Search found 342 matches

by Whakamole
Wed Jun 14, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 195
Views: 55450

Re: [Why did my fund suddenly drop in value?]

Any word yet on the timing for the June distributions?
by Whakamole
Thu Jun 01, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 50
Views: 2783

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

You can buy bitcoin via GBTC, an OTC stock. Right now it's actually the most active OTC stock: http://www.otcmarkets.com/market-activity/current-otc-market The GBTC premium is notable. 1 share of GBTC represents approximately 0.1 bitcoin. So, right now, 1 GBTC share should be around $244, but it's ...
by Whakamole
Fri May 19, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: ER of 0.01-0.03
Replies: 5
Views: 969

Re: ER of 0.01-0.03

by Whakamole
Mon May 15, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: "Can this fee structure save actively managed funds"
Replies: 10
Views: 958

Re: "Can this fee structure save actively managed funds"

Problems: 1. I do not trust the fund company to not decide after several years to change the structure back to high-cost active; if I have taxable accounts invested, then selling funds is a taxable event and something I'd rather avoid. 2. Worst case is not the fund charging fund 5/10 basis points. I...
by Whakamole
Mon May 15, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 3941

Re: Scolded by my adviser at F******* !

I would be tempted to write a letter to someone high up at Fidelity, or talk to your FA's boss, and tell them the survey system is garbage if they are tying your happiness with their website to his performance in meeting your needs. They clearly aren't related and if your FA is being punished then t...
by Whakamole
Mon May 15, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 3941

Re: Scolded by my adviser at F******* !

He's probably right, anything less than perfect counted against him. It makes no sense and while your advisor should never scold you, your real beef is with a company that does this and treats employees this way. I'm also surprised the survey results were not anonymous.
by Whakamole
Fri May 12, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Most market anomalies academics have identified don’t exist
Replies: 53
Views: 5495

Re: WSJ: Most market anomalies academics have identified don’t exist

Grok, Yes there is Momentum everywhere. The AQR funds invest in equities, bonds, commodities, currencies. Diversifying across asset classes within the Style improves its efficiency lots. Dave thanks Dave. Well the fund hasn't really been through a crisis yet. I guess we'll see then if that diversif...
by Whakamole
Thu May 11, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Most market anomalies academics have identified don’t exist
Replies: 53
Views: 5495

Re: WSJ: Most market anomalies academics have identified don’t exist

I like the quote from Asness saying he's worried people will start discarding factors. Because that's the most important thing, we don't want people dismissing smart beta.
by Whakamole
Wed May 10, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Do newly lowered expense ratios benefit prior investors?
Replies: 4
Views: 462

Re: Do newly lowered expense ratios benefit prior investors?

If an ER for a fund is lowered after purchasing, do you get the benefit of that lower rate, or are you locked in to what you bought it for? Are there differences across funds or brokers (e.g. Fidelity vs Vanguard, iShare vs Vanguard)? Yes, a lower ER for a mutual fund or ETF impacts everyone who ow...
by Whakamole
Tue May 09, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6195

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

When Zero Hedge mocks you for being consistently wrong, then you've really hit the bottom of the barrel.
by Whakamole
Fri May 05, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Prosper.com - Misreporting annualized returns?
Replies: 15
Views: 1577

Re: Prosper.com - Misreporting annualized returns?

I noticed when I signed up for NSR ahile back that there was a significant difference between their calculated return and lendingclub's. I just marked down my remaining notes on LC, going to get out of it completely. Not only do the returns stink anymore (can do just about as well with the Vanguard...
by Whakamole
Thu May 04, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4434

Re: Increasing correlation between US and international equities

Reasons I have seen not to invest in international: ⋅  International equities have recently greatly underperformed U.S. equities ⋅  Correlations have recently increased between U.S. and International equities :idea: This is my question. The correlation is shown as close to 0.8-0...
by Whakamole
Wed May 03, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 7511

Morgan Stanley drops Vanguard funds

For those using Morgan Stanley accounts and who own Vanguard mutual funds there: http://www.reuters.com/article/us-morga ... SKBN18001I

Looks like it only impacts mutual funds (not ETFs); existing shareholders will still be able to reinvest/add money until early next year.
by Whakamole
Wed May 03, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: Prosper.com - Misreporting annualized returns?
Replies: 15
Views: 1577

Re: Prosper.com "Returns Reporting Adjustment" - Anyone else?

