Search found 34 matches

by analogsavior
Thu Jul 26, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Tilting Towards Domestic
Replies: 9
Views: 1036

Re: Tilting Towards Domestic

What if you live in Russia or Turkey or any other smaller markets? If someone in a smaller market like Turkey or Russia had access to a total world fund, I think the approach would be beneficial, and I believe the articles shows some of this in their data. You can have your fixed allocation to dome...
by analogsavior
Thu Jul 26, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Tilting Towards Domestic
Replies: 9
Views: 1036

Re: Tilting Towards Domestic

What if you live in Russia or Turkey or any other smaller markets? If someone in a smaller market like Turkey or Russia had access to a total world fund, I think the approach would be beneficial, and I believe the articles shows some of this in their data. You can have your fixed allocation to dome...
by analogsavior
Thu Jul 26, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Tilting Towards Domestic
Replies: 9
Views: 1036

Tilting Towards Domestic

Hi all. The general boglehead approach to dividing your asset allocation between domestic and international is to decide on a fixed percentage for each, and rebalance back to those per your rebalancing plan. For example 80% Domestic and 20% International. As you are likely aware, there are endless d...
by analogsavior
Tue Jun 19, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 246
Views: 46723

Re: What's your U.S. : International ratio?

Currently 75:25 US to International stocks. Been thinking of moving going 67:33% US to international when I next revise my IPS to better align with my current views on global diversification.
by analogsavior
Thu Jun 14, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Factor Diversification = Beta?
Replies: 7
Views: 874

Factor Diversification = Beta?

I was listening to the Animal Spirits podcast today when one of the hosts made the following comment about factor investing “Imagine putting, okay I want to put 20% of my equity portfolio in stocks with high profitability, another 20% in momentum, another 20% in value, another 20% in small, and anot...
by analogsavior
Thu Jun 14, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Makes Factors Endure
Replies: 60
Views: 4983

Re: Larry Swedroe: What Makes Factors Endure

I guess I can't really buy into the risk explanations for factor investing. Human (or human programmed computer) behavior seems like a much simpler and intuitive explanation. And as AI continues to evolve and take over pricing stocks completely, I imagine these premiums will become significantly har...
by analogsavior
Sun Jun 10, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Factors From Scratch
Replies: 11
Views: 1309

Re: Factors From Scratch

Like others I heard about this paper on the recent Animal Spirits podcast. I don't use factor investing in my retirement portfolio but this is definitely one of the best (and most convincing) explanations I've read on both value and momentum, why they have outperformed in the past, and why they may ...
by analogsavior
Sun Jan 07, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 176
Views: 22376

Re: 2018 Hedge Fund contest

Regalia Absolute Equity After an excellent first year, we are looking forward to repeating our debut performance, and bringing our clients market beating returns with our strategic and innovated investment strategies. This year we plan to go long on AMZN (all hail our eventual and inevitable overlo...
by analogsavior
Tue Sep 05, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 12920

Re: Value Factor Investing is not Value Investing

... thus factor investing will never generate the returns of value investing ... Bold and underline is mine and added for emphasis. Speaking in absolutes like that is never a good idea, and frankly, its asking for factors to outperform in the future. :twisted: I've have not looked at returns person...
by analogsavior
Thu Aug 31, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Value Factor Investing is not Value Investing
Replies: 126
Views: 12920

Re: Value Factor Investing is not Value Investing

Thanks for sharing your thoughts Packer. I was recently thinking about this and came to very similar conclusions. To use your terms, value investing and value factor investing are fundamentally two different things. I don't believe there is a way to invest in value (value investing) that is passive ...
by analogsavior
Mon Jul 24, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Ben Carlson on Commodities
Replies: 12
Views: 1661

Ben Carlson on Commodities

I stumbled upon this opinion piece by Ben Carlson (author of A Wealth of Common Sense ) about commodities and their role in the long term investor's portfolio. https://www.bloomberg.com/view/articles/2017-07-24/commodities-are-good-for-traders-bad-for-investors Some key points from the article inclu...
by analogsavior
Tue Jan 17, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: Replicating Index with Individual Stocks vs Index Fund
Replies: 28
Views: 4137

Re: Replicating Index with Individual Stocks vs Index Fund

Well darn, and I did a quick search too...

