillarfreedom.com/the-ma ... irst-100k/
by snarlyjack
Wed May 30, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

The math behind why net worth goes crazy after the first $100,000.

Charlie Munger (Warren Buffett partner) said the first $100,000. is the hardest.

Enjoy...

http://www.fourpillarfreedom.com/the-ma ... irst-100k/
by snarlyjack
Tue May 29, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: VTI or VIG as a core U.S Stock Market Holding
Replies: 27
Views: 7914

Re: VTI or VIG as a core U.S Stock Market Holding

Carol8888,

Welcome to Bogleheads.

When I think of VIG (dividend appreciation index fund) I think of quality.
It's a excellent fund...
by snarlyjack
Tue May 29, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing Discussion Thread
Replies: 22
Views: 2820

Re: Paul Merriman on Market Timing Discussion Thread

Paul,

I' am a Millennial & I appreciate what you are doing...Thank You.

Our elders are showing us the way (Jack Bogle, Warren Buffett, Paul Merriman
and many others). Their lights are shining on us & guiding the way...

Thank You!
by snarlyjack
Tue May 29, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Should financials stocks be included when implementing a quantitative value strategy?
Replies: 11
Views: 680

Re: Should financials stocks be included when implementing a quantitative value strategy?

Lauretta, I have a couple of comments that might help you. During the 2008/2009 financial recession the gov't made the banks stop paying their dividends because of gov't bank bailouts. But I think this has been resolved in the USA. (This also affected some funds like VHDYX in 2008/2009/2010). Who I ...
by snarlyjack
Mon May 28, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Marcopolo, That is a good point. I looked at the expense ratio's of VHDYX & VTSAX. VHDYX ER .15 (10,000 over 10 years) $353.00 VTSAX ER .04 (10,000 over 10 years) $95.00 $353.00 - $95 = $258.00 difference over 10 years. $353 / 10years = 35.30 year. $95. / 10 years = 9.50 year. Difference of $25.80 y...
by snarlyjack
Mon May 28, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing Discussion Thread
Replies: 22
Views: 2820

Re: Paul Merriman on Market Timing Discussion Thread

Paul,

Here is the smartest & most successful investor I know.
This is a very interesting video.
Please enjoy it...

https://www.youtube.com/watch?time_cont ... zw9IYR_5gw
by snarlyjack
Mon May 28, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Here is a video of Warren Buffett (2018 Berkshire Investor Conference).
In my opinion it is a great video...

Enjoy Warren Buffett giving advice...


https://www.youtube.com/watch?time_cont ... zw9IYR_5gw
by snarlyjack
Sun May 27, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Snowjob, Thank You...it's been quite the challenge. Let's talk taxes for a minute... My Vanguard accounts are all dividend paying funds. I have yet to pay any taxes on my accounts out of my pocket. (I have moved my work tax withholding (w-4) to zero 0, just in case). My State charges 6.9% dividend t...
by snarlyjack
Sun May 27, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Snowjob, (History) After my Mom died I realized I needed to get my act together. I started searching the web & landed on JL Collins site (the stock series). That is how I found Bogleheads & Vanguard because of JL Collins. I was analyzing his stock series (which is excellent & highly recommended). JL...
by snarlyjack
Sun May 27, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Hopefully this whole conversation will be informative to people that is my goal. True, the Trinity Study has nothing to do with dividends. However, the Trinity Study only goes out for 30 years. What has happened is as retirees go out longer than 30 years the advice has been to withdraw less than 4%....
by snarlyjack
Sun May 27, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Willthrill81, In my mind it get's back to a couple of things. My mortality is age 100 - age 24 = 76 years. The trinity study only goes out 30 years. Then it's questionable how much money is left. My mortality age 100 - my FIRE age 35 = 65 years. So I need to go way beyond the Trinity study. In my st...
by snarlyjack
Sun May 27, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Hi Willthrill81, Let's take drk's numbers that he just posted. Assume your living off of dividends & interest, $1,000,000. VHDYX = 3.09% VTSAX = 1.84% 1,000,000. x 3.09% = $30,900. VHDYX. 1,000,000. x 1.84% = $18,400. VTSAX. If your not going to sell off any shares & you let the principal amount flo...
by snarlyjack
Sun May 27, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Drk, The dividend strategy resonates with me for a couple of reasons. 1). I plan on never selling any shares. It's part of my Mom's estate & I want to keep it for her name sake. Eventually handing the portfolio down to my kids (generational). 2). I' am invested in 4 funds (tech fund in the 401k), Di...
by snarlyjack
Sun May 27, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Here are some wonderful graphs & insights.

