Search found 875 matches

by Whakamole
Sat Apr 20, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 4807

Re: Vanguard kicking butt with Target Date Funds

I know someone who uses exclusively TD funds. They may be jealous because I can do TLH easily between similar-but-not-too-similar funds; that resulted in the government sending me a check (well, I-bonds) instead of me having to send them a check last year. But you can't doubt the simplicity of targe...
by Whakamole
Sat Apr 20, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8063

Re: This could be the biggest risk that retirees face?

Why I Hope to Die at 75 by Ezekiel J. Emanuel (Ezekiel J. Emanuel is an oncologist, a bioethicist, and a vice provost of the University of Pennsylvania. He is the author or editor of 10 books, including Brothers Emanuel and Reinventing American Health Care. ) https://getpocket.com/explore/item/why-...
by Whakamole
Fri Apr 19, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8063

Re: This could be the biggest risk that retirees face?

I'm more concerned about having to go back to the workforce than maybe live to 100.
by Whakamole
Fri Apr 19, 2019 7:26 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 61
Views: 8711

Re: Consensus on I Bonds for 2019?

I worry that somehow my beneficiaries will not know about my Treasury Direct account. Banks send electronic statements (and you can grant access to email), and usually paper statements. The Treasury doesn't say a peep. That said, it's another way to put money in tax-deferred accounts; even an indivi...
by Whakamole
Mon Apr 15, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 8123

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

goodenyou wrote:
Mon Apr 15, 2019 8:41 am
Maybe ETFs are like medicinal marijuana. Used by some for (possibly) the right reasons, but abused by others.
Not all mutual funds are pure. Anyone else remember the Steadman Funds?
by Whakamole
Sat Apr 13, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: Socially Responsible [Investing]
Replies: 54
Views: 3073

Re: Socially Responsible [Investing]

I pulled the lever on the VFTAX (Vanguard Social Index) fund. It avoids 3 particular things of extreme non-interest to me (to put it politely). I’m ok if it underperforms the market, although it has bested it for the last 10 years; perhaps because of an overweight on tech? Overweight on tech, finan...
by Whakamole
Thu Apr 11, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan expenses rising
Replies: 50
Views: 4042

Re: Thrift Savings Plan expenses rising

According to the latest TSP Highlights newsletter , net expenses are now 0.040-0.041%, up from 0.032-0.033% last year and 0.038% the year before. A small increase, certainly, but I hope the Federal Retirement Thrift Investment Board (FRTIB) manages to implement some of the new withdrawal options wi...
by Whakamole
Mon Apr 08, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 89
Views: 11934

Re: What is your one favorite Fidelity Fund??

I have only seen one post mentioning the fidelity ZERO funds. If we are all bogleheads how do we not all have this/these funds?! Is something wrong with them? I own FZROX in my IRA accounts at Fidelity. Been happy so far. I'm considering rolling over my mega backdoor 401(k) at Fidelity to a Roth IR...
by Whakamole
Fri Apr 05, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6687

Re: FIDO Zero Funds losing to Vanguard?

It seems to me the difference in all of those cases, other than SPDR (which was also changed to track an in-house index right as they introduced their ultra-low cost index funds), is that they are tracking a known, 3rd party index. For these zero-fee funds Fidelity has chosen to contract their own ...
by Whakamole
Fri Apr 05, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 132
Views: 9580

Re: Vanguard Announces Plans to Launch Commodities Fund

Will it offer in-kind redemption, I'd love to have a truck of pork bellies delivered to my door.
by Whakamole
Fri Apr 05, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6687

Re: FIDO Zero Funds losing to Vanguard?

I'm not sure I find this argument compelling. There are multiple indices, from multiple companies, and funds not only go with different providers but switch as Vanguard has done in the past. And note that Vanguard has a Large Cap Index fund that uses a CRSP index, not the S&P 500 index.This is not ...
by Whakamole
Fri Apr 05, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6687

Re: FIDO Zero Funds losing to Vanguard?

Not exactly. They are different indexes. The FZROX for example has the largest 2500 stocks in the U.S. vs 3500 for the vanguard fund. FZROX has a slight large cap tilt. It is approximately 3/4 of the way between an S&P 500 index and a total market index. You will likely find over time that if large...
by Whakamole
Thu Apr 04, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12413

Re: Folks in their 60s and above. What early investment on health do you recommend.

