Search found 713 matches

by Longtermgrowth
Sun Jun 21, 2020 1:58 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 131
Views: 14544

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

Anyone able to list the Siegel partnered WisdomTree "ETF Model Portfolios", "Rethinking the 60/40 Approach"? WisdomTree requires login as financial professional to see them. I did find an article on it mentioning one portfolio holds some non-WisdomTree ETFs, listing two Vanguard High Dividend Yield ...
by Longtermgrowth
Mon Jun 15, 2020 7:03 pm
Forum: Investing - Theory, News & General
Topic: If you invest in REITs, are you sticking with VNQ/VGSLX or getting selective
Replies: 11
Views: 1141

Re: If you invest in REITs, are you sticking with VNQ/VGSLX or getting selective

No international REITs? REET (iShares Global REIT ETF) is a nice single holding.
by Longtermgrowth
Wed Jun 10, 2020 2:12 am
Forum: Investing - Theory, News & General
Topic: Any good monthly distribution equity ETFs?
Replies: 14
Views: 915

Re: Any good monthly distribution equity ETFs?

Thanks for the input Grabiner and David Jay. A few extra months expenses in cash really isn't a big deal. I have a little money is OUSA and OUSM, both get 5 stars from morning star. I've heard of those ETFs before, even looked into the holdings, but never noticed they have monthly distributions. Reg...
by Longtermgrowth
Mon Jun 08, 2020 7:53 pm
Forum: Investing - Theory, News & General
Topic: Any good monthly distribution equity ETFs?
Replies: 14
Views: 915

Re: Any good monthly distribution equity ETFs?

May I ask why the focus on “monthly”? Say one has a low enough withdrawal rate and long time horizon where a high stock allocation should work. Maybe they want monthly distributions from some of their stock holdings. Surely some bogleheads don't want all of their stock distributions quarterly? If w...
by Longtermgrowth
Mon Jun 08, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: Any good monthly distribution equity ETFs?
Replies: 14
Views: 915

Any good monthly distribution equity ETFs?

Curious if others invest in and opinions on which equity ETF with monthly distributions might be decent (diversification, expense, most even distributions month to month)? So far, from what I've found, DTD (WisdomTree U.S. Total Dividend Fund) looks to be one of the best options out of the few avail...
by Longtermgrowth
Thu Jun 04, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: Trev H gets a nice mention on Paul Merriman's podcast
Replies: 2
Views: 462

Re: Trev H gets a nice mention on Paul Merriman's podcast

The Trev H 4 fund I'm familiar with is US Large Cap Blend, US Small Value, International Large Value and International Small Blend.

With inexpensive international small value now (Avantis) maybe those funds would be different if he were to construct a portfolio now?
by Longtermgrowth
Tue May 19, 2020 6:20 pm
Forum: Investing - Theory, News & General
Topic: My idea for a 3-fund portfolio
Replies: 13
Views: 890

Re: My idea for a 3-fund portfolio

I think a better small cap three fund portfolio would be something like: Emerging Markets Small Value: DGS Developed Small Value: DLS US Small Value: DES or one of these S&P 600 value funds: IJS, VIOV I hold all three of the above listed WisdomTree funds by the way, but they only make up a portion o...
by Longtermgrowth
Thu May 07, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4071

Re: Will a vpn complicate or improve my internet experience?

The free ones may connect you through a less than desireable location slowing you down more than necessary. Worth a try though since they're offering it to you. If not worried about questionable WiFi, they can still be useful for things like P2P connection gaming (hackers and admins can see ISP), wh...
by Longtermgrowth
Thu May 07, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: What are the risks investing in DIV?
Replies: 27
Views: 1038

Re: What are the risks investing in DIV?

