Search found 1035 matches

by Elysium
Tue Aug 14, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 21
Views: 733

Re: Biking with 2 young children - what gear to get?

To OP. I would not go on the road with kids on any of these trailer options, with cars driving by crazy. I do a lot of riding on the roads, solo and in groups, some car drivers pass by dangerously close, some are outright crazy. Dedicated bike trails are where I would limit the kids to, if you have ...
by Elysium
Tue Aug 14, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 6
Views: 346

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

Regarding access to check writing / ATM, it isn't about timing, but being able to narrow it down to only what I really need. For instance, I may need to write a few smaller checks or odd amounts, and may not know cash withdrawal needs. If I keep money at Vanguard and transfer out to my regular bank,...
by Elysium
Tue Aug 14, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 6
Views: 346

Brokerage checking: Fidelity, Schwab, or Vanguard

After years of having one joint checking account for all our needs, I am now considering another separate brokerage checking account. I am trying to send any excess that we think we don't need away from our regular checking account. The primary goal for this account is not to act as a checking accou...
by Elysium
Tue Aug 14, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 21
Views: 733

Re: Biking with 2 young children - what gear to get?

True story - we live on a road that is half-way up a one mile hill with a constant 8-12% grade - great for your heart on the way home. There is a man who lives higher up the hill than us who has three young children and takes them to elementary school every day in good weather - down the hill and t...
by Elysium
Fri Aug 10, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6081

Re: Moving from Vanguard to Fidelity

After years of barely adequate (and sometimes poor) customer support performance from Vanguard I'm thinking of making the switch to Fidelity. What kind of customer support are people lacking at Vanguard, especially passive investors who barely need to do anything. I've been with Vanguard for nearly...
by Elysium
Thu Aug 09, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice with oppenheimer
Replies: 8
Views: 482

Re: Best choice with oppenheimer

Actually, they are not all that bad. Sure, the expense ratios are on the high end, but the Global fund has done pretty well over the years. I know this because the institutional share class is in my spouse's retirement plan and I have tracked it for many years of having fairly consistent returns and...
by Elysium
Mon Aug 06, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6026

Re: Planning to invest in these funds -- any issues?

These look fine to me. Almost similar to a portfolio anyone here would build. I agree with the comments on $50 trading fees may be too much if need to make more than one purchase. Otherwise, looks fine.
by Elysium
Mon Aug 06, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: What are the Vanguard index trusts?
Replies: 3
Views: 396

Re: What are the Vanguard index trusts?

They are essentially the same as the other classes of funds with same names, only available to large pooled accounts like retirement accounts and pension plans. You cannot directly invest in them other than through these accounts. All they offer is even lower fees than other share classes.
by Elysium
Mon Aug 06, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2056

Re: Why international?

Prior to 2010 when QE kicked in, it was quite common for other asset categories to outperform the S&P 500 including other US assets like real estate so investing in a diversified portfolio really paid off. Until we return, if ever, to a more normal state of affairs, it is hard to bet against the US...
by Elysium
Mon Aug 06, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6468

Re: Jamie Dimon: Higher rates are coming

Duplicate deleted.
by Elysium
Mon Aug 06, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6468

Re: Jamie Dimon: Higher rates are coming

The market will decide where interest would go. 5% interest rate? what mortage rate would be? 7%. What a disaster. who would even consider investing in stock market? Investor would just buy CD and live on interest payment. Of course, the big banks are the beneficiary. They can always make money on ...
by Elysium
Sun Aug 05, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2056

Re: Why international?

OP and all others questioning why intl. I can only speak to myself, what you are suffering from is recency bias, not home bias. I looked at my portfolio returns for the past 20 years data that I have and immediately saw the problem. International has not performed as well as US coming out of the glo...
by Elysium
Fri Jul 27, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10138

Re: Peloton spin bike worth the high cost?

Other option for cyclists like myself is a Smart Trainer and the Zwift platform app. I have my older road bike mounted on a Wahoo Kickr connected via ANT+ wireless dongle to Zwift platform. Good for rainy day and winter training. Several courses to chose from and many riders to ride along with. I t...
by Elysium
Fri Jul 27, 2018 5:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4043

Re: RIP investor

Sorry to hear that. I recall him as a kind and humorous person who posted occationally a while back. Thanks for sharing.
by Elysium
Sun May 27, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10138

Re: Peloton spin bike worth the high cost?