Here you go from today in the The Lancet: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(19)30041-8/fulltext Suboptimal diet is an important preventable risk factor for non-communicable diseases (NCDs); however, its impact on the burden of NCDs has not been systematically evaluated...
by Whakamole
Thu Apr 04, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12413

Re: Folks in their 60s and above. What early investment on health do you recommend.

Here you go from today in the The Lancet: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(19)30041-8/fulltext Suboptimal diet is an important preventable risk factor for non-communicable diseases (NCDs); however, its impact on the burden of NCDs has not been systematically evaluated...
by Whakamole
Thu Apr 04, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12413

Re: Folks in their 60s and above. What early investment on health do you recommend.

Here you go from today in the The Lancet: https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(19)30041-8/fulltext Suboptimal diet is an important preventable risk factor for non-communicable diseases (NCDs); however, its impact on the burden of NCDs has not been systematically evaluated...
by Whakamole
Wed Apr 03, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12413

Re: Folks in their 60s and above. What early investment on health do you recommend.

Another disease that hasn't been mentioned: NAFLD (non-alcoholic fatty liver disease.) In a decade or so, it's predicted to be the #1 reason for liver transplants. Get your ALT/ASTs tested, and adjust diet accordingly.
by Whakamole
Wed Apr 03, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12413

Re: Folks in their 60s and above. What early investment on health do you recommend.

I found this doctor’s scientific approach to health and longevity quite interesting. The video below talks about the state of longevity research from a chemistry/biology perspective, and suggests several approaches to diet, exercise, and medications that may be helpful. https://peterattiamd.com htt...
by Whakamole
Wed Apr 03, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12413

Re: Folks in their 60s and above. What early investment on health do you recommend.

I found this doctor’s scientific approach to health and longevity quite interesting. The video below talks about the state of longevity research from a chemistry/biology perspective, and suggests several approaches to diet, exercise, and medications that may be helpful. https://peterattiamd.com htt...
by Whakamole
Fri Mar 29, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: How ETFs use "Heartbeats" to wash-out gains
Replies: 39
Views: 2471

Re: Heartbeats - The ETF Tax Dodge

I haven't read the whole article, but this sounds like they are talking about the well-known redemption mechanism where an ETF gives appreciated stock to an AP. Why is that a tax dodge?
by Whakamole
Fri Mar 29, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44872

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Companies really do have DNA. Figuring out what you're good at, and what you're not, is an essential biz practice (as an investor, I get the hell out of a stock when there's an initiative or acquisition that doesn't fit the DNA). Vanguard finally figured out they're not good at crappy stuck-on, con...
by Whakamole
Fri Mar 15, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: 90 day waiting period for Vanguard Flagship
Replies: 37
Views: 3863

Re: 90 day waiting period for Vanguard Flagship

I think it's poor marketing, why advertise it and then not give it to you for 90 days - sometimes things they do make no sense to me and only appear to be hurdles to the client - makes you wonder if Vanguard really appreciates your or my business. I don't think they even upgrade you unless you ask....
by Whakamole
Fri Mar 15, 2019 12:08 am
Forum: Investing - Theory, News & General
Topic: 90 day waiting period for Vanguard Flagship
Replies: 37
Views: 3863

Re: 90 day waiting period for Vanguard Flagship

Maybe they think people will take advantage of Flagship benefits and then transfer out. I'm not sure which benefit.
by Whakamole
Mon Mar 04, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: 20% BBB "junk" In VUSFX - where are the safe bond funds?
Replies: 13
Views: 1444

Re: 20% BBB "junk" In VUSFX - where are the safe bond funds?

Perhaps any one individual bond isn't very good, but when you put them all together, you can say that the chance of them all going down is low and rate them higher.
by Whakamole
Tue Feb 26, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: DFA Small/Mid Cap Value Fund in 401k, but it's not a mutual fund?
Replies: 6
Views: 415

Re: DFA Small/Mid Cap Value Fund in 401k, but it's not a mutual fund?

I'm guessing it might be the DFA Targeted Value Fund, deciles 6-10. (I owned it for a longtime.) It may very well be a CIT equivalent of DFA Targeted Value. Most CITs have a mutual fund equivalent. Assuming I have the same fund - the portfolio is not the same, so it appears to be a different fund t...
by Whakamole
Mon Feb 25, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Investing into Trucking industry
Replies: 6
Views: 804

Re: Investing into Trucking industry

I keep thinking of the Museum of Science and Trucking from "The Sopranos."
by Whakamole
Sun Feb 17, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40997

Re: Losing a job in your 50's...