It seems like you are not the only one, someone in a P2P discussion forum did the math last year and discovered Prosper's numbers were inflated: https://forum.lendacademy.com/index.php/topic,3770.0.html I hear the people who get involved with class action lawsuits early make the most money (outside ...
by Whakamole
Wed Apr 26, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10125

Re: Vanguard has switched to brokerage only accounts

We haven't switched to the new platform yet. The precipitating event may be when we roll a 401K to Vanguard in a few years. Glad to hear the favorable reports about simplification. It sounds like the bugs and tics in the "upgrade" process may be diminishing. I hesitate to upgrade because ...
by Whakamole
Wed Apr 26, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10125

Re: Vanguard has switched to brokerage only accounts

We haven't switched to the new platform yet. The precipitating event may be when we roll a 401K to Vanguard in a few years. Glad to hear the favorable reports about simplification. It sounds like the bugs and tics in the "upgrade" process may be diminishing. I hesitate to upgrade because ...
by Whakamole
Mon Apr 24, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2707

Re: Alaska cruise advice

Thanks for the recommendations so far. I'm not quite sure if air travel will be in the mix, are excursions limited to that?
by Whakamole
Mon Apr 24, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: interesting things to see/do in Victoria and Vancouver, Canada
Replies: 19
Views: 1308

Re: interesting things to see/do in Victoria and Vancouver, Canada

Superb: Museum of Anthropology The one at UBC in Vancouver? Fantastic. There's also the Royal BC Museum in Victoria which is wonderful as well (letsgobobby beat me to that suggestion :annoyed ) Other things in Vancouver: - If you are going during summer, and appreciate Asian food and/or culture, I ...
by Whakamole
Sun Apr 23, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2707

Re: Alaska cruise advice

Spend an extra day or two, three. in Seattle or Vancouver before embarking. After Debarking, visit Portand and Columbia Gorge for 2 days. Oh, I should mention, I live in Seattle, which is why we're looking at Seattle (or maybe Vancouver) as the embark/debark point. Been to Vancouver/Portland many t...
by Whakamole
Sun Apr 23, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2707

Re: Alaska cruise advice

itstoomuch wrote:Nice day in Seattle. Very little rain. :D
Visiting son in Seattle. We're from wetter Oregon. :oops:


Yeah, you are enjoying a very rare event, a nice day in April. Enjoy your stay! :sharebeer
by Whakamole
Sun Apr 23, 2017 12:53 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2707

Re: Alaska cruise advice

Spend an extra day or two, three. in Seattle or Vancouver before embarking. After Debarking, visit Portand and Columbia Gorge for 2 days. Oh, I should mention, I live in Seattle, which is why we're looking at Seattle (or maybe Vancouver) as the embark/debark point. Been to Vancouver/Portland many t...
by Whakamole
Sat Apr 22, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2707

Alaska cruise advice

The SO and I are looking at taking a cruise to Alaska this year. She's been on several cruises; this would be my first time. We haven't been to Alaska before. Searching the board, it looks like there are quite a few experienced Bogleheads who may be able to help with some questions: 1. Cruise line s...
by Whakamole
Fri Apr 21, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform and Impact on 401(k) [Wall Street Journal article]
Replies: 11
Views: 1224

Re: Tax Reform and Impact on 401(k)

flamesabers wrote:I can't read the article because I don't have a subscription to the Wall Street Journal. What is Congress proposing to change about the 401k?


I have access to the article. Congress isn't proposing anything. This thread should be locked and Zweig should be ashamed of himself.
by Whakamole
Thu Apr 20, 2017 1:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37671

Re: Larry Swedroe says "Goodby."

