Search found 3048 matches

by heyyou
Sat Aug 18, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 23
Views: 1337

Re: Small cap tilt - value vs. growth

by spdoublebass » Fri Aug 17, 2018 8:07 pm I ........hold market weight.... but if I were going to tilt I would use the Extended Market index. I know it's not the point of the fund. I just sometimes feel so top heavy with the market weight numbers. My underlining of the above. I agree and my tilt i...
by heyyou
Tue Aug 14, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 3582

Re: How can I use the Rising Equity Glide Path?

David Zolt has previously proposed something very similar to the above. When using Bengen's SWR method, to avoid Sequence of Return Risk, permanently skip the next annual inflation boost after any year when the portfolio value has fallen. I wonder if that solution will only work on a high inflation ...
by heyyou
Mon Aug 13, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 3610

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

Someone (Shiller?) noted that those with good returns during their accumulation years, should expect to have lower returns in their retirement years, and vice versa. Avoid spending methods based on only the retirement day asset value. Spending a calculated percentage of the recent portfolio balance ...
by heyyou
Mon Aug 13, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 3582

Re: How can I use the Rising Equity Glide Path?

Almost on topic: McClung suggests starting with very near 50% in bond funds, then spending from only those bond funds, rebalancing when the equities have grown to 120% real (inflation adjusted) from retirement day, while 110% or 100% are only slightly less optimal rebalancing points. It is bond depl...
by heyyou
Tue Aug 07, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Thoughts on XSOE EM index fund
Replies: 3
Views: 279

Re: Thoughts on XSOE EM index fund

Short version: In general, a less risky EM fund is a niche product, and I no longer trust the marketing of a risky product that supposedly has less risk than its competitors. My opinion is that all of the other EM fund managers would be aware of those state ownership percentages and would buffer tha...
by heyyou
Mon Aug 06, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Those who retired and moved to another country, where did you go?
Replies: 12
Views: 3127

Re: Those who retired and moved to another country, where did you go?

I want to look at far western Panama where Puerto Armuelles has inexpensive Pacific beach properties, or the other side of the 11,000 foot volcano from Boquete (at 4500' elevation) where latitude and altitude combine to 70s temperatures, year 'round. It's the tropics, so the two seasons are wet and ...
by heyyou
Mon Aug 06, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4708

Re: Maui Hawaii Trip - How to save money?

Anywhere in Hawaii, my wife would rather eat yogurt topped with macadamia nuts (sometimes with shredded coconut) served in half of a cleaned, ripe papaya, than any cooked breakfast, either at our lodging, or in a restaurant where it is likely on the menu.
by heyyou
Mon Aug 06, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6404

Re: "Dollar Tree Store" favorites

Kappa brand Sudoku books windshield reflector made from bubble wrap, weight 1 oz., for supplemental sleeping warmth on backpacking trips their oil change pans used as bird and pet water dishes in the yard I know of a grandpa who takes his young g-kids there for them to shop, and let's each of them c...
by heyyou
Sun Aug 05, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4564

Re: Dear BH, what are non-BH actions you do?

My name is heyyou. I am a slice and dice portfolio owner, and I'm not even trying to give it up, in spite of the fund ERs.
In review, maybe I'm not a BH, just an imposter posting here.
by heyyou
Sun Aug 05, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4708

Re: Maui Hawaii Trip - How to save money?

Buy a used copy of the book titled Maui Revealed and study it before your trip, not just on the flight to there. Not quite on topic: Next time, go to Big Island by flying direct to Kona but mostly stay in Hilo (few direct flights to Hilo) for a less expensive but still very Hawaiian vacation. The to...
by heyyou
Sun Aug 05, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 18
Views: 2187

Re: Yogi said it. It must be true.

