Search found 301 matches

by pokebowl
Tue Sep 10, 2019 8:46 pm
Forum: Personal Investments
Topic: Fidelity Total International Index Fund VS Fidelity Global ex-US Index Fund
Replies: 7
Views: 553

Re: Fidelity Total International Index Fund VS Fidelity Global ex-US Index Fund

VTWAX has all world in one fund. You have to hold it at Vanguard, though, to avoid paying commissions. Just one note, VTWAX has everything but micro-caps, where as owning a total market and total international individually would include those. That being said, the inclusion or not of micro-cap prob...
by pokebowl
Tue Sep 10, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4146

Re: Looking at investment asset allocation in more detail than stocks/bonds

MotoTrojan wrote:
Tue Sep 10, 2019 11:44 am

As someone in the industry I'd be curious to know what your private stock was and how you acquired it; I sold all of mine from previous employer.
Worked for said employer, though the holding is basically illiquid, I believe if I wanted to "sell", the company would be the only one buying it.
by pokebowl
Tue Sep 10, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 45
Views: 4146

Re: Looking at investment asset allocation in more detail than stocks/bonds

I've been trying to target the emerging space sector for awhile. I believe only recently as of late last year some ETFs are now being offered to retail investors, however interesting enough they diverge into completely different focus areas (UFO versus ROKT for example). So myself I have a small til...
by pokebowl
Sun Sep 08, 2019 11:39 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 116
Views: 11553

Re: VTIAX International fund - should I give up on it?

FWIW I invest in VTIAX and believe in diversification. That being said I am also troubled by VTIAX lagging VTSAX. What was your purpose of adding international? I believe you need to answer this yourself, was it for diversification or something else? I would personally be troubled if all my funds i...
by pokebowl
Sat Sep 07, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: Total Stock (US and Intl): Fidelity ZERO vs Vanguard
Replies: 63
Views: 5382

Re: Total Stock (US and Intl): Fidelity ZERO vs Vanguard

MNS CA wrote:
Sat Sep 07, 2019 7:30 am

So FZROX has higher pre-tax and after-tax returns and lower expense ratios. it seems to dominate Vanguard. Am I missing something?
Believe it distributes capital gains annually, that would impact its post-tax performance on a year by year basis. :beer
by pokebowl
Wed Sep 04, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 204
Views: 18703

Re: Index Funds Bubble?

nisiprius, did you read the linked article? What Forester is saying is that those who broadly support the politics pushed in ESG funds will not be satisfied with the use of ESG funds to further these goals, and they instead will exert pressure on Vanguard (and Blackrock, and Fido, and Schwab, and s...
by pokebowl
Tue Sep 03, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 2808

Re: Internet security and vpn

I'll just throw my hat into the ring again and state WPA2 is indeed crackable it is just if you use a sufficiently long and complex passphrase, someone would have to be very very motivated to crack it. Most of us are not that important. Source: Former pen tester and information security practitioner...
by pokebowl
Mon Sep 02, 2019 10:53 pm
Forum: Personal Investments
Topic: Total World Stock only large cap in US part
Replies: 20
Views: 1912

Re: Total World Stock only large cap in US part

They offer a different index called FTSE Global Total Cap (https://research.ftserussell.com/Analytics/FactSheets/temp/26d1580a-b1af-42da-b5e9-005efc1a6c51.pdf) which does include the missing micro cap and with 29.5 Trillion comes much closer to the total US stock market. This is actually interestin...
by pokebowl
Sun Sep 01, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 2808

Re: Internet security and vpn

I have windows 10 and password secured wireless.I am probably too paranoid but thinking about getting a vpn for Internet banking. I use 2 step authentication for Vanguard. Any comments about vpn? Any recommendations on purchase of vpn. Would love one with easy setup and ease of use. Is there a reas...
by pokebowl
Thu Aug 29, 2019 10:21 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 116
Views: 11553

Re: VTIAX International fund - should I give up on it?