In my defense I had not seen any to this point. I still think its an interesting question though.

FYI, I did find this thread from 2014, but that's it so far.
by analogsavior
Tue Jan 17, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: Replicating Index with Individual Stocks vs Index Fund
Replies: 28
Views: 4137

Replicating Index with Individual Stocks vs Index Fund

This is just a theoretical question I was pondering to myself: Is there ever a situation where someone with a large enough portfolio and the time, skill, and desire to mange it, would benefit from replicating an index (such as the CRSP Large Cap or Total Market Index which rebalance quarterly) by pu...
by analogsavior
Tue Jan 10, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: Mr. Larimore, reasons for your decided international %
Replies: 1
Views: 886

Re: Mr. Larimore, reasons for your decided international %

Mr. Larimore posted this topic a while back, which seems to answer your questions.

viewtopic.php?t=196956
by analogsavior
Mon Jan 02, 2017 1:13 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 44374

Re: 2017 hedge fund contest

Regalia Absolute Equity

LONG
XOM - Exxon Mobil Corp
AMZN - Amazon.com Inc
GD - General Dynamics Corp

SHORT
SHLD - Sears Holdings Corp
GME - GameStop Corp
by analogsavior
Tue Dec 27, 2016 10:48 pm
Forum: Investing - Theory, News & General
Topic: What is your Rebalancing Band (3+ funds)?
Replies: 9
Views: 1430

Re: What is your Rebalancing Band (3+ funds)?

I think that we have all aware of what a rebalancing band is and what it is used for, but most examples and suggestions seem to revolve around a classic two-fund/asset portfolio model (i.e. +/- 5% in a prototypical 60% Equities/40% Bonds portfolio). Rebalancing But what particular values or thresho...
by analogsavior
Tue Dec 13, 2016 10:43 pm
Forum: Investing - Theory, News & General
Topic: Why risk slicing and dicing at all
Replies: 52
Views: 6104

Re: Why risk slicing and dicing at all

Are you investing to win years or make money? Lets look at the historical numbers another way. Which one would you rather have over the past 80 years: a) 20.4 million dollars b) 176.4 million Bogle says A is better because it wins 61 out of the 79 years. I vote for B because I like money:) I am bit...
by analogsavior
Fri Dec 02, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 10522

Re: What percentage of international do you hold?

After doing research on here, and reading Vanguard's research for myself, I concluded that between 20-30% of my equity allocation was the range I was comfortable with. I currently hold 25% of my equity in international.
by analogsavior
Wed Nov 23, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: How often do you hit your rebalancing bands?
Replies: 31
Views: 4398

How often do you hit your rebalancing bands?

For those of you who use rebalancing bands (5/25, adaptive bands , or anything in between), how often are you actually hitting those bands? Not counting adding new money or taking advantage of a RBD. I imagine that unless it was a particularly bad/good year for a particular asset class, you would pr...
by analogsavior
Sun Oct 02, 2016 12:16 pm
Forum: Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 3356

Re: Going from Total Int Market to Developed + Emerging Markets

Thanks everyone for the replies. 1) You asked: "How does this add value?" By adding Vanguard's All-Cap emerging markets index fund, they are adding diversification beyond that available in VTIAX. 2) You asked: "How does this reduce costs?" By reducing the gross ER needed to market-weight your invest...
by analogsavior
Sat Oct 01, 2016 11:43 am
Forum: Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 3356

Going from Total Int Market to Developed + Emerging Markets

Hello all, My 403b is changing the funds that they will be carrying, and one of the ones being cut is VTIAX, Vanguard Total International Index Fund. They are replacing it with VTMNX (Vanguard Developed Markets Index Fund) and VEMIX (Vanguard Diversified Emerging Market Index Fund). Just looking for...
by analogsavior
Tue Aug 09, 2016 12:30 am
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 103
Views: 13813

Re: Avoid International?

