Search found 124 matches

by Culbretd
Tue Jun 16, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: How is Bridgewater's Pure Alpha Fund II doing since the coronavirus hit us?
Replies: 11
Views: 1181

Re: How is Bridgewater's Pure Alpha Fund II doing since the coronavirus hit us?

Not good, AUM in the last filing was <$140b, or down 15% from $163b. Ray Dalio commented publicly that they were positioned long and suffered for it. So the Wizard of Hedges got it wrong? to be fair I don't think people saw this virus coming out of left field and with so much misinformation there p...
by Culbretd
Wed May 27, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 27
Views: 2057

Re: Fractional Investing

M1Finance and BOA Merill both allow only citizens and permanent residents only. Fidelity and vanguard allows even visa holders if it matters. Iam happy with fidelity and vanguard :) BOA/Merrill Edge is now allowing fractional shares? I use ETFs at Merrill Edge and have been buying whole shares, did...
by Culbretd
Tue May 26, 2020 3:53 am
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 27
Views: 2057

Re: Fractional Investing

M1Finance and BOA Merill both allow only citizens and permanent residents only. Fidelity and vanguard allows even visa holders if it matters. Iam happy with fidelity and vanguard :) BOA/Merrill Edge is now allowing fractional shares? I use ETFs at Merrill Edge and have been buying whole shares, did...
by Culbretd
Sun May 03, 2020 6:16 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway is hammered
Replies: 60
Views: 12054

Re: Berkshire Hathaway is hammered

In today's world....I don't consider BRK any different than an actively managed large cap value MF. Interestingly.... it is down the identical amount YTD as the Vanguard LCV index fund. Both down about 17% through end of April. Big different is its a growth fund. (No dividends) Not sure why anyone ...
by Culbretd
Sun May 03, 2020 6:07 am
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11896

Re: When to sell low? Buffett sells entire airline stake

Berkshire has been divided up and run by portfolio managers for awhile now. Guys like T. Combs have been doing the buying.
by Culbretd
Fri May 01, 2020 8:48 pm
Forum: Investing - Theory, News & General
Topic: There's a first time for everything [Elon Musk says share price too high]
Replies: 15
Views: 2090

Re: There's a first time for everything

He is going [expletive removed by admin LadyGeek] crazy. He's going to sell everything (but not donate any of it, during an public health and economic crisis) because his right to go to a crowded movie theater is being infringed? Besides the SEC ramifications, he and other persons that will not be ...
by Culbretd
Fri Apr 17, 2020 8:09 am
Forum: Investing - Theory, News & General
Topic: Why does no one talk about mid cap tilt?
Replies: 16
Views: 1598

Re: Why does no one talk about mid cap tilt?

I inasvertently tilted my 401k towards mid cap (70/20/10), large/mid/small). I was trying to recreate total market cap. I hear a lot about large cap and small cap, but rarely about mid cap. Thoughts on this asset class? Its underperformed the sp500 for the last year (and probably beyond). Should i ...
by Culbretd
Fri Apr 17, 2020 7:47 am
Forum: Investing - Theory, News & General
Topic: Mr.Random Walk
Replies: 25
Views: 2768

Re: Mr.Random Walk

Burton Malkiel's Randon Walk book has been mentioned as one belonging in any Boglehead's library. Yesterday in Barron's interview, Mr.Malkiel said he is "worried" about the Total Bond Index Fund. I get what he's saying, on other hand think most Boglehead's view Total Bond as a long term hold, a bal...
by Culbretd
Thu Mar 19, 2020 5:03 am
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26135

Re: Where's Warren Buffett During This Crisis?

he's analytical and relies on data (often accounting data) and is probably waiting til he feels he has a better grasp on what is likeliest to happen. it might simply be too early for him to make a big move either way. i bet he's only been nibbling. I think this is correct. Somehow I don't envision ...
by Culbretd
Wed Mar 11, 2020 4:25 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Reacts to Stock Market Crash
Replies: 93
Views: 15287

