Search found 79 matches

by foosball
Mon Jan 18, 2021 9:39 pm
Forum: Personal Investments
Topic: Throw rocks at my experimental portfolio (tilt-o-rama)
Replies: 10
Views: 2914

Re: Throw rocks at my experimental portfolio (tilt-o-rama)

A few thousand $$ for 6 different funds? A waste of time and much too complicated for a small amount of money. I wasn't able to reduce the number of funds and still get the same exposure. Could probably replace AVUV and AVUS with one multifactor fund and get it to 5. But yes, I should probably focu...
by foosball
Sun Jan 17, 2021 6:52 pm
Forum: Personal Investments
Topic: Throw rocks at my experimental portfolio (tilt-o-rama)
Replies: 10
Views: 2914

Re: Throw rocks at my experimental portfolio (tilt-o-rama)

How long a "test" do you feel you need to run in order to get meaningful results? State an actual length of time, please. For example, to test whether long-term bonds are still a "good hedge," don't you need to wait for a stock market crash? The first reply has already exposed m...
by foosball
Sun Jan 17, 2021 6:05 pm
Forum: Personal Investments
Topic: Throw rocks at my experimental portfolio (tilt-o-rama)
Replies: 10
Views: 2914

Throw rocks at my experimental portfolio (tilt-o-rama)

Hi all. My portfolio is a mostly-Boglehead 60/40 in Vanguard funds with a mild tilt to small value. I recently read several threads about customer service problems at Vanguard, including this one about moving to eTrade: https://www.bogleheads.org/forum/viewtopic.php?p=5741504#p5741504 I'd like to in...
by foosball
Sat Jan 16, 2021 9:37 pm
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 184
Views: 17630

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

I rarely need a cust service rep and handle almost everything on my own but do like the concept of having it available if needed There is a big January rush and I am having trouble getting through to E-trade so I may wait for a period of time. ... When I called this week, I was on hold for 50 minut...
by foosball
Sun Jan 10, 2021 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Ugh Vanguard! May have to leave. They made a huge error.
Replies: 207
Views: 22656

Re: Ugh Vanguard! May have to leave. They made a huge error.

My cousin used to work for Vanguard. He started off in customer service. He said the turn over in the customer service department was absolutely crazy. He didn't even have a tenured manager. No one knew what was going on. In his words it was organized chaos. Between the craziness and the really low...
by foosball
Fri Jan 01, 2021 6:14 pm
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 129
Views: 6940

Re: Does a cheap road bike really exist?

Thx all. Just went to my lbs. Recommended giant contend 3: https://www.giant-bicycles.com/us/contend-3 Thoughts? Seems reasonably priced You already got a lot of good advice in this thread, but I wanted to chime in and say this looks like a great choice. Until you have a lot of experience with whic...
by foosball
Wed Dec 30, 2020 8:04 pm
Forum: Personal Investments
Topic: Roth IRA $7,000 2021 Contribution
Replies: 9
Views: 1465

Re: Roth IRA $7,000 2021 Contribution

A total stock fund or ETF like you listed is a fine choice for a Roth. However, as other posters mentioned, you should consider it in context of your other investment allocations, if you have them. You can post a question for portfolio advice using this guide: https://www.bogleheads.org/forum/viewto...
by foosball
Wed Dec 30, 2020 7:48 pm
Forum: Personal Investments
Topic: Help Me Decide How and If To Retire Early
Replies: 19
Views: 2425

Re: Help Me Decide How and If To Retire Early

I will get a $5K a month pension when I turn 55 and 80% of health care OR $2.5K a month and 50% of health care if I retire at 50. I think you can safely do it at 50, but it has a very high cost versus 55. If you work only 5 more years, you can double your monthly pension and reduce lifetime healthc...
by foosball
Wed Dec 30, 2020 7:09 pm
Forum: Investing - Theory, News & General
Topic: Avantis launches new AVMU Core Municipal Bond ETF
Replies: 2
Views: 341

Avantis launches new AVMU Core Municipal Bond ETF

I know there are some Avantis fans on here. I don't own this one, but came across it while searching for opinions on Muni funds. AVMU is an active ETF that: Pursues the benefits associated with indexing (diversification, controlled turnover, transparency of exposures), but with the ability to add va...
by foosball
Fri Dec 18, 2020 10:06 pm
Forum: Personal Investments
Topic: Chime in on my parents advisors modeling
Replies: 75
Views: 5621

Re: Chime in on my parents advisors modeling

After reading the thread, my conclusion is that your mom wants somebody to tell her that she can afford the $450K house and the mortgage. Mom wants to go with the advisor because the advisor is telling her she can swing the house. Advisor is doing what the parents asked. I think it is just that sim...
by foosball
Wed Nov 25, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 356
Views: 29537

Re: What is your age and asset allocation ?