I personally would think I am doing diversification wrong if all my portfolio's subcomponents acted the same or moved in the same direction.
by pokebowl
Tue Aug 27, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 195
Views: 22218

Re: Vanguard Announces Plans to Launch Commodities Fund

Question, perhaps a naive one, is there a way to see this fund's portfolio breakdown? Or is it still too new? I see as of earlier this month the website finally has VCMDX's commodity sector breakdown by percentage, however I can not view the actual holdings or contracts within the fund. Usually when...
by pokebowl
Sat Aug 17, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15394

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Site glitches continue into this morning. I am finding on both mobile and on computer, parts of their website are not redirecting correctly or spitting out scripting errors. Example when I went to delete a secure message from my inbox, it spits out a scripting error: bug fix: first element can't be ...
by pokebowl
Wed Aug 14, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Treasury 2-10 year yield curve has inverted!
Replies: 115
Views: 10316

Re: Treasury 2-10 year yield curve has inverted!

ReformedSpender wrote:
Wed Aug 14, 2019 7:27 am

Unless of course your one of the many BH's with a 100% US equity allocation and little to no emergency fund. Maybe you should buckle up :D :P
That would be me and not worried personally, even if we end up going for a roller coaster ride.
by pokebowl
Tue Aug 13, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15394

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Well nothing appeared out of place this evening when it I logged in. I had put some orders in earlier today to liquidate a few funds, those appear to have went through. Unlike another poster, Vanguard is crediting the exact amount, I did not receive an extra 3 million. :twisted:
by pokebowl
Tue Aug 13, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15394

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Vanguard just posted the following to social media:
We understand that some clients are having difficulty accessing their accounts on our site. Our team is working to resolve this as quickly as possible. Thank you for your patience.
by pokebowl
Tue Aug 13, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4386

Re: Vanguard website fail at the propitious moment

Getting a 502 proxy error at the moment. I think we broke it. :(
by pokebowl
Tue Aug 06, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1506
Views: 148856

Re: U.S. stocks continue to soar!

Bluce wrote:
Tue Aug 06, 2019 8:54 am
First in. :shock:

It's different this time, the "free fall" is over, lock the other thread. :annoyed
Who here remembers the great crash of early August 2019?
by pokebowl
Mon Aug 05, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047445

Re: U.S. stocks in free fall

J G Bankerton wrote:
Mon Aug 05, 2019 3:02 pm
I did my best; my last buy of VTI at 144 is up 0.79%; let the good times roll. :greedy
So thats where my money went.
by pokebowl
Mon Aug 05, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047445

Re: U.S. stocks in free fall

livesoft wrote:
Mon Aug 05, 2019 9:42 am
Hmm, does anybody think today might be an RBD for some things? :twisted:
Livesoft said it everyone. Market confirmed to drop into the Earth's core by closing bell.
by pokebowl
Sun Aug 04, 2019 10:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047445

Re: U.S. stocks in free fall

If Asia trading and the overnight futures activity is anything to go by, tomorrow could be a nice buy day. 8-)
by pokebowl
Sat Aug 03, 2019 8:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047445

Re: U.S. stocks in free fall

J G Bankerton wrote:
Sat Aug 03, 2019 3:50 pm
Have you tried any iron condors lately?
I was thinking short box spreads.
by pokebowl
Sun Jul 28, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 17535

Re: Why Mr. Bogle prefers U.S stocks

I have to ask, was this thread started with the sole purpose to cause this community to scream over each other for 20+ pages? :|
by pokebowl
Sat Jul 27, 2019 5:01 pm
Forum: Personal Investments
Topic: The new 1 fund portfolio
Replies: 57
Views: 8183

Re: The new 1 fund portfolio

Total world would be fine choice as long as you realize international has/is not performing well. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&initialAmount=10000&annualOperation=0&annualAdjustment...
by pokebowl
Sat Jul 27, 2019 9:39 am
Forum: Personal Investments
Topic: The new 1 fund portfolio
Replies: 57
Views: 8183

Re: The new 1 fund portfolio

Hello, I have about 20k in cash and about 60k in my brokerage account in which I've picked individual stocks. I want to do 1 fund portfolio as I can simply just add money monthly, currently 23 years of age. The real question is should it be invested in VTSAX or VTWAX. I've come upon the new VTWAX f...
by pokebowl
Tue Jul 16, 2019 10:55 am
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 46
Views: 4481

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

Can one do an online conversion without calling a representative? I haven't been able to determine how to accomplish this. No currently you need to call. They will ask you how much you want to convert or if you want to convert the entire fund, 24 hours later the funds change and you receive a confi...
by pokebowl
Mon Jul 15, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1506
Views: 148856

Re: U.S. stocks continue to soar!