Re: Dave Ramsey Reacts to Stock Market Crash

I tuned him out when he ranted against taxes but promoted 10% tithing to a church. If a person is poor and in debt (his audience) they are probably not paying much tax anyway and, well, .... I tithe 10% of everything I earn anonymously to many organizations including my church and it pays me back 1...
by Culbretd
Sat Dec 28, 2019 3:48 pm
Forum: Personal Investments
Topic: De-Risking. Drop International and Emerging?
Replies: 17
Views: 1553

Re: De-Risking. Drop International and Emerging?

Avid follower of the forum. Age 66, retirement next December 2020. Have enough. Want to de-risk some. 50/50 allocation all indexed. Should I replace International, Emerging, REIT with Total stock. S&P 18% MC/SC 7% REIT 10% Intl Developed 10% Emerging 5% Total Bond 25% Interm Treasuries 25% Someone ...
by Culbretd
Wed Dec 04, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8666

Re: Favorite stock(s) and why

Apple, google and SiriusXM were initially purchased 2007, 2008, and ~2004 respectively. Have added to Apple and SiriusXM along the way. I also like BRKB and United Healthcare (UNH). In addition to the above The only other individual stock I own now is Altria (MO) and that took a hit. Curious, at wh...
by Culbretd
Fri Nov 29, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: Yes, another International vs Domestic Thread
Replies: 212
Views: 10988

Re: Yes, another International vs Domestic Thread

midareff wrote: Fri Nov 29, 2019 8:49 am Personally, I've come over to the Bogle and Buffet side of things. I don't need to be any smarter than they are.
You know Warren Buffet owns several international stocks right?!
by Culbretd
Thu Nov 14, 2019 12:53 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16581

Re: Spend It All vs. Leave $$ for the Kids

Spend as much as you want, and leave the rest to charity. The problem with inheritances is that they create an unlevel playing field in society (which is unearned by the beneficiaries to the detriment of those that don't have the same). This is why I respect "new money" instead of "old money" peopl...
by Culbretd
Thu Nov 14, 2019 5:11 am
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16581

Re: Spend It All vs. Leave $$ for the Kids

I will be leaving some to my children as my parents wil be leaving some to me. Both my parents grew up dirt poor in the south and my dad (who is the smartest man I know) never made it past the 8th grade; he finally dropped out after his 3rd try. I remember growing up in old trailers and ratty clothe...
by Culbretd
Sat Nov 02, 2019 6:40 am
Forum: Personal Investments
Topic: 457Roth or Traditional Delimma AND checkup
Replies: 30
Views: 1261

Re: 457Roth or Traditional Delimma AND checkup

fortfun, are you saying it's not possible to specify that withdrawals post-retirement come from pre-tax assets only? My 457 is pretty new to the Roth possibility so there's not much language around it, so I'm curious about my own situation and wondering if I've missed a key protocol here. I was ass...
by Culbretd
Sat Nov 02, 2019 4:51 am
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 82
Views: 15200

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

. . . Researching Mel’s threads over the years I was surprised to see that Mel has had several good calls over the past couple of decades; not just touting mid caps but other asset classes. Certainly glad you are a poster here on Bogleheads.org Mel. Some of us pay close attention when we see your p...
by Culbretd
Thu Oct 31, 2019 4:33 am
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 82
Views: 15200

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

Love Mels Unloved Midcaps. I have 50% of my U.S. equities in mid caps and the other 50% in the S&P 500. I use the S&P 400 and the CRSP mid cap index in my wifes TIAA 401(a) account. I’ve been very pleased with the performance of midcaps. I see they still don’t get the respect they deserve though but...
by Culbretd
Wed Oct 30, 2019 5:39 am
Forum: Personal Investments
Topic: 457Roth or Traditional Delimma AND checkup
Replies: 30
Views: 1261

