Search found 232 matches

by clay
Thu Jul 14, 2011 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Safest place for money?
Replies: 17
Views: 2585

Safest at Vanguard

Maybe most conservative would be better than safest. I'd think FDIC insured is as safe as you'll get, absolute unqualified safety not being in the cards. At Vanguard the Treasury money market fund would be very safe, as noted by the previous poster. But it's closed. So what open fund would be closes...
by clay
Thu Jul 14, 2011 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Safest place for money?
Replies: 17
Views: 2585

Safest place at Vanguard

Here's a variation on the question: suppose you have money at Vanguard already that you can move without penalty. In view of the possibility of failure to raise the debt ceiling, where is the safest place at Vanguard for that money? Note: this is not a question about prudent investing, probability o...
by clay
Sat Jan 08, 2011 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF fees and Vanguard (near) equivalents to TIAA trad
Replies: 7
Views: 2616

Thanks

Many thanks for the patient and excellent help answering my rather uninformed questions. It's helped me a lot.
by clay
Fri Jan 07, 2011 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF fees and Vanguard (near) equivalents to TIAA trad
Replies: 7
Views: 2616

Clarification

This may be relevant. My money in TIAA traditional is in a 403b (pays more but harder to get out quickly) and a 453 (pays less). My question should have been whether fees on these went up in the last couple of years in a way that makes moving as much of the moveable money (some would cost too much t...
by clay
Fri Jan 07, 2011 11:12 am
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF fees and Vanguard (near) equivalents to TIAA trad
Replies: 7
Views: 2616

TIAA/CREF fees and Vanguard (near) equivalents to TIAA trad

I have most of my funds with Vanguard and leave things as they are, subject to a little rebalancing every year or two. But I also have money in the TIAA/CREF traditional account (easier than the alternatives, given where I work). Two questions (thanks in advance for your thoughts). 1. Recently I've ...
by clay
Thu May 07, 2009 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security: 62 vs. 66
Replies: 74
Views: 15465

either/or

Are the intermediate ages that might make sense, i.e., do you get more if you wait until 64 before taking benefits than you get if you take them at 62 (though of course it would be less than if you waited longer)? (This might make sense, say, if one's spouse worked until you turned 64.)
by clay
Fri May 01, 2009 4:47 pm
Forum: Investing - Theory, News & General
Topic: So who thinks the worst is over?
Replies: 58
Views: 9153

?

How is it that in a group that (at least recently) sees market timing as hopeless, some people can confidently predict whether the worst is over? Not that I'm so convinced about market timing in exceptional cases. At some point in the last year, it was pretty clear a train wreck was coming, and I mo...
by clay
Tue Mar 31, 2009 6:05 pm
Forum: Personal Consumer Issues
Topic: Questions regarding Yale University
Replies: 71
Views: 9874

Re: Go to Yale

Practical point: he'll make more money in the long run It's impossible to know if that's true... All those studies showing that the average Yale graduate makes more than the average OU graduate don't mean anything. Well, if empirical studies and statistics don't mean a thing to you that's fine (goo...
by clay
Tue Mar 31, 2009 4:27 pm
Forum: Personal Consumer Issues
Topic: Questions regarding Yale University
Replies: 71
Views: 9874

Go to Yale

I work at OU. But it sounds like your brother is really smart. He DEFINITELY should go to Yale. Practical point: he'll make more money in the long run Almost as important (maybe more, depending on his values): he'll learn a lot more and interact with some of the best minds in the world. There is no ...
by clay
Tue Mar 03, 2009 6:05 pm
Forum: Investing - Theory, News & General
Topic: Is there any level when you will capitulate?
Replies: 107
Views: 16566

No way. The way I see it, if stock market indices go to zero, the size of our portfolios will be the least of our problems. The laws of civilization will be replaced by the law of the jungle. Exactly. And there isn't likely to be any place you can move that will be better (easy to find places that ...
by clay
Tue Mar 03, 2009 6:01 pm
Forum: Investing - Theory, News & General
Topic: Some near retirees took on too much risk
Replies: 37
Views: 5458

I don't know the details about the guy in the original post, but I feel for people like that. Not so long ago a lot of people were saying, well, you still need a fair bit of stock, since you will need to grow your incoming during what might be 20-30 years or retirement. Now all of us are a lot more ...
by clay
Tue Feb 24, 2009 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: What is an Index CD and Where to buy it?
Replies: 15
Views: 3128

Did you Google around? What have you found? Why are you asking us to research a product you know nothing about for you? Lighten up already. If you don't want to answer the question, then don't. The point of this board is to help all sorts of people, including beginners. The question might well elic...
by clay
Sat Dec 13, 2008 11:19 am
Forum: Investing - Theory, News & General
Topic: Deflation isn't so bad
Replies: 60
Views: 9034

Deflation

It may be that because we haven't experienced really serious deflation lately, people don't realize how nasty it can be.
by clay
Sat Dec 13, 2008 11:17 am
Forum: Investing - Theory, News & General
Topic: 403b etc limits for 2009
Replies: 5
Views: 1448

403b etc limits for 2009

Ok, I know this is probably easy to find out there, but on the theory that a little redundancy is no worse than celebrations of deflation and the like, ....

Did the limits for ROTHS and 403b7 (etc) change from 2008 to 2009?

Thanks,
CS
by clay
Thu Oct 09, 2008 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Question for Larry and Rick
Replies: 47
Views: 10119

Rick Ferri wrote:Here is the bottom line. Advisors and money managers sometimes say and do things to help their own business when they do not believe that taking such action will be a long-term negative to investors.


