Search found 381 matches

by spdoublebass
Tue Jun 19, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Question
Replies: 1
Views: 34

Treasury Direct Question

When placing a non competitive bid for an upcoming auction, which price to get get? The one labeled Investment rate or the High rate? From what I’ve read on the site you receive the High Rate...but I wanted to double check. This is pertaining to treasury Bills, but I think for notes it’s called some...
by spdoublebass
Mon Jun 18, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security advice needed
Replies: 28
Views: 1858

Re: Social Security advice needed

Have you included the likely reduction in benefits in 2034 of 25%? Is it against board guidelines to suggest that the reduction in benefits is hardly "likely"? Good point. That reduction is pretty much assured under current law, if we take the SSA's accounting at face value, which I do... Who would...
by spdoublebass
Sun Jun 17, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Re: Basic Inflation Questions

Thank you everyone. This is exactly the information I was looking for. I'm really grateful.

All of your responses were very clear, which was appreciated. Haha.
by spdoublebass
Sun Jun 17, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Basic Inflation Questions

I'm trying to understand basic inflation. I think I'm on the right track but I want to make sure. I can find the current inflation here: https://tradingeconomics.com/united-states/inflation-cpi I have a hard time understanding what this means. In May it says it was 2.8%. What does this mean for my m...
by spdoublebass
Thu Jun 14, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1276

Re: Anyone buying Individual Short Term Treasuries?

I actually just set up a Treasury Direct account a few days ago. I read a lot of negative things about it on here, but I wanted to see for myself. So far no problems. I opened the account in a few minutes. I bought one TBill just to see how everything works. I plan on buying T bills and notes to pay...
by spdoublebass
Tue Jun 12, 2018 8:35 pm
Forum: Investing - Theory, News & General
Topic: Upping equity exposer instead of adding Factors/Value
Replies: 7
Views: 611

Re: Upping equity exposer instead of adding Factors/Value

Thank you for the replies.

I wanted to make sure I wasn't missing anything.
by spdoublebass
Mon Jun 11, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Upping equity exposer instead of adding Factors/Value
Replies: 7
Views: 611

Upping equity exposer instead of adding Factors/Value

I'm asking this question only from an educational standpoint. I'm not arguing the validity of tilting to Value or other Factors. While I acknowledge the studies and even think SCV will outperform TSM over the next 30 years, I still am not comfortable adding it to my portfolio. I know what I am going...
by spdoublebass
Mon Jun 11, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9355

Re: Yes, you can diversify a market portfolio

But where are you seeing that the global market portfolio is currently 57/43, i.e. 57% stocks, 43% bonds? Can you provide a link? Thank you for the great reply. I gotta look over that link more closely. What I was referring to was Bill Sharpe's market portfolio (Maybe I was getting the terms confus...
by spdoublebass
Sun Jun 10, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9355

Re: Yes, you can diversify a market portfolio

It does not appear to come out of MPT/CAPM, nor does it correspond to the "global market portfolio" (either for the world or for the United States alone). I'm just a fly on the wall here reading and trying to follow along on this thread. Much is way over my head. Please do not take this comment as ...
by spdoublebass
Wed May 30, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11537

Re: To be or not to be complex, that is the question

Great post Mr. Ferri. It made me think of a few things. - A comment I received here early on in this forum was "until you have 20K in your portfolio, don't worry about slicing and dicing, just keep saving and put it in TSM"..... I think this was great advice. They were not poking fun of my small por...
by spdoublebass
Mon May 28, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1290

Re: Can anyone recommend Any Social Responsible fund/s?

Use the forum search on the top right of screen.

There have been a few threads on this topic.

From what I remember of them, the best suggestion was to invest like normal and donate money to your charity of choice.
by spdoublebass
Mon May 28, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Why over think bonds with a small portfolio?
Replies: 4
Views: 1062

Re: Why over think bonds with ANY portfolio?

Vanguard Total Bond Market Index Fund is an excellent bond fund. I have owned it for over 30 years and am perfectly happy (especially in 2008 when my stock funds plunged over -50%, but my TBM fund gained +5%. The enemy of a good plan is the dream of a perfect plan. -- Jack Bogle Best wishes. Taylor...
by spdoublebass
Sat May 26, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: Why over think bonds with a small portfolio?
Replies: 4
Views: 1062

Why over think bonds with a small portfolio?

