Search found 33257 matches

by Valuethinker
Tue Jan 16, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Clarification on bond choices [UK]
Replies: 7
Views: 331

Re: Clarification on bond choices [UK]

Perfect. Based on this I have changed the Euro bond fund for a Gilt fund. Arguably direct gilts might be better for that portion but at least with ETFs it is a more explicit what you see is what you get. That leaves me: 50% 1-3 year US Treasury https://www.ishares.com/uk/individual/en/products/2517...
by Valuethinker
Tue Jan 16, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio design (U.K)...Please?
Replies: 8
Views: 394

Re: Help with portfolio design (U.K)...Please?

Thank you valuethinker all very helpful. My reason for weighting more towards u.s than u.k is probably a reflection of most of my reading and longer term belief in u.s market. But you have to believe that the market does not already factor that into its valuation of the US and non-US markets. That ...
by Valuethinker
Tue Jan 16, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Clarification on bond choices [UK]
Replies: 7
Views: 331

Re: Clarification on bond choices [UK]

Thanks for the food for thought. Interestingly I had considered buying a couple of short date GILTs independently through my broker. You avoid the OCF but lose the diversification (within the fund). That said as you have outlined I don’t see credit risk as being an issue so I don’t see a lack of in...
by Valuethinker
Sun Jan 14, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7551

Re: REIT or No REIT

I would not but any private reits. Don't trust them. I own AIV, MAA, EQR, IRT atm. Might consider avalon after more research. That's pretty much the BH consensus, I think. Lots of horror stories here by people who got suckered into them by financial advisers, are now trying to get out (that can tak...
by Valuethinker
Sun Jan 14, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7551

Re: REIT or No REIT

I feel that you can get a lot of exposure to all but the residential real estate sector just through a broad market index. And if commercial REITs fall because of online shopping, stocks like Amazon will rise to compensaate for that. But I do think the residential real esate sector (especially sing...
by Valuethinker
Sun Jan 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2363

Re: Is this solar panel bid reasonable?

Having been in the PV industry for a dozen years, owning 30% of an installation company in the South Bay Area and currently a product manager at a company that manufactures inverters for the PV industry I can't believe the misinformation and just plain wrong ideas and concepts being discussed as fa...
by Valuethinker
Sun Jan 14, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Clarification on bond choices [UK]
Replies: 7
Views: 331

Re: Clarification on bond choices [UK]

I have done my research and was hoping that some more experienced users could confirm my understanding and approach. I have chosen my AA and begun investing the equity portion. I am now looking to invest the bond portion. The intention of bonds in my portfolio is to act as a diversification tool to...
by Valuethinker
Sun Jan 14, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 42
Views: 3377

Re: Energy sector time to turn around?

Do read Dieter Helm's Burn Out. It really does sketch out where this world is going. I do suspect he has an opinion on the matter. Here's another http://corporate.exxonmobil.com/en/energy/energy-outlook Both are biased. I suspect one is biased toward selling books , and one is biased toward long te...
by Valuethinker
Sun Jan 14, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio design (U.K)...Please?
Replies: 8
Views: 394

Re: Help with portfolio design (U.K)...Please?

Hi All I'm new to investing and after reading common sense investing and Bogleheads guide I've taken the plunge and set up a Vanguard U.K account. The problem I'm having at the moment is that Vanguard U.K offers different selection and think a more limited choice of mutual fund/ETF's this is also t...
by Valuethinker
Sun Jan 14, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7551

Re: REIT or No REIT

I'm helping my brother with his long term investing. He does not have access to a tax-advantaged account at the moment. Perhaps in 2-3 years but still uncertain. The allocation I would like for him is: 80% Stocks (US, Dev-Ex US, EM) 10% Reits (US, International) 10% US long term bonds The Question ...
by Valuethinker
Sat Jan 13, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 879

Re: Pension service credit purchase: yes or no?

