Search found 254 matches

by spdoublebass
Sun Dec 10, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice: Total market vs Larry Portfolio
Replies: 36
Views: 2336

Re: Portfolio advice: Total market vs Larry Portfolio

I am not someone that should be giving any investment advice, so I won't. I will share what I found interesting. Take two different 90/10 portfolio's....one a two fund and one tilted to 10% of equities to SCV. Portfolio A= 90% TSM and 10% TBM Portfolio B= 81% TSM, 9% SCV, and 10% TBM Lets say the YT...
by spdoublebass
Fri Dec 08, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 892

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

Anyone know what slice of the market portfolio emerging market bonds account for? Back around June it was: US 38.9% (BND) Developed ex-US 41.7% (BNDX) Emerging 19.4% (VWOB) I don't know what EM bond vs Gov ratio would be. Others probably do. That brings up an interesting point. Do those that like m...
by spdoublebass
Fri Dec 08, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 892

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

teigers wrote:
Thu Dec 07, 2017 3:02 pm
Anyone know what slice of the market portfolio emerging market bonds account for?
Back around June it was:
US 38.9% (BND)
Developed ex-US 41.7% (BNDX)
Emerging 19.4% (VWOB)

I don't know what EM bond vs Gov ratio would be. Others probably do.
by spdoublebass
Mon Dec 04, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 166
Views: 8950

Re: One answer to the Dividend stocks puzzle from behavioral finance

Thanks for this thread Livesoft. I find the excerpts in the book really interesting. I want to order it. As mentioned above, about how you are introduced to investing, I agree that this stays with you. I had many preconceived "truths" passed on to me that this forum has helped me overcome. I am stil...
by spdoublebass
Sun Dec 03, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2171

Re: Vanguard Total Corporate Bond ETF (VTC)

I have repeatedly considered VFIDX in lieu of my separate stakes in VSIGX (intermediate treasuries) and VICSX (intermediate corporates), but I just can't miss how VFIDX performed in 2008-9 when it might would have been needed for rebalancing. So every time I consider it, I end up deciding to keep t...
by spdoublebass
Sun Dec 03, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2171

Re: Vanguard Total Corporate Bond ETF (VTC)

The point being that when interest rates go up the home owner tends to not move or refinance and the duration increases which extends the maturity just when the price of the MBS goes down. The opposite applies when interest rates go down. This amounts to a "free" put or call on the part of the borr...
by spdoublebass
Sat Dec 02, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2171

Re: Vanguard Total Corporate Bond ETF (VTC)

posts above this are 2+ weeks old === bumping old thread with new info === Looks like the portfolio composition, which people have been wondering and asking about, is not yet available on Vanguard's site or Morningstar, though I did see it elsewhere. VCSH Vanguard Short-Term Corporate Bond ETF 37.5...
by spdoublebass
Sat Dec 02, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11775

Re: Bonds Are Riskier Than People Think

I trying to understand. If I put $1000 on January 1 into a 5 year CD yielding 2.5% a year. What would I get at the end of the five years. If I put the same $1000 in a short term government bond fund starting January 1 (yield 1.8%) and interest rates goes up 0.5% a year what would I get if I close t...
by spdoublebass
Wed Nov 29, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7224

Re: Is there any reason to invest in real estate?

As some famous person said (paraphrased), "If you want to invest in real estate, buy an REIT. REIT's never call you up in the middle of the night because their toilet isn't working." Come on now TN :D Let's demolish this oft repeated 'Straw Man' (or 'Red Herring' if preferred) once and for all. If ...
by spdoublebass
Wed Nov 29, 2017 1:30 am
Forum: Investing - Theory, News & General
Topic: 3 Questions
Replies: 8
Views: 1095

Re: 3 Questions

When you look at cost basis it had better say the cost basis is $85.00. It could also say the current value of your holding not counting the dividend is $85.10 and you are up $.10 in that sense. If the dividend is in your account still then the account will total $85.25 and your account is up $.25....
by spdoublebass
Mon Nov 27, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: What makes real estate a unique sector?
Replies: 25
Views: 1581

Re: What makes real estate a unique sector?

