Search found 14 matches

by Sockeye
Thu Nov 09, 2017 1:51 am
Forum: Investing - Help with Personal Investments
Topic: Seeking the best asset to meet a combination of parameters
Replies: 13
Views: 1327

Re: Seeking the best asset to meet a combination of parameters

Mega, the Int bond funds would be for the tax-deferred account. Our correlation data do not match. I'd prefer yours were the ones that are correct. Mine is coming from Morningstar, linked here: https://admainnew.morningstar.com/webhelp/Advisor_Workstation_Office.htm#Practice/Plans/Correlation_Matrix...
by Sockeye
Wed Nov 08, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking the best asset to meet a combination of parameters
Replies: 13
Views: 1327

Re: Seeking the best asset to meet a combination of parameters

I'm not worried about the Int bonds beating the US bonds, so much as likely being about equal, while providing diversification from the US markets. Does that make sense? Not to me. If US bonds and international bonds both have very little correlation to US stocks, and about equal returns, what exac...
by Sockeye
Wed Nov 08, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Seeking the best asset to meet a combination of parameters
Replies: 13
Views: 1327

Re: Seeking the best asset to meet a combination of parameters

Emphatically no. If you meant stock funds in Int/ G/ EM? Then they have equity volatility-- you cannot compare them to bonds. They have a significant correlation with S&P 500 (say from 0.6 to 0.8, roughly; but 1.0 in a crisis). If you meant bonds then: - non US, investment grade, developed world bo...
by Sockeye
Wed Nov 08, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Seeking the best asset to meet a combination of parameters
Replies: 13
Views: 1327

Re: Seeking the best asset to meet a combination of parameters

After reading through the responses last night and doing a little more research, I think I have adjusted my strategy and am leaning towards #3. 3a) Invest the cash in a muni bond fund in my taxable account that will give me at least some growth on principal 3b) Reallocate some of my stock holdings i...
by Sockeye
Wed Nov 08, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Is short term tips etf appropriate for part of emergency fund?
Replies: 21
Views: 2195

Re: Is short term tips etf appropriate for part of emergency fund?

DBR wrote
"TIPS are corrected for inflation by the government adding an increment to the principal to offset inflation. "
So are you saying the performance numbers I see quoted (sites like Morningstar, etc.) for TIPS and TIPS funds are AFTER the US Gov has adjusted for inflation? Just to be clear.
by Sockeye
Tue Nov 07, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for paying off Mortgage.
Replies: 6
Views: 856

Re: Investment Advice for paying off Mortgage.

Hi Dojo, I echo Delamar and Art's comments. Art's point doesn't preclude you from putting it all in stocks and hoping for 10 years of 8%, you just shouldn't do it if the sole purpose is to make a 600k balloon payment in 10 years. If you are planning on 30 and have the pleasant option of dropping 600...
by Sockeye
Tue Nov 07, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 5151

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

Owning a house is one of the single most joyous and rewarding things you can do with your money, as long as you buy within your means. Start small, and if you can afford more, flip it. Or keep it as a rental and move up. Just stay disciplined and be aggressive about estimating ownership costs before...
by Sockeye
Tue Nov 07, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with $ Investment Strategy
Replies: 7
Views: 1048

Re: Need help with $ Investment Strategy

badbreath wrote: ↑
Tue Nov 07, 2017 6:29 pm
Tax wise yes, do not put bounds in your taxable as it is taxed in ordinary income. Put your bounds in your 401k.

www.bogleheads.org/wiki/Tax-efficient_fund_placement
Goodness, that is a rich link.
by Sockeye
Tue Nov 07, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is short term tips etf appropriate for part of emergency fund?
Replies: 21
Views: 2195

Re: Is short term tips etf appropriate for part of emergency fund?

Nisiprius wrote: I bonds are quite unique in what they do and you should make sure you understand them. I think they are perfect for an emergency fund once you've waited out the first year. Your comments on VTAPX are intriguing. One thing I can't understand about this (and other) some other bond fun...
by Sockeye
Tue Nov 07, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking the best asset to meet a combination of parameters
Replies: 13
Views: 1327

Re: Seeking the best asset to meet a combination of parameters

Thanks for the replies so far. I edited my OP just slightly to clarify that potentially "pouncing" is not limited to the market, but also to other good buy opportunities like real estate or business fractions. I've bought and held thru a couple of legit bear markets, so am aware of how tough it can ...
by Sockeye
Tue Nov 07, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is short term tips etf appropriate for part of emergency fund?
Replies: 21
Views: 2195

Re: Is short term tips etf appropriate for part of emergency fund?

I'm wrestling with the same question. As far as I can tell, the choices go something like this:

TIPS - bad tax efficiency, low growth, guaranteed inflation proofing
Muni bonds - good tax efficiency, modest growth, likely inflation proofing
by Sockeye
Tue Nov 07, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Seeking the best asset to meet a combination of parameters
Replies: 13
Views: 1327

Seeking the best asset to meet a combination of parameters

Hi All, First post here. For the short version, my basic question is what asset class meets the three objectives of market hedge, low tax exposure, and liquidity About me : Read Bogle's book a few years ago, and have been an active investor in no-load mutual funds since the last century :shock: . Ty...
by Sockeye
Tue Nov 07, 2017 12:59 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 237
Views: 199485

Re: Please Try Out Test Posts Here

Thanks. It appears the problem was that I needed to post once before having PM privileges.
by Sockeye
Mon Nov 06, 2017 8:48 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 237
Views: 199485

Re: Please Try Out Test Posts Here

Test. First time poster.

Still trying to figure out how to PM the Admins.