Search found 470 matches

by Longtermgrowth
Tue Jan 16, 2018 4:03 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 32
Views: 2560

Re: International Small-cap Value Funds ??

FNDC and the Powershares PDN (.50) are good options. Don't be unduly taken aback by them being "blend funds" as the RAFI methodology tends to grab a lot of deep value and cheap blend-growth. They're also the only good pair of solutions in taxable accounts. DLS is great in tax-deferred accounts but ...
by Longtermgrowth
Tue Jan 16, 2018 3:45 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

IJS is probably the best way to get exposure to small value. While it’s expense ratio is higher than others, they do enough share lending to make up for it. It also has the most liquidity. STAY AWAY from the Russell indices as they underperform significantly. About 95% of my domestic equity allocat...
by Longtermgrowth
Mon Jan 15, 2018 4:10 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 32
Views: 2560

Re: International Small-cap Value Funds ??

I like Merriman's Ultimate-buy-and-hold approach. However, Vanguard does not seem to have any funds for the "International small cap value" asset class. Are there any alternatives that work, other than going to DFA? At one time Paul himself suggested DLS, but rather he still does or not I don't kno...
by Longtermgrowth
Sun Jan 14, 2018 4:38 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3242
Views: 942401

Re: What Movie Have You Recently Watched?

Green Street wrote:
Tue Jan 02, 2018 10:38 pm
American Made with Tom Cruise, reminds me of the cult classic Blow. Done pretty well IMO.
Ah yeah, that one was pretty good. Something about the time period of the movie kind of depressed me, but that just comes down to personal experiences...
by Longtermgrowth
Sun Jan 14, 2018 3:28 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3242
Views: 942401

Re: What Movie Have You Recently Watched?

Many of the most recent movies I've watched aren't worth mentioning. I always try to find something that will give a few laughs, or at least a decent action movie. I rented The Hitman's Bodyguard thinking it fit in the latter category, but haven't laughed as much at even a pure comedy since I can't ...
by Longtermgrowth
Fri Jan 12, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: ultimate all-value portfolio using Vanguard
Replies: 5
Views: 573

Re: ultimate all-value portfolio using Vanguard

Is this a taxable or a tax-deferred account? In a taxable account, you don't want to use Vanguard International Value, and even in a tax-deferred account, it isn't strongly biased towards value; you might use a non-Vanguard value ETF. I like Mr. Merriman's more recent recommendation for internation...
by Longtermgrowth
Fri Jan 12, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: ultimate all-value portfolio using Vanguard
Replies: 5
Views: 573

Re: ultimate all-value portfolio using Vanguard

If not willing to use ETFs, the best I can find is this page on Vanguard mutual funds: https://paulmerriman.com/vanguard/ It looks like you can just select the value funds from the list, and get to all value except for international small caps. The best Vanguard does there is the blend fund VFSVX (V...
by Longtermgrowth
Thu Jan 11, 2018 5:20 am
Forum: Investing - Help with Personal Investments
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 12
Views: 1558

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

How significant is foreign tax credit if I invested $20,000 in vxus? Before the decent run-up in VXUS, back towards the end of 2016, I was trying to find out how much I could put in it without having to deal with form 1116 for a single filer. It was a hair below 150k invested at that point in time....
by Longtermgrowth
Thu Jan 11, 2018 1:19 am
Forum: Investing - Help with Personal Investments
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 12
Views: 1558

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

Indeed. I specifically remember one member here recommending a combo of total stock market along with VT for the international portion. It doesn't make any sense at all at that point, since already holding two funds. Keep international total international for taxable accounts! The info provided by o...
by Longtermgrowth
Thu Jan 11, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Help with what to do with drafty fireplace
Replies: 26
Views: 1275

Re: Help with what to do with drafty fireplace

Look up "fireplace inflatable draft stopper". It's my best idea while keeping it usable in the future if desired... If often used, glass doors? Mine draws so much air from the house, anything below mid 40 degree range makes the whole house colder, except for the room it's in, when used. Been wanting...
by Longtermgrowth
Wed Jan 10, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 12
Views: 1558

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

Interesting! Thanks for letting us know.
I have seen some recommend VT for taxable, but knowing this possibility, it could be a very bad recommendation.
by Longtermgrowth
Tue Jan 09, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: AA - Too Heavy Of A Small Cap Tilt?
Replies: 20
Views: 1161

Re: AA - Too Heavy Of A Small Cap Tilt?