Average age late 40s, 60/40. Asset allocation includes 1-year emergency fund. No debt. Within 60% equity: - 36% Total International Stock - 36% Total USA Stock - 28% tilts to USA: Small Value, Multi-factor, and Mid-cap Within 40% fixed: - 39% USA Total Bond - 38% USA Intermediate Treasuries - 13% TI...
by foosball
Mon Oct 26, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle? Passive Income?
Replies: 77
Views: 12690

Re: Side Hustle? Passive Income?

Build a business on the side. With social media, all the tools and resources are free. And it can scale $ faster than trading your Life for money [snip] Intriguing. Would you be willing to talk in generalities about what you create, produce, or provide to your audience or personas? How do you measu...
by foosball
Sun Oct 11, 2020 9:50 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: Small Cap Value heads Rejoice !!!

Some of you seem to like VFMF. I've seen it briefly discussed, but is no one concerned about the high turnover? Checking the semiannual report, it looks like it will have about 100% turnover again this year. The current semi-annual report from May 31, 2020 shows that turnover dropped from 98% in th...
by foosball
Thu May 14, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21209
Views: 2878054

Re: U.S. stocks in free fall

Forester wrote: Thu May 14, 2020 9:56 am Older generations are pulling up the ladder to protect what they have and they also saddled younger people with obligations and presided over deteriorating infrastructure.
This is true. I've been "presiding over deteriorating infrastructure" all day today. :P
by foosball
Thu Apr 09, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: Small Cap Value heads Rejoice !!!

I have listed data everyone can inspect, none of the funds tracked FF data closely, that is the point, not some normative argument. S&P 500 Index was tracked closely by Vanguard S&P 500 Index, FF Indexes were not closely matched by any of the funds. A fund tracking an index should match it ...
by foosball
Wed Apr 08, 2020 9:30 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: Small Cap Value heads Rejoice !!!

MotoTrojan wrote: Wed Apr 08, 2020 8:18 pm Doesn’t factor in the deeper drop (2008 at least) in advance of the impressive numbers.
No, you're supposed to buy it right at the bottom :wink:
by foosball
Tue Apr 07, 2020 7:09 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: Small Cap Value heads Rejoice !!!

Good article today by Ben Carlson What Happened to Small Cap Value? At its trough, the Russell 2000 Value Index was down nearly 45% from the highs. Small cap value stocks are still down well over 30% over the past year. ... Using history as a guide can be imperfect because investors don’t live in a ...
by foosball
Fri Mar 20, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: [Small Cap Value heads Rejoice !!!]

Great. I've doubled my position and hoping to triple it. Funny thing to do if I wasn't convinced, don't you think? I hold VIOV in my Roth IRA. I regret that I have but one annual contribution to give. Quite tax-efficient fund; just saying :twisted:. :) Tempting, but I'm already dancing with VFMF in...
by foosball
Fri Mar 20, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: [Small Cap Value heads Rejoice !!!]

james22 wrote: Thu Mar 19, 2020 12:31 pm Great. I've doubled my position and hoping to triple it.

Funny thing to do if I wasn't convinced, don't you think?
I hold VIOV in my Roth IRA. I regret that I have but one annual contribution to give.
by foosball
Wed Mar 18, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150294

Re: Coronavirus (Consumer Issues) How you are preparing?

jay22 wrote: Wed Mar 18, 2020 7:04 pm What are you guys doing with the packages that are being delivered? Should the box and the items be disinfected prior to bringing them inside the house?
We're wiping them down with Chlorox wipes, removing the contents and wiping those down, throwing away the packaging, and washing our hands.
by foosball
Tue Mar 17, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: [Small Cap Value heads Rejoice !!!]

VIOV is down -46% from its peak. I'm happy I sold it for 90$ (eventhough I bought it for 136$). I'm very glad that I don't have a SCV tilt anymore. VTI will do it for me, no matter what. I own VIOV and VFMF, which comprise about 1/4 of equity allocation. The drop has been excruciating, but I don't ...
by foosball
Tue Mar 17, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: [Small Cap Value heads Rejoice !!!]

Anyone want to opine why iShares small cap index IJS is down 10% while the rest of the indices (large cap, international,etc) have modest gains? Is there a liquidity problem? There was a large gap yesterday between IJS and the S&P 600 index. I don't know what happened, but my suspicion is that ...
by foosball
Mon Mar 16, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: [Small Cap Value heads Rejoice !!!]

Larry’s thoughts on value today... https://twitter.com/larryswedroe/status/1239653450494992387 His numbers are wrong. I don't know what happened to IJS but VIOV (same index) is down 12.60% which I suspect is actually correct. Right, VIOV is down more than total market today, and as you say IJS trac...
by foosball
Mon Mar 16, 2020 6:18 pm
Forum: Investing - Theory, News & General
Topic: Poll - How much of a crash are you predicting?
Replies: 82
Views: 5575

Re: Poll - How much of a crash are you predicting?