I will admit that I read this forum pretty much daily. That being said I never make immediate changes based on something I happen to read on this forum. I do have an IPS that I adhere to. I only started investing a little over a year ago, so my portfolio is small. I have 30+ years until retirement a...
by spdoublebass
Fri May 25, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Bogle again calls for a total corporate bond fund
Replies: 26
Views: 4969

Re: Bogle again calls for a total corporate bond fund

Older Post... April 2013 It was interesting for me to read this old interview by Jack Bogle. Jack Bogle is way more pro dividends than most people realize. After reading 1 or 2 of Jacks books & numerous articles & interviews & his "gems" I' am convinced that Jack understands dividends & why they ar...
by spdoublebass
Fri May 25, 2018 1:47 am
Forum: Investing - Theory, News & General
Topic: Bogle again calls for a total corporate bond fund
Replies: 26
Views: 4969

Re: Bogle again calls for a total corporate bond fund

OLDER POST In this recent interview with IndexUniverse.com writer Olly Ludwig, Jack Bogle again called for a total corporate bond funds that includes high yield bonds. Bogle: ‘Total’ Corporate Bond Fund Needed Bogle: I'm absolutely convinced, and I've been talking about this a lot, that we need a to...
by spdoublebass
Wed May 23, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 12758

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

A Few Comments and thoughts... I'm glad this isn't turning into another debate on if we need international or not. I totally understand that one could be just fine with US only, and that a domestic only portfolio might end up with a better end result for some than a Global portfolio. To each their o...
by spdoublebass
Tue May 22, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: Best Index to follow Global Bond Market
Replies: 9
Views: 1211

Re: Best Index to follow Global Bond Market

I want to know what bond index is the best to track the Global Bond market in a general sense. I say general because I know each index excludes certain bonds. Through reading this forum I have come across a few ways of following this market. One way is through William Sharpe's Market Portfolio. In ...
by spdoublebass
Thu May 17, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 4312

Re: Good idea investing now in long term funds?

The argument that you have to be able to hold LT bonds for X number of year would also seem to apply to stocks. I think I would be Ok holding a certain allocation in LT bonds, but it should be regarded more like "alternatives" that have the same risk profile as stocks but aren't correlated to the m...
by spdoublebass
Wed May 16, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 4312

Re: Good idea investing now in long term funds?

OK... so you are saying that longer term bonds did better than shorter term bonds, but actually longer term did worse because if instead you had invested in mostly cash you would have done worse than shorter term bonds. It's all starting to make sense... :confused Do you understand risk-adjusted re...
by spdoublebass
Sun May 13, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1525

Re: VTWSX Question

Some things I would look into before putting it in a taxable are: -Turnover percent VT= 9.9% VXUS= 3.4% VTI= 3.1% Are you quoting this to say VT is less tax efficient? Using turnover to argue that the tax efficiency of index ETF products is suspect. For one thing, the precise mechanism by which the...
by spdoublebass
Sun May 13, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1525

Re: VTWSX Question

As for your question... I love this fund. However, as of yet, I do not have a taxable account. I think the ER's are nothing to worry about. Some things I would look into before putting it in a taxable are: -Turnover percent VT= 9.9% VXUS= 3.4% VTI= 3.1% -Tax loss harvesting - Foreign Tax Credit http...
by spdoublebass
Sun May 13, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: VTWSX Question [Vanguard Total World Stock Index]
Replies: 15
Views: 1525

Re: VTWSX Question

What do you mean “the addition of small cap”? You have small cap in your current portfolio. I think the OP is referring to the history of the fund. When it was first released, it did not contain Small Cap's. If you research the fun via forum, many of the early complaints of the fund were to the lac...
by spdoublebass
Wed May 09, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 20886

Re: Why International again?

Re higher returns on international I never stated that International would have higher returns. All I said was that adding international adds diversification. People seem to think diversification leads to greater return. It doesn't, they may still want to add International because they want more Di...
by spdoublebass
Wed May 09, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 20886

Re: Why International again?

Re higher returns on international I never stated that International would have higher returns. All I said was that adding international adds diversification. People seem to think diversification leads to greater return. It doesn't, they may still want to add International because they want more Di...
by spdoublebass
Wed May 09, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 20886

Re: Why International again?

