Search found 93 matches

by workingatit
Sat Apr 04, 2020 1:44 am
Forum: Investing - Theory, News & General
Topic: International stocks are undervalued!
Replies: 83
Views: 9126

Re: International stocks are undervalued!

SevenBridgesRoad wrote:
Fri Apr 03, 2020 11:35 pm
One Fund Portfolio: Vanguard Target Retirement Income Fund VTINX. I let Vanguard worry about my international allocation.
I’ve been eyeing this for some time but now am not sure about the heavy bond load with low yields.
by workingatit
Sat Apr 04, 2020 1:39 am
Forum: Investing - Theory, News & General
Topic: International stocks are undervalued!
Replies: 83
Views: 9126

Re: International stocks are undervalued!

Which funds do you all specifically suggest in this group, for someone who wants diversification from VT? Diversification away from what? VT is appropriately already heavily ex-US. It seemed like the OP was listing small-cap funds, so I was asking which ones might best complement VT, which I though...
by workingatit
Fri Apr 03, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: International stocks are undervalued!
Replies: 83
Views: 9126

Re: International stocks are undervalued!

Which funds do you all specifically suggest in this group, for someone who wants diversification from VT?
by workingatit
Tue Mar 24, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Munis getting slaughtered!
Replies: 194
Views: 18434

Re: Munis getting slaughtered!

Why are yields low on muni, and perhaps other, bond funds (not talking mmf’s) after prices dropped?
by workingatit
Mon Apr 23, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 95
Views: 15077

Re: Yield Curves-Treasury, CD, AA/AAA muni

what will be the impact of the multiple expected rate increases this and next year on this data? iow, if yields are expected to go up, why would one want to buy and lock in these current rates?

and Kevin, this is great information, thank you
by workingatit
Wed Jul 16, 2014 2:06 pm
Forum: Investing - Theory, News & General
Topic: New Edition of Random Walk in January 2015
Replies: 33
Views: 3136

Re: New Edition of Random Walk in January 2015

what is his current recommendation for during and w/in 5 yrs of retirement? Anything you like! I believe that's the point. As nisiprius has written, how can anyone follow somebody's long-term strategy suggestion if the person making the suggestion changes it repeatedly over the short to medium term...
by workingatit
Wed Jul 16, 2014 1:40 pm
Forum: Investing - Theory, News & General
Topic: New Edition of Random Walk in January 2015
Replies: 33
Views: 3136

Re: New Edition of Random Walk in January 2015

what is his current recommendation for during and w/in 5 yrs of retirement?
by workingatit
Wed Jul 16, 2014 12:14 pm
Forum: Investing - Theory, News & General
Topic: Fully Invested vs Cash Available to invest
Replies: 7
Views: 1141

Re: Fully Invested vs Cash Available to invest

No. Boglehead philosophy would say that the practice of keeping cash on the sidelines would be a losing bet. You'd be missing out on returns, losing money in inflation, all the while waiting for a market 'correction' that you don't know the magnitude of or the timing of. If cash or bonds at a given...
by workingatit
Wed Jul 16, 2014 12:10 pm
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 11944

Re: POLL: Do you have a dedicated REIT allocation?

i thought in 4 pillars, one of guidebooks for bogleheads, reits were generally recommended?
by workingatit
Mon Jun 23, 2008 12:49 pm
Forum: Personal Investments
Topic: muni fund: closed end etf ?
Replies: 6
Views: 1479

ken, thanks for the responses you have summarized what my original question really was: whether to use one of the closed end etf's that your link discusses (i had found them on etfconnect.com), or to switch to another open end fund (such as vg intermediate national muni, or fidelity ohio muni fund) ...
by workingatit
Mon Jun 23, 2008 10:56 am
Forum: Personal Investments
Topic: muni fund: closed end etf ?
Replies: 6
Views: 1479

ohio is the state
if i switch to a national muni fund i lose state tax exemption
so trying to decided b/t another state specific fund (outside of vg) or going to vg's intermediate muni fund
thanks, w
by workingatit
Sun Jun 22, 2008 8:07 pm
Forum: Personal Investments
Topic: muni fund: closed end etf ?
Replies: 6
Views: 1479

muni fund: closed end etf ?

