Search found 2567 matches

by GammaPoint
Thu Sep 20, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 4
Views: 136

Re: Need iPhone case recommendations

I've always used Spigen Tough Armor and they have worked well. Can't say the other brands aren't better though.
by GammaPoint
Thu Sep 20, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard MultiFactor fund vs ETF after tax return
Replies: 2
Views: 156

Re: Vanguard MultiFactor fund vs ETF after tax return

Rob, there was some discussion on this in another thread you might find interesting:

viewtopic.php?t=256790
by GammaPoint
Thu Sep 20, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Momentum strategies and implementation costs
Replies: 0
Views: 71

Momentum strategies and implementation costs

Historically I haven't had any allocation to the momentum factor, though I am considering a small portion of my US equity exposure (~5%) to be put into Vanguard's new multi-factor ETF VFMF, which targets the factors of value, quality, and momentum. I already have lots of value exposure elsewhere in ...
by GammaPoint
Fri Sep 14, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 24
Views: 1598

Re: Small cap tilt

I overweight emerging markets because they are less correlated with the rest of my portfolio. They happen to be riskier as well, which increases my portfolio risk for a given stock allocation, but I can set my stock allocation freely to get a desired risk level. I would split my foreign stock 50/50...
by GammaPoint
Fri Sep 14, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 24
Views: 1598

Re: Small cap tilt

I have some tilt to small cap, both domestically and internationally (VB and VSS, as well as VBR). I have overweighted small cap, value, and emerging markets for years. Grabiner, how much do you overweight EM and with what justification? I overweight EM too actually but was curious about your % and ...
by GammaPoint
Thu Sep 13, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3264

Re: Ready to buy iPhone 8 now, but..

If the 8 isn't going to get a free storage upgrade anytime soon, then I figure I might as well upgrade now. My 5c is pretty much on its death bed.
by GammaPoint
Wed Sep 12, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

I am very curious about the reason to be bullish about EM economies. I lived 25 years in an EM country and I visited a lot more. In my opinion is absolutely no reason to be bullish about them, at least not in my time horizon of several decades. The only reason I own some is speculative and hedging ...
by GammaPoint
Wed Sep 12, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

So why not decide on 60% and move it all now? Well, long-term I'd probably like something like 40-50% international. Being based in the US, I'm okay with a little home country bias (both for relative wealth concerns, but mostly for the fact that it's cheaper for me to invest here and a lot cheaper ...
by GammaPoint
Wed Sep 12, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

I have invested similar to you, but think EM in particular may be in for a bumpy ride. And if EM currencies go into distress, I think the IMF has revised it's opinion on currency controls and may not strive to protect investors as it had done in the past. I see nothing wrong with being 100% US whic...
by GammaPoint
Wed Sep 12, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3264

Re: Ready to buy iPhone 8 now, but..

Sorry, I got that backwards :oops: When I had an Android phone, that's how it worked and everything was seamless. Both cell phone number and GV number worked through the same app. With iOS, I had to adjust. What I did works for me but I don't recommend it. That is, my cell phone number used to forw...
by GammaPoint
Wed Sep 12, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 483
Views: 70968

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

But I'm curious if the 1.5 non-turbo engine is effected as well? At first I read that the non-Turbo wasn't affected, but then more recently I've seen people saying it is affected but just to a lesser degree. Though I'm not an expert in it since am like you and almost bought a CRV and don't actually...
by GammaPoint
Tue Sep 11, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

Or, you are just pure market timing and hope to be lucky. You just buy whatever you think is cheap without thinking about whether it is above your ratio. I'm not dictating a general strategy here, so it shouldn't be approached that way. What do you think the default expectation is for US vs ex-US p...
by GammaPoint
Tue Sep 11, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

The point isn't if your AA is reasonable, that's up to you to decide. The issue is you aren't willing to follow an IPS. That might work out fine, or it might not. What will you do if a bear comes along and starts attacking your portfolio? Wing it? Or follow your IPS? You're not wrong. It'll either ...
by GammaPoint
Tue Sep 11, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

But when your savings are higher, to stick to your AA, you might only put $X into the most underperforming asset (like international) to bring it up to the proper AA amount, but then you have more savings left over, which "should" then be spread among other assets too (including even the over-perfo...
by GammaPoint
Tue Sep 11, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

