Search found 2237 matches

by HEDGEFUNDIE
Sat Apr 20, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 211
Views: 16718

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Not to mention the daily cash settlement which means you will have constant cash drag. Not sure what you mean here. If I have $100 invested in SPY, and it goes up 1% today, I now have $101. If tomorrow it goes up another 1%, now I have have $102.01 If I own an S&P emini, and the underlying index go...
by HEDGEFUNDIE
Fri Apr 19, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 47
Views: 2718

Re: American Funds vs Vanguard

Paisley wrote:
Fri Apr 19, 2019 9:24 pm
Isn't it true that Growth Fund of America has held up very well against index funds?
Man, what a great fund
by HEDGEFUNDIE
Fri Apr 19, 2019 11:01 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 211
Views: 16718

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

whoever wrote:
Fri Apr 19, 2019 4:41 pm
How would you rebalance with just future contracts? With one /ZF contract it isn't easy.
Not to mention the daily cash settlement which means you will have constant cash drag.

Futures = 👎🏻😝
by HEDGEFUNDIE
Fri Apr 19, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 47
Views: 2718

Re: American Funds vs Vanguard

Europacific Growth Fund has destroyed Vanguard Total International since inception. Can't believe people drove past this but this fund is 16/26/48 on the top line and VTIAX is 26/26/23. Growth has done well the last ten years, these two funds are apples to oranges. Much in the same way Merriman and...
by HEDGEFUNDIE
Fri Apr 19, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Q: Aetna + GoodRx. Will Aetna count it toward your deductible?
Replies: 7
Views: 484

Re: Q: Aetna + GoodRx. Will Aetna count it toward your deductible?

How does Good Rx work? Why is the price lower than otherwise? How does Good Rx make any money? It's not insurance. What is it? https://support.goodrx.com/hc/en-us/articles/360001302523-How-does-GoodRx-make-money- Thanks. That is interesting. However, it does not explain how they can have prices so ...
by HEDGEFUNDIE
Fri Apr 19, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 47
Views: 2718

Re: American Funds vs Vanguard

Europacific Growth Fund has destroyed Vanguard Total International since inception. Can't believe people drove past this but this fund is 16/26/48 on the top line and VTIAX is 26/26/23. Growth has done well the last ten years, these two funds are apples to oranges. Much in the same way Merriman and...
by HEDGEFUNDIE
Fri Apr 19, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Q: Aetna + GoodRx. Will Aetna count it toward your deductible?
Replies: 7
Views: 484

Re: Q: Aetna + GoodRx. Will Aetna count it toward your deductible?

sport wrote:
Fri Apr 19, 2019 12:34 pm
How does Good Rx work? Why is the price lower than otherwise? How does Good Rx make any money? It's not insurance. What is it?
https://support.goodrx.com/hc/en-us/art ... ake-money-
by HEDGEFUNDIE
Fri Apr 19, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 52
Views: 2295

Re: College admission inputs - Purdue vs local SJSU vs others

In your post you refer to Purdue, but then in one place you say he has been accepted to Purdue Polytechnic. Those are two very different things. Which has he been accepted to? Purdue University has a top 10 Engineering program, and i would seriously consider that as an option relative to SJSU. Give...
by HEDGEFUNDIE
Fri Apr 19, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 47
Views: 2718

Re: American Funds vs Vanguard

Europacific Growth Fund has destroyed Vanguard Total International since inception. Can't believe people drove past this but this fund is 16/26/48 on the top line and VTIAX is 26/26/23. Growth has done well the last ten years, these two funds are apples to oranges. Much in the same way Merriman and...
by HEDGEFUNDIE
Fri Apr 19, 2019 3:26 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 79
Views: 5870

Re: Thinking about selling stocks near all time highs

I am thinking about selling some stock ETFs after one of the strongest gains in the stock market since christmas 2018. I know that this slope that we're on cannot continue and has never historically continued at this rate, so a correction is inevitable. We're on pace for nearly a 60% return for the...
by HEDGEFUNDIE
Thu Apr 18, 2019 8:04 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 47
Views: 2718

Re: American Funds vs Vanguard

Europacific Growth Fund has destroyed Vanguard Total International since inception.
by HEDGEFUNDIE
Wed Apr 17, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: How does Alliant Credit Union make money on their Credit Card?
Replies: 23
Views: 2180

Re: How does Alliant Credit Union make money on their Credit Card?

