Search found 141 matches

by GLState
Fri Sep 14, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Simba Backtesting Healthcare fund
Replies: 3
Views: 297

Re: Simba Backtesting Healthcare fund

Using Portfolio Visualizer:

Vanguard Health Care Inv (VGHCX)
$10,000 Initial Amt.

Jan 1986 - Dec 2017
Final Balance $1,573,378
Inflation Adjusted $670,323
CAGR 16.57%
Stdev 14.12%
Best Year 60.56%
Worst Year -18.45%
Max Drawdown -33.17%
Sharpe Ratio 0.93
by GLState
Mon Aug 27, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?
Replies: 18
Views: 970

Re: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?

This thread does not strike me as a "I'm creating a portfolio" thread. It seems to be a "small caps have done well in the past, why buy anything else" thread. The OP is attracted to IJR because it is "up 25% this year". Perhaps, I've misunderstood the OP's intent. Most here have a market allocation ...
by GLState
Mon Aug 27, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?
Replies: 18
Views: 970

Re: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?

Portfolio Visualizer... from Jan 1972 to July 2018 ................... CAGR ..... StdDev ..... SharpeRatio Total Market.... 10.42 ...... 15.32 ........ 0.43 Small Cap....... 11.93 ...... 19.25 ........ 0.45 Small Value..... 14.33 ...... 17.70 ........ 0.59 Notice the Sharpe Ratios for Total Market a...
by GLState
Mon Aug 27, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?
Replies: 18
Views: 970

Re: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?

Small Caps are getting a lot of attention this year because they are doing well. Remember all of the posts last year about adding International & Emerging Markets when they were doing well. Look back in discussions and you'll see times when Gold and REITs and GNMAs were hot topics. Chasing stocks, s...
by GLState
Mon Aug 27, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?
Replies: 18
Views: 970

Re: Little love for Small and Mid Cap ETFs in a "minimalist" portfolio?

I like to do these asset class comparisons with actual funds or ETFs. I don't know what PortfolioVisualizer is using for asset classes, but ... we can't buy indexes. We buy funds that have expenses and taxes. Also there are many discussions here that say small cap fund X contains too many mid-caps t...
by GLState
Sat Aug 25, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Basic Question
Replies: 6
Views: 561

Re: Basic Question

Jack Vogle is at Alpha Architect...https://alphaarchitect.com/user/jack.vogel%2c.phd/ . He's been a guest on the Meb Faber podcast.

By holding Value and Growth you've created a Blend with a slight tilt to value. It likely won't perform significantly better or worse than Total Stock Market.
by GLState
Sat Aug 25, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5379

Re: Is Treasury Direct worth the hassle?

It is easy to open a Treasury Direct account, to fund it, and get your money out. Open an account to learn if it is "worth it" for you. IMO, Ibonds are a great investment, but with an limit of $10,000 / year, it is hard to make IBond's a significant factor in our total portfolio. I didn't find Treas...
by GLState
Mon Aug 20, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX minimum vs IRA maximum
Replies: 9
Views: 682

Re: VTSAX minimum vs IRA maximum

You could buy the ETF (symbol VTI) or VTSMX (Investor Share Class with a $3000 minimum)
by GLState
Fri Aug 10, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 11041

Re: The Bigger Story: Fidelity Expense Ratios

I always find it puzzling here there are advocates for low expenses, until someone beats vanguard. Sort of like the complaints about customer service from all sorts of places (airlines, etc.), except when it comes to vanguard. It seems strange onjectively. Kudos to fidelity for lowering expenses. P...
by GLState
Sun Jul 22, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3025

Re: Where to go next? 24, grad student, pepsi, roth etc

Randy ... I've noticed your posts since your first. You're up to 128 and they all are concerned with where to put your money and what to do with your Pepsi. You've had many great suggestions on investments. You don't need to invest in something different each year or each time you receive new dolla...
by GLState
Sun Jul 22, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3025

Re: Where to go next? 24, grad student, pepsi, roth etc

Randy ... I was 24 a long time ago.IMO, one of the beauties of mutual funds or ETFs is that we don't have to be concerned if PEP is "doing well" or not. We don't care if they bought a snack food company. We don't have to read annual reports. We don't have to search to see how our stocks are rated or...
by GLState
Sun Jul 22, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3025

