Search found 590 matches

by Longtermgrowth
Fri May 17, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3428

Re: Bonds beyond Total Bond Market - Anyone ?

Surprised IUSB (iShares Core Total USD Bond Market ETF) hasn't been mentioned:

"Exposure to potentially higher yielding bonds not included in the Bloomberg Barclays U.S. Aggregate Bond Index"

https://www.ishares.com/us/products/264 ... market-etf
by Longtermgrowth
Thu May 16, 2019 4:02 am
Forum: Personal Investments
Topic: How invest $1.5 million to assure at least $30K income per year in 2019 dollars?
Replies: 13
Views: 2745

Re: How invest $1.5 million to assure at least $30K income per year in 2019 dollars?

Very sorry to hear the situation. Glad you can put enough away to ensure future care though. I like the idea of a CPI annuity, at least for the fixed income portion, but must take into consideration your state guaranty limit. As far as I know, there is only one annuity provider currently offering a ...
by Longtermgrowth
Thu May 16, 2019 3:25 am
Forum: Personal Investments
Topic: Using Value Averaging on Vanguard's Small Caps Growth (VBK)
Replies: 3
Views: 318

Re: Using Value Averaging on Vanguard's Small Caps Growth (VBK)

The general Boglehead view is to hold a constant allocation to stocks/bonds per ones need, willingness and ability to take risk. Just rebalance from one to the other to maintain desired allocation. Total market funds are the default holding recommendation, but many tilt their stock holdings to riski...
by Longtermgrowth
Sat May 04, 2019 4:58 pm
Forum: Personal Investments
Topic: Vanguard Free/Zero Funds
Replies: 43
Views: 4085

Re: Vanguard Free/Zero Funds

What's the general consensus if Vanguard will ever start offering 0% ER funds like Fidelity is now offering? Some of Vanguard's funds are there or past it after securities lending revenue. VSS (Vanguard FTSE All-World ex-US Small-Cap ETF) has enough securities lending revenue to more than offset it...
by Longtermgrowth
Sun Apr 07, 2019 3:43 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold...thoughts?
Replies: 27
Views: 4003

Re: Ultimate Buy and Hold...thoughts?

Rather going with the fine tuning of the extra funds or with the simpler version mentioned by livesoft, both are a good way to go if believing in the size and value premium. Paul Merriman is a stand up guy trying to help investors. He is no different than Bogle and Taylor Larimore in that regard, an...
by Longtermgrowth
Sat Mar 30, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: I drive 8000 miles a year, what car do you recommend?
Replies: 39
Views: 3328

Re: I drive 8000 miles a year, what car do you recommend?

With that low mileage, I'd look for the most power for my money. Maybe a base V6 instead of another hybrid (doubt a new V8 would be low enough in price compared to a prius). Might be able to find a good price on a Dodge Charger or Challenger depending on time of year. Those are heavier vehicles, whi...
by Longtermgrowth
Tue Mar 12, 2019 9:08 pm
Forum: Personal Investments
Topic: starting out with etf
Replies: 14
Views: 900

Re: starting out with etf

Long term bonds are perfectly fine. Matter of fact, they tend to zig when stocks zag more than shorter durations (look at long term bonds increasing 30+% in 2008 for instance). You could also do a long/short barbell doing 50/50 TLT and SHY for your bond portion. That will behave similar to an inter...
by Longtermgrowth
Tue Mar 12, 2019 7:09 pm
Forum: Personal Investments
Topic: starting out with etf
Replies: 14
Views: 900

Re: starting out with etf

I see that ISTB (iShares Core 1-5 Year USD Bond ETF) and IMTB (iShares Core 5-10 Year USD Bond ETF) are also on the commission free list. Could use one or both of those to shorten duration of ILTB (iShares Core 10+ Year USD Bond ETF) if desired. ITOT is a nice commission free option for total us ma...
by Longtermgrowth
Tue Mar 12, 2019 5:54 pm
Forum: Personal Investments
Topic: starting out with etf
Replies: 14
Views: 900

Re: starting out with etf

Yes. Ally does offer some commission free ETFs. Its not as varied as other places offer, but I hope it's good enough for me to get started. I see that ISTB (iShares Core 1-5 Year USD Bond ETF) and IMTB (iShares Core 5-10 Year USD Bond ETF) are also on the commission free list. Could use one or both...
by Longtermgrowth
Mon Mar 11, 2019 2:09 am
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 147
Views: 14145

Re: Why does dividend investing not work?