I just checked my ETFs on Morningstar Instant X-Ray, within a few percentage of the last value that I remember. I'd like less in large value and more in mid value without having to add another ETF... Total Portfolio 31 16 16 08 06 03 10 07 03 Does this free Instant X-Ray link work for you? http://po...
by Longtermgrowth
Mon Jan 01, 2018 12:56 am
Forum: Investing - Help with Personal Investments
Topic: VBR
Replies: 8
Views: 818

Re: VBR

I've wondered the same thing about small caps myself. I have a decent chunk of my portfolio in small value, but looking at P/E, at least domestically (U.S.), they are pricier than my favorite domestic large value fund, VYM (Vanguard High Dividend Yield ETF). Do they generally always have a higher P/...
by Longtermgrowth
Tue Dec 26, 2017 1:07 am
Forum: Investing - Theory, News & General
Topic: Annual vs quarterly dividends from Schwab fund
Replies: 16
Views: 1221

Re: Annual vs quarterly dividends from Schwab fund

Hah, a fund with a distribution on/off switch. That would be pretty good, especially for those of us that can get by on the dividend yield of our portfolio, not having to bother selling shares. I'm going to look up which countries allow funds to not distribute dividends. If I don't post it here, hop...
by Longtermgrowth
Tue Dec 26, 2017 12:47 am
Forum: Investing - Theory, News & General
Topic: Annual vs quarterly dividends from Schwab fund
Replies: 16
Views: 1221

Re: Annual vs quarterly dividends from Schwab fund

I imagine it would give up the diversification us bogleheads want and know we need. I like dividend paying stocks for a number of reasons, and want them in my portfolio, but wouldn't it be cool to have the option to select a fund that holds them with no distributions? Just watch the NAV of the fund ...
by Longtermgrowth
Tue Dec 26, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Annual vs quarterly dividends from Schwab fund
Replies: 16
Views: 1221

Re: Annual vs quarterly dividends from Schwab fund

This actually made me think of posts by some members, wishing for a fund that has no distributions, just to avoid a taxable event during accumulation.

I seem to remember reading that some countries allow funds to do that, but not in the U.S. unfortunately...
by Longtermgrowth
Tue Dec 26, 2017 12:16 am
Forum: Investing - Theory, News & General
Topic: Annual vs quarterly dividends from Schwab fund
Replies: 16
Views: 1221

Re: Annual vs quarterly dividends from Schwab fund

Interesting. The dividends are baked into the net asset value (NAV) of the fund, so it really doesn't matter how often the distributions are.

The NAV of the fund decreases by the amount of the distribution, but this can be hard to see with market movement throughout the day.
by Longtermgrowth
Mon Dec 25, 2017 1:31 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8136

Re: My Christmas Present to You

Thank you, Mr. Larimore :beer Wishing you and everyone else a Merry Christmas!
by Longtermgrowth
Sat Dec 23, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4030

Re: Different ways to order coffee

I always just brew my own, probably adding more grounds of dark roast than I should, and drink it straight without adding sugar or cream. Sure sometimes it can taste better with some sugar, but where's the fun in that knowing the rest of our diet gets us way above the max of 50 grams per day that's ...
by Longtermgrowth
Thu Dec 21, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

That said, I very much respect Mr. Larimore and the default boglehead view, and will always have a percentage of my portfolio in VTI (Vanguard Total Stock Market ETF), if not tax loss harvested for VOO (Vanguard S&P 500 ETF), along with VXUS (Vanguard Total International Stock ETF) :sharebeer
by Longtermgrowth
Thu Dec 21, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

Also, besides being diversified among factors, unlike total market funds relying solely on market beta, many of these small value funds have a much lower percentage in top 10 holdings compared to total market domestic and total international. Less individual stock concentration and still around 1k h...
by Longtermgrowth
Tue Dec 19, 2017 3:43 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

Shows it literally pays to pay attention to the small value asset class. Rather allocating a percentage of ones portfolio to it and rebalancing annually, or adding more money on those more volatile days throughout the year, or having predetermined rebalancing bands =)
by Longtermgrowth
Tue Dec 19, 2017 3:03 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

Thanks, livesoft. I hope to be able to always rationalize buying the cheapest asset in my portfolio to at least maintain my desired asset allocation.
It felt great buying more of DES last week when it dropped 1.2%. Though it felt just as good watching it gain everything back the next day :)
by Longtermgrowth
Tue Dec 19, 2017 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 6384

Re: Can I afford it: Dodge Challenger

If already maxing out tax advantaged, I would build up taxable savings along with taxable investments before dropping that amount of money on a gas guzzling vehicle. There is a fella on YouTube leasing a challenger hellcat, Tall Guy Car Reviews, that makes some interesting videos, great personality,...
by Longtermgrowth
Tue Dec 19, 2017 1:12 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

Crushtheturtle wrote:
Tue Dec 19, 2017 12:57 am
^^
livesoft wrote:
Mon Dec 18, 2017 3:01 pm
One cannot simply buy-and-hold this asset class.
Why do you keep saying this?
I look forward to hearing livesoft's response. triceratop's view of livesoft's reasoning for saying that: viewtopic.php?f=10&t=234293&p=3662082#p3662079
by Longtermgrowth
Tue Dec 19, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 91
Views: 7365

