Search found 123 matches

by lassevirensghost
Fri Apr 17, 2020 10:33 pm
Forum: Investing - Theory, News & General
Topic: Why doesn’t Vanguard offer Value tilt indexes
Replies: 6
Views: 578

Re: Why doesn’t Vanguard offer Value tilt indexes

Do you mean something along the lines of DFA or Avantis?
by lassevirensghost
Mon Mar 30, 2020 7:12 pm
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 251
Views: 30348

Re: Ex DFA CIO launches competitor which will also have ETFs

It seems AVUS and AVDE are supposed to be more “core” holdings; does anybody know what exactly they are setting out to achieve? It seems a modest tilt to value and profitability. What can these etfs be compared to?
by lassevirensghost
Wed Mar 25, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: "Expect Trouble"
Replies: 28
Views: 3602

Re: "Expect Trouble"

Hi Taylor, That's great advice. We need more of your generation characteristics in today's world. Hopefully this crisis will teach the younger generation something about grit and fighting back. As a principle, it always seems to be a greater benefit for one to internalize wisdom for oneself rather ...
by lassevirensghost
Mon Mar 23, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: Need Explanation: Why Locking in Losses is Bad
Replies: 26
Views: 2022

Re: Need Explanation: Why Locking in Losses is Bad

If he knew shares were going down to $20 he should have sold long before they were at $25. It’s one thing to follow a rules based timing system but this sounds pretty loosey goosey to me.
by lassevirensghost
Wed Mar 18, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697362

Re: U.S. stocks in free fall

Three major crashes in the span of just 20 years. Each time inflicting an irreversible injury on the country. At some point, one has to wonder when it won't be capable of recovering on its own Huh? Have you already forgotten the unbelievable decade-long bull market we just experienced? The SP500 ha...
by lassevirensghost
Thu Mar 12, 2020 3:53 pm
Forum: Investing - Theory, News & General
Topic: A simple moving average timing model using stocks and treasuries
Replies: 54
Views: 3764

Re: A simple moving average timing model using stocks and treasuries

I make an allocation to a DIY trend-following system on US and EAFE indexes. 200 day SMA with a weekly decision. I was out entirely by 2/24. I still have 15% of my portfolio allocated to B&H stock, so I am still getting dinged. But my portfolio is probably down 5.x% YTD, something like that. It is s...
by lassevirensghost
Thu Mar 12, 2020 9:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697362

Re: U.S. stocks in free fall

S&P600 is approaching -40% YTD. wow!
by lassevirensghost
Mon Mar 09, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

Again, I am getting at the bottom of the attitude that one should not care at all about downturns. At your own peril. You are welcome to your opinion. Your opinion may be right for you, but that doesn't mean it is right for everyone. Getting upset because not everyone agrees with you is not an admi...
by lassevirensghost
Mon Mar 09, 2020 5:58 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

Again, I am getting at the bottom of the attitude that one should not care at all about downturns. At your own peril. You are welcome to your opinion. Your opinion may be right for you, but that doesn't mean it is right for everyone. Getting upset because not everyone agrees with you is not an admi...
by lassevirensghost
Mon Mar 09, 2020 5:37 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

The attitude that price clawbacks matter is an expression of greater humility and greater respect for the market.
by lassevirensghost
Mon Mar 09, 2020 5:34 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

It's almost as if the OP has never actually looked at historical market prices. +1 On the contrary, it is almost as if you didnt read my OP. Two years is beside the point, which is that this is nothing other than a smug disposition conjured up mostly to buttress oneself against psychological pitfal...
by lassevirensghost
Mon Mar 09, 2020 5:31 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

firebirdparts wrote:
Mon Mar 09, 2020 5:15 pm
How is any of this confusing?