VHDYX is apparently the mutual fund version of VYM. Here's a Morningstar growth chart comparing VHDYX with VTSMX (Vanguard Total Stock Market): VHDYX (blue) versus VTSMX (orange) Both funds start at $10K, with all dividends reinvested. Maybe we don't have enough data here for the "long run" yet... ...
by Longtermgrowth
Mon Mar 11, 2019 1:43 am
Forum: Investing - Theory, News & General
Topic: New Best-in-Class ETF recommendations for Merriman Ultimate Buy & Hold Portfolio (March 2019)
Replies: 38
Views: 4290

Re: New Best-in-Class ETF recommendations for Merriman Ultimate Buy & Hold Portfolio (March 2019)

FNDC is a bizarre choice for a small cap blend fund, in my opinion. The reason is it is a fundamental weighted fund, and blend usually refers to a fund does not have significant growth or value overweighting. FNDC will tend towards value, and will sometimes heavily overweight value, but will not pr...
by Longtermgrowth
Thu Mar 07, 2019 5:19 am
Forum: Investing - Theory, News & General
Topic: Why does dividend investing not work?
Replies: 147
Views: 14145

Re: Why does dividend investing not work?

Why does dividend investing work... Wait, I missed the not. Not would apply if trying to screen a few stocks yourself instead of buying a few low cost broadly diversified dividend funds. I could argue that VYM (Vanguard High Dividend Yield ETF) and VYMI (Vanguard International High Dividend Yield ET...
by Longtermgrowth
Thu Mar 07, 2019 4:20 am
Forum: Investing - Theory, News & General
Topic: Happy 10th Birthday Bull Market!
Replies: 34
Views: 3002

Re: Happy 10th Birthday Bull Market!

oldzey wrote:
Wed Mar 06, 2019 11:17 pm
What a difference a decade makes.

Image
Ok that chart changed my mind. Time to put more money in bonds :D
by Longtermgrowth
Thu Mar 07, 2019 4:14 am
Forum: Personal Investments
Topic: Merrill Edge - cash management solutions
Replies: 7
Views: 1160

Re: Merrill Edge - cash management solutions

If you can start with an initial deposit of $100K, you can put the money in Merrill Preferred Deposit, which is FDIC insured and has an interest rate of 2.07%. There is a $100K minimum initial deposit, but you can maintain a balance less than that after the initial deposit. I believe you need to ca...
by Longtermgrowth
Wed Mar 06, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: Happy 10th Birthday Bull Market!
Replies: 34
Views: 3002

Re: Happy 10th Birthday Bull Market!

All the healthy pullbacks along the way, along with that recent December 2018 bear, have me optimistic from this point forward. :sharebeer
by Longtermgrowth
Wed Feb 27, 2019 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Nervous about locking up money in SPIA
Replies: 101
Views: 6501

Re: Nervous about locking up money in SPIA

You can beat a 'period certain' annuity just about every time by building a ladder with CDs, TIPS, etc. And you don't sacrifice liquidity with a ladder either. I was just thinking about that. If one could find enough CD's a 10 or 15 year CD ladder would certainly provide a somewhat better return un...
by Longtermgrowth
Tue Feb 26, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9217

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

Alright! That 2bp drop on VYM and VXUS makes a nice little difference. Looks like VYM, as of now, is the cheapest dividend ETF, beating Schwab's SCHD by 1bp. VSS was already more than erasing its expense ratio after securities lending revenue, so nice little bonus from the slight ER decrease there t...
by Longtermgrowth
Wed Feb 13, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1745
Views: 272455

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Question for those who got a bonus below the $600 threshold for a 1099-MISC:

Where did your broker report the bonus amount in your tax forms?

If not reported by brokerage, how did you report it on your tax return?
by Longtermgrowth
Tue Feb 12, 2019 3:49 am
Forum: Investing - Theory, News & General
Topic: Why choose intermediate term treasury at this time?
Replies: 57
Views: 5704

Re: Why choose intermediate term treasury at this time?