For many years, Yogi played for Casey Stengel who was known for his Stengelese aphorisms. Catchers and managers likely have closer relationships than some who play other positions on the field. http://www.baseball-almanac.com/quotes/quosteng.shtml My favorite: "I got players with bad watches - they ...
by heyyou
Sat Aug 04, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 8: Small-caps
Replies: 4
Views: 941

Re: Matter/scatter, part 8: Small-caps

Not a request for Nisi, but the real question is how much more VG small cap is needed to equal the returns of the higher cost DFA small cap fund? 5% more VG small cap vs. the DFA small cap in the stock portion, isn't much difference in a 60/40 allocation.
by heyyou
Thu Aug 02, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: How much does it matter, considering scatter? Part 1 of many: Introduction
Replies: 38
Views: 4351

Re: How much does it matter, considering scatter? Part 1 of many: Introduction

Consider using the differences to calculate how much extra savings per time unit would be needed by the person who chose the lower performing fund for the entire period. $100 per month would matter, but not $1-10 per month. My point being that both funds are very good for their intended purpose, it ...
by heyyou
Thu Aug 02, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: 4 reasons we overcomplicate investing - Allan Roth
Replies: 5
Views: 1325

Re: 4 reasons we overcomplicate investing - Allan Roth

I'm wary of what works well in accumulation, may not do as well with steady withdrawals. Note that Small Growth and cap-weighted Large Growth do not perform well solo in retirement spending portfolios.
by heyyou
Thu Aug 02, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2728

Re: If History says.... would you change 4% rule ?

The OP is interested in other methods than Bengen's 4% SWR. A few posts above, Fishing 50 has a link to Big ERN's site with good info. The Bogleheads wiki has this page: https://www.bogleheads.org/wiki/Safe_withdrawal_rates Follow the links far below the reviews to the authors' original papers. I li...
by heyyou
Wed Aug 01, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1554

Re: Older Camrys - Hybrid vs regular?

Our recent battery replacement was $3000+ on our 2006 Prius. The battery is from Napa and was a rebuilt one with some guarantee, no memory of the details. Slightly newer models came with better batteries, which is a consideration.
by heyyou
Tue Jul 31, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: newbie from taiwan
Replies: 9
Views: 1004

Re: newbie from taiwan

Welcome to the forum.
You are already being a good Boglehead by saving and investing in Vanguard funds.
We are glad you found us.
by heyyou
Tue Jul 31, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2728

Re: If History says.... would you change 4% rule ?

"Rule" implies that we have to follow it, so that's amusing. 4% real SWR was the best of the first ones, in 1994. There have been numerous newer analyses done since then. I think I'll go with the fresher methods, as well as the better cars and phones since the 1994 models, but others are welcome to ...
by heyyou
Tue Jul 31, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: So go the FAANG, so goes the market?
Replies: 41
Views: 4449

Re: So go the FAANG, so goes the market?

So go the FAANG, so goes the market?
If I cared where the stock market goes, I suppose that could matter.
by heyyou
Mon Jul 30, 2018 2:03 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11480

Re: Passive Index Investing, A Bubble Bound To Burst?

I’m not convinced that indexing is superior for international: https://www.portfoliovisualizer.com/bac ... ion3_3=100 EDIT: That’s 21 years, by the way. The big jump was only in 2017 as shown by the annual bar graphs, a jump after 20 years of gains similar to the others. argumentum ad absurdum woul...
by heyyou
Mon Jul 30, 2018 1:26 am
Forum: Investing - Help with Personal Investments
Topic: Firecalc Says No Benefit to a Higher Equity Asset Allocation??
Replies: 47
Views: 4504

Re: Firecalc Says No Benefit to a Higher Equity Asset Allocation??

..but if I'm nearing retirement and facing Sequence of Risk horizon, I think this is telling me that anything above 50/50 is foolish. On Sequence Risk: Starting retirement, spend from bond funds first. The 50/50 allocation has the most assets/longest spending period for that. Michael H. McClung the...
by heyyou
Sat Jul 28, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 14024

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

by Soul.in.Progress » Fri Mar 09, 2018 7:58 am
We do not, mainly for just keeping things simple and on cruise control. Index funds are good enough for me.
Me too. Perhaps there is wisdom in recognizing "good enough" since constantly seeking more or extra, often does not end well.
by heyyou
Sun Jul 22, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 33
Views: 6881

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

If and when we get around to it, on our first visit to Panama, we may try this tour business that emphasizes not buying real estate until you have lived there for 6-12 months (or never buying real estate), and the tour operator does not get commissions from the services that they do recommend, unlik...
by heyyou
Sat Jul 21, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 42
Views: 4080

Re: Index-ish fund that lacks FAANG?