If the sector can barely only generate a few bucks in 2 decades then what is the purpose of even investing in it? But it does not stop there, for the paltry 1.5% real return one had to endure a drawdown of almost 60% in the last 2 decades! :shock: Is this a serious question you want explained or is...
by pokebowl
Mon Jul 08, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 19408

Re: Larry Swedroe: The Historical Imperative For International Diversification

I contemplated walking away from bogleheads several times. Since these threads pop up almost every other week about throwing the boglehead principles out the window, I would be doing a disservice to novice investors if we didn't advocate for diversification. I wouldn't let it get to you personally....
by pokebowl
Sun Jul 07, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 19408

Re: Larry Swedroe: The Historical Imperative For International Diversification

fortyofforty wrote:
Sun Jul 07, 2019 7:53 am
Do the Boglehead globalists follow their own advice when it comes to their "safer than equities" bond holdings? :confused
Can you expand upon this point? I've followed many of the back and forth between the usual crowds here for international but this is the first time I have seen this claim.
by pokebowl
Mon Jul 01, 2019 10:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Freedom Index Funds Increase International Exposure
Replies: 15
Views: 1816

Re: Fidelity Freedom Index Funds Increases International Exposure

jrbdmb wrote:
Mon Jul 01, 2019 4:07 pm
Oh no, another "why international" thread! :oops:
Found the batman villain. :twisted:
by pokebowl
Tue Jun 25, 2019 1:47 am
Forum: Investing - Theory, News & General
Topic: Excluding International All Together?
Replies: 82
Views: 9503

Re: Excluding International All Together?

Over the last decade, those equal or overweight in International have lost so much ground vs. 100% US they will likely not break even in their lifetime. Sad, but true. Now if you are a new investor starting today, who knows. If someone did a lump sum into a total U.S market index fund, say VTI a de...
by pokebowl
Fri Jun 21, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: Home country bias - does it skew US/Int allocation?
Replies: 15
Views: 857

Re: Home country bias - does it skew US/Int allocation?

How does home country bias impact this?
It tends to cause those types of investors to ignore entire markets completely, except in times of out-performance. Buy high, sell low.
by pokebowl
Tue Jun 18, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: Ukraine Makes Up 43% of Total World Bond?
Replies: 11
Views: 2814

Re: Ukraine Makes Up 43% of Total World Bond?

Appears to be a glitch. Looking at BNDX (Which BNDW pulls from) shows normal allocations across expected countries. I used a live tracker for the ETF though, I didn't use Vanguard's website. :beer
by pokebowl
Tue Jun 18, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 272048

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

HEDGEFUNDIE wrote:
Tue Jun 18, 2019 11:19 am

20 years from now when my M1 balance hits $10M I’d be happy to invite everyone who has contributed to this thread onboard my yacht. Especially the haters.
Should those of us who remain neutral bring the beer?
by pokebowl
Fri Jun 14, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: VTI declares lower dividend for Q2 2019
Replies: 6
Views: 2153

Re: VTI declares lower dividend for Q2 2019

livesoft wrote:
Fri Jun 14, 2019 3:59 pm
Personally, I wish the dividend went to $0.00 because it would save me a lot on taxes.
I second this, if they were able to get the dividends to zero, VTI would be the best hold for larger portfolios, especially those in a high State or Federal bracket.
by pokebowl
Mon Jun 10, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 272048

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

While this thread has some good analysis in it. I do notice a lot of new accounts just posting in here and some interesting discussions around total portfolio allocations to this strategy. Reminds me of the crypto mania hype. Perhaps the HODL meme is appropriate here? Regardless of how this strategy...
by pokebowl
Sat Jun 01, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 10688