I have been pondering the same question, but with true total bond market funds: IUSB (iShares Core Total USD Bond Market ETF) and ISTB (iShares Core 1-5 Year USD Bond ETF), which are intermediate and short term funds that hold everything including high yield at market weighting, currently only 16bp ...
by Longtermgrowth
Mon Feb 11, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5467

Re: Wasting Electricity for Fun and Profit

I would probably replace some rarely used floodlights on a few sides of the house with 500 watt security lights, making sure not to overload any circuits, and use them during the months I didn't need the heat inside from the suggested electric heaters. 1000 watts burned for 10 hours a day adds 300kW...
by Longtermgrowth
Fri Feb 08, 2019 11:56 am
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4555

Re: CD investment decision

I know the OP is younger than what is generally recommended here to buy one, but how about a single premium immediate annuity with CPI (consumer price index) cost of living adjustment for a portion of their portfolio? Of course once bought, that chunk of money is gone forever in exchange for lifetim...
by Longtermgrowth
Thu Jan 31, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: Spxl etf
Replies: 2
Views: 168

Re: Spxl etf

rafkg29 wrote:
Thu Jan 31, 2019 7:44 pm
Is the SPXL etf a good investment? The returns seem quite promising and it’s quite cheap right now. Buy and hold?
Your answer is here: https://www.etf.com/SPXL#overview

"As a levered product, SPXL is not a buy-and-hold ETF"
by Longtermgrowth
Fri Jan 25, 2019 9:57 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3808

Re: Happy Birthday, Taylor!

Wishing you a Happy Birthday and many more :happy
by Longtermgrowth
Mon Jan 14, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Secure a foreign tax credit carry forward?
Replies: 23
Views: 2655

Re: Secure a foreign tax credit carry forward?

Forgive me for reviving this thread, but just wanted to make sure a situation like this: Suppose you have $250 in foreign tax credit but have only $100 in tax liability. If you do not file Form 1116, then you can take a $100 credit against your current year's taxes, reducing them to zero. However, t...
by Longtermgrowth
Wed Jan 09, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Treasury ETFs Tax Treatment
Replies: 4
Views: 521

Re: Treasury ETFs Tax Treatment

Also, will need to find the percentage government source income for the fund on the fund sponsors website each year. For example, in 2017 SHY had 99.71% government source income. Someone correct me if I'm wrong, but even that close to 100%, one should multiply the percentage government source income...
by Longtermgrowth
Mon Dec 31, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Missing 12/21/2018 Bond Dividends Delayed
Replies: 43
Views: 4727

Re: Missing 12/21/2018 Bond Dividends Delayed

In taxable, is there a chance a delay like this could cause headaches around tax time?
Late corrected 1099 from brokerage where fund is held for example?
by Longtermgrowth
Wed Dec 26, 2018 4:11 pm
Forum: Personal Investments
Topic: CD vs REIT in Taxable
Replies: 5
Views: 437

Re: CD vs REIT in Taxable

REITs are volatile, as mentioned above. May as well buy a tax efficient total stock market ETF that has mostly qualified dividend income and broad diversification, along with market cap weighting of REITs. Ideally, if you have the room in a tax advantaged account, you'd want fixed income there, and ...
by Longtermgrowth
Tue Dec 25, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Bears are -20%? Then here are three bears stacked on top of each other
Replies: 34
Views: 4575

Re: Bears are -20%? Then here are three bears stacked on top of each other

At least it looks like we're officially hitting a bear market. It's getting old hearing "we haven't been in a bear market since" all the time.

Good warning, -20% could just be the beginning of a much larger decline. All we can do is rebalance to maintain our desired allocation.
by Longtermgrowth
Sat Dec 22, 2018 8:06 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 5793

Re: what to do with cash if very risk averse?

Current AA is something like this: VTSAX - 76% VBTLX - 18% VTIAX - 5% 30 yr old. I have just about half as much as in my portfolio as I do sitting in cash, but I am very reluctant to invest anymore in anything else risky. I also don't need any of this cash for a while. What should I do? I already o...
by Longtermgrowth
Sat Dec 15, 2018 8:02 pm
Forum: Personal Investments
Topic: Wash sale BRSIX and VSS. What to purchase?
Replies: 3
Views: 396

Re: Wash sale BRSIX and VSS. What to purchase?