Larry, thanks for your tireless efforts to share your knowledge about investing; I've enjoyed your posts here, blogs, and books.
by Whakamole
Wed Apr 19, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Mercedes Benz Demand Notes 1.6%
Replies: 21
Views: 2574

Re: Mercedes-Benz Demand Notes

1.6%?
by Whakamole
Wed Apr 05, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2519

Re: "We're changing how we report costs. You still benefit."

A contrarian view: Should I care about the average cost to current investors or the average cost of what is available to me? I think straight average (the old way) better informs me of the average cost of what is available to me. (All funds are equally available. Their availability is not weighted ...
by Whakamole
Wed Apr 05, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2519

Re: "We're changing how we report costs. You still benefit."

This makes sense. Why weight a very low cost fund like VTSAX (total stock market) and one of their higher-cost funds like VFSVX (international small cap) equally when you tell investors what the average cost of investing at Vanguard is? This doesn't impact individual funds or the ER calculation, it'...
by Whakamole
Fri Mar 31, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 72
Views: 9735

Re: Where to buy a Vanguard hat? An Update and bad news

Glad I just received my replacement free coffee mug. That's # 3. :beer Love the mug. I've seen folks on Twitter thanking Vanguard for sending them one. I wonder what is the secret to getting one? Wouldn't mind buying one either. I figure I've saved quite a bit in expenses since escaping from contra...
by Whakamole
Thu Mar 30, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 193
Views: 28604

Re: John Bogle on international

2. We're too big to be Japan - if Japan happens to us, we'll almost certainly bring the rest of the world down with us. In 1989 at it's peak, Japanese equities comprised 41% of total world equity. I would imagine many Japanese investors also said "if we fall, the world falls with us." The...
by Whakamole
Thu Mar 30, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 193
Views: 28604

Re: John Bogle on international

Tamalak wrote:2. We're too big to be Japan - if Japan happens to us, we'll almost certainly bring the rest of the world down with us.


In 1989 at it's peak, Japanese equities comprised 41% of total world equity. I would imagine many Japanese investors also said "if we fall, the world falls with us."
by Whakamole
Wed Mar 29, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How to research an old fund
Replies: 2
Views: 152

Re: How to research an old fund

Looks like it is owned by Deutsche Asset Management now: https://fundsus.deutscheam.com/EN/about-us/about-dws-investments-history.jsp# Kemper renamed it the Technology fund at one point, and Deutsche has a "Science and Technology Fund" KTCAX. That's probably who is managing your money now....
by Whakamole
Mon Mar 27, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6894

Re: Weathering sell-off days like today

This is a sell-off day?
by Whakamole
Fri Mar 24, 2017 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12660

Re: Get $250 from Wells Fargo

What exactly is a retail store private label credit card? Is that just a crummy retail credit card where Wells Fargo is the bank? I believe so. The Dillard's card is an example. But I'd rather not open up a new credit card and risk losing out on whatever nice promotion Chase will have going in the ...
by Whakamole
Thu Mar 23, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12660

Re: Get $250 from Wells Fargo

It seems possible that this deal is off. The link referenced in several blogs over the past few days is no longer working: https://www.wellsfargo.com/jump/checking/prospect-offer/ Anybody else have a link to the offer that works? There is an offer but it requires you to be "an existing Wells F...
by Whakamole
Mon Mar 13, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 221
Views: 45221

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Now how do you keep yourself from looking like his accomplice? I would be concerned that the state would look back at these financial transactions and think it was constructed to set her up for state aid. OP, what does your attorney say, because I would listen if they recommend reporting it, if for...
by Whakamole
Fri Mar 10, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 4292

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

As someone has argued this point with Doc before, I'll summarize the findings. Yes, stocks in a Roth are expected to leave you with a higher ending balance HOWEVER, this is only the case if you do not re-balance to a tax adjusted set asset allocation (essentially your taking more risk). That was th...
by Whakamole
Tue Mar 07, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Are Fiat Cars Junk?
Replies: 71
Views: 5660

Re: Are Fiat Cars Junk?

