Search found 67 matches

by saintsfan342000
Thu Oct 24, 2019 9:27 pm
Forum: Personal Investments
Topic: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.
Replies: 93
Views: 10824

Re: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.

His reasons go up to 11.

Nonsense otherwise.
by saintsfan342000
Mon Oct 21, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 10314

Re: Investing for the "great sag" - Dalio

Random Musings wrote:
Sat Oct 19, 2019 11:45 pm
Perhaps a portfolio diversified with manssieres would provide support against the great sag?
Boglehead Hall of Fame post right there.
by saintsfan342000
Wed Oct 02, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value is now just anti-technology
Replies: 30
Views: 2837

Re: Small Cap Value is now just anti-technology

VBR's two largest holdings are Atmos Energy (utility) and Ledios Holdings (defense/medical research). Other notables in the top 25 are some Semiconductor companies, and Teradyne (test equipment). Doesn't sound anti-tech to me.
by saintsfan342000
Mon Sep 02, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: Bad time to buy total bond?
Replies: 32
Views: 4649

Re: Bad time to buy total bond?

billthecat wrote:
Sat Aug 31, 2019 6:15 pm
Or nobody knows nothing so just stay the course, buying the total bond funds?
Isn't this always the answer?
by saintsfan342000
Mon Sep 02, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: Japan and PE Ratio
Replies: 45
Views: 3671

Re: Japan and PE Ratio

The folks at A Wealth of Common Sense weighed in on this topic recently. Their conclusion is that, even with last decade being as great as it's been here in the US, we're still far behind where Japan was before its bubble popped.
by saintsfan342000
Tue Aug 27, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15291

Re: Best of Bogleheads - your #1 takeaway

mortfree wrote:
Tue Aug 27, 2019 7:56 pm
The story about Bob investing only at market highs.
Nice. That’s certainly the most reassuring thing I’ve learned here.

My #1 thing is this idea that all you need to do is pick something reasonable to invest in and play the long game. And put it in writing.
by saintsfan342000
Tue Aug 20, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123369

Re: US Stocks in Free Fall thread

Someone should start a "Markets are perpetually stagnant" thread to be bumped anytime markets move less than .01%.
by saintsfan342000
Thu Jun 13, 2019 5:47 am
Forum: Personal Investments
Topic: Paul Merriman UBH vs Vanguard Mkt Cap model
Replies: 22
Views: 2144

Re: Paul Merriman UBH vs Vanguard Mkt Cap model

UBH is ridiculous, IMO, because it's comprised of eight to ten different equity funds ! Add on 2-3 more funds for fixed income. That's way more than "a little more" complexity. If you want to tilt, add some Vanguard small value (VSIAX) and International small (VFSAX) to what you're already doing.
by saintsfan342000
Wed Jun 12, 2019 6:56 am
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 9653

Re: What financial information do you wish was more commonly known?

How easy it is to invest when you invest in index mutual funds. The word "investing" is so heavily connected to "stock picking" that it intimidates a lot of people from every bothering (myself included for much of my early 20s).
by saintsfan342000
Wed May 08, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 2226

Re: TD Ameritrade Expanding List of Commission-Free ETFs

Mostly factor and boutique ETFs (and expensive at that, I'd bet). My HSA is at TDA; I think I'll stick with AOA (iShares 80/20 allocation fund).
by saintsfan342000
Sun May 05, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: Dollar cost buying into 30+ CAPE markets
Replies: 44
Views: 2764

Re: Dollar cost buying into 30+ CAPE markets

Remember: The market is usually at an all-time high. This isn't a new phenomenon.
https://www.whitecoatinvestor.com/shoul ... ime-highs/
by saintsfan342000
Fri May 03, 2019 6:58 am
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt VWITX makes no sense?
Replies: 43
Views: 4810

Re: Vanguard Intermediate-Term Tax-Exempt VWITX makes no sense?

I never quite understood how this TEY calculation works going forward. All we can do is look at current and past yields and out current and past tax brackets, and guess what they'll be in the future. How do we know the current yield-spread between the two will persist going forward?
by saintsfan342000
Thu May 02, 2019 7:39 am
Forum: Personal Investments
Topic: Best investment in HSA
Replies: 19
Views: 1449

Re: Best investment in HSA

I went with a one-fund solution: AOA (iShares aggressive allocation ETF, not unlike a Vanguard LifeStrategy). This is my first year with an HSA, my choice of commission-free investments was limited, and more than anything I just didn't want to have yet another account to think about. So it's on auto...
by saintsfan342000
Sat Apr 13, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: For those who were wondering what really happened...
Replies: 19
Views: 8612

Re: For those who were wondering what really happened...