Re: Where to go next? 24, grad student, pepsi, roth etc

If PEP had your $90 they would invest in their business, likely at a much higher return than you would get by putting in the bank or spending it. We invest in companies because they can earn a high rate of return. The dividend is pulling money out of a company. The total return charts that you see o...
by GLState
Sun Jul 22, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3025

Re: Where to go next? 24, grad student, pepsi, roth etc

Randy ... I've noticed your posts since your first. You're up to 128 and they all are concerned with where to put your money and what to do with your Pepsi. You've had many great suggestions on investments. You don't need to invest in something different each year or each time you receive new dollar...
by GLState
Sun Jul 22, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3025

Re: Where to go next? 24, grad student, pepsi, roth etc

As was posted previously ... dividends are not "free money" to you or Pepsi. Dividends subtract from the value of the company. The value of Pepsi will drop by the amount of the dividend. Pepsi will have $90 less cash because they pay you a dividend.
by GLState
Fri Jul 06, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 2165

Re: Active Management Justification

MGIAX has a 5.75% load. Loads are never included in the graphs. Ask to see returns after taking the load into account ... 1, 3, 5, and 10 year total returns. Next year, your broker will have another hot pick for your investment dollars. Was you broker recommending buying this fund 10 years ago? http...
by GLState
Tue May 15, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 5772

Re: Three fund portfolio performance

One (or two) year(s) is not enough time to evaluate a portfolio. Vanguard Advisors will provide you with a good portfolio as will a three fund, four fund, Target Date fund, Life Strategy, etc. Trying to pick "the best" based on 1 year's data will start you down the path of buying past year's "winner...
by GLState
Tue May 15, 2018 7:01 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 3646

Re: How did you fall in love with investing?

I've never been "in love" with investing. I find the financial world interesting. You're in the puppy love stage. Investing is new and everything has gone right so far. You have to get to the point where you take investing for better, for worse, for richer, for poorer, in sickness and in health, til...
by GLState
Sun May 13, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 5772

Re: Three fund portfolio performance

The OP would also have to consider their investment schedule. Before the runup of the past few days, it would be possible to show a portfolio loss if contributions were small for 2016 and 2017 in comparison to the 2018 contribution. But, if the OP invested a lump sum in May 2016 or an equal investme...
by GLState
Sat May 12, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1988

Re: Just started a summer job. Should i start using them for their 401k?

I did see something under "eligibility" i didnt quite understand and this is it "To be eligible to receive a company match, you must be employed with Darden for one year (and have worked 1,000 hours)." does this mean to even do the 401k i need to be there a year? The "eligibility" note means you wo...
by GLState
Sun Mar 18, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar Performance Data
Replies: 9
Views: 1026

Re: Morningstar Performance Data

You're selecting funds based on past performance. When we buy a fund or stock, we are buying future performance, not the past. The SEC warns us that "past performance does not necessarily predict future results". https://www.sec.gov/fast-answers/answersmperfhtm.html Morningstar has found that expens...
by GLState
Sat Mar 17, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Helping 20yr old son set up Roth
Replies: 27
Views: 2649

Re: Helping 20yr old son set up Roth

The suggestions are "hands off" funds, but, be warned... they may not perform "how he wants them to". These funds will go up and down as the markets they track go up and down. Get the Roth IRA opened. You can put the money in a money market fund within the Roth until you have a chance to learn what ...
by GLState
Tue Mar 13, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Selling American Funds? (help, please)
Replies: 13
Views: 1548

Re: Selling American Funds? (help, please)

You can see the long term capital gains that BALFX has paid out on this Morningstar page (near the bottom left). http://www.morningstar.com/funds/XNAS/BALFX/quote.html Vanguard's Balanced Index hasn't paid out any long term capital gains in that period. As others have said it is hard to make suggest...
by GLState
Tue Mar 13, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Selling American Funds? (help, please)
Replies: 13
Views: 1548

Re: Selling American Funds? (help, please)

The admiral share class of the Vanguard Balanced Index fund (VBIAX, 0.07% ER) would be a better choice than the Investor class (VBINX, 0.19%ER), You'd qualify for admiral shares with $10,000 investment. Your American Funds Balanced Fund has done well for you. I would prefer the lower expenses of the...
by GLState
Tue Mar 13, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Investor vs Admiral Shares
Replies: 14
Views: 3148

Re: Investor vs Admiral Shares

Is there any reason to buy investor shares when the ETF has the same expense ratio as the Admiral plus no minimum other than the price of a whole share? This morning I could put in an order for $3000 of Vanguard S&P 500 (VFINX). If I bought the EFT (VOO) this morning, with $3000, I could only buy $...
by GLState
Sun Mar 11, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Investing spreadsheet or software?
Replies: 17
Views: 1875

Re: Investing spreadsheet or software?