Folks, There is another problem that is not mentioned in this thread yet: student loan. My peer's daughter is a National Merit Finalist. She had a full-ride scholarship to UVA. But, she wants to go to Northeastern? Instead. So, instead of a fully-paid Bachelor degree, the parent (my peer) have to t...
by Whakamole
Sun Feb 17, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 4676

Re: Vanguard Tax 2018 Forms Now Online

Leesbro63 wrote:
Sun Feb 17, 2019 10:50 am
I was just going to post. Who would have thought Vanguard would post on a Saturday night. Anyway, my brokerage 1099-Consolidated has been posted.
Same here.
by Whakamole
Sat Feb 16, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you tell your beneficiaries?
Replies: 69
Views: 4346

Re: Do you tell your beneficiaries?

My father has discussed it with me. I ended up suggesting he talk with an attorney since he wants to leave money to his kids and his grandkids, and Condon's "Beyond the Grave" talked about all the ways this could go sidewise.
by Whakamole
Sat Feb 16, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 4676

Re: Vanguard Tax 2018 Forms Now Online

This is strange. Vanguard's web site says that the 1099 would be available in "Late January for brokerage accounts with only Vanguard mutual funds and/or ETFs and simple securities that don't typically reclassify income" but zip yet. Am I the only one? I don't have mine either. I assume that's beca...
by Whakamole
Sat Feb 16, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: The WORST Morningstar Style Category In 2018
Replies: 34
Views: 2892

Re: The WORST Morningstar Style Category In 2018

CABob wrote:
Fri Feb 15, 2019 6:54 pm
Which reminds me that about this time I try to check the Callan Periodic Table to see if it has been updated with last years numbers.
It has.
It looks like we should have just folded on S&P 500 index funds back in 2002 since Large Cap Equity was the worst category.
by Whakamole
Thu Feb 14, 2019 10:06 pm
Forum: Investing - Theory, News & General
Topic: Episode 006: "Bogleheads on Investing" with guest Dan Egan
Replies: 23
Views: 2879

Re: Episode 006: "Bogleheads on Investing" with guest Dan Egan

Good episode, as always.

Egan's idea of "sharing in a customer's success" initially sounded like how hedge funds are compensated with a share of the profits.
by Whakamole
Fri Feb 01, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 4676

Re: Vanguard Tax 2018 Forms Now Online

This is strange. Vanguard's web site says that the 1099 would be available in "Late January for brokerage accounts with only Vanguard mutual funds and/or ETFs and simple securities that don't typically reclassify income" but zip yet. Am I the only one?
by Whakamole
Tue Jan 29, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: FIRECalc, do you accept their assumption?
Replies: 91
Views: 7147

Re: FIRECalc, do you accept their assumption?

I believe they are only using US market results which is a limited dataset.
by Whakamole
Thu Jan 24, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: [Warren Buffett] Why Long-term stocks vs Index funds ?
Replies: 54
Views: 4086

Re: [Warren Buffett] Why Long-term stocks vs Index funds ?

I think Buffett's advice to investors about indexing amounts to "do as I say, not as I do." He is not going to tell Mom and Pop investors to invest the same way he runs a $500B company. I might compare this to advising most people to invest in target date funds, since they are simpler and automatic...
by Whakamole
Tue Jan 22, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 75
Views: 9650

Re: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]

Saw it tonight in 3D. Absolutely fantastic. I saw it yesterday, supposedly in 3D, but couldn’t discern any noticeable 3D effects. And Peter Jackson’s commentary didn’t make any mention of 3D. Was I missing something? Your 3D glasses? Seriously, the 3D effect was very noticeable to us. I have to say...
by Whakamole
Sat Jan 19, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 72
Views: 20113

Re: Why I left Wealthfront

...They've changed their business plans enough times that there's no telling what it will be next year... This, to me, is the salient feature of Wealthfront and a good reason to avoid them. The company began in 2008, under the name "Ka-Ching!;" NYT headline, "Site Lets Investors See and Copy Expert...
by Whakamole
Sat Jan 19, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 72
Views: 20113