This is a tough one. VSS (Vanguard FTSE All-World ex-US Small-Cap ETF) is one of a kind total international small cap fund. To come close to replicating it, would have to buy a developed small cap fund that includes Canada, plus an emerging market small cap fund. Maybe roughly 80% SCHC (Schwab Inter...
by Longtermgrowth
Thu Dec 13, 2018 3:30 pm
Forum: Personal Investments
Topic: Total Stock Market Fund that pays ~3% Dividend
Replies: 12
Views: 2545

Re: Total Stock Market Fund that pays ~3% Dividend

I've called VYM (Vanguard High Dividend Yield ETF) the S&P 500 of dividend funds due to its number of holdings and sector diversification. It's essentially a large value fund with a 30 day SEC yield of 3.22%. Anything yielding around 3% is going to differ a good bit from a total market fund in holdi...
by Longtermgrowth
Tue Dec 04, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 11
Views: 1707

Re: Merrill Edge sweep options just reduced

There was mention of one fund that we can trade ourselves, but if I'm going through the trouble to trade, I'm going with an ETF over a low yielding money market fund (low yield compared to Vanguard's MM and online FDIC savings accounts). The possibility of their preferred deposit becoming an auto sw...
by Longtermgrowth
Tue Dec 04, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 11
Views: 1707

Re: Merrill Edge sweep options just reduced

Yep, they said bank deposits would get the current BIF rate for 6 months and then back to normal. That was a great checking account while it lasted. I was told my current rate is the measley 0.14% :? That is, unless holding more than 250k cash. Upon the liquidation of your shares of the Fund, the p...
by Longtermgrowth
Tue Dec 04, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 11
Views: 1707

Re: Merrill Edge sweep options just reduced

ShadowRegent wrote:
Tue Dec 04, 2018 6:49 pm
Yep, they said bank deposits would get the current BIF rate for 6 months and then back to normal. That was a great checking account while it lasted.
I was told my current rate is the measley 0.14% :? That is, unless holding more than 250k cash.
by Longtermgrowth
Tue Dec 04, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 11
Views: 1707

Re: Merrill Edge sweep options just reduced

drk wrote:
Tue Dec 04, 2018 6:13 pm
Odd. I've gotten no notification from Merrill Edge about this.
Check your account activity. The only thing that tipped me off was a full redemption of BIF Money Fund and reinvestment into another numbered "ticker", which apparently is the FDIC insured bank deposit sweep.
by Longtermgrowth
Tue Dec 04, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 11
Views: 1707

Merrill Edge sweep options just reduced

For those using the BIF Money Fund at Merrill Edge, it is closing and no longer an auto sweep option: https://www.blackrock.com/cash/en-us/products/282856/ I asked about the BIF Treasury Fund, which was also an auto sweep option, but was told it's been removed (it is also closing?) and that the FDIC...
by Longtermgrowth
Thu Nov 29, 2018 12:57 am
Forum: Personal Investments
Topic: Marijuana [Stock]
Replies: 51
Views: 5281

Re: Marijuana [Stock]

all check out the chart for three year against MJ MJ hasn't been a marijuana ETF for that long: "Prior to Dec. 26, 2017, the fund was called the Tierra XP Latin America Real Estate ETF and tracked an index focused on Latin America real estate companies." Source: https://www.etf.com/MJ#overview
by Longtermgrowth
Wed Oct 24, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9896

Re: Larry Swedroe: Why International Diversification Works

Great article as always. I bought more shares of international small caps today. Valuations are looking good over there!
by Longtermgrowth
Sat Oct 20, 2018 4:04 pm
Forum: Personal Investments
Topic: Constructing a 100% equity diversified Factor portfolio
Replies: 14
Views: 1719

Re: Constructing a 100% equity diversified Factor portfolio

The lack of value exposure on the international side is annoying, but there doesn’t appear to be a way to get it outside of DFA. Just having “not significantly tilted to negative value” is about the best you can do outside of DFA, it seems. If anyone knows anything I can do to increase the exposure...
by Longtermgrowth
Tue Oct 16, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 62
Views: 3845

Re: DGS: Own it? Opinions on it?

