Search found 201 matches

by pokebowl
Thu Oct 18, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10603

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Well this thread ran the course I figured it would. If anything this thread, regardless if it changed anyone's point of view, is definitely a great case study in investor biases. :beer
by pokebowl
Wed Oct 17, 2018 2:44 am
Forum: Investing - Theory, News & General
Topic: Dividend withholding makes actual ER of Total International 0.32%?
Replies: 7
Views: 1031

Re: Dividend withholding makes actual ER of Total International 0.32%?

Results will vary by an investor's own tax situation. If you have enough space to hold all of your International in taxable or tax-advantaged, and are deciding between whether to put TSM or TISM in taxable, the tax differences between these two choices in recent years has been very small, and can be...
by pokebowl
Thu Oct 11, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552851

Re: U.S. stocks in freefall

At least we get to reuse our hats? We have that going for us.

Image
by pokebowl
Wed Oct 10, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552851

Re: U.S. stocks in freefall

AlphaLess wrote:
Wed Oct 10, 2018 10:57 pm
Indeed.
Get ready for more pain tomorrow.
Looking at the futures currently, confirmed drop into the Earth's core continues tomorrow.
by pokebowl
Tue Oct 09, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5219

Re: The benefits of international diversification - NOT: Hulbert

While the "never internationals" group on this board have taken many sticks to the international horse, that being said this column really didn't provide much to go off of. Instead it only focused on the past performance of this year alone. Going by that baseline, what would we conclude about an inv...
by pokebowl
Thu Oct 04, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13380

Re: Correlation between the FIRE movement and one of the greatest bull markets

Reading the comments here puts it into perspective why many of us currently pursuing FIRE tend to keep quiet about it in general. Even on here the concept is met with contempt, while one could argue FIRE is the result of using the very core Boglehead concepts, in other words, have a large save rate ...
by pokebowl
Sun Sep 30, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic-International Equity Ratio at Retirement
Replies: 12
Views: 693

Re: Domestic-International Equity Ratio at Retirement

pkcrafter wrote:
Sun Sep 30, 2018 3:34 pm
40% is Vanguard's recommendation, but I believe posters here would suggest anything from 20% minimum to 40% maximum international.

Paul
For those of us who recommend by market weight, it would be closer to 46%. Just a year ago this was even closer to 50/50.
by pokebowl
Sun Sep 30, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 23883

Re: What is your overall portfolio weighted expense ratio

I am in a rare situation where my current 401k plan offers funds cheaper than what is obtainable in my IRAs (minus Fido zero funds), thus currently my overall ER is sitting at 0.062%.
by pokebowl
Tue Sep 25, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1398

Re: What investment company does your employer use?

My current megacorp is using Vanguard institutional total market funds. Actually its the first 401k in years that is actually cheaper to use than holding similar funds through my IRAs. :beer
by pokebowl
Sun Sep 23, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10096

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Has anyone answered the question yet about how the two yields are calculated. I always treated them as basically equivalent and leave my money where the higher one is but if I were to find out that one method is 10 basis points lower than the other, that could affect my decision. Everyone is talkin...
by pokebowl
Tue Sep 18, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10003

Re: How real is cyber risk?

One of those conveniences being banking by phone. It's really quick and easy to do many things this way but the biggest for me is depositing checks. Check depositing via mobile is not necessarily a bad thing however. I would just ensure if using your mobile fancy thinking device for banking, you en...
by pokebowl
Tue Sep 18, 2018 3:51 am
Forum: Investing - Help with Personal Investments
Topic: California tax free fund or an AMT tax free fund?
Replies: 9
Views: 809

Re: California tax free fund or an AMT tax free fund?

You might also take a look at Treasury Money Market funds which are tax-exempt for the California Income tax. Vanguard's Treasury Money Market fund currently shows an SEC Yield of 1.98%. Has anyone been able to verify if you can hold below that minimum initial investment of $50k once you enter the ...
by pokebowl
Tue Sep 18, 2018 2:49 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10003

Re: How real is cyber risk?