I always look here when researching ETFs, here's their page on ticker DIV:
https://www.etf.com/DIV#overview

Funny their site warns of MLPs and unique tax implications, but further down says the fund doesn't distribute a K-1... Wonder how much of a pain that would be at tax time?
by Longtermgrowth
Sat May 02, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Dropping 2020
Replies: 17
Views: 2493

Re: Credit Score Dropping 2020

There was a change in how credit scores are calculated. https://www.nytimes.com/2020/01/25/business/credit-score-fico-change.html Thank you. That explains why mine has gone up about 30 points recently. The basic change is that it looks at balances and credit utilization over a longer time frame, no...
by Longtermgrowth
Thu Apr 02, 2020 8:43 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9801

Re: Does anyone else just not care/worry?

Stocks will fluctuate, doesn't bother me. I will buy them on sale :)

I have been surprised by all the threads/posts from bogleheads already capitulating. Stay the course!
by Longtermgrowth
Wed Apr 01, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 9075

Re: Online / Gun Dealer Recommendations

Buds gun shop +1 for Bud's Sportsman's Outdoors Superstore Palmetto State Armory As mentioned, you ship to a local licensed dealer. That could be a gun shop, pawn shop or individual who can do the transfer. I've bought from Buds as well, but have also found better deals on the exact gun I want at l...
by Longtermgrowth
Sat Mar 21, 2020 9:08 am
Forum: Personal Investments
Topic: What equities are you buying these days?
Replies: 6
Views: 337

Re: What equities are you buying these days?

milosz19 wrote:
Sat Mar 21, 2020 9:01 am
US REITS? Can you share the ticker?
Global REITs: REET (iShares Global REIT ETF)
by Longtermgrowth
Sat Mar 21, 2020 8:55 am
Forum: Personal Investments
Topic: What equities are you buying these days?
Replies: 6
Views: 337

Re: What equities are you buying these days?

Small Value, REITs, Large Value :)
by Longtermgrowth
Tue Mar 17, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: IJS vs VIOV
Replies: 3
Views: 262

Re: IJS vs VIOV

I saw some discussion of IJS being off the other day too. Something about this Larry Swedroe tweet and even his info being incorrect: https://twitter.com/larryswedroe/status/1239653450494992387?s=20 I would like to know what's going on to cause this incorrect info with IJS, but apparently not the ot...
by Longtermgrowth
Tue Mar 17, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1465

Re: Over FDIC Limit

fsrph wrote:
Tue Mar 17, 2020 9:05 am
I thought beneficiaries added to CD's added $250,000 coverage for each beneficiary. FDIC's coverage calculator -
https://edie.fdic.gov/calculator.html

Francis
That's a nice calculator, I haven't played with it in years. Helps determine coverage on other accounts at same bank too.
by Longtermgrowth
Tue Mar 17, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1465

Re: Over FDIC Limit

Dottie57, look here: https://www.fdic.gov/deposit/deposits/brochures/your-insured-deposits-english.html Under "Example 4: POD Accounts for One Owner when there are Five or Fewer Unique Beneficiaries". Reading the explanation of example 4 supports what I stated earlier, that the OP should have 500k o...
by Longtermgrowth
Tue Mar 17, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1465

Re: Over FDIC Limit

No, don't believe that would work. The easiest way to increase FDIC insurance would be to add a few beneficiaries to the CD. Could also start having interest sent to an external account if it's only starting to be over the FDIC limit. I didn't know adding a beneficiary would increase the limit. Tho...
by Longtermgrowth
Tue Mar 17, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1465

Re: Over FDIC Limit

^ Back when I was researching it, I actually called them to be completely sure that in my situation I had the coverage.
by Longtermgrowth
Tue Mar 17, 2020 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1465

Re: Over FDIC Limit

My understanding is 250k per beneficiary, so if I'm correct, you would need to add two beneficiaries to your CD to have 500k of FDIC insurance.
by Longtermgrowth
Tue Mar 17, 2020 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1465

Re: Over FDIC Limit

No, don't believe that would work. The easiest way to increase FDIC insurance would be to add a few beneficiaries to the CD.