Peleton bike is worth the cost only if you are already paying for a regular spin class elsewhere and instead wish to do it at home. Your cost is probably lower in that case and you don't need to drive to/from a spin class. Other option for cyclists like myself is a Smart Trainer and the Zwift platfo...
by Elysium
Wed May 09, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: Question for Australia residents (store gift idea)
Replies: 4
Views: 329

Question for Australia residents (store gift idea)

I need some gift ideas for a young couple moving to Australia and renting an apartment for possible long term stay. One of them have a full time job in Australia and the other is able to continue their job remotely for a while, they are newly married and starting a home. We wish to give them a gift ...
by Elysium
Wed Apr 18, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: The World in 2050 — An Emergent Middle Class
Replies: 35
Views: 4404

Re: The World in 2050 — An Emergent Middle Class

We have roughly one car for every person in the US, including newborns. Can China and India ever reach even a third of that level ? Many of us take vacations to Aspen, St. Barts, Paris. Could ever many Chinese and Indians do the same ? True, improving wages in emerging countries will prop up consum...
by Elysium
Wed Apr 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: IT platform support for Telemedicine practice [edited subject]
Replies: 4
Views: 488

Re: IT platform support for Telemedicine practice

If this is only video chat to see the patients and chat then is it just a matter of having camera with encryption and HIPAA compliance. I am also wondering if there is any recording involved and some compliance and security requirements around that. I don't know the details yet, and not sure which o...
by Elysium
Wed Apr 18, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: IT platform support for Telemedicine practice [edited subject]
Replies: 4
Views: 488

IT platform support for Telemedicine practice [edited subject]

I am seeking help on finding how to go about setting up IT platform support with camera and HIPAA compliance for Telemedicine practice. A family member is planning to start the practice and asked about advice on how to go about getting IT system support. They are starting a practice to work with cou...
by Elysium
Fri Apr 13, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Possible to move an individual 401K?
Replies: 20
Views: 2516

Re: Possible to move an individual 401K?

Can we rollover a i401k partially to another custodian? Is it possible to have 2 i401k accounts at the same time? No. You can only have one custodian for your company 401k, just like a regular company. A solo 401k is established for your business, whether you have one or more employees, it is still...
by Elysium
Wed Apr 11, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 6503

Re: Factor Investing - A convincing article

I concur with the conclusion of the article:

Factor tilting is an active strategy and active investors keep markets efficient. That efficiency allows cap-weighted indexes to have the true free lunch.
by Elysium
Tue Apr 10, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2714

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

I own a good chunk of VGHCX/VGHAX in my accounts, and it has performed really well for me since I owned it. That said it is less than 7% of my overall portfolio and I would keep it around there. If this $24,000 is less than 10% of your overall portfolio then this fund is probably okay to hold since ...
by Elysium
Tue Apr 10, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 17189

Re: Swedroe: Look Beyond 60/40 Portfolio

Do you believe Swedroe targets this forum because its members are gullible, Elysium? Or because its informed investors are receptive to the argument? I did not say Larry is targetting this forum for profit or all members are gullible. I know Larry from his participation on this forum and it's prede...
by Elysium
Mon Apr 09, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 17189

Re: Swedroe: Look Beyond 60/40 Portfolio

FPL Capital charges 1% for providing access to these high cost funds that no one actually knows how they will perform. That is $10,000 on a $1mil portfolio. Why in the world would anyone want to waste tens of thousands of dollars in fees for gaining access to mutual funds that at best provides marke...
by Elysium
Mon Apr 09, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 17189

Re: Swedroe: Look Beyond 60/40 Portfolio

Larry Swedroe has sent me this PM commenting on my question as to whether SRRIX is an active or passive fund:... Is the ER 2%+?, that's enough for me to reject it, be it index, passive, or active. 2.29%. I don't care what they call it, I have no interest. It is a shame when a former low-cost adviso...
by Elysium
Wed Apr 04, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Value Down But Not Out
Replies: 5
Views: 783

Re: Larry Swedroe: Value Down But Not Out

I might be missing something but SCV has outperformed the S&P the last decade (April 2008-2018)?? What is the under performance period that is being cited. Starting from 2005 through current period, SCV has slightly underperformed S&P 500. Starting from 2008, SCV is nearly breakeven with S&P 500. B...
by Elysium
Mon Apr 02, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to roll Roth 401k funds from old employers over to Roth IRA?
Replies: 18
Views: 1209

Re: Any reason not to roll Roth 401k funds from old employers over to Roth IRA?