I just received the email notifying me about the yearly fee increase - from $59 to $99/year. Is this still the best cash back card for me? I don't want to mess around playing games with different categories each quarter. I pulled my transactions from last year, and I averaged about $3725/month, or ...
by HEDGEFUNDIE
Wed Apr 17, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 91
Views: 7259

Re: Job Offer Evaluation - FANG

What title did they offer you? 10 days PTO sounds oddly low for a FANG. I can rule out Netflix and Amazon based on the RSU package. That leaves Facebook and Google, neither of which has a PTO policy that anemic for FTEs. Is this an offer for a software engineer position? If so it sounds on the low ...
by HEDGEFUNDIE
Tue Apr 16, 2019 11:04 pm
Forum: Personal Investments
Topic: Lost my job. How to move money from 401k
Replies: 3
Views: 702

Re: Lost my job. How to move money from 401k

misterno wrote:
Tue Apr 16, 2019 9:55 pm
So I called csr and they said those fees were there from day 1.

I was shocked to learn that I was paying 5 cents for every thousand dollars or something like that.
How did you imagine that CSR gets paid to take your call?
by HEDGEFUNDIE
Tue Apr 16, 2019 10:56 pm
Forum: Personal Investments
Topic: Allocating more to tax advantaged accounts for STRIPs?
Replies: 6
Views: 544

Re: Allocating more to tax advantaged accounts for STRIPs?

AskingBH wrote:
Tue Apr 16, 2019 8:59 pm
Even if a better investment opportunity arises that just means you could have made more
Which is a cost that you should be subtracting from your “guaranteed” return.
by HEDGEFUNDIE
Mon Apr 15, 2019 8:55 pm
Forum: Personal Investments
Topic: Allocating more to tax advantaged accounts for STRIPs?
Replies: 6
Views: 544

Re: Allocating more to tax advantaged accounts for STRIPs?

AskingBH wrote:
Mon Apr 15, 2019 8:13 pm
An actual zero held to maturity guarantees return of principal with interest.
Not if you count opportunity costs, which you should.
by HEDGEFUNDIE
Mon Apr 15, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 76
Views: 9505

Re: Do not use Personal Capital

What exactly is the issue here?

Of course they have visibility into your accounts, how else would the advisor provide you with advice?
by HEDGEFUNDIE
Mon Apr 15, 2019 5:12 pm
Forum: Personal Investments
Topic: Wellesley Income fund Admiral
Replies: 17
Views: 2587

Re: Wellesley Income fund Admiral

1) Why do you hold a highly tax-inefficient fund in a taxable account? Let’s say I had some money to park in taxable and didn’t want to expose myself to 100% equity risk. Wellesley after-tax returns still beat money market, at much lower risk than VTSAX. There's already another thread going on abou...
by HEDGEFUNDIE
Mon Apr 15, 2019 10:04 am
Forum: Personal Investments
Topic: Wellesley Income fund Admiral
Replies: 17
Views: 2587

Re: Wellesley Income fund Admiral

Admiral wrote:
Mon Apr 15, 2019 9:58 am
1) Why do you hold a highly tax-inefficient fund in a taxable account?
Let’s say I had some money to park in taxable and didn’t want to expose myself to 100% equity risk.

Wellesley after-tax returns still beat money market, at much lower risk than VTSAX.
by HEDGEFUNDIE
Mon Apr 15, 2019 12:59 am
Forum: Personal Investments
Topic: Allocating more to tax advantaged accounts for STRIPs?
Replies: 6
Views: 544

Re: Allocating more to tax advantaged accounts for STRIPs?

What is your Federal tax bracket? It is true that you should try your best to avoid holding these in taxable if you can, but if you can’t, it’s not the end of the world. Vanguard says the tax cost of holding EDV in taxable since inception is 2% CAGR per year, which is a lot, but this assumes your in...
by HEDGEFUNDIE
Mon Apr 15, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 90
Views: 6410

Re: Luxury car recommendations?

Recommend you consider a German CPO. I bought a 2015 BMW 5 series in 2017 for only $35k. Still runs great 20k miles later. All maintenance still covered.
by HEDGEFUNDIE
Sun Apr 14, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12244

Re: Can I semi-retire now?

cowdogman wrote:
Sun Apr 14, 2019 11:24 am
[Why would somebody want to stop working at a relatively young age?
Because it's work, that's why.
by HEDGEFUNDIE
Sun Apr 14, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: Equity valuation and not caring
Replies: 50
Views: 3007

Re: Equity valuation and not caring

If you had invested a lump sum in stocks at the very top of the dotcom boom in 2000 (i.e. ridiculously high valuations), you would have experienced 5.7% CAGR through the past 19 years. I've just had a look on moneychimp, and with dividends reinvested and adjustment for inflation they say the CAGR w...
by HEDGEFUNDIE
Sat Apr 13, 2019 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12244

Re: Can I semi-retire now?

As a man, I can't fathom putting my family (young children) in a risky financial situation when I have the means to provide so well (as the OP) for them. Young families face innumerable challenges to launching productive, independent adults. What happens if the wife gets M.S. and can't work while n...
by HEDGEFUNDIE
Sat Apr 13, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12244

Re: Can I semi-retire now?