I'm currently a public school teacher in the middle of my 2nd year of teaching in WA with 9 years of additional experience teaching in TX. The WA teacher's pension program has a service credit purchase (buy-back) provision allowing me to purchase up to 7 years of experience teaching in another stat...
by Valuethinker
Sat Jan 13, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1537

Re: mlp's Master Limited Partnerships

Does anyone here own any of these? i think i have watched every youtube video on these. They are very intriguing investments. I am well aware of the tax implications and the high volatility. Are these just a no no in the bogleheads community? Like some thoughts, expierences etc etc on these. If you...
by Valuethinker
Sat Jan 13, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 42
Views: 3377

Re: Energy sector time to turn around?

I was thinking of buying an energy sector ETF with a bit of play money, for what it's worth. Seems like it may have bottomed out, but you never know. Does anyone know of an energy ETF that contains alternatives? VDE apparently only has fossil fuel stocks, as far as I can tell. The renewable energy ...
by Valuethinker
Sat Jan 13, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 42
Views: 3377

Re: Energy sector time to turn around?

I was thinking of buying an energy sector ETF with a bit of play money, for what it's worth. Seems like it may have bottomed out, but you never know. Does anyone know of an energy ETF that contains alternatives? VDE apparently only has fossil fuel stocks, as far as I can tell. The renewable energy ...
by Valuethinker
Sat Jan 13, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 42
Views: 3377

Re: Energy sector time to turn around?

Fossil fuels are nowhere near death. There are still over a billion people on the planet that do not even have electricity. Demand growth is driven by non-OECD countries, so demand (and emissions) reduction you see in developed countries is mostly irrelevant. Electric vehicles will not supplant oil...
by Valuethinker
Fri Jan 12, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 105
Views: 17324

Re: Study: The Rate of Return on Everything, 1870-2015

I can't argue with the logic of any of what I read above, regarding why the USA will remain pre-eminent and prosperous. All good arguments. The problem is, however, that there are so many possibilities in the world, that it is easy to come up with a convincing argument to support just about any rea...
by Valuethinker
Fri Jan 12, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Brazilian Boglehead needs help with Ireland Domiciled ETFs
Replies: 9
Views: 373

Re: Brazilian Boglehead needs help with Ireland Domiciled ETFs

Hi msk, What country do you live? I am using the time to have my account approved to interact here and get some opinions to take into consideration. I need to invest in Ireland ETFs to escape from paying 30% of distribution in taxes as a Brazilian. They way I figured out to do it is buying ETFs tha...
by Valuethinker
Fri Jan 12, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2363

Re: Is this solar panel bid reasonable?

I have decided (I think) to purchase solar panels for a home in Colorado (great sun exposure). Want to take advantage of federal investment tax credit before it expires (30% through 2019, then starts decreasing). I received two bids: (a) LG 350 W panels, total 7.7kW system. It would produce 8162 kW...
by Valuethinker
Fri Jan 12, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2363

Re: Is this solar panel bid reasonable?

Option (a) has a payback period of 21 years. Option (b) has a payback period of 14 years assuming all of your numbers/estimates are correct. I would pick (b), especially given that you have a preference for it. However, I might ask how long such systems last. This feels a bit like buying a bond tha...
by Valuethinker
Fri Jan 12, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Pfandbriefe: a better investment in high quality bonds?
Replies: 19
Views: 1143

Re: Pfandbriefe: a better investment in high quality bonds?

Otherwise there are Emerging Market bond funds, and the bonds in those are normally USD bonds-- yields will again be somewhat higher. Yes, also there are some EM bonds in Euros (I don't know whether they are issued in Euros (the Morningstar cathegory in France is called Obligations Marchés Emergent...
by Valuethinker
Fri Jan 12, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2363

Re: Is this solar panel bid reasonable?

