Search found 253 matches

by pokebowl
Wed Apr 17, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5008

Re: Bogleheads privacy warning

So, for example, if you post things about your net worth, or the amount of gold coins you have in your home, and someone (say, a hacker) links your name and/or address to your bogleheads ID, then that information is all connected. See "Doxing" . A technique as old as the internet itself, its why th...
by pokebowl
Thu Apr 11, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 105
Views: 7889

Re: Crypto bulls are back. Are you getting in?

So would you personally allocate a tiny portion of your funds to crypto? I was provided ~$4 in free stock when I tried out Robinhood last year. Sold the stock intentionally at a little loss and threw the remainder into dogecoin. So far, I've made a 45% return! Which equals a tad under $2 at the mom...
by pokebowl
Thu Apr 11, 2019 6:16 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 10913

Re: International under-performance

I enjoy the Google search game where I browse past topics on this discussion board during years in which specific markets outperformed and see how that influences the discussions here. Example being 2017 during a huge run up on international :twisted: The tone of that thread is much different then t...
by pokebowl
Sun Apr 07, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9075

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

And for VWO/Vanguard EM ETF, one of the funds where the ETF is now 2 bp cheaper (12 bp vs 14 bp) than the Admiral Shares (VEMAX), the spread is generally $0.01 (0.02%). The lower ER could pay for the spread in one year. I've noticed there is a larger deviation in expenses with the international ETF...
by pokebowl
Sat Apr 06, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: When to add bonds?
Replies: 37
Views: 2659

Re: When to add bonds?

Worst case scenario, you are 100% equities, market is down 40-60% and shortly after you lose your employment unable to find work for longer than your emergency fund can handle forcing you to sell equities at a depressed price, making you question your investing strategy and bylining out of the mark...
by pokebowl
Sat Apr 06, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 114
Views: 8216

Re: Vanguard Announces Plans to Launch Commodities Fund

I'll let other more adventurous forum members dip their toes into this first. I currently place commodities on the same shelf as crytocurrencies. Backed by nothing but pure speculation.
by pokebowl
Fri Apr 05, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 14835

Re: Would you buy Total World index if it had Admiral Shares?

I'll be into it once they have the same number of stocks and expense ratios as the separate funds. Simple as that. Which funds out of curiosity? I mention that, because all the total market type funds Vanguard holds also contain inferior stock allocations then if you just held each of their compone...
by pokebowl
Sun Mar 31, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: Are you a Boglehead or an IPO Thrill Seeker?
Replies: 1
Views: 299

Re: Are you a Boglehead or an IPO Thrill Seeker?

I mean I sometimes browse wallstreetbets and learn how to turn 5k into -57k, but other than that I keep my investing simple.
by pokebowl
Fri Mar 29, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: Diversification Can Improve Retirement Outcomes (SWR) [Very Long Post]
Replies: 64
Views: 3842

Re: Diversification Can Improve Retirement Outcomes (SWR) [Very Long Post]

marcopolo wrote:
Fri Mar 29, 2019 6:47 pm

It would nice if I could get the pic on one of these posts.
Would be interested in seeing it, is the issue just with finding an image host to upload or is it restricted use?
by pokebowl
Tue Mar 26, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix
Replies: 6
Views: 769

Re: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix

Define large, like 1MM+, 3MM+? Someone can check my math, I am using 2018 tax numbers for VTIAX/VXUS: ~3% dividend and ~8% foreign taxes withheld If you are an investor trying to avoid IRS form 1116: Filing single meant holding more than 125k in international would require this form, for those marr...
by pokebowl
Tue Mar 26, 2019 6:08 am
Forum: Investing - Theory, News & General
Topic: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix
Replies: 6
Views: 769

Re: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix

The main disadvantage would be in a large taxable account. At certain points you would want to control the ratio of U.S. to Non-U.S. for tax purposes (IRS form 1116) and or tax loss harvesting. In tax deferred space its a must own in my opinion for those who are looking for simplicity and are ok wit...
by pokebowl
Mon Mar 25, 2019 2:04 pm
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4202

Re: Does the 4% rule work for a 'world' portfolio?