It seems to me that, at the end of the day, real estate is simply one sector among many. Yet it often figures prominently into very basic asset allocation models. If people do anything beyond just bonds and stocks they usually add a REIT component. That's certainly the route I've chosen to go. Yet ...
by spdoublebass
Mon Nov 27, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: 3 Questions
Replies: 8
Views: 1095

Re: 3 Questions

So there is no advantage to the automatic reinvestment. I wouldn't make that blanket statement. You're right. I should have said it differently. One benefit is set and forget--you don't have to make the effort to go in every so often to purchase additional shares yourself. This is what I do now Ano...
by spdoublebass
Mon Nov 27, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: 3 Questions
Replies: 8
Views: 1095

Re: 3 Questions

1. Correct. Long term bonds can have good credit quality (there are long-term treasuries, after all), and high-yield can be short term. High-yield are more correlated with stock returns. If you are thinking about chasing returns you have other choices than junk or long bonds. How about stocks? Yes,...
by spdoublebass
Mon Nov 27, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: 3 Questions
Replies: 8
Views: 1095

Re: 3 Questions

2. Addressing only Bond Funds in ETF's, lets use BND (TBM), what happens to your cost basis when you choose to NOT reinvest your dividends? Take the dividend for BND earlier this month in November.... Nov. 1 was the EX dividend Date Nov. 2 was the Record date Nov. 6 was the payable date If I unders...
by spdoublebass
Mon Nov 27, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: What makes real estate a unique sector?
Replies: 25
Views: 1581

Re: What makes real estate a unique sector?

It seems to me that, at the end of the day, real estate is simply one sector among many. Yet it often figures prominently into very basic asset allocation models. If people do anything beyond just bonds and stocks they usually add a REIT component. That's certainly the route I've chosen to go. Yet ...
by spdoublebass
Mon Nov 27, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: 3 Questions
Replies: 8
Views: 1095

3 Questions

1. Vanguards LT Bond index is NOT considered "junk bonds", correct? By definition on Investopedia they state that Junk Bonds are considered to be grade BB and below. So the people who argue against LT bonds are solely worried about the duration of the fund and not necessarily the quality of the fund...
by spdoublebass
Fri Nov 24, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 23
Views: 1847

Re: International Bonds

im New to investing this last year. It’s been a long year of reading. What I settled on is slightly unorthodox but I feel ok about it especially in the early stages of my investing. I have a 90/10 AA split right down the middle between global and domestic markets. For my stock I am 50/50 between VTI...
by spdoublebass
Fri Nov 24, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 23
Views: 1847

Re: International Bonds

I wonder why people who add international bonds don’t consider adding emerging market bonds as well. As pointed out in other threads vanguard is using 30% of FI in Int. bonds. If you look at the global market cap it’s around 39% TBM, 43% Int Bonds, and 18% EM bonds. Based on JPMorgan numbers. I’m no...
by spdoublebass
Sun Nov 19, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2306

Re: Bond fund in a ROTH

This might be a stupid question, but I'll ask anyway. After reading this thread....it's opened my eyes on a few things. However, the question I have is this: If you do not hold bonds in your ROTH, how do you rebalance? If I hold bonds in my ROTH, I could sell them to buy TSM. If my Bonds are in my ...
by spdoublebass
Sun Nov 19, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2306

Re: Bond fund in a ROTH

This might be a stupid question, but I'll ask anyway. After reading this thread....it's opened my eyes on a few things. However, the question I have is this: If you do not hold bonds in your ROTH, how do you rebalance? If I hold bonds in my ROTH, I could sell them to buy TSM. If my Bonds are in my 4...
by spdoublebass
Fri Nov 17, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2171

Re: Vanguard Total Corporate Bond ETF (VTC)

With the exception of enough VFSUX (ST investment grade fund) to live on for about 18 months in case of a stock selloff, all of my bond allocation is in my rollover IRA. It’s comprised of 2/3 VGIT (V* intermediate govt bond) and 1/3 VCIT (same but corporate). This arrangement allows me to tailor th...
by spdoublebass
Mon Nov 13, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2171

Re: Vanguard Total Corporate Bond ETF (VTC)

Yeah, I'll hold off until more information is out. I was trying to separate a small portion of my bonds (which are all in TBM) from TBM based on duration, just to have a little more control over what to rebalance with. The more I think about it though, it might be better to separate a small portion ...
by spdoublebass
Fri Nov 10, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 17
Views: 2171

Vanguard Total Corporate Bond ETF (VTC)

I read the other two (three?) threads on this ETF. I have often heard (read) Mr. Bogle say something along the lines that a little bit of extra corporate bonds to TBM or a IT Bond fund (such as BIV) isn't a bad idea. Would this be a vehicle to get those extra corporate bonds? I'm just curious. I am ...
by spdoublebass
Sun Nov 05, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: How consistent will VNQ dividend be?
Replies: 65
Views: 3680

Re: How consistent will VNQ dividend be?

