Search found 1020 matches

by Elysium
Wed May 09, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: Question for Australia residents (store gift idea)
Replies: 4
Views: 287

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: 4067

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: 430

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: 430

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: 2414

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: 5988

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: 2429

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: 15663

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: 15663

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: 15663

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: 739

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: 1142

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: 6677

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: 4562

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: 15
Views: 2073

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: 2840

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: 15
Views: 2073

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: 15
Views: 2073

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: 12274

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: 1676

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: 6647

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: 600

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: 3286

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: 6235

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: 6235

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: 2875

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: 3238

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: 11208

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: 1547

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: 1177

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: 2786

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: 10628

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: 4986

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: 4986

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: 4986

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...
by Elysium
Fri Feb 23, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 118
Views: 10628

Re: Larry Swedroe: What Investors Should Worry About

I have high respect for Larry based on his contirbutions over the years in trying to help ordinary investors. That said, I stopped following all the complicated non-correlated alternative investment strategies he is talking about. Many years back Larry used to be big proponent of Commodities as a he...
by Elysium
Fri Feb 23, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 41
Views: 4986

Re: Still lose with bonds even at duration

Surely, sounds that simple. If only the crystall ball is clear on when that rising rate environment is starting and ending. I should know this, since I have been sitting in stable value since 2014 or so with the conviction that rising rate environment is starting anytime, and gave up extra bond ret...
by Elysium
Wed Feb 21, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 41
Views: 4986

Re: Still lose with bonds even at duration

Indeed, the SEC yield calculation may be part of it. Regardless, the more worrying thing is what happens if interest rates go up additional times during those 6 years, so you get additional big drops in NAV because the duration of the fund stays at 6 years, and doesn't shrink as you hold the fund. ...
by Elysium
Sun Feb 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Is Enterprise Architecture worth building career upon?
Replies: 12
Views: 1119

Re: Is Enterprise Architecture worth building career upon?

There is no such thing as building a career upon any specific technology oriented title or function within IT. If you are on to Project Management there is a career to build on, and it is a one way street, no going back. Technology architecture and delivery on the other hand will keep you employed a...
by Elysium
Tue Feb 06, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5450

Re: Want a Safe Car, Feel Guilty

Check out Toyota Avalon, a full size car which is pretty much a Lexus ES, but cheaper and with all the same features and comforts. It came to mind because you mentioned elderly parents, and it has plenty of room everywhere.
by Elysium
Wed Jan 31, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's advice on bond portion of portfolio
Replies: 42
Views: 6525

Re: Vanguard's advice on bond portion of portfolio

This recommendation from Vanguard is somewhat similar to my bond portfolio, which I came up with on my own. 35% Total Bond Instl 30% TIPS Instl 17.5% Short Term Bond Index Adm 17.5% Total Intl Bond Instl The major difference is inclusion of TIPS instead of interm-term suggested by Vanguard. My reaso...
by Elysium
Wed Jan 24, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6647

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 Jan 24, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6647

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 Jan 24, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6647

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 Jan 24, 2018 12:11 am
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6647

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

As someone who HAD almost all of their money in AMZN nearly 20 years ago, not so sure about the yacht part. I used to own a handful of tech stocks back in '99 just like almost everyone else, and AMZN was nearly half of my starter portfolio which was minimal back then. Amazon's IPO turned 20 a few m...
by Elysium
Tue Jan 23, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6647

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

Is this strategy awesome or am I setting myself up for doom? 20 years ago, Netscape, AOL, Yahoo, Nortel, and Enron were all hot stocks to be involved in --- Amazon existed, and if you had invested all your money in them, you'd probably be on some yacht somewhere not posting here . As someone who HA...
by Elysium
Mon Jan 01, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 282
Views: 52582

Re: I'm Calling an Emerging Markets Bottom

Been in EM since 2006, it goes up, it goes down, that's the way it rolls. The beauty of diversification is that it actually works, and in both directions. That's why we hold non-correlated assets, and no guarantee of higher returns ever. Re-balancing rule takes away the need to guess timing correct,...
by Elysium
Sun Dec 17, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) employer matching
Replies: 8
Views: 691

Re: Solo 401(k) employer matching

Good point about the form. Going back to the contributions part, just to re-confirm, after making the FICA deductions from Dec paycheck the remaining amount can be salary deferral if need to be. As for the profit sharing contributions, it can be any amount as long as the total for the year remains u...
by Elysium
Sat Dec 16, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) employer matching
Replies: 8
Views: 691

Re: Solo 401(k) employer matching

A one-participant 401k does not have employer matching. It has non-elective employer contributions that bear no relationship to the employee deferrals. While the employee deferrals must be deducted from compensation not already received with a pay date on or before 12/31. The employer has until the...
by Elysium
Sat Dec 16, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) employer matching
Replies: 8
Views: 691

Solo 401(k) employer matching

Quick question to clarify my understanding of solo 401k employer matching contributions. Consider the following: Joe is 45 yeard old, and only employee of his s-corp. He paid himself $96,000 in w2 wages in 2017, with monthly pay check of $8,000 every month. He is eligible to contribue $18,000 maximu...