The problem with these types of threads is that everyone talks past one another. Words like best, need, even diversification are all relative. Will one be ok with only TSM? Probably. Is TSM diversified? Yes. Is adding International to TSM increasing your diversification? Yes. Does added diversificat...
by spdoublebass
Thu May 03, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 14988

Re: I’m still not a fan of international bond funds

Sometimes these threads can be a little too black and white. I have a small amount of BNDX (Int Bond). It has barely gone down since I bought it. BND (TBM) is down a lot more than BNDX. Today, when TSM hit its low, I bought some and sold some BNDX. Tomorrow BNDX will probably be within a few penny’s...
by spdoublebass
Tue Apr 24, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6783

Re: Floating Net Worth w/ VT after 5 Years

pascalwager wrote:
Tue Apr 24, 2018 7:40 pm

Sorry, I can't answer that. I'm not going to complete the article as I don't know what the author means by Global.
See my post directly above yours. Global is clearly defined as the entire World.
by spdoublebass
Tue Apr 24, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6783

Re: Floating Net Worth w/ VT after 5 Years

I'm only posting this here because it hasn't been brought up in this thread as of yet. I found this very interesting. Siamond posted this on the Bogleheads Blog. https://finpage.blog/2017/03/25/investing-in-the-world-part-3/ Great article. So this is their conclusion: "The author believes that this...
by spdoublebass
Tue Apr 24, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6783

Re: Floating Net Worth w/ VT after 5 Years

There are three parts to that article. You can get to the other parts at the bottom. I took it to mean that (per that study) the sweet spot is 75% at Global market weight and 25% Domestic Tilt. Which would mean is US is 52% of global market weight, you'd be at around 64% US overall. I think they are...
by spdoublebass
Tue Apr 24, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6783

Re: Floating Net Worth w/ VT after 5 Years

I'm only posting this here because it hasn't been brought up in this thread as of yet. I found this very interesting.

Siamond posted this on the Bogleheads Blog.

https://finpage.blog/2017/03/25/investi ... ld-part-3/
by spdoublebass
Mon Apr 23, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9795

Re: Boglehead Philosophy Open To Change?

FiveK. I' am sure a lot of investors in the fire community use the TSM & S & P 500. You don't really say this though. I also think a lot of members in the FIRE community use dividend stocks or funds. Doesn't mean that this is the best thing to do. I' am sure that some investors combine both strateg...
by spdoublebass
Mon Apr 23, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9795

Re: Boglehead Philosophy Open To Change?

spdoublebass, Excellent. If you look at Wellington Fund (dividend paying stocks & corporate credits) we are doing basically the same thing (not exactly, but same idea). If I were to add the Total Bond Market Fund it would equal (dividend paying stocks & corporate credits). Only in a index fund. The...
by spdoublebass
Mon Apr 23, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9795

Re: Boglehead Philosophy Open To Change?

When we started this conservation is the Boglehead Philosophy Open To Change? I always said these are my opinions & what I' am doing. I have no idea what other people are doing. As a relatively new investor (one year in this April), I want to chime in. You of course have a right to your opinion. Th...
by spdoublebass
Sat Apr 21, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 14988

Re: I’m still not a fan of international bond funds

Great thread. Few questions/comments from a regular Joe Investor. BNDX (Vanguard int. bond) YTD is .60%, SEC is .81% BND YTD is -2.43%, SEC is 2.99% While I'm no fan of international bonds, I gotta say at least it hasn't gone down. Does that count for anything (diversification?) or am I looking at t...
by spdoublebass
Sat Apr 21, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: The Two Fund Portfolio
Replies: 34
Views: 5395

Re: The Two Fund Portfolio

I pay the .19 expense ratio and use VTWSX across all my retirement accounts and taxable account. I’ve realized I prefer mutual funds over ETF’s, so I use this fund as well. While I’m not concerned about the .09 difference, you can always convert a portion of your mutual fund to ETFs to get the lowe...
by spdoublebass
Thu Apr 19, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1129

Re: 2 Quick Questions

On #1, are you asking: given a stock, find which ETFs hold it? OR, given an ETF, which stocks does it hold? If you click on that tool, I want something like that but for International. So I can type in a stock and see what percent of each index fund it is within the different indexes. The link abov...
by spdoublebass
Thu Apr 19, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1129