Re: How did you all do in the month of May, 2019

Down ~60k, I've responded to this by going meh and performing no changes.
by pokebowl
Wed May 29, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: Are people buying VTI today or waiting for a bigger drop in June
Replies: 30
Views: 3692

Re: Are people buying VTI today or waiting for the bigger drop in June

The October 2019 stock market crash was a site to behold.
by pokebowl
Tue May 28, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: What goes wrong after index enlightenment
Replies: 41
Views: 5479

Re: What goes wrong after index enlightenment

Your mileage will vary. House Blend, I am curious on what is your current opinion in regards to someone allocating their entire international to taxable investments for the FTC? Knowing what you know now and your experiences, would you continue to hold a majority of international in taxable if just...
by pokebowl
Wed May 15, 2019 11:22 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 20399

Re: VTSAX or VTWAX over the next 35 years?

I'd go with total world, VTWAX/VT.
by pokebowl
Tue May 14, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 11837

Re: What is your U.S./ex-U.S. stock allocation?

My allocation floats with the market so I never need to worry about re-balancing bands, etc. As of May 14th, 54% U.S total market and 46% ex-US total market. In past years such as 2017 its been closer to 50/50.
by pokebowl
Mon May 06, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 7336

Re: International Exposure — A Fresh Look at Your Stock Portfolio

Any thoughts on all this? Since the source data is from March, can I link another source from around the same time frame that addresses this? Vanguard: Global equity investing white paper February 2019 page 3 Can multinational corporations provide enough exposure? One common question about exposure...
by pokebowl
Mon May 06, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 8283

Re: Vanguard Lowers 21 ETF Expense Ratios

Add me to the list of those who took the carrot. Just got off the phone with Vanguard to convert all my accounts' admiral holdings to their ETF equivalents. I left a small portion of the cheapest of the admiral funds in my retirement accounts as a collection point for leftover cash. Hope Vanguard kn...
by pokebowl
Sun Apr 28, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 196
Views: 22494

Re: Man’s life savings stolen from hijacked cellphone number

I never use my phone for financial transactions. Never. I have two home iPads which I use for financial transactions via web page. No passwords stored. I think I will be getting a yubikey to add more security. Well thats great news for those targeting you, it is much easier to steal money this way ...
by pokebowl
Sat Apr 20, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 29
Views: 5058

Re: Vanguard now supports Yubikey 5 and 5C

Google Authenticator is more secure than SMS texts. But it doesn't protect against what I assume many here want. Time of use phishing attacks. While email, SMS and OTP will protect you against a comprised user account password, it will not protect you from common financial phishing techniques alrea...
by pokebowl
Sat Apr 20, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 29
Views: 5058

Re: Vanguard now supports Yubikey 5 and 5C

I know it's still less secure than a Yubikey offering, but I wish Vanguard would also enable Google Authenticator. (and, as other people have said, allow people to disable SMS.) You'd be just replacing one weakened 2FA vector with another one. Google Authenticator at least has branding going for it...
by pokebowl
Fri Apr 19, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3377

Re: Hedging against hyperinflation scenario

This seems a strange claim to make, especially since traditional assets have done perfectly fine in every hyperinflation that has even happened in world history. Has the S&P 500 or 10 year Treasuries or EAFE been affected by Venezuela's crisis? Nope. Nor were they affected by Zimbabwe's hyperinflat...
by pokebowl
Fri Apr 19, 2019 6:18 am
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3377

Re: Hedging against hyperinflation scenario

Question: How does one hedge against hyperinflation scenario in his own country, assuming that he holds 50/50, or 3-fund portfolio? Traditional investments will not protect you in a true economic collapse scenario. Which I view a Venezuela-style hyperinflation scenario to be. If you are looking wha...
by pokebowl
Fri Apr 19, 2019 5:58 am
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 130
Views: 28104

Re: How and when did you do it - to get to 1 Million

There's not a lot of "I got lucky" or "my plan wasn't working, so I changed it" or other means. I got lucky with single stock investments prior to adopting indexing. I still work and save as much as I can in my retirement accounts, but those lucky single stock picks allowed me to wipe off 20 years ...
by pokebowl
Wed Apr 17, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5690

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: 278
Views: 24176

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...