I was wondering, is there a way to compare it to TSM? Say you had X amount of dollars in REITs (or whatever fund you mentioned) and you look at the same X amount in TSM. Then,look at the dividends of the REIT and sell that much of TSM and see which one comes out ahead. You might have to look at the...
by spdoublebass
Sun Nov 05, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 35
Views: 4341

Re: Total World (VT, VTWSX) Tilt? Simplicity...

The following article discusses the technique of tilting a globally market portfolio to domestic equities: https://finpage.blog/2017/03/25/investing-in-the-world-part-3/ A lot of analysis is done with 75% World + 25% Domestic tilt. Near the bottom, results are posted for 50% World + 50% Domestic. T...
by spdoublebass
Sun Nov 05, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: How consistent will VNQ dividend be?
Replies: 65
Views: 3680

Re: How consistent will VNQ dividend be?

Dividends are stabilizing. I could see someone in retirement or close to retirement wanting high dividends. That's an illusion - dividends are not stabilizing. They may want them because of the illusion, they shouldn't though and they should try to break past the illusion and build plans that focus...
by spdoublebass
Thu Nov 02, 2017 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3869

Re: Buying Vanguard ETF's VTI and VXUS

Vanguard's stock/ETF dividend reinvestment purchases occur at market opening, which is known to have wider ask/bid spreads. That is arguably the worst time to be making such automatic purchases. There is no bid/ask spread at the opening cross when Vanguard buys dividend reinvestment purchases. And ...
by spdoublebass
Wed Nov 01, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 42
Views: 7250

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

Did they say when this fund will be coming out? Just curious.
by spdoublebass
Wed Nov 01, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: Matching bond duration to....?
Replies: 17
Views: 1148

Re: Matching bond duration to....?

I think there's another adjustment that can be made. The OP seems to be confronting this dilemma. Your bond fund has a duration of 15 yrs. You need the money in 20. When do you start to reduce your bond duration? In 5 years you will be 15 years out from needing the money, but that time is only 5 ye...
by spdoublebass
Wed Nov 01, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Matching bond duration to....?
Replies: 17
Views: 1148

Re: Matching bond duration to....?

What I don't get is, say you invest in BLV, it goes up, then down, all over the place for 15 years....then in year 17 (three years from retirement) the fund is up. At this point, why would you stay in the fund? Why do bond funds go down? It is because interest rates have gone up. As a rule of thumb...
by spdoublebass
Wed Nov 01, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Matching bond duration to....?
Replies: 17
Views: 1148

Re: Matching bond duration to....?

I think the idea is you shorten your bond duration as your horizon shortens, so you'd be out of long bonds well before year 17. Right. I guess that is what I am asking. I understand matching duration, when you say shorten duration as your horizon shortens, do you add ST bonds to what you have? or d...
by spdoublebass
Tue Oct 31, 2017 11:51 pm
Forum: Investing - Theory, News & General
Topic: Matching bond duration to....?
Replies: 17
Views: 1148

Matching bond duration to....?

I read as much as I can on this forum. In the posts regarding long term bond funds (such as VBLTX/BLV), someone usually posts a comment like "long term bonds are OK if the duration of the fund is less than the time you would need the money." I think about this statement a lot and still don't underst...
by spdoublebass
Sat Oct 21, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1054

Re: TIAA Questions

I only spent 5 years out of a 40 year career with the institution that established a small RA account but I held on to it. Over thirty years later I was able to roll my Fidelity and Wells accounts into the 403b as a GSRA. This gave me access to VG Institutional funds along with TRAD and TREA. I fee...
by spdoublebass
Sat Oct 21, 2017 12:33 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6633

Re: Why do I need bonds? (I'm 30)

I’ll let other people answer your question who are far more qualified to do so. I wanted to say for me, age 34, I decided on a 90/10 AA. I thought of going 100% stock but decided not to for two reasons: 1. I’m new to this and I wanted to get a feel for how Bonds funds function and react. I can do th...
by spdoublebass
Fri Oct 20, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1054

Re: TIAA Questions

I’m following what was written above, but I see that with the two funds I listed, one was under the variable annuity and the other under the access annuity. I believe the difference is that the variable annuity is an annuity, the access one I can choose to make an annuity later on. I will review all...
by spdoublebass
Fri Oct 20, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1054

Re: TIAA Questions

Are there no Vanguard funds available with your school's TIAA plan? I ask, because our TIAA plan does have the Vanguard funds available as choices. Only a few. The Wellington, a SCV, and I think a IT treasury bond fund. Again, this is not a lot of money, but I just wanted the best all around fund. ...
by spdoublebass
Thu Oct 19, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1054

TIAA Questions

I recently opened a 403B (GRSA) at TIAA. I have read the Wiki and searched the forum, some of the forum posts were from a while ago, and I'm still not clear on a few things. 1. I wanted to invest in the Vanguard equivalent of VTI (Total Stock Market). From what I read TIAA Access Equity Index Fund T...
by spdoublebass
Sat Oct 14, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 14896

Re: What's your asset allocation and why?