This is different than a value tilt. You are not tilting towards what is classified as "value" equities. You are tilting to what you have a hunch is a good value. https://www.investopedia.com/terms/v/valuestock.asp Unless there is good reason to treat international as a "value" equity, which I have...
by GammaPoint
Tue Sep 11, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

My other comment is you should know why you want international -other than Speculating the stocks ate cheap or cheaper than X. My reasons for holding 30% international are two fold: 1) More diversity, 2) potentially less correlated with U.S. stocks. My reasons for holding international are the same...
by GammaPoint
Tue Sep 11, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

Frankly I’m confused. Why is your AA drifting so much? You clearly understand things well enough to adjust your contribution breakdown to stay within say a 5% band. Maybe I didn't explain it well. I could certainly rebalance or alter purchase decisions to get back within my AA. But my savings rate ...
by GammaPoint
Tue Sep 11, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Re: Going off-track of asset allocation due to high savings rate

You are market timing. It may or may not work. Nobody knows (nothing). I respect you calling it "market timing", and to some degree I agree it is. That said, I think it's also a little extreme of a characterization. I just wanted to be making portfolio purchases that weren't so strongly skewed by t...
by GammaPoint
Tue Sep 11, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 2790

Going off-track of asset allocation due to high savings rate

For over 10 years, I had implemented the same asset allocation that I originally set off with years ago. I'd do periodic rebalancing, and I'd commit new purchases to the assets which were under-weighted. Setting an AA and sticking with it is a great way to buy low/sell high, as well as control risk....
by GammaPoint
Tue Sep 11, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3264

Re: Ready to buy iPhone 8 now, but..

The 5c does support wifi calling. https://support.apple.com/en-us/HT203032 And even if your carrier doesn't support it. You can get a Google Voice number for free and forward your calls so you still use your cell number and have wifi calling. Sure, I was a little loose in what I wrote. The 5c does ...
by GammaPoint
Tue Sep 11, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4531

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

As has been noted many times on this forum before, Vanguard is also losing the fee battle in the solo 401k space, since they've long prevented individuals from holding admiral or ETFs there. This has caused lots of solo 401ks to go to Fidelity instead. I'm likely to move my wife's solo 401k to Fidel...
by GammaPoint
Mon Sep 10, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3264

Re: Ready to buy iPhone 8 now, but..

I've currently got an iPhone 5c, which unfortunately does not support wifi-calling, and I just moved to a new house with very poor cellular reception where that feature would be super, super useful. So I've used this situation as the motivation to finally upgrade my phone. I'll probably wait until t...
by GammaPoint
Mon Sep 10, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 483
Views: 70968

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Please take my advice and don't buy a CRV unless you like Lemonade. I stumbled upon this thread a few weeks ago, and have been watching it since. My wife and I were extremely close to buying a 2018 CRV, but now we're probably going to hold off and instead take a look at the 2019 Toyota RAV4s. I'm s...
by GammaPoint
Sat Sep 08, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Safely maxing out allowed contributions to individual 401k plan?
Replies: 6
Views: 649

Re: Safely maxing out allowed contributions to individual 401k plan?

First off, thanks for such a detailed reply, Spirit Rider. It brought a lot of clarity to this issue for me. Actually, line 2 of this worksheet is not necessarily in error, just using a short cut. The SE tax calculation multiplies the business profit * 92.35% * 15.3% <= the SS max wage base (2018 = ...
by GammaPoint
Fri Sep 07, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Safely maxing out allowed contributions to individual 401k plan?
Replies: 6
Views: 649

Re: Safely maxing out allowed contributions to individual 401k plan?

Article: https://thefinancebuff.com/solo-401k-for-part-time-self-employment.html Spreadsheet (make sure to scroll up to see the entire spreadsheet - its opens towards the bottom for some reason) https://docs.zoho.com/sheet/published.do?rid=hd3vb2c79aa2e630443d58a05e8140934898a I appreciate the link...
by GammaPoint
Fri Sep 07, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Safely maxing out allowed contributions to individual 401k plan?
Replies: 6
Views: 649

Re: Safely maxing out allowed contributions to individual 401k plan?