Re: Paul Merriman and Small Cap Value

Comparing these funds average market cap on Morningstar, along with looking at their value tilt in the Morningstar 9 box style grid is helpful. VBR has a decent amount of mid caps in it compared to VIOV, but VBR also has more of a value tilt. I really like international small value, since internatio...
by Longtermgrowth
Thu Dec 14, 2017 3:58 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 103
Views: 10135

Re: Small cap value vs. total market?

deltaneutral83 wrote:
Wed Dec 13, 2017 9:14 am
Merriman posted a podcast on SCV recently.
This one? https://paulmerriman.com/?powerpress_pinw=16819-podcast

I really enjoyed listening to that while watching the Geminid meteor shower tonight.
by Longtermgrowth
Wed Dec 13, 2017 2:24 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 103
Views: 10135

Re: Small cap value vs. total market?

Thanks triceratop, yes I know livesoft is well known here for successful market timing, and I have seen the opportunities abundant in small caps myself. Along with you, livesoft, and a number of others here, I hold your opinions in high regard. Thought I would add a chart of the above tickers I ment...
by Longtermgrowth
Wed Dec 13, 2017 1:58 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 103
Views: 10135

Re: Small cap value vs. total market?

Also I think Livesoft's point above shouldn't be overlooked: "SCV is not for the buy-and-hold person. One has to rebalance into SCV when it is doing terrible and out of SCV when it has done great. The swings of SCV are much more than the swings of a total market index fund. If one merely watches SC...
by Longtermgrowth
Tue Dec 12, 2017 3:29 am
Forum: Investing - Theory, News & General
Topic: Did Capital One 360 Savings raise rates?
Replies: 31
Views: 3978

Re: Did Capital One 360 Savings raise rates?

I left a very small amount in Savings in case I need that account in the future. Interest rates and Capital One 360's policies will change over time. And my account balance at Capital One 360 will also fluctuate. So, I thought it best to retain flexibility by having savings in addition to MM (and c...
by Longtermgrowth
Mon Dec 11, 2017 12:28 am
Forum: Investing - Theory, News & General
Topic: TSM vs High Dividend Yield if I never choose to sell?
Replies: 36
Views: 2422

Re: TSM vs High Dividend Yield if I never choose to sell?

At that age, with so many years to go till retirement and current amount to invest, tax efficiency is important. Diversification is also very important. I would go with total market funds, keeping at least some percentage in total international stocks. Then, put max contribution in tax advantaged ac...
by Longtermgrowth
Fri Dec 08, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Pepsi moving from NYSE to NASDAQ
Replies: 5
Views: 694

Re: Pepsi moving from NYSE to NASDAQ

I too am curious about others view of the change. As of now, I have no clue if it's viewed as a step up or not! snarlyjack, Kraft Heinz Co is mentioned in that article as already being on that exchange, and it's currently listed as holding #49 for VYM on Vanguard's site. Edit: An interesting compari...
by Longtermgrowth
Fri Dec 08, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: GPS tracker for loved one w Alzheimer’s
Replies: 21
Views: 1287

Re: GPS tracker for loved one w Alzheimer’s

It might not hurt to ask the police department. Here, an officer will come out and provide one free of charge.
by Longtermgrowth
Thu Dec 07, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 2946

Re: Fuel Additives for 2017 Toyota Camry

If you use top tier fuel, throwing a fuel system cleaner in once a year at your annual mileage may not even have much to clean. http://www.toptiergas.com I would never pay dealer for an additive that's more than likely very similar to techron complete fuel system cleaner. The trick is to find one of...
by Longtermgrowth
Wed Dec 06, 2017 12:20 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 3170

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

I don't think so... I like dividends, but I want the NAV of the fund to outpace inflation by as much as possible. Ideally even when not reinvesting dividends. Here's another thing to consider: "Fundamental View Modigliani and Miller’s dividend irrelevance theorem states that, ignoring taxes, informa...
by Longtermgrowth
Tue Dec 05, 2017 1:19 am
Forum: Investing - Theory, News & General
Topic: WisdomTree on Masters in Business Podcast
Replies: 4
Views: 418

Re: WisdomTree on Masters in Business Podcast

why? what is good about them? DES gets small value exposure done for U.S., though not in the most tax efficient manner. I will link a previous post of mine about Paul Merriman recommending it as an option a few years ago. Also, he currently lists DLS as the best option for international small value...
by Longtermgrowth
Tue Dec 05, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: WisdomTree on Masters in Business Podcast
Replies: 4
Views: 418