Very cool, and congratulations. May I ask: How did you arrive at $450/hour, and in general how could newcomers judge whether someone is charging a fair hourly rate?
by saintsfan342000
Thu Apr 04, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 7320

Re: FIDO Zero Funds losing to Vanguard?

Can we please but a ban on all threads about the performance and superiority/inferiority of Fidelity Zero funds until 2023? Trying to draw any such conclusion from such a limited data set is ridiculous and not actionable.
by saintsfan342000
Thu Mar 21, 2019 6:38 am
Forum: Investing - Theory, News & General
Topic: exotic ETFs
Replies: 16
Views: 1198

Re: exotic ETFs

Maybe this isn’t such a crazy sector bet? Who knows... No, it's crazy, and I bet it won't exist five years from now. I read that the filing for the first negative-fee ETF has been submitted. That seems pretty absurd, especially since that's just a promotional, introductory ER, and it will increase ...
by saintsfan342000
Mon Mar 18, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: 15 Year Case Study - 100% VTSAX
Replies: 14
Views: 2405

Re: 15 Year Case Study - 100% VTSAX

Congratulations. You're adopting #2 on WCI's list of 150 portfolios better than mine.
by saintsfan342000
Thu Mar 14, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Mid Cap Index instead of Total Stock Market in Portfolio
Replies: 50
Views: 4271

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

The whole idea of total market and total bond funds is that your portfolio will buy into the total u.s. bond/equity market at the ratio that makes up the market. It is a way of owning a diverse portfolio that truly represents the u.s. you can change your aggressiveness by changing your stock to bon...
by saintsfan342000
Sun Mar 10, 2019 7:58 pm
Forum: Personal Investments
Topic: IRA to Roth transfer
Replies: 4
Views: 451

Re: IRA to Roth transfer

leeks wrote:
Sun Mar 10, 2019 1:04 pm
Pennies and the Backdoor Roth IRA
https://www.whitecoatinvestor.com/penni ... -roth-ira/
One of WCI's most helpful posts ever.
by saintsfan342000
Sun Mar 03, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs everyone else
Replies: 38
Views: 4423

Re: Vanguard vs everyone else

To the OP's main question: Past performance is no guarantee of future results. This minor out-performance of a few bp by Vanguard's funds might disappear for the next 20 years. This could be due to tracking error, the underlying index, and any number of other factors that are totally beyond our cont...
by saintsfan342000
Thu Feb 28, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Uncorrelated Asset Classes
Replies: 89
Views: 6615

Re: Uncorrelated Asset Classes

There's a whole class of alternatives out there that are quite uncorrelated (and also quite expensive). Hedged equity, volatility strategies, merger arbitrage, managed futures. There are a number of mutual funds and ETFs that implement these strategies. Good luck.
by saintsfan342000
Thu Feb 21, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: REIT's and Rick Ferri
Replies: 60
Views: 10049

Re: REIT's and Rick Ferri

White Coat Investor wrote:
Wed Feb 20, 2019 11:51 am
The key is to pick something reasonable and stick with it. Sticking with your reasonable plan matters far more than what that plan is.
I'm adding this to my IPS (well, I'll submit the amendment proposal, and if it passes the required six-month waiting period, the I'll add it to my IPS).
by saintsfan342000
Thu Feb 21, 2019 10:21 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2971

Re: Whats up w/ Vanguards website?

b0B wrote:
Thu Feb 21, 2019 10:07 pm
Try resizing the window. (Generic website advice.)

Also, use the scrollbar.
Call Vanguard and tell them to unplug their modem, wait 30 seconds, and plug it back in.
by saintsfan342000
Sun Feb 17, 2019 10:41 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 13878

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

BoggledHead2 wrote:
Sun Feb 17, 2019 7:34 pm
Amazon, Google, Netflix have become so engrained in daily life that i consider them fairly safe long term bets - especially amazon/google. They pretty much run the world.
You should have seen the line on a Friday night at any of the three Blockbusters in my hometown 15 years ago.
by saintsfan342000
Sun Feb 17, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Callan Periodic Table. Is the 3 fund portfolio adequate?
Replies: 19
Views: 1329

Re: Callahan Periodic Table. Is the 3 fund portfolio adequate?