This article reviews a 4% IWR for 21 countries over a 115 year span . AA range from 100/0 to 30/70. Taken individually, Besides the U.S., only South Africa, Canada, New Zealand, and Denmark had failure rates less than 5% Draw your own conclusions. My conclusion is the U.S. lucked out during the pre...
by pokebowl
Sun Mar 17, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 57
Views: 7080

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

The annual report for Total Stock Market itself says that Vanguard can allocate expenses however it wants, so I'm not sure why this is being debated: It's clear that Vanguard is now competing aggressively on ETF price at the expense of the shareholders of its other classes. For the last six months ...
by pokebowl
Sun Mar 17, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total International (VXUS) is an inferior choice?
Replies: 14
Views: 5520

Re: Vanguard Total International (VXUS) is an inferior choice?

gclancer wrote:
Thu Mar 01, 2018 8:03 pm
One important distinction is that VWO owns China A shares while VXUS owns China H shares.
Starting June of this year, I believe FTSE indexes will begin recategorizing A shares into emerging market status and including them in all indexes going forward.
by pokebowl
Fri Feb 22, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9591

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Bogleheads: Question: If a Total U.S. Stock Market Index Fund ALREADY holds the equivalent of 40% in international stocks, Why bother holding a separate international fund? I will appreciate your thoughts. Thank you and best wishes. Taylor As a Total international Stock Market Index Fund ALREADY ho...
by pokebowl
Sun Feb 17, 2019 8:23 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 12939

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Ignoring the 1960s-1980s, 2003-2009 and 2017. US has out performed international and thus should be the sole market one invests in. /heavy sarcasm
by pokebowl
Sat Feb 16, 2019 2:48 pm
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 9953

Re: Why international?

These threads its better to disagree. Its the only topic half the community here throws their own logic out the window. Past performance is no guarantee of future success, unless its in U.S. stocks. Buy the haystack unless its countries that are not U.S. No one knows nothing, except these select quo...
by pokebowl
Sat Feb 16, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: Fidelity Foreign Dividends/Reorganizations Fee
Replies: 1
Views: 171

Re: Fidelity Foreign Dividends/Reorganizations Fee

Someone please correct me if I am wrong, however I thought this fee was for Fidelity's brokerage account and for say single foreign stock assets or some other similar applicable foreign asset held in the account. I browsed through my Fidelity 401k plan information and brokerage information prior to ...
by pokebowl
Wed Feb 13, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Globally diversified retirement drawdown portfolio over the last 30 years
Replies: 11
Views: 1055

Re: Globally diversified retirement drawdown portfolio over the last 30 years

I know the answer already but I'll pose the question. This post shows the late 80s until now, what does the previous 30 years prior to even that show for those who invested solely in the US markets at the time? :twisted:

"History doesn't repeat itself, but it does rhyme."
by pokebowl
Thu Feb 07, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 19662

Re: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) available February 7

If only there was a way to merge my VTSAX/VTIAX holdings into VTWAX without triggering capital gains, oh well. Unpopular opinion, but you may be better served keeping those funds separate, at least in taxable depending on how large you foresee your brokerage account growing. Mine is fairly large, a...
by pokebowl
Tue Feb 05, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1595
Views: 96476

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

Interesting discussion here. I've seen this strategy discussed before, or variations of it discussed but never bothered to put my money up for it, so I will be watching this thread with interest. On a cynical note, MarketTimer also started his sure fire get rich margin strategy at peak market at the...
by pokebowl
Sun Feb 03, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: MSCI was forced to add China into its emerging market index...
Replies: 23
Views: 1977

Re: MSCI was forced to add China into its emerging market index...

What's the point of avoiding China? Is their debt bubble any worse than other countries' What you have to keep in mind with China is not debt, but what is your money actually doing in a not so liquid market. The Communist Party floats only a small percentage of a company’s equity on the stock excha...
by pokebowl
Sat Feb 02, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 117
Views: 16865

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Bumping this thread more out of amusement. I am in the market this year for a new car and was looking at older threads for discussion. Time to finally sell my Jeep Cherokee as its hitting close to 300k miles on it. Not sure on the newer Cherokee models, perhaps they are worse, but the '99 model will...
by pokebowl
Sat Jan 26, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency
Replies: 66
Views: 5380

Re: Cryptocurrency

Why do people still invest in crypto currencies? Is there still potential in this field? I opened a Robinhood (RH) account to try it out, apparently they provide you one random stock share as a "thank you" when you register. I was "gifted" $10 in some unheard of game design company. I intentionally...
by pokebowl
Sat Jan 19, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Total Stock & Intnl Stock vs Total World?
Replies: 7
Views: 629

Re: Total Stock & Intnl Stock vs Total World?