Could also start having interest sent to an external account if it's only starting to be over the FDIC limit.
by Longtermgrowth
Thu Mar 12, 2020 9:57 pm
Forum: Personal Investments
Topic: TLH partner for DLS
Replies: 2
Views: 124

Re: TLH partner for DLS

How about AVDV (Avantis International Small Cap Value ETF)?
by Longtermgrowth
Wed Mar 11, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Can You Retire on the S&P 500?
Replies: 60
Views: 5865

Re: Can You Retire on the S&P 500?

The stock portion of my portfolio looks similar to that, but with less international and REITs, and more US large value.
by Longtermgrowth
Tue Mar 10, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: SCV premium
Replies: 87
Views: 4349

Re: SCV premium

^ Glad to hear you at least aren't selling at the worst time.
by Longtermgrowth
Mon Mar 09, 2020 9:57 pm
Forum: Personal Investments
Topic: Dividend yield ob VIG
Replies: 6
Views: 404

Re: Dividend yield ob VIG

It's been mentioned in other threads that VIG has a higher loading on the quality factor than QUAL (iShares Edge MSCI USA Quality Factor ETF), and it appears that's still the case: https://www.portfoliovisualizer.com/factor-analysis?s=y®ressionType=1&symbols=VIG+QUAL+VOO&sharedTimePeriod=true&fac...
by Longtermgrowth
Mon Mar 09, 2020 6:50 pm
Forum: Investing - Theory, News & General
Topic: SCV premium
Replies: 87
Views: 4349

Re: SCV premium

My avg. price for VIOV is 136.70$. Current price is 100.99$. -26% in 2.5 weeks. It's down -32% from its peak in August 2018. I'm srsly thinking about switching to VTI and never buy into factors again. The premium might be dead. Not sure anymore if it's still worth the bet. Wow. This might be the ca...
by Longtermgrowth
Mon Mar 09, 2020 6:09 pm
Forum: Personal Investments
Topic: Dividend yield ob VIG
Replies: 6
Views: 404

Re: Dividend yield ob VIG

VIG, being an index of companies that have increased their annual dividend for 10 or more years, always seems to have a higher P/E (price/earnings) and P/B (price/book) ratio than the S&P 500. Those stocks are seen as quality blue chips, so investors bid up their price, driving down their yield. Thi...
by Longtermgrowth
Thu Mar 05, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143926

Re: [Small Cap Value heads Rejoice !!!]

They may well end up being better options, especially at their competitive expense ratios. My hope is that they at least nudge WisdomTree to make a much needed expense ratio reduction given the competition now.

Shoot, look at VIOV (S&P 600 Value), already down to 15 basis points!
by Longtermgrowth
Thu Mar 05, 2020 6:55 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143926

Re: [Small Cap Value heads Rejoice !!!]

Would you mind giving your elevator pitch for the fund? Years back, I was looking for a way to get as close to DFA for small value globally. Researching all available options at the time, WisdomTree came the closest in direct comparison. It gave me some reassurance that Paul Merriman recommended DE...
by Longtermgrowth
Thu Mar 05, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143926

Re: [Small Cap Value heads Rejoice !!!]

Good words of caution above regarding RZV. While the valuations are tempting, I was just joking, as I don't need more holdings in my slice and dice portfolio. RZV really could be a small value tilt to an existing small value tilt though! Will be adding more to the fund I am one of the few (the only?...
by Longtermgrowth
Wed Mar 04, 2020 10:07 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143926

Re: [Small Cap Value heads Rejoice !!!]

Theoretical wrote:
Wed Mar 04, 2020 9:50 pm
Stepped-on Cigar Butt (Invesco S&P 600 Pure Value - Price/Book, Price/Sales, Price/Earnings - fundamentally reweighted)
Price/Earnings - 5.95
Price/Book - 0.64
Price/Sales - 0.18
Price/Cashflow - 2.34
All of a sudden I want to go buy some cigars and some RZV :D
by Longtermgrowth
Wed Mar 04, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143926

Re: [Small Cap Value heads Rejoice !!!]