RadAudit wrote:
Sun Feb 17, 2019 11:27 am
The genius of the three fund portfolio to me is its design to provide maximum, cap-weighted, diversification with a minimum number of funds and at a low cost.
I think this says it perfectly!
by saintsfan342000
Thu Feb 14, 2019 7:29 pm
Forum: Personal Investments
Topic: Fidelity International index options
Replies: 8
Views: 1084

Re: Fidelity International index options

The only international index fund offered in my 401K is FSPSX. The other int'l funds are all expensive active funds. So I use FSPSX. You can see its performance is really, really similar to Vanguard Total International, so the fact that FSPSX lack emerging markets doesn't really matter.
by saintsfan342000
Wed Feb 13, 2019 10:23 pm
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 11333

Re: Why international?

lostdog wrote:
Wed Feb 13, 2019 9:16 am
I don't invest on any of these. Logic,reason and accepting that I cannot beat the market brings me to world market cap.
I'm curious, what was your portfolio before VTWAX?

On a separate note: These US vs. Int'l threads amaze me. They make the 3-funders vs. slice-and-dicers look so civilized.
by saintsfan342000
Wed Feb 13, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 5939

Re: International bonds

abuss368 wrote:
Tue Feb 12, 2019 10:47 pm
I believe there already is an Admiral share class available.
There is for Total International Bonds (BNDX/VTABX), but not for Total World Bonds (currently only the ETF BNDW).
by saintsfan342000
Tue Feb 12, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: International bonds
Replies: 60
Views: 5939

Re: International bonds

abuss368 wrote:
Tue Feb 12, 2019 3:54 pm
It appears as if Bogleheads have warmed to International Bonds or perhaps a Global Bond Fund a little more than a few years ago.
Just wait for when they make an Admiral share class for BNDW.
by saintsfan342000
Sat Feb 09, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: VGWIX vs. VGYAX
Replies: 6
Views: 527

Re: VGWIX vs. VGYAX

Silk McCue wrote:
Sat Feb 09, 2019 10:35 am
Also its ".01", not "01." That through me briefly.
Also it's "it's", not "its", and "threw", not "through".

:D Sorry, couldn't help myself.
by saintsfan342000
Fri Feb 08, 2019 5:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 22722

Re: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) available February 7

lostdog wrote:
Thu Feb 07, 2019 8:13 am
I am going to guess that the average expense ratio of the two funds is .07%. .10% is almost negligible.
If 0.1% was negligible we wouldn't be rejoicing so hard over the introduction of these Admiral share classes.
by saintsfan342000
Wed Jan 30, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 8686

Re: What did you learn from 2018 in the markets?

" Always remain invested" was a lesson I learned the hard way. The FA I was signing up with had us liquidate in early December 2017 to transfer assets his way. I didn't think it was a big deal. We were in cash for all but the last three days of the 12/17-1/18 tax cut melt up. Bought back in at just ...
by saintsfan342000
Mon Jan 28, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: Have you heard of active-managed funds refunding management fees (expense ratio) when they don't beat the S&P 500?
Replies: 14
Views: 1188

Re: Have you heard of active-managed funds refunding management fees (expense ratio) when they don't beat the S&P 500?

Some active Fidelity funds adjust their expense ratios based on prior performance relative to some benchmark. I was just reading about this when assessing the Low Price Stock Fund in my 401k.
by saintsfan342000
Fri Jan 18, 2019 12:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 22722

Re: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5

wow, this is exciting. Two things that have always bothered me about the existing VTWSX: 1. It is more expensive than holding VTIAX and VTSAX (not very much but hard to justify the move if I already own these in a 45/55 proportion) 2. It has fewer stocks than the above combo 3. Its performance over...
by saintsfan342000
Thu Jan 17, 2019 11:56 pm
Forum: Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 87
Views: 11688

Re: 100% in VTSAX - Is it crazy???

