Search found 10 matches

by LotinElite
Fri Apr 02, 2010 7:10 am
Forum: Investing - Theory, News & General
Topic: Age in bonds - is it worth it? Not really.
Replies: 105
Views: 16608

The online article includes more aggressive holdings, with average returns up to 11.4%, but the spread over the past 36 years between the most conservative portfolio and the most aggressive has been only 3.2%. (Ed. Note: the print article reviews 1970-2008 while the online article is from 2007 and ...
by LotinElite
Fri Apr 02, 2010 5:18 am
Forum: Investing - Help with Personal Investments
Topic: Should Portfolio have REIT and if so, what %?
Replies: 42
Views: 17553

Hmm. How much does their house yield I wonder. Heh, I bet it was doing great until a couple years ago. Like I said, I don't really buy the argument. I just figured someone was going to bring it up eventually, so just get it out of the way. No, I meant actual Yield, not return. The real answer is ne...
by LotinElite
Fri Apr 02, 2010 3:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for 23 yr old
Replies: 33
Views: 4848

Re: Portfolio Advice for 23 yr old

Investing is not all about the hot pursuit of maximum returns. I notice that it's newer investors who suggest 100% stock. Are you only looking at returns over the past 1 year? For the past ten years, portfolios with the lowest stock allocations beat 100% stock portfolios. Total bond market even bea...
by LotinElite
Thu Apr 01, 2010 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should Portfolio have REIT and if so, what %?
Replies: 42
Views: 17553

I think REIT is a waste of time and energy. When I started out investing I had it at 10% of stocks. I've now settled on an AA without it. It's basically an extremely highly leveraged version of VTI. Whatever VTI does, VNQ does x5. Why bother. Plus it eats up tax-advantaged space. For the 25 years s...
by LotinElite
Thu Apr 01, 2010 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 73
Views: 12044

History has shown that the US dollar is as susceptible to currency risk as anyone else. Currency risk is caused by the relative movement of currencies. It is not a figure of merit for the soundness of a currency. For any investor who gets paid and makes virtually all his purchases in the currency o...
by LotinElite
Thu Apr 01, 2010 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 73
Views: 12044

For me, diversification is not a rationale for international investing. It's entirely possible to have a well diversified portfolio containing a majority of foreign stocks. It's much simpler than that: The opportunities for companies outside the US are too good to pass up. If you want to make it abo...
by LotinElite
Thu Apr 01, 2010 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for 23 yr old
Replies: 33
Views: 4848

Re: Portfolio Advice for 23 yr old

Tax Rate: 15% Federal 6% State Age: 23 Desired Asset allocation:100%/0% (stocks/bonds) Intl allocation: 40% of stocks Current portfolio 42k nimo, welcome to the Bogleheads Forum. Congratulations on the early start... you are doing terrific. There are a few of issues. - First, with 0% Bonds you don'...
by LotinElite
Thu Apr 01, 2010 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 73
Views: 12044

nisiprius wrote:Ah, here it is. I knew I had it around here somewhere. This is Fidelity's picture, from an article advocating foreign stock:
I think if your only aim in investing internationally is diversification you're missing a piece of the puzzle.
by LotinElite
Thu Apr 01, 2010 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should Portfolio have REIT and if so, what %?
Replies: 42
Views: 17553

I would absolutely recommend an REIT in a tax advantaged portion of your portfolio of at least 5% of the portfolio.
by LotinElite
Thu Apr 01, 2010 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 73
Views: 12044

Technically speaking, isn't any allocation that is less than international equity market weight a tilt towards domestic equity? I would be interested to know why people typically tilt somewhat heavily to domestic. I understand it is popular to tilt towards domestic small cap and/or value - historic...