i would like to tax loss harvest a muni mutual bond fund
by workingatit
Sun Jun 08, 2008 2:55 pm
Forum: Investing - Theory, News & General
Topic: Ten years ago
Replies: 16
Views: 3886

is there any update to this 10 year old article that anyone knows of? perhaps things have changed since then

thanks, w
by workingatit
Thu May 29, 2008 8:37 am
Forum: Investing - Theory, News & General
Topic: international bond unhedged recommendation
Replies: 6
Views: 1683

thanks for the suggestion of getting currency exposure through equities as i have chosen fixed income in my asset allocation and am trying to keep quality high, government issues are high on the list. wouldn't it make sense to include many governments? this would be diversification of credit if noth...
by workingatit
Thu May 29, 2008 8:24 am
Forum: Investing - Theory, News & General
Topic: international bond unhedged recommendation
Replies: 6
Views: 1683

i will double-check, but think i cannot get automatic dividend reinvestment of etf's at my current broker. would prefer not to transfer d/t fees and effort, but will also look into this b/c may be the best option

thanks, w
by workingatit
Thu May 29, 2008 7:56 am
Forum: Investing - Theory, News & General
Topic: international bond unhedged recommendation
Replies: 6
Views: 1683

international bond unhedged recommendation

any thoughts on what to use for this asset class? right now thinking of SPDR Lehman International Treasury Bond ETF (BWX) or T Towe Price (RPIBX) had considered pimco's (pfoax, i think) but appears to have a front end load this is an ira; prb w/bwx is cannot use dividends to automatically repurchase...
by workingatit
Mon Apr 07, 2008 8:35 pm
Forum: Investing - Theory, News & General
Topic: Updated Modification of Harry Browne Permanent Portfolio
Replies: 3555
Views: 1399591

this has been a great thread if nothing else, it's an alternative for discussion purposes to the more common investment approaches seen here thanks all for the contributions particularly craigr has been outstanding w/supplying harry browne info some thoughts from my standpoint: a bond fund is going ...
by workingatit
Thu Apr 03, 2008 8:06 pm
Forum: Personal Investments
Topic: value averaging, beginner
Replies: 3
Views: 1259

have relatively high cash allocation currently, would like to value average into the market if not too complicated

was flippping through edelson's book, looks like it requires more time than i want to put into it right now
by workingatit
Thu Apr 03, 2008 8:03 pm
Forum: Personal Investments
Topic: foreign account
Replies: 5
Views: 1596

bear: would assume that was 3%, not $3 that they were charging you? i can't comment b/c don't know what services you were getting for this my post was in reference to having international rather than domestic location of an account, which could then be used for whatever, such as cash, "boring index ...
by workingatit
Thu Apr 03, 2008 4:28 pm
Forum: Personal Investments
Topic: foreign account
Replies: 5
Views: 1596

thanks
prb though is single gov't risk if everything is in the us system
by workingatit
Thu Apr 03, 2008 12:00 pm
Forum: Personal Investments
Topic: value averaging, beginner
Replies: 3
Views: 1259

value averaging, beginner

have just scratched the surface of this topic

however, at first glance seems like may be complicated and time consuming

anyone have advice or simple way to create a plan?

in my case would like to set a dollar amount as the goal and work toward it, rather than a time point

thanks
by workingatit
Thu Apr 03, 2008 11:55 am
Forum: Personal Investments
Topic: foreign account
Replies: 5
Views: 1596

foreign account

have read about some benefits that these may provide

anyone have experience or advice relating to this?

referring to bank accounts, annuities, etc.

will have to look at us taxation of this as well

thanks
by workingatit
Wed Apr 02, 2008 10:00 pm
Forum: Investing - Theory, News & General
Topic: switching from GWX to SCZ
Replies: 20
Views: 4822

in tlh like you describe, wouldn't it be best to market order each of these, one immediatly following the other, in order to quickly execute and not be holding both (and panicking), even though you may have a little additional spread expense? i've been doing it in more liquid etf's than these, tlh t...
by workingatit
Mon Mar 31, 2008 9:33 pm
Forum: Investing - Theory, News & General
Topic: low level dividends today
Replies: 49
Views: 6906

is vanguard's high dividend yield etf, or dividend appreciation etf, a good choice?
by workingatit
Sat Mar 15, 2008 6:05 pm
Forum: Investing - Theory, News & General
Topic: Hey bottom-fishers, what looks cheap?
Replies: 22
Views: 5069

rose: can you give examples of the junior minors you are referring to, or a way to access this group as a whole?