It's a sole proprietorship set up at Vanguard. Her business income will probably be in the $13000-$15000 range for the 2018 year.
by GammaPoint
Fri Sep 07, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Safely maxing out allowed contributions to individual 401k plan?
Replies: 6
Views: 649

Safely maxing out allowed contributions to individual 401k plan?

This year my wife set up a new business and we set her up with an individual 401k plan with Vanguard. She's already made about $9k in deductible 401k contributions to a previous W2 job that she no longer has, so we can (business-income permitting) contribute another $9.5k in her individual 401k plus...
by GammaPoint
Fri Aug 24, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Re: Expectations of factor investing from a factor regression

Larry, thanks for the reply. It's always fun and an honor to receive commentary direct from an author that I'm reading. So if you look only at P/B then DFSVX might look more valuey because that is only metric it is using. But then look at other metrics and you see BOSVX looks more valuey. Appreciate...
by GammaPoint
Thu Aug 23, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Re: Expectations of factor investing from a factor regression

If the R^2 is low, then the value loading produced by the model has large error bars. Or similarly, the less accurate the FF formula will be in predicting the returns of the fund, i.e. the predicted fund return will have large error bars. Right, I was aware of this, which is why I was saying "if it...
by GammaPoint
Thu Aug 23, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Re: Expectations of factor investing from a factor regression

Vanguard US Value Factor ETF VFVA is long only and has a value loading of .78. Thanks for looking this up. I was interested in this but didn't realize I could set it to use daily returns instead of monthly (not enough months to compute it by months since it's a new fund). The R^2 of that fit isn't ...
by GammaPoint
Thu Aug 23, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Re: Expectations of factor investing from a factor regression

Realize that factors are defined as long short portfolios. This isolates the factor from market factor. Long only funds at maximum by definition can only have a loading of 0.5. Dave, thanks for the reminder. I remember Swedroe talking about this but not being clear on how to think of it in a long-o...
by GammaPoint
Thu Aug 23, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Re: Expectations of factor investing from a factor regression

The product of those two numbers (eg premium times loading) gives the excess return attributable to each factor in the regression. So it seems like my reading of the equation is correct, then? If so, that would have been a good point for Swedroe to make in his book (that typical products don't achi...
by GammaPoint
Thu Aug 23, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Re: Expectations of factor investing from a factor regression

1. I need to see the regression equation to answer your question about expected return. Thanks for the reply, acegolfer. See the screenshot of the equation and definitions: https://ibb.co/nDQ90z . The problem is that Swedroe doesn't use equations in his book. If Swedroe's "value premium" is equal t...
by GammaPoint
Thu Aug 23, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 25
Views: 1038

Expectations of factor investing from a factor regression

I'm currently reading Swedroe's book on factor investing. I've had substantial value/size tilts in my portfolio (at least domestic) for over 10 years, but I'm enjoying reading about other factors (quality,momentum) that I hadn't previously had much experience with. However, I have a question about h...
by GammaPoint
Wed Jul 08, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Why do Morningstar and Vanguard.com differ in how much EM VXUS has?
Replies: 3
Views: 429

Why do Morningstar and Vanguard.com differ in how much EM VXUS has?

If you look on Vanguard's website for VXUS ( https://personal.vanguard.com/us/funds/snapshot?FundId=3369&FundIntExt=INT#tab=2 ) it says that, as of 5/31/15, the fund has 18.8% allocation to emerging markets. On the other hand, if you look at Morningstar ( http://portfolios.morningstar.com/fund/summa...
by GammaPoint
Thu Apr 16, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Etsy IPO account access
Replies: 6
Views: 1116

Re: Etsy IPO account access

IPOs are typically underperforming investments, so I avoid them.
by GammaPoint
Thu Nov 06, 2014 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1256

Re: Possible to contribute after-tax to plan to get match?

This is true. Your salary for this purpose is the actual salary earned during your first year of employment, not your stated annual salary for a full year. Thanks tfb. When I called in they verified that this was true -- the 6% matching is done per paycheck, which means it's effectively pro-rated t...
by GammaPoint
Tue Nov 04, 2014 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1256

Re: Possible to contribute after-tax to plan to get match?