Re: 2 Quick Questions

You might find this ETF overlap tool useful as well, shows weighting of overlapping stocks https://www.etfresearchcenter.com/tools/overlap.php?f1=VXUS&f2=VSS I referenced this tool in my OP. The issue with that tool is that it doesn’t have an up to date holdings list. It’s actually deceiving in som...
by spdoublebass
Wed Apr 18, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1129

Re: 2 Quick Questions

Provide the names of a couple of international funds you are interested in and maybe readers can come up with answers. I won't ask why you want to know this, but consider a fund that holds 200 stocks vs one that holds 30 stocks. Paul I guess I’m interested in it only out of curiousity. I picked Chi...
by spdoublebass
Tue Apr 17, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: 2 Quick Questions
Replies: 9
Views: 1129

2 Quick Questions

1. I'm looking for a website, or whatever, that allows one to look up what percentage of a certain stock is inside an ETF/Fund. There is a great one found here: https://etfdailynews.com/tools/what-etf-holds-your-stock/ But it does not work for International funds. Is there another free way to look t...
by spdoublebass
Wed Apr 11, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

Dottie57 wrote:
Wed Apr 11, 2018 4:21 pm
Since OP is not married yet, couldn't a prenup be written and include not sharing of finances and that each individual is responsible for their own loans.
Maybe if they were private loans. Not for these ones. It’s based off how you file your tax returns.
by spdoublebass
Wed Apr 11, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

Although total accrual interests are like 10K now let say Ok. So my understanding, which I called on today, is that all interest and accrued interest must be paid before any money can go to the principal. So, if you are going to pay off the loan, you have to pay all that down first. It really comes...
by spdoublebass
Wed Apr 11, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

Spouses refusing to show income doesn't sound like "cannot reasonably access my spouse's income information" to me. I think that sentence is meant for people who are married but separated or something of the sort. Yeah it does. I do not have to show my wife how much I make. I do not have to agree t...
by spdoublebass
Wed Apr 11, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

Although total accrual interests are like 10K now let say Ok. So my understanding, which I called on today, is that all interest and accrued interest must be paid before any money can go to the principal. So, if you are going to pay off the loan, you have to pay all that down first. It really comes...
by spdoublebass
Wed Apr 11, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

Yeah, it doesn't really change much for us. We are a special case, most people it would be a bigger concern. Doesn't even change our tax bracket. I have family in the IRS so I asked a lot of questions about what is best for when your loan is forgiven. They said every case is different. If you've be...
by spdoublebass
Wed Apr 11, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

Married, but cannot reasonably access my spouse's income information - You will be treated as single. Right. That's what they said. Some spouse's refuse to share their returns. It's as simple as that. They didn't anticipate this being an issue I guess. I don't blame some people for doing that though.
by spdoublebass
Wed Apr 11, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

I had to decide between IBR and REPAYE. I chose IBR because 15% disposable of my income is cheaper than 10% of our joint, because my wife makes more than half of what I make. With IBR, have you done mock tax returns to compare your tax liability when you file separately vs. if you file jointly? Yea...
by spdoublebass
Wed Apr 11, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

I should also note, if you are on top of things, when your forgiveness comes and you owe the tax, if you have been filing separately, then they only come after the individual not the couple. So if you have a taxable account in your name, the IRS couldn't go after it, because you don't owe the money...
by spdoublebass
Wed Apr 11, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

I'm not the best person to give advice, but I do know a little about student loans. Why leave the plan? I would stay on it. Even if you only make the minimum payments for 25 years, then take the forgiveness, it's still a good deal. Your interest is capped at a certain point. You can see this in the...
by spdoublebass
Wed Apr 11, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?
Replies: 5
Views: 554

Re: Under the student loan forgiveness plan (PAYE), how do they decide each year what your income is?

As you compare married filing joint to married filing separate remember if you contributed to a Roth IRA you will be penalized if you file separate (if your AGI was over $10K). I just found this out the hard way. I’m filing doing this year then filing separate next year. I’ll do Roth conversions in...
by spdoublebass
Wed Apr 11, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1738

Re: Student Loan Repayment Plan

If the loan balance grows substantially due to accumulating interest, the tax bill owed at year 25 forgiveness could exceed the cost of repaying the loan on a normal payment plan. The tax bill in year 25 could be hundreds of thousands of dollars. This would be true if the student loan was private, ...