Search found 198 matches

by GLState
Mon Oct 07, 2019 1:49 pm
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4058

Re: New investor... Am I crazy?

CSIEX has a 4.75% load.
OLGAX has a 5.25% load.
by GLState
Mon Sep 30, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Best intro to Python programming?
Replies: 21
Views: 2791

Re: Best intro to Python programming?

Microsoft just launched Python for Beginners on YouTube.
https://www.youtube.com/playlist?list=P ... uJ9yne1mE6
by GLState
Fri Sep 13, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3244

Re: What dish soap do you use?

When I was a kid, we didn't have these low-flow faucets, so the dish soap got agitated a lot more, which created more suds.
by GLState
Sat Aug 24, 2019 7:34 am
Forum: Personal Investments
Topic: Super simple fund performance comparison
Replies: 4
Views: 563

Re: Super simple fund performance comparison

You also haven't accounted for the dividends paid by VTSAX and VBTLX. Your fund likely also paid dividends. We can't use price alone to determine total return. VTSAX and VBTLX might not be good comparisons for your fund. From June 27, 2018 to Aug 24, 2019, I calculate that VTSAX has returned 5.32% a...
by GLState
Tue Aug 20, 2019 8:21 am
Forum: Investing - Theory, News & General
Topic: Total market index fund and recency
Replies: 29
Views: 2150

Re: Total market index fund and recency

I favor the Total Market approach because it is an easy choice to obtain the market return. I can buy a Total Market fund from Vanguard, Fidelity, or Schwab, confident that they will all perform within a hair of one another. The same can't be said of funds based on size, style, momentum, or other fa...
by GLState
Thu Aug 08, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: AGG over BND
Replies: 10
Views: 986

Re: AGG over BND

Over the last 15 years there is little difference between AGG and Total Bond.
by GLState
Thu Aug 01, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: stock price not updating
Replies: 6
Views: 366

Re: stock price not updating

The average volume in less that 3,000 shares a day. On MarketWatch and Etrade, the volume is 0 for the day ... the markets been open 3 hours.
by GLState
Wed Jul 31, 2019 9:37 am
Forum: Personal Investments
Topic: How to find Individual stocks in Vanguard Index Fund
Replies: 15
Views: 1178

Re: How to find Individual stocks in Vanguard Index Fund

https://www.etf.com/etfanalytics/etf-stock-finder This page won't show mutual funds, only ETFs. VTI is the Vanguard Total Stock Market ETF which has the same holding as your Total Stock Market fund found in your TR 2045 fund. Many Vanguard mutual funds have corresponding ETFs. For AT&T, the page Van...
by GLState
Wed Jul 31, 2019 9:00 am
Forum: Personal Investments
Topic: How to find Individual stocks in Vanguard Index Fund
Replies: 15
Views: 1178

Re: How to find Individual stocks in Vanguard Index Fund

We don't sell, or are even concerned, because of the performance of one stock in a index fund. ATT is one of 10,711 stocks in your Target Retirement 2045 fund. VTIVX is the Target Retirement 2045 fund. Vanguard Total Stock Market fund is one of the components of VTIVX. You can go to Vanguard's Total...
by GLState
Sat Jul 27, 2019 4:18 pm
Forum: Personal Investments
Topic: Farmland Crowdfunding Website
Replies: 5
Views: 996

Re: Farmland Crowdfunding Website

Meb Faber's podcasts has a couple of farmland episodes you might find interesting. https://mebfaber.com/2018/07/25/episode-114-david-gladstone-farmland-is-one-of-the-most-stable-assets-one-can-own/ https://mebfaber.com/2019/06/19/episode-161-brandon-zick-in-row-crops-youre-getting-a-lot-of-current-i...
by GLState
Thu Jul 25, 2019 6:55 pm
Forum: Personal Investments
Topic: Download Vanguard Transaction History
Replies: 7
Views: 748