I'd argue the main realistic infosec risk end users face is phishing. I've parroted this response on several of the 2FA token threads, but complex passwords, OTP tokens or password managers won't protect you against common financial phishing attacks, specifically what is known as time of use phishin...
by pokebowl
Fri Sep 14, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3681

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

I for one welcome continued competition, as in the long run we all win (hopefully). That being said it will be interesting to see if Fidelity not only can keep this level of cost shifting up, but also maintain both their customer and online system support as well. I feel it will take several years t...
by pokebowl
Wed Sep 12, 2018 6:26 am
Forum: Investing - Theory, News & General
Topic: Mother, can I trust the stock market?
Replies: 19
Views: 2337

Re: Mother, can I trust the stock market?

willthrill81 wrote:
Tue Sep 11, 2018 10:39 pm

That doesn't concern me nearly as much as the fact that most of my assets could be argued to be nothing more than ones and zeroes of computer code.
Its only an issue if you find a 2 hidden in there somewhere.
by pokebowl
Fri Sep 07, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5545

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

So, when do they announce a VT + BNDW ETF-of-ETFs? I feel the sarcasm, but I do wonder how far brokerage companies will push ETF wrappers in the future. Here we currently have an ETF that follows two additional ETFs (BNDX/BND) which themselves are a share class of two corresponding mutual funds. No...
by pokebowl
Wed Sep 05, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1188
Views: 98355

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

FlyingMoose wrote:
Wed Sep 05, 2018 9:41 pm

If international was cheap before, it must be really really cheap now.
Its as cheap as August 2017. Good time to buy in from my viewpoint.
by pokebowl
Wed Sep 05, 2018 1:51 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 140
Views: 27001

Re: Is it time to dump high yield savings for prime money market?

VMMXX has been inching up in SEC yield the last couple days, soon to be 2.10%, after that, to the moon. :)
by pokebowl
Tue Sep 04, 2018 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do International than Total Index??
Replies: 22
Views: 2912

Re: Is there a better way to do International than Total Index??

All options listed will work until they won't. 2017, when EM was climbing up to ~50%+ returns for some indexes there were many posts here about tilting towards EM as a sure fire bet. Now that 2018, the inverse is true, as you have probably noticed this forum is filled with discussions on dumping int...
by pokebowl
Sat Sep 01, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: The US debt is even larger than stated
Replies: 25
Views: 2089

Re: The US debt is even larger than stated

This article argues that the US debt is even larger than stated in the official statistics. Makes sense to me. What is the implication for the individual investor planning for retirement? Simply save more? Do nothing. To you, fiat money is a store of value. To the government, it is not a store of v...
by pokebowl
Sat Sep 01, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33737

Re: U.S. stocks continue to soar!

Am I doing this correctly?

Image
by pokebowl
Thu Aug 30, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33737

Re: U.S. stocks continue to soar!

ruralavalon wrote:
Thu Aug 30, 2018 9:09 am
Do we need a new thread for "the market is drifting around and not doing much"?
U.S. stocks continue to meh?

:mrgreen:
by pokebowl
Wed Aug 22, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: FTIPX vs FZILX - stay or switch (ZERO fund)
Replies: 6
Views: 773

Re: FTIPX vs FZILX - stay or switch (ZERO fund)

The main differences that stick out are I believe the zero fund does not include small caps and follows an in-house index. It will probably take some time until there is enough information on FZILX to compare it to other similar indexes and holdings for performance purposes.
by pokebowl
Mon Aug 20, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Previous 10 year returns predicitions
Replies: 6
Views: 997

Re: Previous 10 year returns predicitions

Here is Vanguard's predictions from 2009: paper here Go to page 9 for a chart with expected returns, but the main conclusion was: Based on early 2009 valuation levels, our analysis would suggest that a reasonable starting point for a central-tendency estimate for the expected return of the U.S. stoc...
by pokebowl
Wed Aug 15, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552851