Re: Why I left Wealthfront

But tlh by ourself is not as frequent, simple or effortless as in the robo. And in a generally sideways market or losing market, people do not tlh aggressively. Case in point is the q4 last year. Most non robo buy and hold investors are probably showing less value in the account with no harvested l...
by Whakamole
Sat Jan 19, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 72
Views: 20113

Re: Why I left Wealthfront

So, to me, it appears that wealthfront fee at 0.25% was not a problem. I am waiting for the tax forms but barring something weird in the tax forms , I am thinking of moving all my taxable account there during the year Is this position naive? Yes. They've changed their business plans enough times th...
by Whakamole
Sat Jan 19, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 72
Views: 20113

Re: Why I left Wealthfront

So, to me, it appears that wealthfront fee at 0.25% was not a problem. I am waiting for the tax forms but barring something weird in the tax forms , I am thinking of moving all my taxable account there during the year Is this position naive? Yes. They've changed their business plans enough times th...
by Whakamole
Sat Jan 19, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7643

Re: The NY Times calls us a cult but in a good way

That quote doesn't seem correct at all.
by Whakamole
Wed Jan 16, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50309

Re: John Bogle is dead at 89

Rest in peace, Mr. Bogle.
by Whakamole
Tue Jan 15, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 8
Views: 1118

Re: Vanguard Brokerage Form 1099 for 2018

RickBoglehead wrote:
Tue Jan 15, 2019 4:05 pm
Whakamole wrote:
Tue Jan 15, 2019 3:08 pm
RickBoglehead wrote:
Tue Jan 15, 2019 12:13 pm
The 1099 for brokerage won't be available until mid-February. The 1099 for mutual funds (old system) will be available now.
The 1099-R is out now, I also received an email.
Ah. Can't do my taxes with just a 1099-R.
Me neither, but at least one of the tax forms is out right now.
by Whakamole
Tue Jan 15, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 8
Views: 1118

Re: Vanguard Brokerage Form 1099 for 2018

RickBoglehead wrote:
Tue Jan 15, 2019 12:13 pm
The 1099 for brokerage won't be available until mid-February. The 1099 for mutual funds (old system) will be available now.
The 1099-R is out now, I also received an email.
by Whakamole
Tue Jan 15, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4441

Re: How to avoid temptation to buy hot stocks or bitcoin?

I'm not a follower of OddStats, but this just went up yesterday. He lost a significant amount of money by daytrading, not at first, but eventually his luck ran out.

https://twitter.com/OddStats/status/1084900171836604416
by Whakamole
Mon Jan 14, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the 0.1%
Replies: 31
Views: 4478

Re: Asset Allocation of the 0.1%

A lot of the "private equity" opportunities I've seen are invested in various forms of property and equivalents. This means that as much as 40% or more of the ultra-wealthy's Family Estate is in real estate. I don't know where you are getting this from. Private equity can include a lot of things. D...
by Whakamole
Sat Jan 12, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 103
Views: 5982

Re: Any thoughts on the role of Gold in your portfolio?

There is a lot of reading to be had: https://www.google.com/search?sitesearch=bogleheads.org&q=gold A list of every time the word "gold" has been used on this site doesn't really address my questions though. I clicked on the link, and most of the threads are discussing the very question you are ask...
by Whakamole
Sat Jan 12, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 68
Views: 4777

Re: Are REITs better to purchase when interest rates are high or low?

My observation having owned REITs since 2000 is that they benefit when rates are falling and struggle when rates are rising. The “yield” paid out as distributions competes to some degree with other investments. As rates fall, that yield becomes more attractive, driving REIT prices up. This is my ex...
by Whakamole
Fri Jan 11, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 68
Views: 4777

Re: Are REITs better to purchase when interest rates are high or low?

Warren Buffet has said that diversification is for those who don't know what they are doing. Diversification is a word that financial advisors and financial planners throw around a lot. Did you ever stop to think why they are all still working in their 60s? :wink: Very true, Warren Buffett is in fa...
by Whakamole
Fri Jan 11, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5266

Re: PG&E Bonds

The credit spreads are wide between investment grade BBB bonds and BB junk bonds, while the default rates are about the same. There are no rational reasons for the huge spread. The reasons are structurally. Once S&P or Moody's waves it magic wand lots of institutional owners have to dump their hold...