You can buy whatever you want. My advice, honestly, is get an advisor.
This is assuming I am not buying stock. I am, but I am not gleeful the way many BH are.
by lassevirensghost
Mon Mar 09, 2020 5:29 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

Today VTI hit the same price level it was sitting at on 01/01/2018. Of course dividends have come in to the investor in addition to price appreciation, etc., but noting something like the above on this board usually results in "Well, you were happy to buy it then at that price; what has changed now...
by lassevirensghost
Mon Mar 09, 2020 4:55 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

just because you call it a fallacy, doesn't make it so. I am happier to buy shares now than when the price for the same shares were higher. Why? Because I know when this all passes, the market will create value again, and the shares I buy today will be worth more + the shares that I bought before t...
by lassevirensghost
Mon Mar 09, 2020 4:45 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

It's almost as if the OP has never actually looked at historical market prices. +1 On the contrary, it is almost as if you didnt read my OP. Two years is beside the point, which is that this is nothing other than a smug disposition conjured up mostly to buttress oneself against psychological pitfal...
by lassevirensghost
Mon Mar 09, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

InvestingGeek wrote:
Mon Mar 09, 2020 3:34 pm
lassevirensghost wrote:
Mon Mar 09, 2020 3:09 pm
It is not so often even over a full investing career that a pullback takes away multiple years of gains just like that.
You sure? I'd say this is a very common scenario. Happens every few years.
Multiple years? Outside of full blown recessions not very often.
by lassevirensghost
Mon Mar 09, 2020 4:03 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

The part I am trying to flesh out is not that one shouldn’t expect volatility or that one should expect constant and steady appreciation, but rather that there’s something actually wrong in thinking that the price could go back to any point in time and that’s fine. Two years is arbitrary as the exam...
by lassevirensghost
Mon Mar 09, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

Re: "If you were happy to buy it then" fallacy

Today VTI hit the same price level it was sitting at on 01/01/2018. Of course dividends have come in to the investor in addition to price appreciation, etc., but noting something like the above on this board usually results in "Well, you were happy to buy it then at that price; what has changed now...
by lassevirensghost
Mon Mar 09, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: "If you were happy to buy it then" fallacy
Replies: 64
Views: 4167

"If you were happy to buy it then" fallacy

Today VTI hit the same price level it was sitting at on 01/01/2018. Of course dividends have come in to the investor in addition to price appreciation, etc., but noting something like the above on this board usually results in "Well, you were happy to buy it then at that price; what has changed now?...
by lassevirensghost
Thu Mar 05, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1524
Views: 123475

Re: My trend following strategy and experience

I learned a lot from Will. What I will say here is that for those interested in trend following, it doesn't have to be an all or nothing approach, which is what is getting roasted on this thread. You can make an allocation to trend-following, which is what I do. The upside to this is that you still ...
by lassevirensghost
Sat Feb 15, 2020 8:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard Factor ETFs 2 Year Birthday!
Replies: 44
Views: 3109

Re: Vanguard Factor ETFs 2 Year Birthday!

Vanguard has several funds aimed at such advisor community. Market neutral, alternative strategy, managed payout, commodity strategy, factors, so on.. The advisors get to play around with other people's money on their favored theory of the season until the cows come home, if the clients get frustra...
by lassevirensghost
Fri Feb 14, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543343

Re: What are you up YTD? [Year To Date]

Something like 2% (45% trend on global equities, 15% b&H scv, 40% itt).
by lassevirensghost
Fri Feb 14, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Factor ETFs 2 Year Birthday!
Replies: 44
Views: 3109

Re: Vanguard Factor ETFs 2 Year Birthday!

Vanguard has several funds aimed at such advisor community. Market neutral, alternative strategy, managed payout, commodity strategy, factors, so on.. The advisors get to play around with other people's money on their favored theory of the season until the cows come home, if the clients get frustra...
by lassevirensghost
Fri Feb 14, 2020 12:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Factor ETFs 2 Year Birthday!
Replies: 44
Views: 3109

Re: Vanguard Factor ETFs 2 Year Birthday!

Vanguard has several funds aimed at such advisor community. Market neutral, alternative strategy, managed payout, commodity strategy, factors, so on.. The advisors get to play around with other people's money on their favored theory of the season until the cows come home, if the clients get frustra...
by lassevirensghost
Tue Jan 28, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can tax preparer work on just a single complicated aspect for you?
Replies: 11
Views: 1138

Can tax preparer work on just a single complicated aspect for you?

Hey all, My wife inherited a small family farm about 7 or so years ago and we have always had to file a Schedule K1 with our taxes. We usually self-prepare. This past year, though, the siblings who inherited the farm collectively sold it and the partnership liquidated. The letter from the K-1 prepar...
by lassevirensghost
Tue Jan 21, 2020 11:18 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2054
Views: 162553

Re: Small Cap Value heads Rejoice !!!