If you're happy with your decades old Quicken, why not reinstall on your new computer. You have so many don't-want requirements that it'll be hard to find an alternative. Moneydance seems to be a popular Quicken replacement. http://moneydance.com/ Some use the sunset version of Microsoft Money. http...
by GLState
Tue Mar 06, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: 14yr old son wants to invest
Replies: 20
Views: 1731

Re: 14yr old son wants to invest

Vanguard's Target Retirement 2060 fund would be a good choice for a long-term investment. It is 90% stock and 10% bond. The whole $1000 could be invested. But, a 14 year old is not going to find a Target "Retirement" fund very interesting. A Total Market or S&P 500 ETF would also be good choices for...
by GLState
Thu Feb 08, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 4452

Re: Why does my wife have this portfolio?

Look at this from her point of view. You have a few men (they call themselves bogleheads :shock: ) on an internet forum that agree with your views. She has an adviser that she know and trusts. Tell her you've seen the light and you're now a boglehead...see how that goes. And ... her portfolio might ...
by GLState
Thu Feb 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1580

Re: Books/articles on life 100-120 years ago?

Google "diaries from 1900s" or whatever years and areas of the US that you find interesting. Also, you might check the National Archives, especially for photos. My local library has microfilmed old newspapers and photos along with a lot misc info. Shorpy.com has quite a few photos from 1900s through...
by GLState
Wed Feb 07, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond
Replies: 10
Views: 1616

Re: Total Bond

According to Morningstar, Vanguard's Total Bond Market Index Fund Adm (VBTLX) has a five year total return of 1.83% vs the median return of 1.84% of the Intermediate Term Bond funds on Morningstar's list. Looking at the Morningstar chart, VBTLX sailed through 2008 relatively unscathed compared to ot...
by GLState
Tue Feb 06, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 30510

Re: Torn between Vanguard, Fidelity and Schwab

I've been with Vanguard since 2002 and have had no problems. I had a 401k with Fidelity that I rolled over to Vanguard when I retired. Before 2002, I had an account with Schwab invested in index funds. Around 2002, Schwab began quarterly account fees for smaller accounts (<50k?). I transferred to Va...
by GLState
Mon Feb 05, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18441

Re: Vanguard site is crashed now?

According to MarketWatch, Betterment, Wealthfront, Schwab, TDAmeritrade, and others also had outages today.

https://www.marketwatch.com/story/as-ma ... 2018-02-05
by GLState
Fri Feb 02, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 7563

Re: Relearning Calculus

MIT Open Courseware ... https://ocw.mit.edu/courses/find-by-topic/#cat=mathematics&subcat=calculus EdX has many calculus courses available... From MIT: https://www.edx.org/course/calculus-1a-differentiation-mitx-18-01-1x-0 https://www.edx.org/course/calculus-1b-integration-mitx-18-01-2x-0 https://ww...
by GLState
Thu Feb 01, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 7509

Re: Finally going to invest, brother is FA

Active funds don't help in bad markets See the Standard & Poors SPIVA report from 2008. http://www.spindices.com/documents/spiva/spiva-us-year-end-2008.pdf  The belief that bear markets favor active management is a myth. A majority of active funds in eight of the nine domestic equity style boxes we...
by GLState
Sun Jan 28, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 1009

Re: Udemy classes recomendations (or YouTube)

The Finance for Everyone: Smart Tools for Decision-Making that you are now taking has a much longer version on Coursera https://www.coursera.org/specializations/valuation-investment. The class on EdX is a free class that the instructor wanted to offer on Coursera but they wouldn't allow it. The Cour...
by GLState
Sun Jan 28, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Udemy classes recomendations (or YouTube)
Replies: 11
Views: 1009

Re: Udemy classes recomendations (or YouTube)

I would recommend EdX over Coursera or Udemy. Finance for Everyone: Smart Tools for Decision-Making from the University of Michigan on EdX https://www.edx.org/course/finance-everyone-smart-tools-decision-michiganx-fin101x-1 EdX https://www.edx.org/ and Coursera https://www.coursera.org/ have online,...
by GLState
Wed Jan 24, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 2340

Re: Board game for 3 year old

My granddaughter (3 years old) likes Sneaky, Snacky Squirrel and The Lady Bug Game.
by GLState
Mon Jan 22, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 4800

Re: Excel for Personal Finance Accounting ?