Investing a la bogleheadism is not a contest to see who makes the most money in the end, it is a matter of whether you met your retirement goals set out in your IPS. If you believed that whatever percent International was right when you wrote your IPS, then stick with it. You know, stay the course ...
by analogsavior
Sun Aug 07, 2016 12:47 pm
Forum: Personal Investments
Topic: International allocation
Replies: 7
Views: 577

Re: International allocation

I personally like Vanguards recommendation that anything between 20% and 40% of stock going international is reasonable. Your current overall allocation of 24% puts you at 30% of stocks in international, which is reasonable. If you want to cut down, then 20% of 75% stocks would be a 15% overall allo...
by analogsavior
Sun Aug 07, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 103
Views: 13813

Re: Avoid International?

I trust in Jack Bogle, no more than 20% international equity. Vanguard shows us 15% and Morningstar at 17.5%. I started in the 20% range but have not rebalanced more into foreign. Vanguard historic data seems to show 20-30% of equity portfolio maximizes return for minimal additional risk. For a non...
by analogsavior
Fri Jul 29, 2016 12:44 am
Forum: Personal Investments
Topic: Help appreciated: 90/10 AA too aggressive for us. Best way to change?
Replies: 34
Views: 3399

Re: Help appreciated: 90/10 AA too aggressive for us. Best way to change?

I called Vanguard and was told that I can't ask an advisor these questions without paying for the service. I did have a nice chat with the guy on the phone though about risk. I think my big hang up regarding AA is that if we lower it to say 80/20 or 70/30 or even 60/40 (age in bonds) that we're goi...
by analogsavior
Thu Jul 28, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 178
Views: 34879

Re: What rate of return do you use when planning for retirement?

I've been using Rick Ferri's 30 year predictions from this year. Seem like as good a guess as anyone else's.

https://portfoliosolutions.com/latest-l ... ecast-2016
by analogsavior
Mon Jul 25, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: How much of a role does asset allocation play?
Replies: 7
Views: 1115

Re: How much of a role does asset allocation play?

But if you invested $1,000 in each of the three funds in October 1994, how much would you have in June 2016? Focusing on the small annual average return differences hides the cumulative effect of those differences. That is what the link to the morningstar graph was supposed to show. I'll repost it ...
by analogsavior
Mon Jul 25, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: How much of a role does asset allocation play?
Replies: 7
Views: 1115

How much of a role does asset allocation play?

Hello all! I’ve recently gotten some great advice here on the forums regarding getting my investment plan in order. I’m working on drafting a detailed IPS that I plan to stick with, and in doing so I decided to do a little research on asset allocation and glide paths. In doing so, I stumbled upon an...
by analogsavior
Sun Jul 17, 2016 6:59 pm
Forum: Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3799

Re: New Physician Looking for Advice

Hello everyone! I want to say thanks for all the great information and helpful advice I received when I initially started this thread. I promised an update once I’ve had time to educate myself a bit more and reevaluate my situation, so here it is! I’ve now had some time so get into my saving routine...
by analogsavior
Sat May 21, 2016 9:37 am
Forum: Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3799

Re: New Physician Looking for Advice

Thanks everyone for the replies. I appreciate the opinions, and you all have definitely brought up several scenarios I’ll have to reevaluate. @LAlearning Thank you for taking the time to go through my questions. In particular I will be taking another look at my taxes and how a Roth v traditional 403...
by analogsavior
Fri May 20, 2016 2:01 pm
Forum: Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3799

Re: New Physician Looking for Advice

Thanks everyone for the replies. @rai The loan forgiveness I am planning to do is PAYE (pay as you earn) combined with PSLF (public service loan forgiveness). Here are two links for information. Be aware that, as mentioned by posters below your, there are some concerns regarding the future of PSLF. ...
by analogsavior
Thu May 19, 2016 10:34 pm
Forum: Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3799

Re: New Physician Looking for Advice

Thanks for the reply. I’ll start with loans part. I’m in psychiatry, so while very high salaries are possible, for the most part, I am planning as if I’d fall at the mean for the specialty. With that in mind after running my initial numbers, participating in both PAYE and PSLF made sense to me, but ...
by analogsavior
Thu May 19, 2016 3:45 pm
Forum: Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 3799

New Physician Looking for Advice

EDIT: Update July 15, please see new post here https://www.bogleheads.org/forum/viewtopic.php?f=1&t=191646&p=2982614#p2982614 EDIT: Question section updated 5/20 Hello everyone! I am a recent medical school graduate going into my first year of residency and hoping to get a good, early start in inve...