The main difference that comes to mind is Total World is its own index not the combined versions of Vanguards Total Stock and Total International as some believe. This means you will see slightly different holdings and differences on the cap weight. Performance wise its splitting hairs, but nice to ...
by pokebowl
Sat Jan 12, 2019 8:22 pm
Forum: Personal Investments
Topic: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]
Replies: 10
Views: 2088

Re: VMMXX -

I was thinking of parking my emergency savings and money I am trying to decide which VG funds to invest in in VMMXX instead of an online bank like Synchrony/CapOne/Ally. The amount is about 100 to 150k. Does this approach seem reasonable? Also, can one readily access and transfer money from VMMXX t...
by pokebowl
Wed Jan 02, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 414733

Re: What are you up YTD? [Year To Date]

WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11.42%

If you count my 0.00002% allocation to Dogecoin however, its still -11.42%. Thats my entire loss from taxable, IRAs and 401k.
by pokebowl
Tue Jan 01, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 414733

Re: What are you up YTD? [Year To Date]

2018 (As of December 31, 2018): -11.42% in a portfolio of 99.9998% global stocks and 0.00002% Dogecoin. :P
by pokebowl
Mon Dec 31, 2018 11:43 pm
Forum: Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1621

Re: Anyone else in frontier markets?

I looked into frontier markets some years ago. I came to the conclusion its the one area I do not want passive indexing. ETFs such as FM are heavily concentrated into one or two companies or sectors of their target countries and not truly capturing the market they purport to represent (The markets a...
by pokebowl
Mon Dec 31, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: International Funds Still Relevant in a Simple Portfolio?
Replies: 74
Views: 5265

Re: International Funds Still Relevant in a Simple Portfolio?

International funds are not relevant when the U.S markets are doing well, however when international markets are doing well versus the US, they matter a great deal. The trick is to know which future decades will benefit international versus the US. My blue telephone box is currently in the shop for ...
by pokebowl
Sat Dec 22, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14759

Re: All the "should I be 100% stocks" threads over the last year.

That is a pretty big strawman defense you set up. Can you provide sources in those links you posted that all those individuals have given up on 100% stocks? Do investors choose incorrect asset allocations, you bet. The incorrect asset allocation can also be to include bonds or other fixed income too...
by pokebowl
Wed Dec 19, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: What are some non-doomsday scenarios where buy and hold index fund equities fails in the long run
Replies: 27
Views: 3095

Re: What are some non-doomsday scenarios where buy and hold index fund equities fails in the long run

columbia wrote:
Wed Dec 19, 2018 7:56 am
It likely means the end of capitalism.

Do you think that’s even remotely possible?
According to history, yes such a thing is a possibility. Actionable by anyone here however, no.
by pokebowl
Mon Dec 17, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversify Globally
Replies: 47
Views: 4841

Re: Larry Swedroe: Diversify Globally

If this thread doesn't at least go to 20 pages of circular discussion, I will feel disappointed.
by pokebowl
Sun Dec 16, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: When cash is riskier than bonds
Replies: 58
Views: 6589

Re: When cash is riskier than bonds

As a retiree, I agree. Then there's Paul Merriman's approach, kind of between you and Jalbert: 50% ITT 30% STT 20% ST TIPS What is the argument for short term TIPS? There is very little risk of unexpected inflation in the short term. And TIPS in general have not performed as well as nominal Treasur...
by pokebowl
Fri Dec 14, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 26
Views: 2338

Re: Which asset class is down the most for you?

My international funds have become precious metal mining funds as they continue to explore and venture deeper into the Earth's core (down over 10% YTD). I've addressed this by continuing to invest like normal.
by pokebowl
Sat Dec 01, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6287

Re: I'm up 5% ytd and I will take it

rhornback wrote:
Sat Dec 01, 2018 1:48 pm

But in 50 years I will be dead :(
Both science and DARPA are actively working to fix that bug.
by pokebowl
Fri Nov 30, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 73
Views: 6828

Re: First Crypto ETF Index Fund launched!!! $HODL

I would never touch this fund with a 10 foot pole, they missed the boat in timing in my opinion. That being said, I did physically laugh out loud at that ticker symbol. :beer Its hilarious how a meme that started from an accidental typo which in and of itself was memed into a pseudo acronym "Hold On...
by pokebowl
Tue Nov 27, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 15480

Re: What is your allocation to U.S. and International?