There is a trend taking place whereby: 1) healthy, able bodied, smart young men decide to stop working or semi-work while sending their wives to work full time. Is it really a surprise that healthy, able-bodied, smart young men might actually want to use their health, intelligence, and youth to do ...
by HEDGEFUNDIE
Sat Apr 13, 2019 2:30 pm
Forum: Personal Investments
Topic: Is it worth it to donate appreciated shares when retirement is far off?
Replies: 25
Views: 1592

Re: Is it worth it to donate appreciated shares when retirement is far off?

If one were to open a new DAF, would it would make sense to delay funding it until later in the year, under the assumption that your shares will be higher by then and granting you a larger tax deduction?
by HEDGEFUNDIE
Sat Apr 13, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for 30 y/o in software sales
Replies: 16
Views: 1637

Re: Career advise for 30 y/o in software sales

That's ultimately what I'd like to do in the longer term, but I think it's important to get a few more years of direct quota carrying experience under my belt first. My goal would be if I can be successful here, that I'd be able to find a managerial role after 3-5 years, either at SFDC or otherwise...
by HEDGEFUNDIE
Sat Apr 13, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: 700 Years of Falling Interest Rates, 1310-2018
Replies: 56
Views: 5941

Re: 700 Years of Falling Interest Rates, 1310-2018

Italy 80% of economy in 1400 ?? Make sense, it was when the Vatican’s power was at its height. Age of the Medicis, Machiavelli, etc. Overall, this trend is why in 10-20 years the bond recommendation for the three fund portfolio will become long term Treasuries instead of total bond market. You hear...
by HEDGEFUNDIE
Fri Apr 12, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 12244

Re: Can I semi-retire now?

Do it, do it now.

If you have Bogleheads telling you that it is on the edge of working / not working, then you should rest assured that you can absolutely retire.

I salute you for being one of the silent majority in the Bay Area not working in tech and making mid-six figures.
by HEDGEFUNDIE
Fri Apr 12, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for 30 y/o in software sales
Replies: 16
Views: 1637

Re: Career advice for 30 y/o in software sales

Do it. [company name --admin LadyGeek] is ubiquitous and you will gain credibility to work basically anywhere you want in tech afterwards.
by HEDGEFUNDIE
Fri Apr 12, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 2651

Re: Holding LT Treasury bonds in high equity portfolio with flat yield curve

Funny, I thought the exact opposite. With a flat yield curve, I thought I should go longer so I don't end up holding bonds paying paltry rates in a couple years when rates fall again. Realize half the people in the market see it one way and half the people see it the other way for prices to be wher...
by HEDGEFUNDIE
Fri Apr 12, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: Equity valuation and not caring
Replies: 50
Views: 3007

Re: Equity valuation and not caring

If you had invested a lump sum in stocks at the very top of the dotcom boom in 2000 (i.e. ridiculously high valuations), you would have experienced 5.7% CAGR through the past 19 years.

That should give you some comfort.
by HEDGEFUNDIE
Fri Apr 12, 2019 12:44 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 1601
Views: 97513

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

First post here on bogleheads.org and got really inspired by this thread. The fact that the HEDGEFUNDIE's proposal stood the test of pros and cons dissection/analysis from 1000+ postings from one of the most well-informed investment troopers adds to the validity of the proposal. I am convinced thro...
by HEDGEFUNDIE
Thu Apr 11, 2019 10:27 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 335
Views: 57465

Re: Selling all equities, discuss why I'm wrong. :)

Also been on this forum less as this is not the place to discuss these 'investment' options Market timing, leverage and other such strategies have been in vogue on this forum in the past few months. You’re welcome. I hope your thread works for you and your approach. If nothing else nobody can say y...
by HEDGEFUNDIE
Thu Apr 11, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $1mil home?
Replies: 37
Views: 4520

Re: Can we afford a $1mil home?

And yes, I agree we could easily move and afford a house somewhere else, but we wouldn't make anywhere near the income we make here. We moved from NYC two years ago and have significantly increased our income. We have some other reasons to stay in this area for now as well. (not for the OP, so much...
by HEDGEFUNDIE
Thu Apr 11, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $1mil home?
Replies: 37
Views: 4520

Re: Can we afford a $1mil home?