Almost like someone whose name rhymes with shmezeezium is trying to get factor threads locked?
by lassevirensghost
Tue Jan 14, 2020 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 569
Views: 116801

Re: Vanguard's Wellesley Income fund is incredible

I actually do have a question, I currently have all my holdings in Fidelity, I saw I could actually purchase Wellesley from Fido for 75 bucks, can anyone tell me if there is any sort of difference in buying it thru Fido and having it there versus having to open an account thru Vanguard just to purc...
by lassevirensghost
Mon Dec 02, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tiaa creft 403B rollover to Vanguard pros and cons
Replies: 18
Views: 1355

Re: Tiaa creft 403B rollover to Vanguard pros and cons

TIAA has some unique funds such as TIAA Traditional and TIAA Real Estate (both of which I hold) that may be worth looking at. But if you don't know much about them and only want to hold a portfolio of stocks and bonds there is probably no harm in switching to Vanguard. I will keep my TIAA with a pla...
by lassevirensghost
Thu Nov 14, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

The new culture in jobs, is "you can't ask me to do that", not " yes, sir". Adjust for the travel and either suck it up or look elsewhere. My SIL travels to multiple cities 2-4 days a week, almost every week. He has made VP in 4 yrs with a major company. My Daughter works fulltime, and they have a ...
by lassevirensghost
Thu Nov 14, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

Thanks, you two. I am so glad to hear perspectives on the kind of pay increase that would be realistic. It gives a real sense of what kind of life-change I am looking at. and 8foot7, that is a very good point. This is the opposite of what I want.
by lassevirensghost
Thu Nov 14, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

Thank you everyone; this has given me a range of possible reactions to expect from management and given me a sense of what to expect, as well as what my options are. As I see it from the collective group: 1. I can duck my head or be let go. 2. I can negotiate knowing I could easily be let go. 3. I c...
by lassevirensghost
Wed Nov 13, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

You are a fundraiser. They want you to raise more money, and they think the way to do it is with more face time with potential donors. If you can raise more money without traveling I am sure they will be happy. But keep in mind that higher education has an infinite thirst for more money. I suspect ...
by lassevirensghost
Wed Nov 13, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

ponyboy wrote:
Wed Nov 13, 2019 2:49 pm
Traveling for work is soul sucking. I dont care how much you make...not worth your life. If you enjoy traveling for work, this doesnt apply.
Indeed it is.
by lassevirensghost
Wed Nov 13, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

You can certainly try to negotiate something more favorable, but unless you are willing to quit (or be fired) I don't see how you have much leverage. Employers change job responsibilities all the time, and you either adapt or move on. Touche. I am at a point where financially I may be able to be a ...
by lassevirensghost
Wed Nov 13, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Re: Employer requesting increased travel

As stated, you need to make a decision. Going from 25 to 50% travel is a 100% increase. I might want to figure out why one needs to travel, can you have the same impact with a video call for example? Or traveling only as needed to close a contributor? I think many people, including the director of ...
by lassevirensghost
Wed Nov 13, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3122

Employer requesting increased travel

Hi all, have a question about a change my employer wants to make in my role at work. I am a fundraiser at a liberal arts college. I used to be on faculty at a different university but left academia for a variety of reasons. My particular pocket of the university has very ambitious plans to expand wh...
by lassevirensghost
Mon Oct 28, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: Any interest in concise guide to HEDGEFUNDIE 3x Leveraged ETF Excellent Adventure?
Replies: 119
Views: 9593

Re: Any interest in concise guide to HEDGEFUNDIE 3x Leveraged ETF Excellent Adventure?

I am beyond confused now. Your point in this post and many others is that these portfolios can and will wipe themselves out (or have an 80% decline). What you've have shown me here is that they can actually be a very effective way to gain leveraged equity exposure, enabling someone to hold some unc...
by lassevirensghost
Tue Oct 22, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2054
Views: 162553

Re: Small Cap Value heads Rejoice !!!