Are there Bogleheads who allocate 50% to U.S. and 50% to International? I'll raise my hand here, though I'll caveat that is was only true in 2017. For me I allocate my equities at market weight, meaning depending on what the markets do I'll align new contributions accordingly into VTSAX and VTIAX, ...
by pokebowl
Wed Nov 21, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842404

Re: U.S. stocks in freefall

Having 80%, 90%, 100% in stocks appears that it could be a woeful lack of diversification of financial assets, which seems to me to be taking on an unnecessary level of financial risk. Of course, someone might have significant income, human capital, and/or other assets that are not correlated to eq...
by pokebowl
Tue Nov 20, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842404

Re: U.S. stocks in freefall

[Animated GIF removed by admin LadyGeek. Here's the link: https://i.imgur.com/QWCKKe8.gif]
by pokebowl
Tue Nov 20, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842404

Re: U.S. stocks in freefall

MotoTrojan wrote:
Tue Nov 20, 2018 8:29 am
DOW futures is so archaic, but based on bitcoin’s drop overnight I agree :P .
When bitcoin gets to its 2009 low, i.e. mineable via an old dell laptop, I'll buy mine in.
by pokebowl
Sun Nov 18, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)
Replies: 12
Views: 2042

Re: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)

I have not studied it in detail, but wonder about the low yield on the bond portfolio. VGWAX has YTM of 3%, with average maturity of 8.2 years and duration 6. VWENX is 3.6% with one year longer average maturity and duration at 6.4. VGWAX holds both international government and international corpora...
by pokebowl
Sun Nov 18, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve oddity
Replies: 22
Views: 1540

Re: Dropping TIPS?

willthrill81 wrote:
Sat Nov 17, 2018 3:37 pm
abuss368 wrote:
Sat Nov 17, 2018 3:26 pm
I agree that Total Bond Index is an excellent choice and TIPS are not needed.
They are probably not necessary, but if we see a repeat of 1977-1981, they sure would be nice to have.
Exactly, no one tends to expect unexpected inflation.
by pokebowl
Sat Nov 17, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6748

Re: Ally just raised Online Savings accounts to 2% APY

True, but you’re paying 0.16% ER on Investor shares, therefore more like 2.09% yield. What matters for a MM fund- the 7 day SEC yield or the compound yield? https://investor.vanguard.com/mutual-funds/profile/VMRXX This is incorrect, the SEC yield is the yield with expenses factored out. VMMXX is yi...
by pokebowl
Sat Nov 17, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 7798

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

In my personal opinion, I feel a lot of the risks on the fund are overblown to a mild degree, at least on these forums. The zero funds do perform security lending in addition to using Fidelity's own index benchmark to track. Both these methods contribute to their ability to allow these funds to be l...
by pokebowl
Sat Nov 10, 2018 5:26 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 104971

Re: How much international stock? A suggestion.

Seeing as the usual crowd is bumping up this thread, I take it the other circular threads were locked?
by pokebowl
Thu Nov 08, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: China Still An Emerging Market?
Replies: 24
Views: 2163

Re: China Still An Emerging Market?

1. on bond markets, China is safer than many "developed" markets. Would you rather own Chinese government debt, or Italian? Going to have to ask for a source on that one if you have it. Other than the usual finance news articles and blogs which have been trying to prop up China over the years I hav...
by pokebowl
Sat Nov 03, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18908

Re: Vanguard website "unavailable during weekend of Nov 3"

goodenyou wrote:
Sat Nov 03, 2018 1:55 pm
The question of whether having all assets at one investment site is a good idea or not is often asked here. Maybe this would be a good reason to spread it out a bit.
I mean I personally do all my market trades and bank transfers on the weekend. :P
by pokebowl
Fri Nov 02, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: "Individual investors should have access to Private Equity"
Replies: 46
Views: 3649

Re: "Private investors should have access to Private Equity"

From my perspective it is a serious problem that individual investors do not have access to this market. When only the well connected have the opportunity to participate in this market it causes private investors that would like to invest in these companies to lose out until some of the greatest gr...
by pokebowl
Mon Oct 29, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842404

Re: U.S. stocks in freefall

MJW wrote:
Mon Oct 29, 2018 5:36 pm
Seeing more threads of posters wanting reassurance or asking if they should change something. Makes me wonder what it will be like around here when something really happens.
Thats why you shouldn't diversify. You feel less bad with just one red ticker. /s