I know Excel very well, but would not use it for that purpose. To generate enough adequate reports and do what you want would be more work than I would want to do. If you just want to keep a list of expenses, that wouldn't be too bad. Why don't you just use Quicken? The download features stop worki...
by GLState
Fri Jan 19, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Automation of Net Worth Tracking
Replies: 6
Views: 1115

Re: Automation of Net Worth Tracking

Many investors had their spreadsheets "break" because of changes in accessing Yahoo data. It is not the first time Yahoo has made changes. Quicken saves a lot of the hassles of maintaining links and data acquisition methods in a spreadsheet. It could be very time-consuming to create your own Quicken.
by GLState
Tue Jan 16, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2470

Re: wild bird feed

Get a squirrel guard so you're not feeding every squirrel and raccoon in the neighborhood...let them eat what falls to the ground. Its best if you don't mix seed. Blue Jays and other birds will kick out millet to get to sunflower seeds. Black oil sunflowers seeds seem to attract a wide variety birds...
by GLState
Sun Jan 14, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Individual stocks in an IRA?
Replies: 9
Views: 944

Re: Individual stocks in an IRA?

Our parents lived in a different investing world than we do now. Even when I began investing 40 years ago, stocks were, to most investors, the only game in town. Mutual funds were little known or talked about. It took my mom many years before she invested in her first mutual fund ... and it was a fu...
by GLState
Thu Jan 11, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 5416

Re: Help me stop my addiction to stock market peeping!

I find Warren Buffett's Letters to Berkshire Hathaway Shareholders to be excellent material to relieve the stress of investing. His writings explain why we want to invest in risky assets. If you're interested in markets, spend time learning about them, rather than watching the day-to-day fluctuation...
by GLState
Thu Jan 11, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 5416

Re: Help me stop my addiction to stock market peeping!

It is easy to look frequently, especially when the market is going up. Once the market heads down I think it becomes easier not to look so frequently. +1 It's GREAT to look twice daily while the market is going up. Two doses of cheer daily :greedy The time to NOT look is when the market slides down...
by GLState
Tue Jan 02, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 71
Views: 15228

Re: Savings Bond Wizard to be eliminated 5/18

Well this is an unwelcome new year’s gift. Anyone have any recent experience with converting paper bonds to a Treasury Direct account? The horror stories from a few years back made me very lery to take this step with my kids paper bonds.. I converted paper Ibonds to to Treasury Direct a couple of m...
by GLState
Sat Dec 23, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Request: chart showing returns various assets
Replies: 4
Views: 401

Re: Request: chart showing returns various assets

I used the "search" box. Is this what you're looking for?
viewtopic.php?t=130563
by GLState
Wed Dec 20, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Is there a reason to keep a Target Retirement Fund?
Replies: 17
Views: 2606

Re: Is there a reason to keep a Target Retirement Fund?

Also, VTTSX cannot be "maxed." Your account's contribution for the year can be, but not the mutual fund. Could you please expand on what this means please? Thanks They mean that if this were not a Roth or Traditional IRA you could put an unlimited amount of money into the fund annually - thus there...
by GLState
Sun Dec 17, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 21236

Re: Buying Real Silver and Gold (Not Bitcoin)

Years ago, when gold was $280 an ounce, I wanted to buy some bullion but had no idea how to go about doing it. I appreciate the good information in this thread. I do have a question for the more knowledgeable people here. What is the difference between these two items? https://www.jmbullion.com/201...
by GLState
Fri Dec 15, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Active vs. index funds in a recession:
Replies: 11
Views: 1847

Re: Active vs. index funds in a recession:

"The belief that bear markets favor active management is a myth. A majority of active funds in eight of the nine domestic equity style boxes were outperformed by indices in the negative markets of 2008. The bear market of 2000 to 2002 showed similar outcomes." SPIVA report for 2008 http://www.spindi...
by GLState
Thu Dec 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 4760

Re: Almost fell off my chair...

Ever since following the BH way of investing, life has become less stressful. With the "set it and forget it" mentality, I haven't checked my basic VG three fund portfolio in some months. Logged in this morning just to ensure I am hitting my 401k contribution limit with my last check for the year.....