Re: Download Vanguard Transaction History

I don't know what advice you need. Just hit the Click on download button on the Account Overview page. Select "a spreadsheet compatible csv file" in Step 1. Choose a date range in Step 2. Choose the accounts that you want to download in Step 3. Click the "download" button.
by GLState
Fri Jul 19, 2019 11:02 am
Forum: Personal Investments
Topic: Starting Roth IRA
Replies: 20
Views: 920

Re: Starting Roth IRA

I will look at going away from the target date fund and going with total stock funds any specific suggestions initial thoughts would be VTI,VOO, VTSMX,...The purpose of the dividend stocks would be some type of shelter towards a recession but i will reevaluate that decision. Like i said im 25 so no...
by GLState
Fri Jul 19, 2019 10:33 am
Forum: Personal Investments
Topic: Starting Roth IRA
Replies: 20
Views: 920

Re: Starting Roth IRA

You have to be realistic. For a 25 year old, a Roth IRA has a contribution limit of $6000 / year. There are more than 50 Dividend Aristocrats companies just in the S&P 500... which stocks would your choose? With only $2000 allocated to "Dividend Aristocrats" you're not able to buy many shares or sto...
by GLState
Tue Jul 16, 2019 7:27 pm
Forum: Personal Investments
Topic: 2 to 4 fund YTD numbers from fellow Bogleheads.
Replies: 12
Views: 1187

Re: 2 to 4 fund YTD numbers from fellow Bogleheads.

Yes goingup , you're right. Corrected my initial post and updated all values to 7/16/19 data. I assume that the OP is referring to the "traditional" boglehead 3 fund and a 4-fund portfolio (60/40) would be similar to the Life Strategy Moderate Growth fund (VSMGX). The OPs best course of action is to...
by GLState
Tue Jul 16, 2019 5:40 pm
Forum: Personal Investments
Topic: 2 to 4 fund YTD numbers from fellow Bogleheads.
Replies: 12
Views: 1187

Re: 2 to 4 fund YTD numbers from fellow Bogleheads.

Use portfoliovisualizer.com ... Enter the funds, allocations, and time periods of your choice in the "Backtest Portfolio" section. Or use the data found on Vanguard's site... VTI (Total Stock Market) has a YTD return of 21.10% VXUS (Total Int'l) has a YTD return of 13.51% TBM (Total Bond Market) has...
by GLState
Sun Jul 14, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: Direct TV vs Nextstar issue
Replies: 9
Views: 795

Re: Direct TV vs Nextstar issue

These disputes have happened quite often, but usually are settled before actually cutting the feed. I gather this has been happening before, but am not sure if the settlement is a few weeks or many months. Any observations to share? I don't remember these disputes ever lasting this long. I have no ...
by GLState
Sun Jul 14, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Direct TV vs Nextstar issue
Replies: 9
Views: 795

Re: Direct TV vs Nextstar issue

I'm on UVerse. We lost the NBC station in my area. My neighbor put up a small OTA antenna on his roof, as the NBC station is close enough to get good reception. My wife is missing one of her favorite programs, but is getting accustomed to watching news and weather on ABC. Nexstar might find they hav...
by GLState
Thu Jul 04, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: Hidden Vanguard etf?
Replies: 20
Views: 5253

Re: Hidden Vanguard etf?

If you don't see the link to "Financial Professionals" on the Vanguard Home Page, you, at some point, chose to make the Personal Investors site the default. This would have been shown at the top of the page.... "Would you like to come directly to Vanguard's website for personal investors when you vi...
by GLState
Wed Jul 03, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 47
Views: 12091

Re: Doubling Your Money

. And that's with dividends reinvested! :oops: After inflation it would've been even worse! I don't think stock price charts you find on Vanguard, Fidelity, Yahoo, etc. include dividends. It's a price history chart, isn't it? Most of the graphs you'll see on Vanguard, Fidelity, or Schwab are Growth...
by GLState
Sun Jun 30, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: Calculating VTSAX(or total stock) return without dividends reinvested
Replies: 13
Views: 1086

Re: Calculating VTSAX(or total stock) return without dividends reinvested

Fund companies only provide total return data so we can compare our fund returns with other fund's returns. If you want to know return without dividends, you'll have to download the price data from yahoo or other providers to calculate the return yourself. In addition to accounting for capital gains...
by GLState
Sun Jun 30, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: What's tripping the trap now?
Replies: 12
Views: 1761

Re: What's tripping the trap now?