Just bought more of small cap value index and small cap index. Both cheaper by 10% since the year started! My tilt is pretty mild, but I follow the discussions about small value with interest. Are there better ways to invest than VSIAX (the small value index)? It seems many here like the S&P 600 Va...
by Longtermgrowth
Sun Feb 23, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 194
Views: 19157

Re: Vanguard High Dividend Yield Index Fund

I have a tiny (proportionally) amount invested in this HYM ETF, and its sister HYMI international high dividend yield ETF. Just to avoid confusion for anyone reading this, you must mean VYM (Vanguard High Dividend Yield ETF) and VYMI (Vanguard International High Dividend Yield ETF). Looks like the ...
by Longtermgrowth
Sat Feb 22, 2020 9:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 194
Views: 19157

Re: Vanguard High Dividend Yield Index Fund

There have been a number of Morningstar articles speaking favorably about Vanguard High Dividend Yield Index over the years. A lot of them discuss the ETF version, VYM. Here's one from not too long ago: https://www.morningstar.com/articles/950301/this-etf-offers-high-yield-while-keeping-risk-in-chec...
by Longtermgrowth
Mon Feb 17, 2020 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge Bonus on Taxable - 1099?
Replies: 8
Views: 1114

Re: Merrill Edge Bonus on Taxable - 1099?

My bonus shows up on my Merrill 1099-MISC as "Other Income". That's very interesting. The 1099-MISC in my Merill tax document PDF shows only zeroes, including box 3 "Other Income". Just doing some quick searching, it appears the brokerage may not be required to file Form 1099-MISC if the bonus is b...
by Longtermgrowth
Mon Feb 17, 2020 2:35 am
Forum: Personal Investments
Topic: Wisdom Tree funds:Any opinion...
Replies: 24
Views: 1574

Re: Wisdom Tree funds:Any opinion...

My only concern with this FA's recommendation is that he recommends we go from my current 25% equities to his recommended 45% equities. This is probably worth starting a new asset allocation thread with. You'll get more views/replies to help determine your need, ability and willingness to take risk...
by Longtermgrowth
Sun Feb 16, 2020 6:11 pm
Forum: Personal Investments
Topic: Wisdom Tree funds:Any opinion...
Replies: 24
Views: 1574

Re: Wisdom Tree funds:Any opinion...

...I'm curious...which funds they are proposing? DLN,DON,DES DLN, WisdomTree U.S. LargeCap Dividend Fund, 0.28% ER, $2.5 billion in assets DON, WisdomTree U.S. MidCap Dividend Fund, 0.38% ER, $4.2 billion in assets DES, WisdomTree U.S. SmallCap Dividend Fund, 0.38% ER, $2.1 billion in assets So the...
by Longtermgrowth
Sun Feb 16, 2020 7:51 am
Forum: Personal Investments
Topic: Wisdom Tree funds:Any opinion...
Replies: 24
Views: 1574

Re: Wisdom Tree funds:Any opinion...

DLN,DON,DES So they're splitting, in some percentage, large, mid, and small value with those funds. This advisor doesn't recommend any international exposure. 45% US equity, 28% taxable fixed income, 14% muni fixed income plus 13% real estate. No international? Seems odd, though there are other way...
by Longtermgrowth
Sat Feb 15, 2020 10:21 pm
Forum: Personal Investments
Topic: Wisdom Tree funds:Any opinion...
Replies: 24
Views: 1574

Re: Wisdom Tree funds:Any opinion...

In discussion with flat fee asset manager who uses a lot of WisdomTree equity funds along with DFA and Vanguard in his proposed allocations of my assets. I am not familiar with WisdomTree. Any thoughts? Thanks in advance. WisdomTree's small value funds track closely to DFA since inception, last tim...
by Longtermgrowth
Tue Feb 11, 2020 3:29 am
Forum: Personal Investments
Topic: Adding REIT's to My Portfolio
Replies: 3
Views: 563

Re: Adding REIT's to My Portfolio

BHawks87 wrote:
Mon Feb 10, 2020 8:58 pm
I want to follow Rick Ferri's Core Four but am wondering what everyone's opinion is on using a World REIT in place of a US REIT.

iShares REET is only .14% vs VGSLX at .12%.