At Vanguard, at each fund site, look for the list of the largest stocks owned by the fund. The sum of the individual percentages of the FAANG stocks could be a starting point for how much of the Large Growth sub-asset class to trim from a total market allocation. Precision is not available, nor impo...
by heyyou
Sat Jul 21, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 11
Views: 1308

Re: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

Back when I was trying to invest better and better, my best move turned out to be saving extra, more often and more often.
by heyyou
Thu Jul 19, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Heresy: Is It Worth Converting tIRAs to Roth?
Replies: 46
Views: 4551

Re: Heresy: Is It Worth Converting tIRAs to Roth?

For most, it is good to convert some when in a lower tax bracket prior to SS and RMD age. For you, the OP, not so much, since your retirement may not cause a reduction in your annual incomes. It is a good dilemma to have.
by heyyou
Thu Jul 19, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Prime Harvesting with a cash buffer?
Replies: 3
Views: 731

Re: Prime Harvesting with a cash buffer?

My opinion is to keep it as long as your spouse likes seeing it. Consider it as the low earning, inaccessible part of your fixed income allocation. To pretend you like it, don't mention it again until the January after both of you have started SS. Matrimonial peace is worth more than whatever higher...
by heyyou
Thu Jul 19, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Received a ESOP payout...what to do with it?
Replies: 8
Views: 976

Re: Received a ESOP payout...what to do with it?

Do what suits you while working. In retirement, Michael H. McClung suggests spending from a near 50% allocation to bonds, just to let the stock allocation grow longer. You rebalance from the equity side when it has grown to 120% of the retirement day amount, if it does. See how that carries a new re...
by heyyou
Wed Jul 18, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Options to lower my tax liability with RMD’s
Replies: 12
Views: 1985

Re: Options to lower my tax liability with RMD’s

At 68, waiting for 70 to start SS, I've just been winging it by making Roth conversions to at least the top of our tax bracket, since retirement. To me, reducing future taxes is delayed gratification. Even if I die early, my spouse will then have only half the deductions of a married couple at a tim...
by heyyou
Sat Jul 14, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Implementing Life-Cycle Financial Planning
Replies: 5
Views: 687

Re: Implementing Life-Cycle Financial Planning

Past the end of the article, there is a link to other Joe Tomlinson articles in the archives of the magazine. Some of them are of interest, and some not.
by heyyou
Sat Jul 14, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Investing Lessons from a Top Poker Player
Replies: 4
Views: 1221

Swedroe: Investing Lessons from a Top Poker Player

https://www.advisorperspectives.com/articles/2018/07/05/investing-lessons-from-a-top-poker-player A quote from the article in Advisor Perspectives: As Duke points out, once a belief becomes lodged, it becomes very difficult to dislodge. It takes on a life of its own, leading us to notice only evide...
by heyyou
Wed Jul 11, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 4042

Re: Dow 40000 prediction for 2025

Dow 40000 prediction for 2025
You lost me at "prediction."
I agree with
by david1082b »
...still basic baitclick.
by heyyou
Fri Jul 06, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33806

Re: What is/ was your career and would you recommend it now?

I drove a UPS package delivery van for 30 years. Not recommended for others, but it was the best I could do. From diligent saving, a frugal wife, and no kids, we retired at 55 to a tranquil life of no hurries.

[Post format fixed by admin LadyGeek]
by heyyou
Fri Jul 06, 2018 4:30 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18886

Re: Morningstar: prepare for a lost decade for U.S. stocks

from Morgan Housel:
One of my favorite ideas is that people should read more history and fewer forecasts. That’s not just true about business and investing topics, but for ourselves as well.
by heyyou
Fri Jul 06, 2018 2:44 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18886

Re: Morningstar: prepare for a lost decade for U.S. stocks

I suppose that we will just have to muddle through, same as before this forecast, and the one before it.
by heyyou
Fri Jul 06, 2018 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Tax-friendlier alternatives to Vanguard Extended Market?
Replies: 22
Views: 2042

Re: Tax-friendlier alternatives to Vanguard Extended Market?

Consider using the Morningstar Xray tool to see the combined mix of the two chosen funds compared with what exposure you do want. It doesn't have to be 50/50.
by heyyou
Thu Jul 05, 2018 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is McClung "slice and dice" worth the complication?
Replies: 42
Views: 3467

Re: Is McClung "slice and dice" worth the complication?