Rats can push their way out of the large Victor type rat traps. Tomcat Secure Kill Rat Traps (available at Home Depot) work well in my experience... and you won't catch yourself.
by GLState
Sun Jun 30, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: Simplicity (Three Fund) vs. Return (Slightly more complex):
Replies: 45
Views: 3664

Re: Simplicity (Three Fund) vs. Return (Slightly more complex):

I think you might be cherry picking the period to back test in regards to the permanent portfolio. It seemed to do well 2005-2019 because that coincided with a period that gold did unusually well. Take a look at PRPHX, a fund set up like the permanent portfolio. Over a ten-year period it delivered ...
by GLState
Sat Jun 29, 2019 4:13 pm
Forum: Personal Investments
Topic: Newbie question: is Index Fund something that you don't "contribute?"
Replies: 14
Views: 1389

Re: Newbie question: is Index Fund something that you don't "contribute?"

If you're at Fidelity, invest in Fidelity index funds. FZROX is a Fidelity Total Market Index Fund.

I would suggest doing some reading before investing. See the "Getting Started" section of the Wiki. https://www.bogleheads.org/wiki/Getting_started
by GLState
Sat Jun 29, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: Simplicity (Three Fund) vs. Return (Slightly more complex):
Replies: 45
Views: 3664

Re: Simplicity (Three Fund) vs. Return (Slightly more complex):

Rather than evaluating a portfolio just by return, it might be a good idea to see the risk that we're taking to get that return. Here's 3 portfolios on PortfolioVisualizer. Portfolio 1 is Three Fund. Portfolio 2 is Swensen's Lazy. Portfolio 3 is the Permanent Portfolio. The returns are similar, but ...
by GLState
Sat Jun 29, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Simplicity (Three Fund) vs. Return (Slightly more complex):
Replies: 45
Views: 3664

Re: Simplicity (Three Fund) vs. Return (Slightly more complex):

To which "Three Fund Portfolio" are you comparing your returns. Some have only a token allocation to International and perhaps only 10% bonds. Others equal weight US and International with, perhaps, 40% bonds. The past returns are very different. A three fund portfolio is easy to live with. We aren'...
by GLState
Sat Jun 29, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Analyzing Mutual Fund Overlap
Replies: 5
Views: 491

Re: Analyzing Mutual Fund Overlap

Find the fund overlap for ETFs here: https://www.etfrc.com/funds/overlap.php Find correlations for specific time frames (correlations vary) with PortfolioVisualizer ... set up two or three portfolios, each with a single fund or ETF ... monthly correlation is found in the "Assets" tab. https://www.po...
by GLState
Fri Jun 28, 2019 5:07 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 17182

Re: What percentage of total portfolio in REIT's do you have? Why?

I don't hold the REIT fund, so I don't have an opinion on what the future holds. I see REITs as a sector, rather than as an asset class. If I were to overweight, I would tend toward small or value, rather than REITs. $10,000 invested in VGSIX in 2007 would have been worth only $3442 by Feb 2009 ......
by GLState
Fri Jun 28, 2019 9:07 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 17182

Re: What percentage of total portfolio in REIT's do you have? Why?

I don't hold the REIT fund, so I don't have an opinion on what the future holds. I see REITs as a sector, rather than as an asset class. If I were to overweight, I would tend toward small or value, rather than REITs. $10,000 invested in VGSIX in 2007 would have been worth only $3442 by Feb 2009 ... ...
by GLState
Thu Jun 27, 2019 9:37 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 17182

Re: What percentage of total portfolio in REIT's do you have? Why?