Re: U.S. stocks in freefall

Its shaping up to be a good buy day again for both US and International. Same "stressors" as last week depending on which doom and gloom article you read. Continued rally to the Earth's core confirmed. :beer
by pokebowl
Mon Aug 13, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 26
Views: 3313

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

How about Vanguard Treasury Money Market Fund VUSXX 1.89 I second this, as it appears OP has enough to meet the minimum threshold. While you will achieve slightly lower yield than investing in Tbills directly, the adjusted rolling average return and state tax exemption make this MM fund an easier h...
by pokebowl
Fri Aug 10, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20013

Re: International stocks in free fall

I started a taxable account at the end of last year. Up to now it's been entirely fusvx. Today I plunked down my first buy of ftpix in that account. It's been growing in size and messing up my us vs international asset allocation and I've been wanting to move more to a 3 fund in taxable. Good day t...
by pokebowl
Fri Aug 10, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20013

Re: International stocks in free fall

Suspicious (its not) why there are no posts to this thread in 2017. :twisted:
by pokebowl
Fri Aug 10, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 10707

Re: The Bigger Story: Fidelity Expense Ratios

I am unsure why one must choose only one brokerage. I myself use both. The recent Fidelity moves while welcome, are not enough for my to move my taxable brokerage holdings back to Fidelity. Vanguard still has the advantage there. Now if after a year, Fidelity shows they are keeping these price point...
by pokebowl
Wed Aug 08, 2018 4:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard: Foreign bond holdings should be currency hedged
Replies: 1
Views: 549

Re: Vanguard: Foreign bond holdings should be currency hedged

I personally am neutral on international bonds. This means if all my bond funds were forced to become bundled with international bonds, I wouldn't grab a pitchfork, but at the same time I will not actively seek out international bond funds for my portfolio. While Vanguard has released several papers...
by pokebowl
Mon Aug 06, 2018 2:20 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73852

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Can you explain this? What does Vanguard do differently? Vanguard currently has a patent, where their ETFs are structured as another share class of a mutual fund, like Admiral or Investor shares. This allows the mutual fund shares with an ETF pairing to benefit from the disposition of capital gains...
by pokebowl
Mon Aug 06, 2018 2:06 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73852

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I have about $60,000 in a Vanguard taxable account, in vtsax. This is my only taxable mutual fund investment. I'm going to give it about 1 month, for Vanguard to respond. That should be enough time, don't you guys think? At that time, I'm moving this entire modest taxable account to Fidelity. 0.00%...
by pokebowl
Fri Aug 03, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity eliminated $50 IRA closeout fee
Replies: 9
Views: 1574

Re: Fidelity eliminated $50 IRA closeout fee

I just did a rollover of an orphan IRA from fidelity only two weeks ago. :oops: Would have saved myself $50 bucks to wait two weeks. Oh well...
by pokebowl
Wed Aug 01, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Matter/Scatter Part 5: International stocks
Replies: 12
Views: 1840

Re: Matter/Scatter Part 5: International stocks

International I feel is the one area where a lot of investor biases come into play for various reasons. In addition, I feel it is also the one area where back testing will provide a false sense of expected U.S. out-performance. Where U.S. was relatively unscathed from the various world wars and regi...
by pokebowl
Sat Jul 28, 2018 1:44 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13401

Re: Security code [Vanguard website access]

An email seems more hackable to me. As to sms code pitfalls: - some phone companies like ATT have at least now required you to have a PIN that you have to recite before making changes (like stealing your phone number to intercept sms 2fa codes - the big weakness I saw with sms is the sequence of ch...
by pokebowl
Fri Jul 27, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6390

Re: Hold one stock 25 years

Space Exploration Technologies Corp.