others: what is dre that you are referrring to? thought it might be an etf, but not showing up as such when i searched etf connect

thanks
by workingatit
Sat Mar 15, 2008 5:56 pm
Forum: Investing - Theory, News & General
Topic: gmo 7 year forecast----high quality us
Replies: 35
Views: 9636

thanks for the thoughts

i wonder if iShares Dow Jones Select Dividend Index Fund (DVY) would be a good proxy for u.s. high quality equity?
by workingatit
Tue Feb 19, 2008 9:27 pm
Forum: Personal Investments
Topic: Any interest in an online rebalancing tool?
Replies: 12
Views: 3319

orlick: this would be great, would love to try it. easyallocator is a nice tool but incomplete for my needs, as i indicated in a recent thread. just too many impracticalities for me to make good use of. thanks
by workingatit
Sun Feb 17, 2008 9:40 pm
Forum: Personal Investments
Topic: ETF or Pimco fund for international bonds?
Replies: 14
Views: 4035

foreign bonds seem intuitive in my attempt to obtain global diversification in my total portfolio. and i like what i've read supporting them. but that's just me
by workingatit
Sun Feb 17, 2008 9:32 pm
Forum: Personal Investments
Topic: Tracking Gold in your investment portfolio
Replies: 8
Views: 2346

what i do is take the amt of money i have in gold at a point in time, divide by the gld price at that time, and that gives me # of gld shares. then use this share quantity to input into vg or other site to give me the current value (which fluctuates, of course). if i buy or sell have to then adjust...
by workingatit
Sun Feb 17, 2008 12:05 pm
Forum: Personal Investments
Topic: alternative to tips/i-bonds
Replies: 23
Views: 5569

thanks for the responses

mkt timer: i don't know enough about options to venture there at this time
grok: will prb have to do what you say, which is to stay sht term in te bonds in lie of tips d/t limited tax-def options and limited space
by workingatit
Sun Feb 17, 2008 11:35 am
Forum: Personal Investments
Topic: Tracking Gold in your investment portfolio
Replies: 8
Views: 2346

what i do is take the amt of money i have in gold at a point in time, divide by the gld price at that time, and that gives me # of gld shares. then use this share quantity to input into vg or other site to give me the current value (which fluctuates, of course). if i buy or sell have to then adjust,...
by workingatit
Thu Feb 14, 2008 11:58 pm
Forum: Personal Investments
Topic: easy allocator thoughts
Replies: 2
Views: 1221

i see that i can exclude (uncheck) commodities and foreign bonds but, still have the prb of tips/i-bond inaccessability this i mentioned on another post, although not specifically in reference to easyallocator. sorry to be redundant and the issue of small allocation percentages persists curious how ...
by workingatit
Thu Feb 14, 2008 11:47 pm
Forum: Personal Investments
Topic: alternative to tips/i-bonds
Replies: 23
Views: 5569

dave.d interesting fund you've alerted me to must be hard to keep track of asset allocation w/such a splitter, though. i tend to keep a watch on breakdown of gld, general commodities, etc. i do hold merkx, not quite as diverse, mainly using foreign bnds and gld weird that this fund holds us bonds al...
by workingatit
Thu Feb 14, 2008 11:33 pm
Forum: Personal Investments
Topic: I put my down payment money into VBMFX
Replies: 2
Views: 1138

who knows what will happen? definitely not me
i wouldn't have taken that risk, but now that you have i guess it would depend upon can you ride out a potential downturn or do you definitely need the money soon so that no more principal can be risked
good luck, w
by workingatit
Thu Feb 14, 2008 10:45 pm
Forum: Personal Investments
Topic: alternative to tips/i-bonds
Replies: 23
Views: 5569

thanks for the reply i do have 529's (tips available but not reits) and used to include them in my total portfolio but have since chosen not to do that. this is b/c i consider it my retirement portfolio and am separating this future educational obligation from that. i'm not sure if this is right or ...
by workingatit
Thu Feb 14, 2008 10:33 pm
Forum: Personal Investments
Topic: easy allocator thoughts
Replies: 2
Views: 1221

easy allocator thoughts

i like this tool for looking at asset allocations. i appreciate having it available for free at http://www.easyallocator.com/ to quickly view a variety of options however, i am finding some impracticalities in my situation, and i'd like to see what other people's experiences are the easy allocator l...
by workingatit
Thu Feb 14, 2008 10:14 pm
Forum: Personal Investments
Topic: alternative to tips/i-bonds
Replies: 23
Views: 5569

alternative to tips/i-bonds

it has been suggested that tips be used to combat inflation on the fixed income side. however, i'm in highest tax bracket, don't have access in tax deferred accts (limited 401k), and i-bonds are limited to purchase of 10k/yr (i think). can anyone suggest an alternative, or should i just ignore and a...
by workingatit
Wed Feb 13, 2008 6:28 am
Forum: Personal Investments
Topic: AA, input requested: thank you
Replies: 4
Views: 1326

thanks a lot for the responses first, sorry about the style of posting. i did have it on a word document w/two columns next to each other separating taxable and tax-def, then broken into asset classes, but when transferred became a mess so had to try to make do i agree that this is too complicated. ...
by workingatit
Tue Feb 12, 2008 3:05 pm
Forum: Personal Investments
Topic: AA, input requested: thank you
Replies: 4
Views: 1326