I have decided (I think) to purchase solar panels for a home in Colorado (great sun exposure). Want to take advantage of federal investment tax credit before it expires (30% through 2019, then starts decreasing). I received two bids: (a) LG 350 W panels, total 7.7kW system. It would produce 8162 kW...
by Valuethinker
Fri Jan 12, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Zimbabwe stock market acting strangely again
Replies: 15
Views: 1867

Re: Zimbabwe stock market acting strangely again

Having been to Zimbabwe, I would wonder about the sanity of anyone investing in their stock market. Where should a Zimbabwean citizen invest and how should they do it? What bank and brokerage should they open an account with? Most require you to submit a bank statement from a bank in a country that...
by Valuethinker
Fri Jan 12, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Pfandbriefe: a better investment in high quality bonds?
Replies: 19
Views: 1143

Re: Pfandbriefe: a better investment in high quality bonds?

Otherwise there are Emerging Market bond funds, and the bonds in those are normally USD bonds-- yields will again be somewhat higher. Yes, also there are some EM bonds in Euros (I don't know whether they are issued in Euros (the Morningstar cathegory in France is called Obligations Marchés Emergent...
by Valuethinker
Fri Jan 12, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Pfandbriefe: a better investment in high quality bonds?
Replies: 19
Views: 1143

Re: Pfandbriefe: a better investment in high quality bonds?

I'd rather hold a global government bond fund-- diversifies across credit risk. If I didn't trust on my own government to make good the 100k EUR deposit guarantee for financial institutions. trouble is, they are quite volatile - last year they lost more than 5% (largely because of currency risk I t...
by Valuethinker
Fri Jan 12, 2018 5:53 am
Forum: Forum Issues and Administration
Topic: [New forum request] International investing and US non-resident section
Replies: 20
Views: 1859

Re: EU investing

I've lived in several countries and some information of a couple more. If there is anything more parochial than an American that thinks the whole world is like the US it is a [insert demonym] who thinks the entire world is like [insert place name]. I gather you've lived in England, then? ;-). (I kn...
by Valuethinker
Fri Jan 12, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Another Chemical Engineer salary history
Replies: 21
Views: 4519

Re: Another Chemical Engineer salary history

Graduated with BS in ChemE. Obtained PE License, but allowed it to lapse :happy Currently employed as a Nuclear Engineer. $130K salary with $55K in bonus and deferred compensation. Low cost of living location with low crime and minimal congestion. My father worked in nukes near you in Ontario. Reti...
by Valuethinker
Fri Jan 12, 2018 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Pfandbriefe: a better investment in high quality bonds?
Replies: 19
Views: 1143

Re: Pfandbriefe: a better investment in high quality bonds?

I'd rather hold a global government bond fund-- diversifies across credit risk. If I didn't trust on my own government to make good the 100k EUR deposit guarantee for financial institutions. trouble is, they are quite volatile - last year they lost more than 5% (largely because of currency risk I t...
by Valuethinker
Thu Jan 11, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Bonds - Short or Longer Term Duration?
Replies: 11
Views: 882

Re: Inflation Protected Bonds - Short or Longer Term Duration?

And, of course, again, compensated for inflation does not equate to being correlated with inflation. Why one would measure the benefit by the latter rather than the former is a question to ask. Longer TIPS have more real interest rate risk but do not lack one bit in being compensated for inflation....
by Valuethinker
Thu Jan 11, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond mix
Replies: 5
Views: 335

Re: Stock/bond mix

I am 1-2 years away from retirement. I am very secure financially. At present, I feel very comfortable with 55% stocks. My problem with the other 45% mostly in Vanguard Limited and Vanguard Intermediate Muni funds is the very limited upside potential and significant downside if interest rates conti...
by Valuethinker
Thu Jan 11, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Bonds - Short or Longer Term Duration?
Replies: 11
Views: 882

Re: Inflation Protected Bonds - Short or Longer Term Duration?

And, of course, again, compensated for inflation does not equate to being correlated with inflation. Why one would measure the benefit by the latter rather than the former is a question to ask. Longer TIPS have more real interest rate risk but do not lack one bit in being compensated for inflation....
by Valuethinker
Wed Jan 10, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 100
Views: 7626

Re: Kodakcoin

Yes, there's a mania. Maybe this one will be different from all the others, maybe this time someone has actually discovered the secret of work without wealth that will make everyone who participates effortlessly rich. Maybe we all can actually get rich, this time. This perfectly describes what is g...
by Valuethinker
Wed Jan 10, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: adjust the ratio of stock/bond?
Replies: 10
Views: 760

Re: adjust the ratio of stock/bond?