My question is, complexity aside, if you tend toward a "slice and dice" what do you think of essentially drastically lowering or even omitting the Large Cap category? The theory, if I am understanding it correctly, is that removing these two categories from this well-diversified portfolio results i...
by heyyou
Thu Jul 05, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: How to simplify Prime Harvest?
Replies: 5
Views: 1433

Re: How to simplify Prime Harvest?

Late response by a year and a half, but my suggestion is using the RMD denominator (or the reciprocal percentage) for each year, on the entire portfolio value as of the end of the previous year. That raises the WD rate a little each year, and uses the most recent portfolio value which avoids overspe...
by heyyou
Thu Jul 05, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 4064

Re: Anyone tilting heavy to international based on current forecasts?

Who knows? Who cares?
At 50/50 foreign and domestic, my returns will be good enough. I know better than for me to seek what looks like a more optimal allocation for the future.

For higher returns, try saving more.
by heyyou
Wed Jul 04, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2723

Re: If you tilt toward Small Cap Value, how much do you tilt?

10x10, slice and dice, across the equity portfolio
by heyyou
Tue Jul 03, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15702

Re: Retirement Destination - are you happy with your choice?

We sold the multi-story house in town, and moved to a small neighborhood a few miles from town, after we had a retirement sized house built there. Dear wife still has the same social circle, but it's now too far for me to enjoy walking to and from the grocery store. Somewhere in the Southeast, re-lo...
by heyyou
Tue Jul 03, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Advocating to not index
Replies: 28
Views: 3480

Re: Advocating to not index

As long as there are greedy people, indexing will not overly crowd stock market behavior. So far, so good, no end in sight.

Time for the Mark Twain quote, "Reports of my demise have been greatly exaggerated."
by heyyou
Mon Jul 02, 2018 1:47 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 52
Views: 7296

Re: Emerging Markets in Bear Territory

I feel like I've been catching a falling knife with VWO. I've been throwing money at it to keep my EM % of International in line. The last couple of weeks every time it's down 1-2% I throw a few hundred bucks at it, and it keeps on sliding down 1-2% regularly. Bummer. There I was, in the 1980s buyi...
by heyyou
Sat Jun 30, 2018 12:36 am
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 88
Views: 8405

Re: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]

Be wary of some who tout institutional fund fees of a few hundredths of a percent. My 401k provider did have those low fund fees on their in-house index funds, and bragged about them, while charging a .7% admin fee that was buried in a footnote, when it was seldom published. This was in a Fortune 50...
by heyyou
Fri Jun 29, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with emerging markets exposure
Replies: 2
Views: 325

Re: Help with emerging markets exposure

Whichever one you choose, the other will immediately do better, but that doesn't really matter. Either will serve as EM exposure over the next several decades, and that is all you need from the chosen fund. The dilemma is a good sign, of both being sufficient.
by heyyou
Fri Jun 29, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 52
Views: 7296

Re: Emerging Markets in Bear Territory

by letsgobobby » I had no idea and don't care. by jhfenton » Meh. It's what EM does. I've been investing in EM since 1998, when we opened our Roth IRAs. You have to accept the volatility and rebalance into and out of it. Thank you. From reading this thread, I was getting the idea that I was suppose...
by heyyou
Thu Jun 28, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11174

Re: Feel like I'm sinking money into international

Look at a chart named Callan Periodic Table. It uses colored squares to show 20 years of the relative performances of various sub-asset classes. The second link is the modified chart that shows the same squares positioned on both sides of zero which is an even better portrayal of the info. The messa...
by heyyou
Thu Jun 28, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6374

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

OP, what do the neighbors drive if their situation is like yours? When driving with the load of feed, are you on quiet county roads, or state highways where you need to go the speed limit? Is the weather such that an open trailer is not acceptable? Is the feed in bales or sacks? There are trailers m...
by heyyou
Wed Jun 27, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4684

Re: Is there a way to avoid bad companies in S&P 500?

<Growth Chart of S&P 500 Value vs S&P 500>
The difference looks impressive, but starting with $10K, for 24.5 years, the winner is $12.81 per week better than the other one, and that is without any compounding. Might be a good idea to choose either one, and just save as much as possible.
by heyyou
Sun Jun 24, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 52
Views: 6132

Re: So much angst

Patience is fullness. Consider not logging in to the the angst, instead take a walk where there are trees with birds discussing what they had for lunch, but don't eat what they did. Pretend you are one of the geezers here who has seen so much that you are inured to market fluctuations, knowing that ...