Re: WisdomTree on Masters in Business Podcast

Anyone own WisdomTree ETFs? Is it available to retail investors or only through a financial advisor? Is it worth the additional expense ratio? I hold them for small value stock exposure in the U.S., developed and emerging markets via ticker DES (WisdomTree U.S. Small Cap Dividend ETF), DLS (Wisdomt...
by Longtermgrowth
Sun Dec 03, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose one of these High Dividend Yield ETFs
Replies: 12
Views: 846

Re: Help me choose one of these High Dividend Yield ETFs

I know SCHD, VYM and VIG pay quarterly. I use some dividend funds to gain exposure to value stocks (varies depending on the fund selected), in an attempt to take advantage of the value premium. DES (WisdomTree U.S. Small Cap Dividend ETF) is the only one I hold that pays monthly. https://www.boglehe...
by Longtermgrowth
Sat Dec 02, 2017 5:57 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3302

Re: I'm 100% international with VEU. Is this wise?

...Maybe listening a bit more to Buffett's comments about betting against the U.S., the most powerful country in the world, would be of benefit... Maybe... maybe not... but it definitely removes the potential for regret if you're using the S&P500 as a benchmark. If you're betting on VEU as an activ...
by Longtermgrowth
Sat Dec 02, 2017 3:04 am
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3302

Re: I'm 100% international with VEU. Is this wise?

I would want more small caps via at least a low cost blend fund like VSS. They should derive more revenue from their local economies than the multinational large caps, and have less correlation to U.S. equities. Also, going past market cap weight international is a huge bet, that historically hasn't...
by Longtermgrowth
Fri Dec 01, 2017 1:11 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4737

Re: I Can "Afford" This Right? (New Car)

Why not a base Mustang GT? Strong 5.0 V8, fun to drive with the manual, can run regular fuel while only giving up about 5hp; can buy new for low 30k range...

The above is what runs through my head whenever I see reviews of the more expensive sports cars with very similar performance stats.
by Longtermgrowth
Tue Nov 28, 2017 11:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 155
Views: 16556

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Is the multifactor ETF going to be a combo of all the other factor ETFs?

I'll be keeping an eye on the value factor ETF...

Morningstar's talk about it: http://beta.morningstar.com/videos/8385 ... anger.html
by Longtermgrowth
Thu Nov 23, 2017 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 2206

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

I really enjoyed reading this, thank you for sharing. Happy Thanksgiving everyone!
by Longtermgrowth
Thu Nov 23, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Add international value?
Replies: 10
Views: 1272

Re: Add international value?

The big question now is whether to go "more Merriman" and add international value. I see that Paul added VYMI to his recommendations in the international large cap value bucket, but I can't find a Vanguard ETF for intl small cap value. If for no other reason than symmetry, I would rather have both ...
by Longtermgrowth
Mon Nov 20, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for job, should I freeze my credit now?
Replies: 6
Views: 987

Re: Looking for job, should I freeze my credit now?

I wonder how the credit lock, that's free at Equifax and TransUnion, ends up working for potential employer pulls. It's supposed to allow low threat pulls from insurance companies and employers, but doesn't say if it's only existing employers. I agree with everyone else that freezing (or maybe locki...
by Longtermgrowth
Sun Nov 19, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5805

Re: Holding VTSAX only

Even better go 50/50 VTSAX/VTIAX and call it a day. Add Total Bond funds when you get older. Simple.... At least some percentage of international stocks, it's a big world and currently over 6k stocks in Vanguard's Total International Stock Index. I keep referencing this thread from Mr. Larimore: ht...
by Longtermgrowth
Sat Nov 18, 2017 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 16
Views: 3275

Re: Why did Vanguard drop TurboTax?

Ah well, cept for those if us that are reaching a billion, I bet most everyone got where they are by watching where every dollar goes.
Noticed a discount for TT advertised on Merrill Edge; hopefully it still applies when tax time comes.....
by Longtermgrowth
Sat Nov 18, 2017 2:25 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5805

Re: Holding VTSAX only

Shoot, I think Buffett lives for bear markets. I remember reading something about a comment from Buffett saying to not just bring a bucket out in the rain, but to bring the bathtub!

Dang, he ain't got time for it? Berkshire Hathaway has what, about 100 billion just waiting to deploy during it?
by Longtermgrowth
Fri Nov 17, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15751

Re: Why pay cash for a car?

If buying new, a lot of times there are incentives/rebates that take thousands off MSRP paying cash. When offers like that are around, usually 0% APR is the alternative if financing. The last vehicle I bought had a 4k rebate, so that combined with negotiating below invoice, I didn't think I could ma...
by Longtermgrowth
Thu Nov 16, 2017 4:47 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 124
Views: 16082

Re: Buying and Spending Bitcoin

I just looked up Mycelium on my phone, and the first app coming up is "Mycelium Bitcoin Wallet". I noticed in comments that miner fees are getting outrageous, and saw a comment about fees being listed as 3usd, but turning out to be 18usd. No clue what type of transactions they were doing though...