If you left that employer after the age of 55 then you may be able to access the 401(k) funds before 59.5 without penalty (taxes are are still due). This is may be needed if you retired early. Technically, it is separation anytime during the year you turn 55 or later. Is this applicable to i401k pl...
by Elysium
Mon Apr 02, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 7278

Re: Grass is always greener, federal edition

I will give you one simple reason to stay, if others havent't conviced you enough. Age. That's it, private sector is good, and you make a lot more money, but you never know if you will be able to continue to make that money in another year, and that is a constant. Once you hit 50, it beccomes even m...
by Elysium
Mon Apr 02, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Where Nobel Economists Put Their Money
Replies: 19
Views: 4926

Re: Where Nobel Economists Put Their Money

Investment portfolio of tenured professors at elite institutions have almost no meaning to that of almost everyone else. This is because the ROI from their human capital has a guaranteed SWR for as long as they want subject to sudden and drastic decline in cognitive abilities. Their portfolio is an ...
by Elysium
Tue Mar 27, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: DFA Funds Direct Access w/o Advisor ? John Hancock
Replies: 16
Views: 2479

Re: DFA Funds Direct Access w/o Advisor ? John Hancock

That's not half bad. It really isn't. Of course it's all due to 2000-2002 when all the "uncorrelated" classes did as hoped, going up when stocks in general were going down. That hasn't been repeated since then. Actually, it isn't all that bad, when you look at it that way, and 2000-02 performance i...
by Elysium
Tue Mar 27, 2018 10:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Can’t Crack Inefficient Markets
Replies: 22
Views: 3015

Re: Larry Swedroe: Active Can’t Crack Inefficient Markets

Not a whole lot to debate here. Although I follow my own thing mostly and do not follow a no-active ever motto. What I have learned is you need to load up heavily on that 1-2 active managers no one really is talking about and are closed to most investors, then stay quite.
by Elysium
Mon Mar 26, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: DFA Funds Direct Access w/o Advisor ? John Hancock
Replies: 16
Views: 2479

Re: DFA Funds Direct Access w/o Advisor ? John Hancock

why DFA guys are not doing that great ? Change in Management ? or Just Value/Small tilt didnot work vs Blend Indexes for last 10 years ? Again, not performance chasing, but looks like DFA International Blend Index beat EAFE Index YTD ? The word on the street is that DFA guys aren't doing that great...
by Elysium
Mon Mar 26, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: DFA Funds Direct Access w/o Advisor ? John Hancock
Replies: 16
Views: 2479

Re: DFA Funds Direct Access w/o Advisor ? John Hancock

The word on the street is that DFA guys aren't doing that great in terms of their products bringing value added. Everyone knows their secret sauce and it hasn't worked well for last 20 years. I still hold a couple of DFA funds through 401 because there aren't any better alternatives to those asset c...
by Elysium
Sun Mar 25, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13107

Re: Seasoned bogleheads repressing the thought of lower expected returns

Take this for FWIW. My best portfolio returns came during the period I was most inactive in my investments when I had no time to worry about expected market returns, interesr rates, new factors, on and on.
by Elysium
Sat Mar 24, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1941

Re: How to Learn to Build a Web App

Cost saving idea to hire talented programmers with engineering background in comp sci is to make a trip overseas and setup an offshore office. It may not sound very popular, but for a single person startup to hire someone locally would be prohibitive or you'd need to do it all yourself. Programming ...
by Elysium
Wed Mar 21, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 7229

Re: 50% of my portfolio in FANG - 15% in NVDA

The point again is it doesn't matter if you invested some money in a stock like Amazon, in order to make it matter you have to bet very large amounts and risk going broke. I would disagree with that. A relatively small amount of money in an investment that does very well will matter greatly, given ...
by Elysium
Wed Mar 21, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Apply for two internal jobs?
Replies: 5
Views: 630

Re: Apply for two internal jobs?

I'd apply for both. The reality sometimes is that many of the internal positions are filled through references and reputation. It helps if the hiring manager knows you or know someone who can provide a good reference on you. When there are many qualified people who can fill the job internally, hirin...
by Elysium
Tue Mar 20, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: SE Washington DC job - where to live?
Replies: 55
Views: 3663

Re: SE Washington DC job - where to live?