In 10 years they've went from none to almost a market monopoly on domestic space launches and research.
by pokebowl
Fri Jul 27, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552851

Re: U.S. stocks in freefall

http://www.isthisthebottom.com/

I base all my investment forecasts on this. :mrgreen:
by pokebowl
Wed Jul 25, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1552851

Re: U.S. stocks in freefall

ReformedSpender wrote:
Wed Jul 25, 2018 8:05 pm
Remember all the doom and gloom posts from February?

S&P within a fraction of a percent of regaining all time highs.

Stay the course :beer
Facebook's stock price took this news into account as it decided to drop through the Earth's core. :mrgreen:

I jest, I jest.
by pokebowl
Mon Jul 23, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13401

Re: New Vanguard Security Code Requirement

Figured this was a great recent article to link to this topic in particular due to its related to 2FA and Yubikey, which Vanguard supports, and ties into my phishing prevention soap box commentary above: Source: krebsonsecurity.com Google has not had any of its 85,000+ employees successfully phished...
by pokebowl
Sat Jul 21, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13401

Re: New Vanguard Security Code Requirement

I used to do some computing at a site that required a USB dongle. Very inconvenient if you want to get some work done at home, but you left your dongle at work. As the crypto exchanges showed us during the mania in late 2017 having those usb dongles for 2FA, would have saved many of their customers...
by pokebowl
Sat Jul 21, 2018 3:16 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13401

Re: New Vanguard Security Code Requirement

Regardless, you need to set up either voice authentication or an enhanced phone security password even if you do everything online as an attacker may still try to call in. The weakest link will always be the human. Be that the end customer or Vanguard employees. When its the latter you have legal o...
by pokebowl
Sat Jul 21, 2018 2:01 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13401

Re: New Vanguard Security Code Requirement

Honestly, reading things like this makes me silently scream in terror as countless people in charge of security likely feel that way too. There are just as many of us (information security professionals), that would force you all to use hardware 2FA if we could. :beer That being said, Vanguard does...
by pokebowl
Thu Jul 19, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25556

Re: Invest in Tesla?

I currently hold TSLA through my holdings in VTSAX and VEXAX respectively. The last time I held the stock directly was between 2013-2015. :sharebeer
by pokebowl
Wed Jul 18, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3185

Re: International Stocks in Taxable?

The complexity piece doesn't really come to play, unless you are holding a substantial amount. I believe an amount that dishes out over 20k in foreign dividends as that kicks in several other IRS 'choose your own adventure' forms that needs to be filled out. The rest is pretty simple from my own exp...
by pokebowl
Tue Jul 17, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13401

Re: New Vanguard Security Code Requirement

It's an overly burdensome solution to a problem easily mitigated with sufficiently-designed password parameters (read >12 characters with complexity requirements). 2FA here is primarily being used to mitigate time-of-use phishing attacks (A one-time-password of >12 characters with complexity is sti...
by pokebowl
Wed Jul 11, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 64
Views: 8982

Re: The value of international stocks, in pictures

I've learned (from reading the hundreds of circular debates on this forum) the decision to either add or not add international equity comes down to personal investor bias. Figured I'd get this in on page one for the lurkers, prior to this thread exploding into 20+ pages of epic back and forth debate...
by pokebowl
Mon Jul 09, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: The game of 'whack-a-mole' continues (Credit Freezes)
Replies: 6
Views: 1907

Re: The game of 'whack-a-mole' continues (Credit Freezes)

Belated response. It depends on your state's freeze laws if any. When I froze my account back in May NCTUE did not levy a fee.
by pokebowl
Mon Jul 09, 2018 5:33 am
Forum: Investing - Theory, News & General
Topic: StreetShares bonds
Replies: 23
Views: 1830

Re: Street Smart bonds

Anybody have any experience/thoughts/opinions about these bonds returning 5% with liquidity (according to the advertisement). You will have to provide more information OP to what exactly you are referencing. Are these "crypto blockchain" smart bonds you are referring to or some other bond variant?