One note about EWX and EEMS is that while they don't have the inherent value tilt of DGS, they make money hand over fist on securities lending that makes up for the ER. EWX is notoriously tax inefficient, but can even get a negative expense ratio. EEMS is tax efficient and also makes tons of money ...
by Longtermgrowth
Sun Oct 14, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 62
Views: 3845

Re: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]

I love dividends, and appreciate that my views on them run contrary to most BHs. That being said, I would never buy a small cap fund or stock that had a dividend or dividend focus. Mature companies paying a dividend is fine, given a reasonable payout ratio measured against earnings. Small cap issue...
by Longtermgrowth
Sat Oct 13, 2018 4:41 am
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 62
Views: 3845

Re: DGS: Own it? Opinions on it?

Seems a very DFA-type fund, except DFA would go with book to market instead of dividends, though both will give you value stocks. Dividends seem a prudent idea in EM, since a common argument is that accounting standards may be lax in EM. Accounting standards were lax in 19th century America too, an...
by Longtermgrowth
Wed Oct 03, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4340

Re: Humidity in basement

Sounds like you have no choice but to use a protective layer under the vapor barrier then.

Yes, will need a masonry bit if you decide to use rivets.
by Longtermgrowth
Wed Oct 03, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4340

Re: Humidity in basement

May not need the tarps if the dirt is thoroughly cleaned of all debris. They make 4" wide vapor barrier seam tape. Do you plan to attach the barrier to the foundation? There's also double sided butyl tape for this. Alternatively, can run a bead of construction adhesive along foundation. Most install...
by Longtermgrowth
Tue Oct 02, 2018 5:11 pm
Forum: Personal Investments
Topic: How to create good ETF Portfolio?
Replies: 19
Views: 1882

Re: How to create good ETF Portfolio?

Would doing 100% in an S&P 500 index be fine? Or diversify a little? Most here prefer a total stock market fund, which is already around 80% S&P 500. The 500 is the way to go if you want to exclude small cap stocks for some reason (many here overweight small caps). As for rather or not to include a...
by Longtermgrowth
Mon Oct 01, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4340

Re: Correlation between temperature, humidty and mold in crawl space?

The downside to that fan is it's pulling outside air when it's more humid than the crawl air if it is 90% humidity outside in the morning and running 24/7. I would be tempted to hook it up to a timer and have it run during the hours the temp and humidity is usually best, but if it's hovering at 65%,...
by Longtermgrowth
Sun Sep 30, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4340

Re: Correlation between temperature, humidty and mold in crawl space?

It's an interesting chart and sounds about right. Just sealing off exposed dirt with thick enough vapor barrier should help a lot. Also make sure HVAC supply/return lines are thoroughly sealed. If adding airflow in addition to sealing dirt floor, they do make fans designed to fit into crawl space ve...
by Longtermgrowth
Tue Sep 18, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Marijuana ETF's
Replies: 8
Views: 2081

Re: Marijuana ETF's

I've been watching ticker MJ (ETFMG Alternative Harvest ETF). As far as ETFs, it looks about as good as is currently available: https://www.etf.com/MJ#overview I compared MJ to ticker VSS (Vanguard FTSE All-World ex-US Small-Cap ETF) on ETFrc.com's fund overlap tool, and two of MJ's top holdings are...
by Longtermgrowth
Sat Sep 01, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: MJX ETF - Cannabis
Replies: 7
Views: 2091

Re: MJX ETF - Cannabis

Looks like they changed the ticker to just MJ.
After reading the description on ETF.com, it is tempting to add some play money to it: https://www.etf.com/MJ#overview
by Longtermgrowth
Mon Aug 27, 2018 5:53 am
Forum: Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 22
Views: 2227

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

I decided to only hold Vanguard funds as I trust the company more, but sometimes I wonder if that is too extreme a decision. IJS looks like it would be great in a taxable account and I know it has better exposure to small value, as noted. Have you considered VIOV (Vanguard S&P Small-Cap 600 Value E...