10 charts and 10 insights .

Enjoy...

http://www.fourpillarfreedom.com/10-charts-10-insights/
by snarlyjack
Sun May 27, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Willthrill81, Apparently, your plan is together & your pretty zeroed in on your goals. As for me, I've been working on & studying this since I was 20 years old. My numbers indicate my FI age to be about 35. 35-20 = 15 years. I have 11 years to go to build the perfect portfolio. It seems once you und...
by snarlyjack
Sat May 26, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

Re: The Savings Rate Grid

Hi Willthrill81,

Thank You for the calculator.

It's all about the savings rate!

I've been averaging 65% of after tax income going
straight into my funds. It's surprising how fast they
are building up. I've seen the light & it's bright :happy
by snarlyjack
Sat May 26, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6687

The Savings Rate Grid

The Savings Rate Grid
by fourpillarfreedom.

This is a excellent set of grid's that can help you achieve fire (retirement).

Enjoy...

http://www.fourpillarfreedom.com/the-savings-rate-grid/
by snarlyjack
Fri May 25, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 19
Views: 5446

Re: Got a Question for the Experts Panel at the Bogleheads Conference?

When I visit other investment sites for example Seeking Alpha their seems to be a huge population of dividend investors both in individual stocks & dividend paying index funds (hundreds if not thousands of investors). I would like to request the panel discuss dividends & the dividend strategy. Using...
by snarlyjack
Fri May 25, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Bogle again calls for a total corporate bond fund
Replies: 26
Views: 4971

Re: Bogle again calls for a total corporate bond fund

sddoublebass, That is true I' am not retired...but someday. However, I' am a income investor. 100% of my portfolio is in index funds. Specifically, dividend paying index funds. Right in lock step with Jack Bogle. My portfolio is in: VHDYX (high dividend yield), VDAIX (dividend appreciation index), V...
by snarlyjack
Fri May 25, 2018 6:40 am
Forum: Investing - Theory, News & General
Topic: Bogle again calls for a total corporate bond fund
Replies: 26
Views: 4971

Re: Bogle again calls for a total corporate bond fund

Older Post... April 2013 It was interesting for me to read this old interview by Jack Bogle. Jack Bogle is way more pro dividends than most people realize. After reading 1 or 2 of Jacks books & numerous articles & interviews & his "gems" I' am convinced that Jack understands dividends & why they are...
by snarlyjack
Sun May 06, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Do stocks outperform Treasury Bills? Almost never.
Replies: 25
Views: 4914

Re: Do stocks outperform Treasury Bills? Almost never.

I totality agree Nedsaid.

I've been missing your comments (glad were back)..... :sharebeer
by snarlyjack
Sun May 06, 2018 6:20 am
Forum: Investing - Theory, News & General
Topic: Investing is more like poker than chess
Replies: 91
Views: 6525

Re: Investing is more like poker than chess

JoMoney,

This was a very interesting article by Jack Bogle.
Thank You for posting it...I enjoyed it.

Tic-Tac-Toe

http://johncbogle.com/speeches/JCB_Morningstar_6-97.pdf
by snarlyjack
Sat May 05, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: AAPL - Great Investment or Value Trap
Replies: 62
Views: 8279

Re: AAPL - Great Investment or Value Trap

Here is a article that just came out
concerning Warren Buffett purchase of AAPL.

enjoy...

http://theconservativeincomeinvestor.co ... -in-apple/
by snarlyjack
Sat May 05, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Dividend Drag?
Replies: 22
Views: 1516

Re: Dividend Drag?

Here is the original article that the OP was talking about.
This way we can all look at it & analyze it. From (Dividend Growth Investor).

enjoy this article...

https://www.dividendgrowthinvestor.com/ ... .html#more