I hear this all time, but I don't see a lot of dead Chryslers on the road. Do these really fall apart after a few years? I see tons of them in parking lots and a number of my friends who are looking for bargains have them and I don't hear them talking about how bad their cars are. Maybe they die in...
by Whakamole
Wed Mar 01, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 4229

Re: Fidelity offers buy outs to reduce workforce

It would be a shame if the lessons Fidelity learns from the success of Vanguard includes reducing customer service.
by Whakamole
Thu Feb 23, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 5179

Re: VTIAX now has 0.11% ER

The stated ER doesn't include lending income, which was substantial last year. This gets us closer and closer to a free fund :sharebeer
by Whakamole
Wed Feb 22, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 9861

Re: Does anyone own gold?

If you want to read gold bull articles from an investment perspective, Frank Holmes' newsletter from US Funds is much better (with some talk about EM and natural resources): http://www.usfunds.com/investor-library/investor-alert/ Note that his firm offers an expensive (2% ER!!) gold fund and everyth...
by Whakamole
Tue Feb 21, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 22243

Re: Extreme Valuations, and why you should reconsider

Major US equity indexes have risen about 250% since the March 2009 lows while cumulative US GDP growth, and that's exaggerated by accounting gimmickry, has been about 17-18% for the same period, an absurd disconnect from reality. Trailing 10 year median S&P p/e is at an all-time record high ove...
by Whakamole
Tue Feb 21, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 22243

Re: Extreme Valuations, and why you should reconsider

I think if we are to listen to Hussman on when to get out of the market, we should also listen to him on when to get back in. November 2010: Bubble, Crash, Bubble, Crash, Bubble... March 2011: Anatomy of a Bubble March 2012: A False Sense of Security November 2013: A Textbook Pre-Crash Bubble July 2...
by Whakamole
Sat Feb 18, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to buy bonds?
Replies: 8
Views: 1259

Re: Good time to buy bonds?

I am buying bonds now to get to my target asset allocation which has not changed.
by Whakamole
Thu Feb 16, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 3225

Re: Gold vs 401k

Akumaky wrote:28% tax? I don't follow. If I sell gold, I have to report it and pay taxes?


Absolutely. And you don't get a low capital gains rate either.

http://hogantaylor.com/as-collectibles- ... be-taxing/ is a pretty good run-down.
by Whakamole
Thu Feb 16, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 3831

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

MotoTrojan wrote:$3600 was my calculated limit for 2016 income. Had some equity counted against it; $105K gross is moving forward.


Just for future reference, you can use the backdoor Roth IRA to contribute the maximum (though there are caveats in place.)
by Whakamole
Thu Feb 16, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 5523

Re: Please list value funds you currently use

VTV (Vanguard Value) - a relic of my time before joining this forum; nothing more being added.
DFA Small/Mid Cap Value Trust - a CIT which is similar (but not the same) as DFFVX (DFA Targeted Value.)
by Whakamole
Thu Feb 16, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]
Replies: 18
Views: 3125

Re: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]

Hi There This is my first post. I'm 26 years old and I want to start buying stocks but I'm wondering Should I jump into the market now to capitalise on the current bullish activity Or should I wait for a correction and then start buying. My goal is to buy a house for me and my partner in the next 4...
by Whakamole
Thu Feb 16, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 1256

Re: Can we automate Vanguard brokerage ETF purchases?

I just checked my account and the Vanguard automatic investment option (My Account->Account Maintenance->Automatic Investment) will not let you choose any ETFs you own, only mutual funds. I've had the same experience. However, a previous poster seemed adamant that I could automate ETF purchases eve...
by Whakamole
Thu Feb 16, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 1256

Re: Can we automate Vanguard brokerage ETF purchases?

I just checked my account and the Vanguard automatic investment option (My Account->Account Maintenance->Automatic Investment) will not let you choose any ETFs you own, only mutual funds.

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