Thanks for the input , my great boglers :happy Yeah, I should know my risk tolerance and hold a AA no matter in good time or bad time. And nobody in any place can successfully and consistently predict the market! Btw, to be honest, I personally have not experienced market crash like 2008, maybe...I...
by Valuethinker
Wed Jan 10, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 207
Views: 22670

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

The U.S. is monetarily sovereign - meaning it is a currency issuer, and the U.S. federal government, like the Japanese government, and any other country that issues its own currency, cannot go bankrupt, ever. These countries can always pay their debts. Do a google search and learn about "Modern Mon...
by Valuethinker
Wed Jan 10, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 1914

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

Lots of good advice already, and it's hard to go wrong. Bavaria is a wonderful area to visit. The people are friendly and speak English well. The scenery is beautiful in the Spring. There is lots of history and interesting architecture. The food is good but reasonably priced compared to some parts ...
by Valuethinker
Wed Jan 10, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 1914

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

I lived in Bayern for about 5 years. My two cents is to do time in Munich (4-5 days...could include one early morning departure to Salzburg with a late return, it is 2 hours on a regional train with a Bayern Ticket) and 2-3 days in somewhere like Bamberg. Nürnberg is nice, but it is an hour or so u...
by Valuethinker
Wed Jan 10, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 100
Views: 7626

Re: Kodakcoin

The craziness is not abating.

Kodak was a victim of the digital age. Haven't looked at what this b/c application is.
by Valuethinker
Wed Jan 10, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: I'm Simply Not on the Same Plane As You
Replies: 25
Views: 4513

Re: I'm Simply Not on the Same Plane As You

But for a guy who is headed to 70 who is not up on balancing and who has rode Enron down to nothing... two (2) failed marriages ($$$$) I'm highly conservative. This is about my kids whom I wish to leave some sense of security.... How awful is this allocation: Cash 2% CDs Roth 35% CD Not Roth 3% Rea...
by Valuethinker
Wed Jan 10, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Bonds - Short or Longer Term Duration?
Replies: 11
Views: 882

Re: Inflation Protected Bonds - Short or Longer Term Duration?

While looking at Vanguard inflation protected bond funds they have both a short term fund VTIPX (vanguard short term inflation protected bond fund) and a fund with a much longer duration - VIPSX (Vanguard Inflation protected securities). For those that want to have inflation protected bond funds in...
by Valuethinker
Wed Jan 10, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Options on World Stocks similar to Options on SPY?
Replies: 8
Views: 303

Re: Options on World Stocks similar to Options on SPY?

So if we have a global depression (and in early 2009 the world economy was falling faster than it did in the early 1930s, by some measures) or a major war, well, it's rational for stocks to be worth less, because the future for making profits in is diminished. Interesting thought, why does war mean...
by Valuethinker
Wed Jan 10, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Options on World Stocks similar to Options on SPY?
Replies: 8
Views: 303

Re: Options on World Stocks similar to Options on SPY?

Thanks! Looks great. I normally buy Calls after at least a 25% drop from peak, and then buy more Calls when the drop goes further to 30/35%... I think we'll all see the panic that sets in on this board when that happens. While history does not really repeat, my previous attempts on SPY turned out v...
by Valuethinker
Wed Jan 10, 2018 6:31 am
Forum: Investing - Theory, News & General
Topic: Bogleheadish investing books in Australia?
Replies: 7
Views: 552

Re: Bogleheadish investing books in Australia?

Hi all, I would like to know if there are any good local investing books that are 'bogleheadish'? I'm looking for books by Australian authors, because I would like to find information on Australia-specific topics such as Superannuation and insurance (in Aus) etc. Cheers :sharebeer I don't know the ...
by Valuethinker
Wed Jan 10, 2018 6:07 am
Forum: Investing - Theory, News & General
Topic: Bogleheadish investing books in Australia?
Replies: 7
Views: 552

Re: Bogleheadish investing books in Australia?