Across the river in Arlington, VA. Plenty of nice apartments and condos for rent around Rosslyn metro, which is just across the river, literally DC but much nicer and safer. Anyone familiar with DC will say no to S.E or even S.W, areas around Georgetown are nice but very expensive. Go to VA, it's a ...
by Elysium
Mon Mar 19, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Count Out Commodities
Replies: 51
Views: 6601

Re: Larry Swedroe: Don’t Count Out Commodities

Packer and Dieharder, That theory of Larry’s that you are referring to is Modern Portfolio Theory. It’s on pretty solid footing. Harry Markowitz got a Nobel prize for it. I’m a big fan of a book called Asset Allocation: Balancing Financial Risk by Roger Gibson. In it he shows the benefits of multi ...
by Elysium
Mon Mar 19, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Count Out Commodities
Replies: 51
Views: 6601

Re: Larry Swedroe: Don’t Count Out Commodities

IMO the quality of Larry's decision is dependent upon the quality of his model. He is treating financial data & processes like scientific data which is an interesting approach but may be wrong if financial markets do not act like natural processes. If he has the correct model of markets then he is ...
by Elysium
Mon Mar 19, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: What kind of bike do I need and how much should I spend?
Replies: 44
Views: 3100

Re: What kind of bike do I need and how much should I spend?

I agree with others on not overspending in the beginning. Cycling as a hobby is something you will need to figure out whether it fits your mindset or not. I say this as someone who puts in anywhere from 3K to 5K miles a year, with 3-4 century ride events, with a group and solo. $500 hybrid bike with...
by Elysium
Fri Mar 16, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Good stock/ bond allocation for middle aged dude?
Replies: 33
Views: 3442

Re: Good stock/ bond allocation for middle aged dude?

Borslami, is there any chance you are in silicon valley and employed in tech? because the way you sound all excited about these tech companies and how much importance they have over our life suggests that you may be surrounded in a bit of bubble. Out here in the rest of the country it doesn't feel t...
by Elysium
Thu Mar 15, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Question for RobertT
Replies: 45
Views: 11684

Re: Question for RobertT

Do you still believe value premium exists? it hans't outperformed over the past several years, except for a fews years from the tech crash all the way up to the financial crisis. Before and after that in practice small value appears to have done almost same or underperformed small growth / blend.
by Elysium
Tue Mar 06, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: 14yr old son wants to invest
Replies: 20
Views: 1633

Re: 14yr old son wants to invest

My son had $1000 to invest on his 13th birthday, and he came up with idea of buying AAPL stock because he had a Mac and liked the iPhone. I suggested buying the broad market / 500 index and we discussed little bit about single company risk vs. market risk. After all that he wanted to put his money i...
by Elysium
Tue Feb 27, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Plan administration expenses for IBM 401k
Replies: 16
Views: 1346

Re: Plan administration expenses for IBM 401k

You should be able to find out from the transactions history in your account. They will usually sell shares of the fund in question to pay the administrative fees and it will be marked exactly as that. These are very tiny transactions, depending on your balance in the fund. If there are no transacti...
by Elysium
Mon Feb 26, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: GMO forecast
Replies: 26
Views: 3048

Re: GMO forecast

. I earlier set-up a portfolio (for tracking purposes) a long time ago now, that weights allocations based on GMO expected returns using all the 6 equity asset classes and 4 of the bond asset classes (cash, US government bonds, TIPS, and EM bonds) included in the GMO forecasts. An allocation is onl...
by Elysium
Sat Feb 24, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 118
Views: 11140

Re: Larry Swedroe: What Investors Should Worry About

I am not even convinced about the factor risks at this point. Most likely they are another backward looking, mired in data mining, active strategy intended to make people believe there is something when nothing actually exists. Factor proponents have not been able to explain Small Growth performance...
by Elysium
Sat Feb 24, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 41
Views: 5153

Re: Still lose with bonds even at duration

Ok, doesn't matter, the larger point is invest in what you are comfortable, don't think you are going to outsmart the bond market by trying to pick a time to stay out and then jump in. Yes, I agree. I just don't see the point in jumping into the bond fund market - I'm not advocating timing. I would...
by Elysium
Sat Feb 24, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 41
Views: 5153

Re: Still lose with bonds even at duration

Knowing nothing about the direction of future interest rates, the best predictor of bond returns are current yields, as of friday TBM index has a 30 day SEC yield of 2.93%, and an average duration of 6.1 years. The best 5 year CDs in the market has a rate of 2.5%. Only with the CD you are guarantee...
by Elysium
Sat Feb 24, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 41
Views: 5153

Re: Still lose with bonds even at duration

The point is, unless someone has a crystal ball that tell them exactly when rates are going to rise and when they will stop rising, there is no way to stay out of bonds and into stable value / CDs without risking either losing additional bond returns, or accepting lower returns in a rising rate env...