Since 2008, adding 10% or 20% REITs to a Total Market portfolio hasn't helped or hurt. The final balances for all 3 portfolios are within a few dollars and the standard deviation and drawdown are only slightly worse for the REIT portfolios. The correlation between TM and REITs was 0.73 From 1997 thr...
by GLState
Thu Jun 27, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: How do I get S&P returns with dividends?
Replies: 7
Views: 778

Re: How do I get S&P returns with dividends?

S&P 500 Calculator: https://dqydj.com/sp-500-return-calculator/ Shows with and without dividends reinvested.
by GLState
Sun Jun 23, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: and ETF of ETFs?
Replies: 7
Views: 831

Re: and ETF of ETFs?

for bonds .... Vanguard Total World Bond ETF (BNDW) . VT (World Stock) & BNDW(World Bond)

Vanguard Life Strategy or Target Retirement funds hold indexed US and Int'l Stocks and Bonds ... though they are not available as ETFs.
by GLState
Sat Jun 22, 2019 12:05 pm
Forum: Personal Investments
Topic: understanding S&P 600 risk
Replies: 4
Views: 992

Re: understanding S&P 600 risk

If you're just using past performance to pick funds, small cap value as an asset class, since 1972, has a much greater return, along with a smaller standard deviation, than small cap blend. Also Large Value has beaten Total Market since '72. But... it would have been hard to invest in small cap valu...
by GLState
Tue Jun 18, 2019 7:31 pm
Forum: Personal Investments
Topic: Roth IRA portfolio ideas
Replies: 12
Views: 1227

Re: Dividend investing/ allocation

Only totals to 95%. SPHD only holds 50 stocks. 40 (80%) of those are also in VYM. VIG holds 184 stocks ... 61 (33%) of those are in VYM. You're looking at funds with quite a bit of overlap.
by GLState
Mon Jun 17, 2019 12:54 pm
Forum: Personal Investments
Topic: Dump FTCOX for 4-fund or just some? When is best?
Replies: 2
Views: 225

Re: Dump FTCOX for 4-fund or just some? When is best?

FTCOX A shares have a 5.5% load. Even without taking the 5.5% load into account, the A shares have not performed as well as an 80 % US / 20% International portfolio of Vanguard S&P 500 / Total International over the last 1 year, 3 years, 5 years and 10 years. Life Strategy Growth has a larger alloca...
by GLState
Sat Jun 15, 2019 10:55 am
Forum: Personal Investments
Topic: Vanguard Dividend ETF Offerings: VIG, VYM, VYMI
Replies: 7
Views: 1271

Re: Vanguard Dividend ETF Offerings: VIG, VYM, VYMI

According to Morningstar, VIG (Dividend Appreciation ETF) has a 12 month yield of 1.98% vs VOO (S&P500) 2.02% and VTI (Total Market) 2.00%. Vanguard's Value ETF (VTV) has a 12 month yield of 2.69%. The ProShares S&P 500 Dividend Aristocrats ETF (NOBL) is popular among those who like Dividend strateg...
by GLState
Tue Jun 11, 2019 4:20 pm
Forum: Personal Investments
Topic: Paul Merriman UBH vs Vanguard Mkt Cap model
Replies: 22
Views: 2180

Re: Paul Merriman UBH vs Vanguard Mkt Cap model

If you click on one of the portfolios, you will be taken to a list of the portfolio's components and recent returns along with the "as of" date.
by GLState
Tue Jun 11, 2019 4:09 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 124
Views: 12426

Re: why are Small Caps falling?

Will, I understand your point of view and agree that we can learn from the past. But, I have a problem with examples that go too far ... S&P 500 since 1927, for example https://www.macrotrends.net/2324/sp-500-historical-chart-data. They seem to know that the S&P 500 would exist 50 years in the futur...
by GLState
Tue Jun 11, 2019 3:07 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 124
Views: 12426

Re: Why are Small Caps falling?