I used to go for my annual long vacations to Australia and ran across a book on building up a real estate portfolio by some lady. She explained, step by step, how to go about it, including all that bonanza from negative tax, etc. It sounded absolutely fantastic and I gave the book to an Australian ...
by Valuethinker
Wed Jan 10, 2018 4:10 am
Forum: Investing - Theory, News & General
Topic: The dot-com/blockchain bubble of the 1920s: Utility stocks
Replies: 15
Views: 1620

Re: The dot-com/blockchain bubble of the 1920s: Utility stocks

Yes, Samuel Insull. There is a trilogy of novels by James T. Farrell that I really love, collectively called Studs Lonigan : Young Lonigan , The Young Manhood of Studs Lonigan , and Judgement Day . The third one helped me personally understand the stock mania of the 1920s better than any nonfiction...
by Valuethinker
Wed Jan 10, 2018 3:12 am
Forum: Investing - Theory, News & General
Topic: The dot-com/blockchain bubble of the 1920s: Utility stocks
Replies: 15
Views: 1620

Re: The dot-com/blockchain bubble of the 1920s: Utility stocks

.It's the underlying argument that the pace of technological innovation has slowed dramatically since then (I think the airplane, the motor car and the tv are included in the past period).. Who says so ??? http://faculty.chicagobooth.edu/chad.syverson/research/ITrevolution.pdf https://www.vox.com/a...
by Valuethinker
Wed Jan 10, 2018 2:57 am
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4169

Re: PE firm is buying my [medical] practice. Help!

Thank you everyone for your outstanding replies. Huge help. I remain in awe of the collective knowledge of the Boglehead community! We still don't understand what you are being offered: - if it is the chance to invest in their fund ask for past performance of funds (it should be audited- IRR calcul...
by Valuethinker
Wed Jan 10, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: The dot-com/blockchain bubble of the 1920s: Utility stocks
Replies: 15
Views: 1620

Re: The dot-com/blockchain bubble of the 1920s: Utility stocks

Yes, Samuel Insull. There is a trilogy of novels by James T. Farrell that I really love, collectively called Studs Lonigan : Young Lonigan , The Young Manhood of Studs Lonigan , and Judgement Day . The third one helped me personally understand the stock mania of the 1920s better than any nonfiction...
by Valuethinker
Wed Jan 10, 2018 2:39 am
Forum: Investing - Theory, News & General
Topic: The dot-com/blockchain bubble of the 1920s: Utility stocks
Replies: 15
Views: 1620

Re: The dot-com/blockchain bubble of the 1920s: Utility stocks

Yes, Samuel Insull. There is a trilogy of novels by James T. Farrell that I really love, collectively called Studs Lonigan : Young Lonigan , The Young Manhood of Studs Lonigan , and Judgement Day . The third one helped me personally understand the stock mania of the 1920s better than any nonfiction...
by Valuethinker
Tue Jan 09, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Value of ESG?
Replies: 11
Views: 689

Re: Value of ESG?

My own preference is to index as broadly as possible and directly give money to causes, like Rainforest Action Network, where I can. +1 I believe this is the best strategy both for my finances and for the causes I believe in. For an American it can also be far more tax efficient as I understand it?...
by Valuethinker
Tue Jan 09, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 286
Views: 23958

Re: Year 2000 retirees using the '4% rule' - Where are they now?

The forward projections don't work if you assume 0% real return on bonds, and 3% on equities, going forward? In other words, this is not as reassuring as one might think. Because from memory bonds were paying 4-5% yields in 2000? Yes it was a bad time for equities, but not for bonds. Bonds now? 0% ...
by Valuethinker
Tue Jan 09, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 286
Views: 23958

Re: Year 2000 retirees using the '4% rule' - Where are they now?

The forward projections don't work if you assume 0% real return on bonds, and 3% on equities, going forward? In other words, this is not as reassuring as one might think. Because from memory bonds were paying 4-5% yields in 2000? Yes it was a bad time for equities, but not for bonds. Bonds now? 0% ...