90/10 AA with a glide path mapped out. 45% VTI (Total Stock Market) 45% VT (Total World Stock) 7% BND (Total Bond Market) 2% BNDX (Total International Bond) 1% VWOB (Emerging Market Bond) I couldn't decide on Domestic only or World market weight so I do half and half. I know there are other ways to ...
by spdoublebass
Sat Oct 07, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 16037

Re: Dividends vs. Capital Gains for Spending Needs?

I went on the internet & found out the 15% Federal Income Tax level is $37,950. No taxes are due on dividends if you earn less than this amount. However, some State Tax might have to be paid (depends on the State). When I did my taxes last year (2016) because I earned less than $37,950 my dividends...
by spdoublebass
Fri Oct 06, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 16037

Re: Dividends vs. Capital Gains for Spending Needs?

Good morning everybody, (New day, new thoughts...I slept on this last night) The problem is: Selling off the portfolio. There are lot of people that don't want to sell off their portfolio for various reasons. Well, I do not invest in dividend ETF's, I just use TSM, BUT...I want to thank you for you...
by spdoublebass
Thu Oct 05, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4542

Re: So... What bond fund or bond-like instrument do you use?

I am in the process of changing all positions in Vanguard Mutual Funds to Vanguard ETFs. For learning purposes only... may I ask a question? I too use ETF's. However, I was reading on this forum the other day about the differences between ETF and mutual funds regarding Bonds. There are a few posts ...
by spdoublebass
Mon Oct 02, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Why Long-Term Corporate Bonds (e.g. VBLTX) so Unpopular?
Replies: 15
Views: 2353

Re: Why Long-Term Corporate Bonds (e.g. VBLTX) so Unpopular?

I've always wondered about this fund (BLV,VBLTX) as well. I understand the risk aspect of the fund (and this fund is Treasury and Corporate) but it still seems to perform. I won't name names, but I remember reading on this forum from a person who often posts that this fund is usually always at the t...
by spdoublebass
Mon Sep 25, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 1046

Re: Pay student loans versus invest

I don't normally give any advice on this forum because my investing knowledge is lacking. However, I am familiar with student loans. That being said the information listed below may not apply to you, but I thought it might be useful for other people. Some facts I learned about student loans are as f...
by spdoublebass
Mon Sep 25, 2017 2:14 am
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 1046

Re: Pay student loans versus invest

Are the loans Direct Subsidized and Unsubsidized loans or private loans?
If they are Direct loans, did you consolidate them based on your income? (IBR, PAYE, REPAYE)
by spdoublebass
Wed Sep 20, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1047

Re: TIAA (GSRA) Traditional

Thanks for all the help. I found out a few new things with the 403B I'm offered. What I was trying to do is open the 403B to have access to the TIAA TRAD fund. The catch is that I don't make very much money at this institution, as I'm only adjunct faculty. I called them today and learned: The Good= ...
by spdoublebass
Mon Sep 18, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1047

Re: TIAA (GSRA) Traditional

In 2013, I realized that I had a small, long ignored, RA account with TIAA from 75-80 employer. When I noticed that the old employer plan gave me access to VG institutional index funds along with TRAD & TREA, I rolled my 401k and IRA into a GSRA. I have used TRAD and TREA for diversification - with...
by spdoublebass
Mon Sep 18, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1047

Re: TIAA (GSRA) Traditional

Thank you both for the replies and the links. Very helpful. Still not completely up to date on TIAA, but things are more clear. I find the TIAA Trad to be something I should go ahead with in addition to TBM in my other retirement accounts. 3% guaranteed is nice. From what I read the 3% guaranteed is...
by spdoublebass
Mon Sep 18, 2017 1:49 am
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1047

TIAA (GSRA) Traditional

I have a simple Boglehead portfolio. I realized I have access to TIAA (gsra) traditional through a 403B. I have read the forum regarding this topic and still have some questions. 1. It was mentioned that other types of TIAA traditional accounts are less liquid, such as the RA instead of the GSRA. My...
by spdoublebass
Fri Sep 15, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7966

Re: Vanguard advisor on dividends

Yes! Sticking to a plan is important. The trick is finding a plan that you won't regret. A couple of thoughts. You're 23 years old. What this means is that you don't have decades of investing experience so you're going to have to read a bit of history and learn from people who have had a bit more e...