For what it's worth, 100% VTSAX is #2 on the White Coast Investor's list of "150 Portfolios Better than Yours".
by saintsfan342000
Thu Jan 17, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 22722

Re: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5

Great news. Are there any other Admiral shares out there with ERs that differ from the corresponding ETF? I wonder why this one is different, and whether it will come down to equal the ETF after a year or two when it reaches some sufficient level of assets.
by saintsfan342000
Sat Jan 12, 2019 7:58 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 17171

Re: Biggest Investment Mistake

RobLyons wrote:
Fri Jan 11, 2019 4:16 pm
1. Not riding out 2008 longer. Horrible timing.
Care you elaborate on what you did? I understand if not.
by saintsfan342000
Sat Jan 12, 2019 7:43 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 17171

Re: Biggest Investment Mistake

renue74 wrote:
Fri Jan 11, 2019 9:32 am
Waiting until my 30s to really start "understanding" investing. Can't get those years back.
Yup. I started my first job after college in March 2009. I saved plenty of money, but just kept it in savings accounts because I didn't know any better. It was 2012 or 2013 before I started investing.
by saintsfan342000
Wed Jan 09, 2019 2:20 pm
Forum: Personal Investments
Topic: How do I buy gold?
Replies: 55
Views: 4384

Re: How do I buy gold?

I only buy bitgold now. Cryptometals are the future.
by saintsfan342000
Tue Jan 08, 2019 4:36 pm
Forum: Personal Investments
Topic: 401k - Use three Indexes to make Total Index?
Replies: 16
Views: 936

Re: 401k - Use three Indexes to make Total Index?

Well... full-disclosure, I am also responsible for the plan for our business. We're small, family-owned - this 401(k) product through MassMutual gave us an opportunity to offer retirement benefits for the cost of only the TPA fees each year. Of course... that means the ER's are where MM and their a...
by saintsfan342000
Tue Jan 08, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 10421

Re: More Nanny State From Vanguard

Nice to see an example of Vanguard not trying to grow its business.
by saintsfan342000
Mon Jan 07, 2019 7:48 pm
Forum: Personal Investments
Topic: 401k - Use three Indexes to make Total Index?
Replies: 16
Views: 936

Re: 401k - Use three Indexes to make Total Index?

This post boils my blood. That an employer with a fiduciary duty to its 401K participants thinks an S&P 500 index with an expense ratio near 1% is serving it's clients best interests is truly outrageous. Sorry you're in this boat, OP.
by saintsfan342000
Sun Jan 06, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: Gus Sauter: the next "Bogleheads on Investing" podcast guest
Replies: 28
Views: 2701

Re: Gus Sauter: the next "Bogleheads on Investing" podcast guest

Maybe see if he'd talk about some of the growing pains Vanguard (and perhaps other investment houses) seem to have experiences. Vanguard customer service has apparently taken a dive, and people frequently complain about their website. Is there a point where Vanguard would ever say "Ok, we've grown e...
by saintsfan342000
Sat Jan 05, 2019 3:41 pm
Forum: Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1700

Re: Sell ETF, buy Vanguard mutual fund on same day

Sorry, I got busy and did not login to my Vanguard account yesterday. Did anybody else do this? I see the OP did an in-kind transfer, but did not state how long ago that was. My ETF shares were purchased months and months ago, so no issues with settlement of the shares I would be selling. To close ...
by saintsfan342000
Wed Jan 02, 2019 11:49 pm
Forum: Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1700

Re: Sell ETF, buy Vanguard mutual fund on same day

livesoft wrote:
Tue Jan 01, 2019 2:27 pm
It's easy enough for many of us to try the experiment. I'll do it tomorrow and report.
Anything to report? FWIW I called Vanguard. The rep said that it wouldn't be a problem if I'm buying a Vanguard mutual fund.
by saintsfan342000
Tue Jan 01, 2019 1:16 pm
Forum: Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1700

Re: Sell ETF, buy Vanguard mutual fund on same day

This gets asked a lot, often in TLH threads. I figured I would link a recent one rather than having people write their responses again: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=268025 Thank you. But they are talking about selling ETFs and buying ETFs, whereas I want to sell ETF and buy...
by saintsfan342000
Tue Jan 01, 2019 12:25 pm
Forum: Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1700

Sell ETF, buy Vanguard mutual fund on same day

I completed an in-kind transfer to Vanguard of iShares ETFs from my now-fired financial advisor's brokerage. I intend to sell these ETFs and replace with Vanguard Mutual Funds in accordance with my IPS. In an effort to minimize time out of the market, my hope is to proceed as described in this post ...
by saintsfan342000
Wed Dec 26, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: 12/26/2018 is why you don't want to TLH to cash
Replies: 14
Views: 1551

Re: 12/26/2018 is why you don't want to TLH to cash

It's "Invest you must", not "Invest you must except when TLHing". Always remain invested.
by saintsfan342000
Wed Dec 12, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6871

Re: Early retirement mistakes???

This could turn out to be an incredibly useful and informative thread. Great topic.