Re: 457Roth or Traditional Delimma AND checkup

fortfun, are you saying it's not possible to specify that withdrawals post-retirement come from pre-tax assets only? My 457 is pretty new to the Roth possibility so there's not much language around it, so I'm curious about my own situation and wondering if I've missed a key protocol here. I was ass...
by Culbretd
Sun Oct 06, 2019 1:18 pm
Forum: Personal Investments
Topic: SC teacher retirement help
Replies: 14
Views: 1724

Re: SC teacher retirement help

My wife is a state employee for a major university in S.C. She uses TIAA for her 401(a) and we chose vanguard for her 403(b) provider. It is an option, but it took some digging to get a list of all the 403(b) providers. If I remember correctly you have to use Empower Retirement for the 457 plan, wh...
by Culbretd
Sat Oct 05, 2019 7:11 pm
Forum: Personal Investments
Topic: SC teacher retirement help
Replies: 14
Views: 1724

Re: SC teacher retirement help

My wife is a state employee for a major university in S.C. She uses TIAA for her 401(a) and we chose vanguard for her 403(b) provider. It is an option, but it took some digging to get a list of all the 403(b) providers. If I remember correctly you have to use Empower Retirement for the 457 plan, whi...
by Culbretd
Sun Sep 29, 2019 4:48 pm
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 38
Views: 6224

Re: New Merrill Edge cash solutions (possibly?)

Other than cash equivalents are folks just buying vti according their aa to maintain the 100k in taxable? For those that just want to leave 100k in the account, my concern for having a substantial portion in a volatile equity index fund is what about large drops. Perhaps the fact that you have near...
by Culbretd
Sun Sep 29, 2019 11:34 am
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 38
Views: 6224

Re: New Merrill Edge cash solutions (possibly?)

I’m not sure about world wide atm reimbursements but once you reach platinum honors BoA will reimburse atm fees for you for using other ATM’s. I suspect that only applies to withdrawals from Bank of America accounts, not Merrill Edge accounts. I agree that the checking capabilities are not as flexi...
by Culbretd
Sun Sep 29, 2019 4:20 am
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 38
Views: 6224

Re: New Merrill Edge cash solutions (possibly?)

I’m not sure about world wide atm reimbursements but once you reach platinum honors BoA will reimburse atm fees for you for using other ATM’s.
by Culbretd
Fri Sep 27, 2019 5:39 pm
Forum: Personal Investments
Topic: *
Replies: 8
Views: 1022

Re: Small Cap Value Portfolio Review

I would at least hold different funds in the taxable vs roth accounts so I could tax lost harvest. Maybe all emerging markets in a roth account and all small cap value in taxable. Perhaps one roth account all. I don't tilt so I can't help you much I would at least make sure I could tax lost harvest ...
by Culbretd
Sun Sep 15, 2019 11:38 pm
Forum: Investing - Theory, News & General
Topic: S&P MidCap 400: Outperformance and Potential Applications
Replies: 22
Views: 3536

Re: S&P MidCap 400: Outperformance and Potential Applications

I have half of my U.S. equities in mid caps. Spilt between the S&P 400 and Mid cap value. I have enjoyed my mid cap performance too. I set this up several years again after reading about “Mels Unloved Mid Caps”.
by Culbretd
Thu Sep 12, 2019 3:43 am
Forum: Personal Investments
Topic: New Merrill Edge cash solutions (possibly?)
Replies: 38
Views: 6224

Re: New Merrill Edge cash solutions (possibly?)

So if one has $100,000 in cash which fund should they use? I'm a little confused trying to read that.
by Culbretd
Sat Jul 06, 2019 7:18 pm
Forum: Investing - Theory, News & General
Topic: No More Posts Of Larry Swedroe Essays [by Random Walker]
Replies: 64
Views: 7952

Re: No More Posts Of Larry Swedroe Essays

Wow... this sucks. I have learned a lot from reading his essays and I loved the post summaries you provided and the following discussions that ensued.