It looks like the PITI for a $1M home with a 20% down payment is a very reasonable fraction of your income. You will have to judge how secure that income is. Wife and I bought a $900K home in the Bay Area in 2012. That was a bit of a pill to swallow, having moved from out of the area. Today it is w...
by HEDGEFUNDIE
Thu Apr 11, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 1623

Re: router internet parental controls

None of these LAN filtering ideas will work for devices connected to cellular data...
by HEDGEFUNDIE
Wed Apr 10, 2019 9:50 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2585

Re: Resident Doctor... trying to maximize income

Where do you live OP?
by HEDGEFUNDIE
Wed Apr 10, 2019 9:30 pm
Forum: Personal Investments
Topic: High Federal Taxes this year: Tips on reducing taxes, particularly of short-term investments
Replies: 52
Views: 3571

Re: High Federal Taxes this year: Tips on reducing taxes, particularly of short-term investments

$17.5K is what I owe. $76.7K is what I have to be paying (box 15 of form 1040), and the remaining of it is what I paid in taxes during last year. I'm surprised almost half of topic contributors got stuck here. Truly amazing. I must be in the wrong forum. You were ambiguous on this point in your OP....
by HEDGEFUNDIE
Wed Apr 10, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 2651

Re: Holding LT Treasury bonds in high equity portfolio with flat yield curve

I don’t hold LTT for the yield.

I hold them for the uncorrelation with stocks: viewtopic.php?f=10&t=276568&p=4452080&h ... x#p4452080

So no change for me.
by HEDGEFUNDIE
Tue Apr 09, 2019 9:46 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 335
Views: 57465

Re: Selling all equities, discuss why I'm wrong. :)

zaboomafoozarg wrote:
Tue Apr 09, 2019 9:45 pm
Calais wrote:
Tue Apr 09, 2019 1:12 pm
Also been on this forum less as this is not the place to discuss these 'investment' options
Market timing, leverage and other such strategies have been in vogue on this forum in the past few months.
You’re welcome.
by HEDGEFUNDIE
Tue Apr 09, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17348

Re: Bogleheads, why wont anyone hire me?

Id love to go back to school for an MBA, but honestly that would be extremely silly. Why would it be silly? If you can get into a good program it is a great way to jump start a career. You can develop relationships with high caliber people and recruit with top firms. A person who’s only done factor...
by HEDGEFUNDIE
Tue Apr 09, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17348

Re: Bogleheads, why wont anyone hire me?

I find it hard to believe many of your coworkers have college degrees as well.

Talk to the boss. Tell him you want to work in management. See where it goes from there.
by HEDGEFUNDIE
Tue Apr 09, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17993

Re: Wife hates new job...wants to quit after 1 day

I’m pretty sure no one has ever given their current boss as a reference for a new job. How else would you do it? I've had the same boss for 8 years, right out of school, and all of my relevant work experience has been in this same company. Pretty sure I'm not the only one in such a situation, lots ...
by HEDGEFUNDIE
Tue Apr 09, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17993

Re: Wife hates new job...wants to quit after 1 day

Know of people who started new jobs without resigning from their current job. They scheduled PTO time at their current employer to try out the new job. If the new job didn’t seem right, they simply returned to their current job after the scheduled PTO. This is almost definitely a violation of compa...
by HEDGEFUNDIE
Tue Apr 09, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17993

Re: Wife hates new job...wants to quit after 1 day

Know of people who started new jobs without resigning from their current job. They scheduled PTO time at their current employer to try out the new job. If the new job didn’t seem right, they simply returned to their current job after the scheduled PTO. This is almost definitely a violation of compa...
by HEDGEFUNDIE
Tue Apr 09, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17993

Re: Wife hates new job...wants to quit after 1 day

I would consider having to tell future employers "yes, I was terminated from company X because they found out I misrepresented something during the hiring process" to be somewhat contrary to the idea that "only the upside matters" Why on Earth would you tell them that? It's unreal how people in thi...
by HEDGEFUNDIE
Tue Apr 09, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17993

Re: Wife hates new job...wants to quit after 1 day

we're talking about jobs in the same professional field here, so it's obviously relevant. That type of exclusion (arguably misrepresentation) can lead to not being hired (without the opportunity to explain oneself), or to a very awkward conversation (or termination) after being hired. And? "You mig...
by HEDGEFUNDIE
Tue Apr 09, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17993

Re: Wife hates new job...wants to quit after 1 day

Has anyone here actually worked for a MegaCorp? What is being described here is what I would expect from a 100 person startup, not anywhere that could be properly described as a “MegaCorp”. The point of working for a MegaCorp is established processes and formal lines of reporting. Take advantage of ...
by HEDGEFUNDIE
Mon Apr 08, 2019 11:52 pm
Forum: Personal Investments
Topic: best 529 plan for california residents
Replies: 6
Views: 695

Re: best 529 plan for california residents

MMLC3 wrote:
Mon Apr 08, 2019 9:08 pm
No real advantage going with CA.
Incorrect.
majiaknight wrote:
Mon Apr 08, 2019 10:25 pm
check the CA 529 ScholarShare's index funds which had the lowest ER compared w/ others
Correct.