You might want to read a few authors in addition to Paul Merriman. Merriman seems to prefer portfolios with a lot funds (Ultimate Buy and Hold), and these portfolios haven't performed any better than simpler portfolios (Total Stock, Total International, and Total Bond). I don't know what measure(s)...
by GLState
Tue Jun 11, 2019 9:54 am
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 124
Views: 12426

Re: Why are Small Caps falling?

VTSAX (Vanguard Total Stock Market) HAS captured the market value of Small and Mid cap returns. Actually it hasn't. If you backtest VTSMX vs VFINX starting from 1993 the ending balance is within a hair of each other as well as Annual Standard deviation. That isn't what I call capturing returns of S...
by GLState
Mon Jun 10, 2019 9:45 am
Forum: Personal Investments
Topic: ETF expense ratio vs performance
Replies: 6
Views: 688

Re: ETF expense ratio vs performance

According to Morningstar's Style Map, IHI contains much larger companies than XHE. IHI has 50% of its holdings in the top 5 companies. The difference in the components seems more important than the slight difference in expenses. XHE is likely more "different" than investing in a more general Health ...
by GLState
Thu Jun 06, 2019 6:29 am
Forum: Investing - Theory, News & General
Topic: Large cap tilt?
Replies: 9
Views: 632

Re: Large cap tilt?

yes. people investing in sp500 funds are basically large cap tilting. sp500 only covers 80% of total market. there is significant performance difference between the two. If you use VTSMX (the investor shares of Total Market) instead of VTSAX, you'll see that there is little difference between S&P 5...
by GLState
Tue May 28, 2019 6:44 am
Forum: Personal Investments
Topic: Has anyone done well with value investing?
Replies: 11
Views: 1541

Re: Has anyone done well with value investing?

Value investing has done "well", just not as well as Blend or Growth over the past 10 years. Use PortfolioVisualizer's Backtest Portfolio Asset Class Allocation to compare the returns of Growth, Blend, and Value Portfolios beginning 1972. Spoiler: a 1/3 allocation to LV, MV, SV handily beats Blend o...
by GLState
Sun May 26, 2019 10:58 am
Forum: Personal Investments
Topic: VTSAX CAGR vs Weight portfolios (VFIAX:VIMAX:VTMSX) returns & volatility
Replies: 2
Views: 278

Re: VTSAX CAGR vs Weight portfolios (VFIAX:VIMAX:VTMSX) returns & volatility

1: All three of your portfolios had drawdowns greater than 50% during 2008. If you held these portfolios during the Great Depression, you likely would have experienced drawdowns of 80-90%. It is impossible to know which assets and allocations will provide "every ounce of gain" in the future. It is n...
by GLState
Sun May 26, 2019 8:28 am
Forum: Personal Investments
Topic: Dividend Growth Fund VDIGX
Replies: 14
Views: 2975

Re: Dividend Growth Fund VDIGX

The OP mentioned that VDIGX returned about 14%. They weren't considering Drawdowns, Sharpe, or Sortino ratios. If we only wanted high Sharpe ratios, we'd be in savings accounts. Since 2009, VDIGX had "good" years (beat the S&P500 and Total Market returns) in 2011, 2015, and 2018. VDIGX owns 41 stock...
by GLState
Sat May 25, 2019 8:05 am
Forum: Personal Investments
Topic: Portfolio Modeling Software
Replies: 8
Views: 815

Re: Portfolio Modeling Software

That makes total sense! A follow up to this: I've run my current actively managed portfolio through PortfolioVisualer.com and compared it to a handful of the pre-loaded portfolio allocations and looked at the 20 year historically. What I found: My current portfolio seems to have mostly performed sl...
by GLState
Wed May 22, 2019 7:35 am
Forum: Investing - Theory, News & General
Topic: Regression to the Mean - and our money
Replies: 16
Views: 1724

Re: Regression to the Mean - and our money

Yes, by investing in index funds, we get the market return less low expenses. The average active investor gets the market return less higher expenses. Active investors pay more to attempt to "beat the market".