Just like in the real world this is the minority pushing their issues on the majority cuz it is what they want or feel should be.
by Culbretd
Sun Jun 09, 2019 6:20 am
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1382

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Check the underlying funds in the TIAA lifecycle fund. TIAA has 2 lifecycle funds but only one uses index funds while the other lifecycle fund is loaded with TIAA actively managed funds. If yours is the index version it should say so in the name ... example TIAA Lifecyle Index 2045 or so. My wifes ...
by Culbretd
Sun Jun 09, 2019 4:43 am
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1382

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Check the underlying funds in the TIAA lifecycle fund. TIAA has 2 lifecycle funds but only one uses index funds while the other lifecycle fund is loaded with TIAA actively managed funds. If yours is the index version it should say so in the name ... example TIAA Lifecyle Index 2045 or so. My wifes 4...
by Culbretd
Fri Jun 07, 2019 6:15 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 64
Views: 7582

Re: How is Merrill Edge?

softwaregeek wrote: Fri Jun 07, 2019 5:33 pm I should also add that for high dollar Merrill edge customers you can get a way under market mortgage.
Go on... We are looking to buy a house within a year or 2.
by Culbretd
Thu Jun 06, 2019 2:22 am
Forum: Personal Investments
Topic: TSP Loan for Real Estate Investment
Replies: 18
Views: 862

Re: TSP Loan for Real Estate Investment

Don't do anything with partners especially with real estate. Why not? Been there done that. What is one of you guys wants to sell because some life events happens and you now need money. Who will be collecting the rent money every month and be responsible for spitting the money between you guys. Tw...
by Culbretd
Wed Jun 05, 2019 4:57 pm
Forum: Personal Investments
Topic: TSP Loan for Real Estate Investment
Replies: 18
Views: 862

Re: TSP Loan for Real Estate Investment

Don't do anything with partners especially with real estate.
by Culbretd
Sat May 25, 2019 7:15 am
Forum: Personal Investments
Topic: 457b or Brokerage?
Replies: 23
Views: 1331

Re: 457b or Brokerage?

Use the 457 account
by Culbretd
Tue May 21, 2019 5:46 am
Forum: Investing - Theory, News & General
Topic: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
Replies: 74
Views: 10114

Re: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?

This is the first time I've seen the view that mid aps outperform, is there a link to the original thread? Curious about this, but isn't it similar to stock picking instead of just holding whole market? Also if mid caps perform well don't they just become large caps and drop out of the index? And a...
by Culbretd
Mon May 20, 2019 4:10 pm
Forum: Personal Investments
Topic: MidCap Tax Efficient ?
Replies: 5
Views: 758

Re: MidCap Tax Efficient ?

Vanguard ETFs are pretty tax efficient. I hold midcaps in my taxable and have been very pleased with them.
by Culbretd
Thu May 09, 2019 3:37 am
Forum: Personal Investments
Topic: Small Cap vs Mid Cap for long term holding?
Replies: 10
Views: 2210

Re: Small Cap vs Mid Cap for long term holding?

Search the board for Mel’s Unloved Mid caps. I tilt toward mid caps. Mid caps have paid off handsomely too. Dropped all my small caps and went with mid caps. S&P 400 Nice, what’s your large cap to mid cap allocation ratios? I am 50/50 for US domestic stocks. Half is s&p 500 and the other half is s&...
by Culbretd
Wed May 08, 2019 2:15 am
Forum: Personal Investments
Topic: Small Cap vs Mid Cap for long term holding?
Replies: 10
Views: 2210

Re: Small Cap vs Mid Cap for long term holding?

Search the board for Mel’s Unloved Mid caps.

I tilt toward mid caps. Mid caps have paid off handsomely too. Dropped all my small caps and went with mid caps. S&P 400
by Culbretd
Wed Apr 24, 2019 5:10 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 18781

Re: Dump international?