QVAL rocked it today. I am trying to figure out which holding of the 40 or so it was.
by lassevirensghost
Fri Oct 18, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: Composition and safety of TIAA traditional annuity
Replies: 148
Views: 15066

Re: Composition and safety of TIAA traditional annuity

So should I stop putting fixes income contributions in Trad? Almost the entirety of that portion of my (smallish) portfolio is in Trad.
by lassevirensghost
Fri Oct 11, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2054
Views: 162553

Re: Small Cap Value heads Rejoice !!!

Whatever the case, I am perfectly happy with an equity allocation of VT (50%), QVAL (25%), and IVAL (25%).
by lassevirensghost
Thu Oct 10, 2019 12:52 pm
Forum: Personal Investments
Topic: $0 commissions; so what's the best bond ETF? and why?
Replies: 20
Views: 2151

Re: $0 commissions; so what's the best bond ETF? and why?

How do you figure? Someone DCAing each paycheck could have been buying shares costing hundreds of dollars of commissions. I have never paid any trading commissions on Vanguard ETFs. In this scenario, it does not seem prudent to use a brokerage which is any more expensive. Right. And now the playing...
by lassevirensghost
Thu Oct 10, 2019 12:33 pm
Forum: Personal Investments
Topic: $0 commissions; so what's the best bond ETF? and why?
Replies: 20
Views: 2151

Re: $0 commissions; so what's the best bond ETF? and why?

longleaf wrote:
Thu Oct 10, 2019 12:14 pm
Why does this change in commissions matter for a passive portfolio? There shouldn't be enough trading activity to warrant any change in strategy.
How do you figure? Someone DCAing each paycheck could have been buying shares costing hundreds of dollars of commissions.
by lassevirensghost
Tue Oct 08, 2019 10:21 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 17674

Re: How many are switching from Fidelity?

I should have been clearer. For non-Fidelity or iShares ETFs, is there a charge on both sides—buying and selling? That's all I wondered because I have only ever bought, not sold.
by lassevirensghost
Tue Oct 08, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 17674

Re: How many are switching from Fidelity?

Does Fidelity charge a commission fee for the sale of ETFs? I have Fidelity accounts and own some ETFs they charge me to buy but I haven't ever sold anything.
by lassevirensghost
Tue Oct 01, 2019 5:11 am
Forum: Investing - Theory, News & General
Topic: Vanguards push for PAS
Replies: 18
Views: 3117

Re: Vanguards push for PAS

Depending on bracket, the tax drag of LifeStrategy funds in taxable is less than 20 basis points.
by lassevirensghost
Tue Sep 24, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Global Wellington and Wellesley and fund size
Replies: 6
Views: 1163

Re: Global Ws and fund size

columbia wrote:
Mon Sep 23, 2019 7:05 pm
Nimble would imply a fair amount of trading, which isn’t necessarily the approach of these funds.
Yes, imprecise language on my part. I am thinking I need imagery more along the lines of a small child or animal that can wiggle themselves into small spaces when regular size adults cannot.
by lassevirensghost
Tue Sep 24, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 137
Views: 26677

Re: A low-cost 5 fund Boglehead portfolio

Vineviz, If you had to reduce this to three funds what would those three funds be? I don't think the 5 fund portfolios mentioned in the original post could be easily reduced to a 3-fund portfolio without sacrificing the superior diversification relative to traditional 3- fund portfolios that I was ...
by lassevirensghost
Tue Sep 24, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 137
Views: 26677

Re: A low-cost 5 fund Boglehead portfolio

My 5 fund portfolio looks like this: (no tickers it's all weird EU ETFs) 40% total developed world large and mid cap 15% total developed world small cap 15% emerging markets stocks 10% emerging markets USD government bonds 20% long term government bonds 5 funds - all backed by research and boglehea...
by lassevirensghost
Mon Sep 23, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 137
Views: 26677

Re: A low-cost 5 fund Boglehead portfolio

Vineviz,

If you had to reduce this to three funds what would those three funds be?
by lassevirensghost
Mon Sep 23, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: Global Wellington and Wellesley and fund size
Replies: 6
Views: 1163

Re: Global Ws and fund size

Even in the Bogleheads forum, "Ws" doesn't convey much to me. Oh, that's funny. I guess I have seen those two funds referred to as such enough around here that I thought it was commonplace. Sorry, I will edit for clarity, though it looks like subsequent posts have more or less answered the question...