55% trough, 4-year recovery Not to thread hijack but when you say '4-year recovery' , does a recovery refer to getting back to the previous high we were at in February? Or something different? Yes. I thought I'd spice up my guess with an additional prediction. Both were scientifically derived, I as...
by foosball
Thu Mar 12, 2020 8:57 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: [Small Cap Value heads Rejoice !!!]

I own VIOV in my Roth IRA, and it's my only holding there. I made my full 2020 Roth contribution on 2 January. Sadly I can't re-balance any bonds into VIOV or add more cash, so I'm just watching the NAV drop.
by foosball
Mon Mar 02, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: "Here We Go Again!"
Replies: 32
Views: 7251

Re: "Here We Go Again!"

Great article. Thanks for posting it Taylor. :sharebeer
by foosball
Wed Feb 05, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Lower-cost donor-advised funds?
Replies: 34
Views: 2128

Re: Lower-cost donor-advised funds?

I learned by reading the PDF linked in this thread: A core account requires a $5,000 minimum contribution and account holders may recommend that account assets be allocated among a variety of investment pools selected and monitored on a regular basis by Schwab Charitable. That's a nice, low entry po...
by foosball
Tue Feb 04, 2020 7:06 am
Forum: Personal Consumer Issues
Topic: Update: Vanguard required re-registration of Yubikeys
Replies: 6
Views: 862

Re: Update: Vanguard required re-registration of Yubikeys

Same issue for me. I did what I was told to re-register my keys before the deadline, but I was not able to log in with them today. I find this result to be unprofessional and causes some concern about their IT infrastructure.
by foosball
Wed Jan 15, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21209
Views: 2878054

Re: U.S. stocks in free fall

Maybe it's time for you to start a small caps or SP 600 in free fall, soaring, or whatever you want to call your thread ... this is the US stocks thread. Your posts make me glad I decided not to tilt. It takes a lot of long term patience to deal with returns that vary so much from the total market....
by foosball
Wed Dec 04, 2019 7:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2020 outlook: The new age of uncertainty
Replies: 27
Views: 3630

Re: Vanguard 2020 outlook: The new age of uncertainty

VG 10-year forecast: Annualized returns for U.S. fixed income are likely to be between 2% and 3% over the next decade, compared with a forecast of 2.5%–4.5% last year. The outlook for global ex-U.S. fixed income returns is centered in the range of 1.5%–2.5%, annualized. For the U.S. equity market, ...
by foosball
Sun Sep 15, 2019 6:03 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: Small Cap Value heads Rejoice !!!

VIOV/IJS are quite tax efficient. More than VTI when I plug into triceratops tax sheet. If you want small value, not sure why you’d replace that with VFMF? Nothing wrong with it but certainly a different fund. Just to clarify in my own case, I didn't replace small value with multi-factor - I wanted...
by foosball
Sat Sep 14, 2019 7:00 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3658
Views: 277515

Re: Small Cap Value heads Rejoice !!!

My IRAs are just SLYV and ISCF besides my small stake in the hedgefundie excellent adventure. I hold some VIOV (and previously IJS) in taxable but now I put most taxable contributions to VFMF instead since it appears to be more tax efficient. I arrived at a similar strategy, FWIW. A few months ago ...
by foosball
Thu Aug 29, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 30948

Re: Larry Swedroe: Small Value Stocks are Cheap

abuss368 wrote: Thu Aug 22, 2019 4:18 pm I am curious how many Bogleheads invest in small cap value.
I have a 5% of portfolio allocation to SCV held in my Roth. Originally it was in VBR but I switched to VIOV for increased factor exposure and because I prefer the S&P 600 index criteria over CRSP.
by foosball
Thu Jun 20, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle courses
Replies: 45
Views: 5725

Re: Side Hustle courses

Cycle wrote: Fri Apr 26, 2019 11:57 am ...
My plan is to have programming be my career from age 45-120, after I retire from mechanical engineering.
...
Okay, but you might face some age discrimination in that industry when you hit 101. 😆
by foosball
Mon Jan 21, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 3253

Re: "Bogleheads on Investing" podcast growing audience

Rick, thanks for doing these. I've listened to all and enjoyed them. :sharebeer
by foosball
Tue Jan 01, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 7716

Re: Who has the highest allocation to international stocks?

FWIW, I'm at 65/35 US/Ex-US in equities. If international stocks drop significantly relative to US, I'd be tempted to go up to 40%.
by foosball
Wed Dec 26, 2018 11:02 am
Forum: Personal Investments
Topic: How to TLH VTIAX despite recent purchases?
Replies: 4
Views: 483

Re: How to TLH VTIAX despite recent purchases?