Leeraar wrote: The simplest, it seems to me, is to contribute to Plan B whatever you need to get the match. Then, if you do have excess total contributions, get them out of Plan A.
Thanks for your advice! It does seem like this will be an option, and is what I'm currently planning on doing.
by GammaPoint
Mon Nov 03, 2014 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1256

Re: Possible to contribute after-tax to plan to get match?

Thank you all for your feedback. As you all indicate, there's lots of information I need to glean from my plan administrator to figure out what's possible, but I wanted to get a 'first opinion' here before I got theirs. Some clarifications and comments: 1). When I said 6% match, I meant 100% match u...
by GammaPoint
Sun Nov 02, 2014 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 1256

Possible to contribute after-tax to plan to get match?

I recently switched jobs from a university employer (as a postdoc) which gave me zero match on my retirement contributions, to a industry employer which gives me a 6% match on contributions. The problem is that about $13k of my $17.5k annual 401(k) limit was made as a postdoc and I received zero mat...
by GammaPoint
Thu Jan 24, 2013 6:18 pm
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 83
Views: 6346

Re: Anybody here go all-Linux for personal computing?

All my computers (both work and personal) run Xubuntu. I boot into Windows using VirtualBox because I need to run iTunes to put music on my Touch, but that's all I use it for. If I didn't have to use iTunes I would never log onto anything but linux.
by GammaPoint
Wed Jan 02, 2013 9:12 pm
Forum: Investing - Theory, News & General
Topic: Excellent outlook on the economy from Vanguard
Replies: 15
Views: 3749

Re: Excellent outlook on the economy from Vanguard

Sorry for the comment. I was referring to his paraphrase of Krugman that only the people that own the robots will get rich. I have read several of Krugman's books, include CONSCIENCE OF A Liberal, and I know his philosophy. This forum does not allow much debate on that so I apologize for the statem...
by GammaPoint
Wed Jan 02, 2013 7:24 pm
Forum: Investing - Theory, News & General
Topic: Excellent outlook on the economy from Vanguard
Replies: 15
Views: 3749

Re: Excellent outlook on the economy from Vanguard

See this piece by Paul Krugman ... Smart machines may make higher GDP possible, but also reduce the demand for people -- including smart people. So we could be looking at a society that grows ever richer, but in which all the gains in wealth accrue to whoever owns the robots. ...and this response b...
by GammaPoint
Sat Aug 25, 2012 1:12 pm
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 8978

Re: Large Value tilt?

I have a separate large value allocation, although I tilt to small value more.
by GammaPoint
Sat Aug 25, 2012 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of silver. I'm new to this
Replies: 18
Views: 2034

Re: Thinking of silver. I'm new to this

The best answer of course is to spend some time learning about investing through the resources available and recommended on this forum. If it helps motivate you any more, let me just say that I'm almost 30 years old and have been in school the entire time (PhD and now postdoc in physics). However, o...
by GammaPoint
Sat Aug 25, 2012 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of silver. I'm new to this
Replies: 18
Views: 2034

Re: Thinking of silver. I'm new to this

NevadaMarine, All good advice being given here. If there were a lot of intelligent people on here who could tell you that silver was a really good investment right now and was underpriced, wouldn't they likely just pile a lot of their money into it until the price rose? This is true for all investme...
by GammaPoint
Mon Aug 20, 2012 8:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1493930

Re: What Book Are You Currently Reading? Part V

The Physics of Solar Cells, by Jenny Nelson. The book isn't great and has a number of typos, but I am learning some stuff I should already know but never actually learned.
by GammaPoint
Sat Aug 04, 2012 8:34 pm
Forum: Personal Consumer Issues
Topic: Do you tip at self-serve restaurants?
Replies: 49
Views: 11437

Re: Do you tip at self-serve restaurants?

That tip line on the credit card authorization has really been popping up almost everywhere in the past, I dunno, 10 years. Sometimes it's even at places that just seem absolutely absurd for it to be. So no, I definitely do not tip at these types of self-service places unless something out of the or...
by GammaPoint
Fri Jun 15, 2012 7:33 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with expensive hobbies
Replies: 57
Views: 6445

Re: Bogleheads with expensive hobbies

I have an expensive bike, like to travel, and like to eat at moderately expensive restaurants (~$60/person range).