AA, input requested: thank you

Hello Diehards: This is a plan from modifying a current portfolio. Only want to risk losing 15-20% of portfolio. Considering re and commod in equity holdings, would be 35/65 overall equity/fixed. In highest fed and st income tax brackets. Have separate emerg. fund. Have equity-like risk in career, h...
by workingatit
Sun Feb 10, 2008 2:24 am
Forum: Investing - Theory, News & General
Topic: % equity in portfolio ?'s
Replies: 10
Views: 2596

thank you for the replies i am looking for something to give me a gauge to set my equity allocation, and this simple formula seems as reasonable as any i've encountered i'm only willing to risk losing 15-20%, and would like a portfolio that reflects this is there a better formula or method to use fo...
by workingatit
Sat Feb 09, 2008 1:36 pm
Forum: Personal Investments
Topic: where to get tax filing software
Replies: 7
Views: 1976

where to get tax filing software

any suggestions for where to get a good deal on tax filing software?

thanks
by workingatit
Sat Feb 09, 2008 1:08 pm
Forum: Investing - Theory, News & General
Topic: how to slice/dice us equities?
Replies: 0
Views: 720

how to slice/dice us equities?

so far i have mainly used tsm, but am interested in adding a rebalancing benefit, so am considering splitting us equity holdings into components is there a guideline for what to hold, and in what %'s? i.e. lg gr, lg val, sm gr, sm v funds and %'s i am intrigued by a recent rebalancing article that s...
by workingatit
Sat Feb 09, 2008 1:03 pm
Forum: Investing - Theory, News & General
Topic: % equity in portfolio ?'s
Replies: 10
Views: 2596

% equity in portfolio ?'s

i like the formula for equity % in a portfolio that has been provided, but need some further clarification maximum tolerable loss x 2 = equity allocation 1. is this max. tolerable loss of the entire portfolio? i.e. i am willing to lose 15-20% of entire portfolio, then 30-40% allocation to equities? ...
by workingatit
Wed Feb 06, 2008 12:18 pm
Forum: Personal Investments
Topic: fundmanager software ?'s
Replies: 9
Views: 2414

thanks for the replies as far as research i really meant to display total returns of funds i wish to review the history on. i want the inclusion of all distributions and nav to be available when inputing a stock/fund symbol. best if lumped together as a total in chart form, to be able to compare to ...
by workingatit
Tue Feb 05, 2008 9:25 pm
Forum: Personal Investments
Topic: fundmanager software ?'s
Replies: 9
Views: 2414

fundmanager software ?'s

are people who use this satisfied with the product?

does it have the ability to research funds and track portfolios while including total returns?

would you recommend it for detailed portfolio tracking?

thank you
by workingatit
Sun Feb 03, 2008 1:43 pm
Forum: Investing - Theory, News & General
Topic: The Great Debate!
Replies: 210
Views: 40502

can we declare a winner by vote? really, for me it's been clear-cut for awhile, and i'd like to at least see what the group at large thinks part of my curiosity relates to questioning whether i am biased, b/c i have implemented advice from each of them over the past few years regarding different iss...
by workingatit
Sun Feb 03, 2008 12:54 pm
Forum: Personal Investments
Topic: portfolio tracking (i.e. software, distributions, etc)
Replies: 2
Views: 968

portfolio tracking (i.e. software, distributions, etc)

i'm trying to track my portfolio, and would like to look at performance of other funds problem is the distribution data, as far as i know, is not included on the web charts i've seen (only nav) and for my portfolio, i have to manually update it each month with the reinvested distribution info for tr...
by workingatit
Sat Jan 26, 2008 9:54 pm
Forum: Investing - Theory, News & General
Topic: vti tlh options
Replies: 3
Views: 1126

thanks all when i checked iyy in the past i found that the volumes were considerably lower. maybe i'll give it another look i intend to hold whatever i switch into indefinitely, as was the case with iwv, but if it drops i look to tlh again, like i'm doing now i only tlh when the amount is sufficient...
by workingatit
Sat Jan 26, 2008 10:28 am
Forum: Investing - Theory, News & General
Topic: vti tlh options
Replies: 3
Views: 1126

vti tlh options

used iwv the week before last from vti for tlh, but that's down now so looking for other etf tlh options that would be suitable since have to wait about 20 days before able to get back into vti. whenever it's enough of a loss it would be nice to capture it

thank you, w
by workingatit
Sat Jan 26, 2008 10:21 am
Forum: Investing - Theory, News & General
Topic: gmo 7 year forecast----high quality us
Replies: 35
Views: 9636

was primecap fund that i saw that was closed. now i see that there is a primecap core fund that is open. what's the sense in having these two? marketing probably. large majority of my portfolio is indexed
thanks,w