Make sure the Cost Basis method is set to Specific Identification. Then sell ALL the lots that have losses. You can simply exchange them to VFWAX if you like. I showed how to do this in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=179414 Then don't buy ANYMORE VTIAX for awhile, but...
by foosball
Mon Dec 24, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sold a rental property for an "ordinary loss of $70,719" in 2018 - how will this affect taxes?
Replies: 23
Views: 2357

Re: Sold a rental property for an "ordinary loss of $70,719" in 2018 - how will this affect taxes?

Did you hold the rental property for longer than one year? If so, that loss is likely a long-term capital loss. Long-term capital losses can be used to offset long-term capital gains (this is not the same thing as your wage income). It will not be taxed as a capital loss. It will be a Sec 1231 loss...
by foosball
Mon Dec 24, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sold a rental property for an "ordinary loss of $70,719" in 2018 - how will this affect taxes?
Replies: 23
Views: 2357

Re: Sold a rental property for an "ordinary loss of $70,719" in 2018 - how will this affect taxes?

Did you hold the rental property for longer than one year? If so, that loss is likely a long-term capital loss. Long-term capital losses can be used to offset long-term capital gains (this is not the same thing as your wage income). Did you for example sell any equities for a profit that you held fo...
by foosball
Mon Dec 24, 2018 11:49 am
Forum: Personal Investments
Topic: How to TLH VTIAX despite recent purchases?
Replies: 4
Views: 483

How to TLH VTIAX despite recent purchases?

Hi all, I've read several posts here about tax loss harvesting and the wiki, but I can't quite figure this one out. Background: I sold a rental property this year which generated long-term capital gains. Recently, I "bought the dip" in VTIAX (Vanguard Total International Index) on December...
by foosball
Wed Dec 05, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21209
Views: 2878054

Re: U.S. stocks in freefall

Condos in my preferred real estate market went down 1.6% in one YEAR (Nov '17 - Nov. 18), single family went up 4%. Meanwhile, the S&P 500 went down 4% in one DAY. Got to love the non-volatile, glacial asset class that is property. A vacancy still fills in less than a week for me. People will n...
by foosball
Fri Sep 21, 2018 7:02 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 14029

Re: How real is cyber risk?

VictoriaF wrote: Thu Sep 20, 2018 3:24 pm Here is an excellent recent article "Before You Turn On Two-Factor Authentication…" Aug 14, 2018, https://medium.com/@stuartschechter/bef ... 148cc5b9a1

Victoria
Agree, that's a great article. Thanks.
by foosball
Sat Jan 27, 2018 7:05 pm
Forum: Personal Investments
Topic: How to determine your True AA%?
Replies: 8
Views: 1076

Re: How to determine your True AA%?

NoRoboGuy, looks like the Rutgers link is broken. Thanks. Here is the current link for the Rutgers Risk Survey: https://njaes.rutgers.edu/money/assessment-tools/investment-risk-tolerance-quiz.pdf Here's a link to the interactive version of that quiz: http://pfp.missouri.edu/research_IRTA.html
by foosball
Fri Jan 19, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Active Core Bond Beats Total Index in 2017
Replies: 12
Views: 3502

Re: Active Core Bond Beats Total Index in 2017

Data from Vanguard:
Issuer type:
Image

Composition:
Image

Style box:
Image
by foosball
Fri Jan 19, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Active Core Bond Beats Total Index in 2017
Replies: 12
Views: 3502

Re: Active Core Bond Beats Total Index in 2017

BetaTracker wrote: Mon Jan 01, 2018 7:37 pm VCOBX has an average credit quality of BBB (vs. Total Bond's AA).
This is not a correct statement.
by foosball
Fri Mar 03, 2017 11:59 pm
Forum: Personal Investments
Topic: Berkshire Hathaway Annual Meeting - Anyone Going?
Replies: 16
Views: 3321

Re: Berkshire Hathaway Annual Meeting - Anyone Going?

2Much2Save wrote: I recently wrote a blog post about attending the shareholder meeting. It might be useful to other Bogleheads.

http://thinkplansave.com/a-beginners-gu ... r-meeting/

Cheers! :beer
Very informative! Thanks. :sharebeer
by foosball
Wed Feb 01, 2017 10:13 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services Experiences: Tell Me About Your Experience
Replies: 34
Views: 8524

Re: Vanguard Personal Advisor Services Experiences: Tell Me About Your Experience

A WSJ article today about Betterment mentioned that Vanguard's VPAS was the largest hybrid service in the industry with $52B in assets under management. The title of the article is "Robo Advisory Firm Adds the Human Touch."