Thoughts?
I think diversifying internationally, with one reasonably priced fund, is a good idea vs only holding US REITs.
by Longtermgrowth
Sun Feb 02, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21553

Re: Total Stock Market Index - Section 199A dividends this year

Thanks for the replies to my question. I'm waiting for WisdomTree's 2019 Tax Supplement Report to be released, but it just crossed my mind to check their 2018 report, and there were no Section 199A Dividends listed for DES that year. My 1099-DIV may be correct. On a side note, I went through the lis...
by Longtermgrowth
Sun Feb 02, 2020 4:36 am
Forum: Investing - Theory, News & General
Topic: International ETFs that split high/low foreign dividend tax?
Replies: 1
Views: 236

Re: International ETFs that split high/low foreign dividend tax?

Don't believe so, but if there are, I'd like to hear about them too.

Probably best bet would be to stick with Total International Index. Emerging Markets Indexes have a higher Foreign Tax Credit, but also lower Qualified Dividend Income.
by Longtermgrowth
Sat Feb 01, 2020 10:44 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21553

Re: Total Stock Market Index - Section 199A dividends this year

Anyone find it odd that my 1099-DIV only lists VTI (Vanguard Total Stock Market) as having Section 199A Dividends, while some of my other holdings have a higher % REITs?

Example: DES (WisdomTree U.S. SmallCap Dividend Fund) with over 15% Real Estate...
by Longtermgrowth
Wed Jan 29, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Don't Get Escheated! (Planet Money on Escheatment)
Replies: 36
Views: 4623

Re: Don't Get Escheated! (Planet Money on Escheatment)

I get a notification to log into an account I have for a direct CD if close to 6 months have passed. They say my account will be locked if I let it go longer. Another direct CD doesn't require that at all, but they will require me to call with maturity instructions, unlike the other bank that lets m...
by Longtermgrowth
Mon Jan 27, 2020 7:27 pm
Forum: Investing - Theory, News & General
Topic: 5 reasons to avoid dividend investing(says professional) what say you?
Replies: 12
Views: 1875

Re: 5 reasons to avoid dividend investing(says professional) what say you?

A lot of that doesn't apply if picking a low cost dividend index. Sure it holds less stocks than a total market fund, and may be less tax efficient, but can still be a decent fund. Especially in tax advantaged. My largest holding is VYM (Vanguard High Dividend Yield Index). I like the large value ti...
by Longtermgrowth
Fri Jan 24, 2020 6:20 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4270

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday!

That picture of you with the three fund managers is pretty cool!
by Longtermgrowth
Thu Jan 23, 2020 7:03 am
Forum: Investing - Theory, News & General
Topic: Why no FTC for REET ETF?
Replies: 5
Views: 503

Re: Why no FTC for REET ETF?

It appears that funds have to have at least 50% of their assets in foreign corporations to pass along the foreign tax credit. Vanguard's Total World fund gets 64% of its income from foreign assets; I guess if that drops below 50% then it also won't be able to pass along the foreign tax credit? (I'm...
by Longtermgrowth
Wed Jan 22, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: Why no FTC for REET ETF?
Replies: 5
Views: 503

Re: Why no FTC for REET ETF?

Interesting... Thank you for your input :!:
by Longtermgrowth
Wed Jan 22, 2020 8:43 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27400

Re: Sad news: LadyGeek's husband has passed

Very sad news. Wish you well during this dufficult time.
It's a terrible disease and terrible on the caregiver. I've done the caregiving job as well :(
by Longtermgrowth
Wed Jan 22, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: Why no FTC for REET ETF?
Replies: 5
Views: 503

Why no FTC for REET ETF?

I checked the iShares distribution summary for 2015 to 2018 (all available so far since fund inception), and iShares Global REIT ETF (REET) has no foreign tax credit so far. Anyone know why since it holds around 35% international REITs? In the few threads that I've seen here about REET, it has been ...