Search found 488 matches

by Longtermgrowth
Wed Feb 14, 2018 5:57 am
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV does not equal income dividends?
Replies: 8
Views: 1129

Re: 1099-DIV does not equal income dividends?

and all cases involving less than $300/$600 in foreign tax (Single/MFJ) Except to the extent that there is no tax liability. FTC is a non-refundable credit. Is there not also a possible situation, where portfolio income is the main source, and foreign income amounts to a certain percentage of total...
by Longtermgrowth
Mon Feb 05, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10010

Re: RBD alert

It appears we just had a bit of a flash crash, in the DJIA at least, followed by a decent dead cat bounce. Make of that what you will... I happened to be watching my fund tickers in yahoo finance when this happened. Am I the only one that got a good laugh out of it? Dead cat bounce, hmm... If it tu...
by Longtermgrowth
Wed Jan 31, 2018 5:01 am
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 29
Views: 2613

Re: Best International Small Cap Option

Sometimes getting deeper into small value territory is worth the added expense. Of course that might come with more negative exposure to momentum and quality. And depending on the fund, perhaps you might overweight distressed "lottery tickets"--though I haven't looked for that in any fund. Haha, I ...
by Longtermgrowth
Wed Jan 31, 2018 3:15 am
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 58
Views: 7437

Re: Living on Dividends and Interest

I'm curious what the stock to bond percentage is. I expect dividend income from stocks to easily drop over 30% in a depression...
by Longtermgrowth
Sat Jan 27, 2018 4:50 am
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 29
Views: 2613

Re: Best International Small Cap Option

DLS is pretty sweet for developed small value, even given the expense ratio. I hold DLS, by the way. It is currently in Paul Merriman's best in class ETF list: https://paulmerriman.com/best-in-class-etfs-for-ultimate-buy-hold-portfolio/ Sometimes getting deeper into small value territory is worth th...
by Longtermgrowth
Thu Jan 25, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 94
Views: 6487

Re: Small Value Premium - How Do You View It?

nisiprius, could many just by seeing the word growth in the fund name think it's the best way to grow their portfolio? The comment above about quality screens for the S&P 600 helping somewhat would be interesting to see on a chart: comparing Russell 2k value and growth to S&P 600 value and growth, i...
by Longtermgrowth
Thu Jan 25, 2018 5:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4071

Re: Happy Birthday, Taylor!

Happy Birthday! :sharebeer Here's to many more! :beer
by Longtermgrowth
Thu Jan 25, 2018 1:37 am
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 94
Views: 6487

Re: Small Value Premium - How Do You View It?

To be fair, both of the funds in the chart above are blend funds. Didn't Larry Swedroe call small growth the black hole of investing? Lottery tickets?
by Longtermgrowth
Wed Jan 24, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA with escalator - anyone priced one?
Replies: 9
Views: 694

Re: SPIA with escalator - anyone priced one?

The guaranteed income estimator on Fidelity's site lets you see the difference in price between none and 2%. The added cost looks very steep currently: https://gpi.fidelity.com/ftgw/interfaces/gie/
by Longtermgrowth
Tue Jan 23, 2018 5:54 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 82
Views: 4869

Re: Post Your Morningstar Box Style

walletless wrote:
Tue Jan 23, 2018 1:53 am
aegis965 wrote:
Tue Jan 23, 2018 1:51 am
Image
#FakeNews
Haha... Nah, look at the sig! I remember a post some time back about selecting stocks within small value category that we only wish funds were available for...
by Longtermgrowth
Tue Jan 23, 2018 5:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 26
Views: 5447

Re: Larry Swedroe: Lessons From 2017

Does the often stated double negative "nobody knows nothing" apply to Larry? The often stated double negative was used in this thread; consequently, I am curious if it applies to everyone. I enjoy Larry's articles and do not think that he is a know nothing. DMW Larry knows much, Paul Merriman knows...
by Longtermgrowth
Tue Jan 23, 2018 1:27 am
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 94
Views: 6487

Re: Small Value Premium - How Do You View It?

I'm somewhere between neutral and positive for domestic small value. There have been some fairly low cost ways to gain access for a while now, but listening to Paul Merriman's podcasts, mentioning the future should look similar to the past for small value, has me hopeful. Definitely positive for int...
by Longtermgrowth
Sun Jan 21, 2018 4:42 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 82
Views: 4869

Re: Post Your Morningstar Box Style

If I want to capture as much of the small cap value experience as possible, I take it I need to be more geared toward IJS (iShares 600Value) or VIOV (vanguard's 600 value ) rather than VBR? RZV, Guggenheim S&P SmallCap 600® PureVal ETF, would be the extreme way to go for that. Paul Merriman explain...
by Longtermgrowth
Sun Jan 21, 2018 3:49 am
Forum: Investing - Help with Personal Investments
Topic: VYMI/VIGI in Taxable or Roth - is the foreign tax credit worth it?
Replies: 5
Views: 502

Re: VYMI/VIGI in Taxable or Roth - is the foreign tax credit worth it?

Calculate for yourself. Here's a discussion of how to do that: https://www.bogleheads.org/forum/viewtopic.php?t=208818 It's kind of sad that I've extensively reviewed that thread, calculated foreign tax credit for funds not listed, along with the easily listed qualified dividend income listed from ...
by Longtermgrowth
Sun Jan 21, 2018 3:41 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 26
Views: 5447

Re: Larry Swedroe: Lessons From 2017

Does the often stated double negative "nobody knows nothing" apply to Larry? The often stated double negative was used in this thread; consequently, I am curious if it applies to everyone. I enjoy Larry's articles and do not think that he is a know nothing. DMW Larry knows much, Paul Merriman knows...
by Longtermgrowth
Sun Jan 21, 2018 2:57 am
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 43
Views: 5317

Re: Domestic SCV? [Small Cap Value]

About VIOV, it looks like it only comes in an ETF wrapper? I feel uncomfortable with Vanguard's combined mutual funds/ETFs, which includes VBR. What if one of those combined funds become unpopular? One must consider what happens if assets decline in a fund; it is unlikely that a fund will grow inde...
by Longtermgrowth
Thu Jan 18, 2018 4:17 am
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 43
Views: 5317

Re: Domestic SCV? [Small Cap Value]

About VIOV, it looks like it only comes in an ETF wrapper? I feel uncomfortable with Vanguard's combined mutual funds/ETFs, which includes VBR. What if one of those combined funds become unpopular? One must consider what happens if assets decline in a fund; it is unlikely that a fund will grow inde...
by Longtermgrowth
Thu Jan 18, 2018 3:56 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 55
Views: 5328

Re: International Small-cap Value Funds ??

EEMS: besides what Morningstar reports, to find out holding cost after securities lending revenue, read the fund prospectus and negate net securities lending revenue from operating expenses. I can look at a prospectus and figure out within a margin of error the cost to hold after securities lending ...
by Longtermgrowth
Tue Jan 16, 2018 4:03 am
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 55
Views: 5328

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: 90
Views: 8110

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: 55
Views: 5328

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: 3343
Views: 961912

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: 3343
Views: 961912

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: 646

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: 646

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: 1754

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: 1754

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: 1382

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: 1754

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: 1239

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: 843

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: 1296

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: 1296

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: 1296

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: 1296

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: 8431

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: 4191

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: 90
Views: 8110

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: 90
Views: 8110

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: 90
Views: 8110

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: 90
Views: 8110

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: 6680

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: 90
Views: 8110

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: 90
Views: 8110

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: 104
Views: 11038

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: 104
Views: 11038

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: 104
Views: 11038

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: 4100

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: 2524

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: 701

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...