I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of thr...
by Culbretd
Wed Apr 24, 2019 5:06 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 18781

Re: Dump international?

I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of thr...
by Culbretd
Wed Apr 24, 2019 3:06 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 18781

Re: Dump international?

I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of thr...
by Culbretd
Wed Apr 24, 2019 2:55 pm
Forum: Personal Investments
Topic: Russell 1000 Growth as Core holding?
Replies: 5
Views: 762

Re: Russell 1000 Growth as Core holding?

Thanks oldcomputerguy. Are there any other thoughts to using the Russell 1000 Growth index as a core holding? I would not do it. What happens when growth is out of favor again and value is back on top. You can tilt to growth if you want but the s&p 500 index needs to be your core. Don't sleep on th...
by Culbretd
Thu Apr 18, 2019 1:28 pm
Forum: Personal Investments
Topic: Roth or Traditional 457B with Pension
Replies: 20
Views: 1507

Re: Roth or Traditional 457B with Pension

I'm in a similar situation. One thing to keep in mind that I just found out yesterday is with Roth 457b you can't draw off of earnings before 59.5 without being penalized. So if you were looking to bridge between 55 and 59.5 then traditional would be the way to go. Or split between the two. Don't b...
by Culbretd
Wed Mar 20, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Three-Fund Portfolio (2nd Grader's) vs S&P 500
Replies: 39
Views: 5081

Re: Three-Fund Portfolio (2nd Grader's) vs S&P 500

Buffett started out with nothing, becomes a multi billionaire through investing and recommends Vanguard's S&P 500. You need to decide if his investing style is for you. Buffet did not start out with nothing. Where did you get that info? Edit: Well maybe I'm wrong. He was operating a pinball machine...
by Culbretd
Wed Mar 13, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Mid Cap Index instead of Total Stock Market in Portfolio
Replies: 50
Views: 5118

Re: Mid Cap Index instead of Total Stock Market in Portfolio

If you believe in Mid caps I would just overweight them. After reading and googling Mel’s Unloved Midcaps I decided to tilt heavily toward them myself. Still have my S&p 500 fund though. Also why did you pick the CRSP index over the S&p 400 index. Make sure you know the difference in the market capi...
by Culbretd
Mon Mar 04, 2019 6:21 pm
Forum: Personal Investments
Topic: Is the VALIC 403b any good?
Replies: 28
Views: 3570

Re: Is the VALIC 403b any good?

My wife has SC 457 plan and we are 100% VIIIX in it. Pick and dont look back. Same performance as the total market index.
by Culbretd
Mon Feb 25, 2019 4:10 am
Forum: Personal Investments
Topic: VTSAX at Merrill Edge
Replies: 47
Views: 9679

Re: VTSAX at Merrill Edge

and now the few I checked just now have transaction fees :( . Includes VTSAX, it now has a fee . I checked the other week and VSTAX was a No Transaction fee in my Merrill Edge Account. This was just in my CMA Brokerage account with Merrill Edge. I just checked mine: Quantity: $3,000.00 Dividend Rei...
by Culbretd
Mon Feb 25, 2019 12:35 am
Forum: Personal Investments
Topic: VTSAX at Merrill Edge
Replies: 47
Views: 9679

Re: VTSAX at Merrill Edge

NMBob wrote: Sun Feb 24, 2019 11:47 pm and now the few I checked just now have transaction fees :( . Includes VTSAX, it now has a fee .
I checked the other week and VSTAX was a No Transaction fee in my Merrill Edge Account. This was just in my CMA Brokerage account with Merrill Edge.
by Culbretd
Thu Jan 17, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Wrong about international bonds?
Replies: 26
Views: 3644

Re: Wrong about international bonds?

Bogle and Buffett both agreed there is no reason to have international stocks in our portfolio. BH wiki mentions diversification is one of the reasons to hold international stocks in the three-fund portfolio. Along that theory, have some international bonds for diversification. Buffett owns several...