Also, in far too many cases, when they do believe it.
by clay
Thu Oct 09, 2008 3:05 pm
Forum: Investing - Theory, News & General
Topic: AIG Execs spend $440k at a Resort after receiving Fed Loan
Replies: 93
Views: 14226

Rick Ferri wrote:Having been in the financial services business for 20 years, I can tell you that if AIG cancelled this event, it would have sent a very bad signal to the people who are selling their products.


Well, thanks goodness AIG hasn't been the type to send out any bad signals.
by clay
Tue Sep 16, 2008 3:21 pm
Forum: Investing - Theory, News & General
Topic: What if buy and hold is not the way?
Replies: 363
Views: 58995

Re: What if buy and hold is not the way?

ETFnerd wrote:Fundamental research is how you get answers to your questions. Buy and hold discounts the need to learn anything about how the market really works.


Excellent Point! Just one quick question: who is it who knows "about how the market really works"?
by clay
Sun Aug 24, 2008 2:32 pm
Forum: Personal Consumer Issues
Topic: I want to learn to speak Spanish...
Replies: 37
Views: 10547

Peter Foley wrote:While Mike has a point regarding Latin root and vocabulary recognition, I would stick with children's books rather than more complex texts.


Sounds like god advice. Anyone know how to get foreign children's books (in my case I need German, which is harder to find than Spanish).
by clay
Sat Aug 23, 2008 6:48 pm
Forum: Personal Consumer Issues
Topic: I want to learn to speak Spanish...
Replies: 37
Views: 10547

Intensive Foreign Language Courses

Anyone know if there are intensive (say one week long) courses in foreign languages -- I'm interested in German, myself. I'm sure there are in Germany, but given the exchange rates and the amount of time I can scrape together, something closer to home (U.S. midwest) would be nice.

Thanks,
C
by clay
Fri Aug 15, 2008 12:26 pm
Forum: Personal Consumer Issues
Topic: Best Foreign Language cds
Replies: 33
Views: 6961

Re: German

ol_pops wrote:Pronunciation: go here -> http://www.leo.org
Type in the word you want and then click on the "speaker" icon on the right.


Perfect. Many thanks! Now anyone know if I can buy software that does this?
by clay
Thu Aug 14, 2008 4:29 pm
Forum: Personal Consumer Issues
Topic: Best Foreign Language cds
Replies: 33
Views: 6961

Not quite it

These links look good, but aren't quite what I want. I want to be able to check on how to pronounce a given word of German, i.e., I have the word already (e.g. Naturwissenschaften) and want to "look up" its pronunciation (rather than listening to a lesson that may or may not contain that p...
by clay
Thu Aug 14, 2008 1:47 pm
Forum: Personal Consumer Issues
Topic: Best Foreign Language cds
Replies: 33
Views: 6961

Pronunciation guides on CD/DVD

Anyone know of an online German (or German/English, though just German is fine) dictionary that includes a pronunciation of words if you click on them? (I have a Merriam-Webster English online dictionary on my Mac that does this). This would allow one to check pronunciation of words of specific inte...
by clay
Mon Jun 02, 2008 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard alternatives to total bond fund
Replies: 13
Views: 4284

Intermediate-Term Bond Index Fund, VBIIX, is another alternative to Total Bond Market Fund, VBMFX. The average duration of VBIIX is similar to that of VBMFX, and both hold goverment and corporate bonds. However, VBIIX has no mortgage bond holdings, while VBMFX does. Jack Bogle has recommended VBIIX...
by clay
Mon Jun 02, 2008 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard alternatives to total bond fund
Replies: 13
Views: 4284

Re: summary

Most who don't like total bond would probably favor treasuries (short term, or TIPS), although I expect half (or more) would buy direct vs. use any fund, VG or otherwise. They would say that risk is better taken by increasing equities or tilting more to small/value than by introducing any risk in b...
by clay
Sun Jun 01, 2008 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard alternatives to total bond fund
Replies: 13
Views: 4284

Vanguard alternatives to total bond fund

I recall that various posters here, e.g., Larry S., aren't terribly fond of the total bond fund. Anyone recall offhand what vanguard bond fund they recommend in it's place (and why)?

Thanks,
C
by clay
Mon Apr 28, 2008 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11345

catchup wrote:Since I don't know what tracking error is, I don't think it will bother me much.

catchup


This is one that can really bother people even when they don't know its name :)
by clay
Fri Apr 25, 2008 6:38 pm
Forum: Investing - Theory, News & General
Topic: Overweight Small Cap Value Allocation?
Replies: 55
Views: 9246

Small vs. Value Premiums

Which effect (small or value) is supposedly the largest (I put it this way because I realize not everyone here believes in them)?
by clay
Thu Apr 24, 2008 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11345

I can't speak for Swensen, but REITs are often seen as being their own asset class and have historically had lower correlations with the US stock market (the correlations have risen in recent times, but correlations change). Year to date the TSM is down 5.49% while the REIT Index is up 8.87%, so RE...
by clay
Thu Apr 24, 2008 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Updated Swensen-like Portfolio
Replies: 41
Views: 11345

Why is S so high on REITS?

Anyone know why S. likes such a high allocation to REITS? Or if he still does?

Thanks,
C
by clay
Wed Apr 16, 2008 9:00 am
Forum: Investing - Help with Personal Investments
Topic: ROTH vs 403b
Replies: 2
Views: 994

Re: ROTH vs 403b

[ All things being equal, you want your Roth IRA to grow faster than your 403(b). If your 403(b) grows like crazy, you might have headache with Required Minimum Distributions when you attain age 70 1/2. I should be so lucky Alas, this probably won't be a worry. Are there other reasons to put the eq...
by clay
Tue Apr 15, 2008 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH vs 403b
Replies: 2
Views: 994

ROTH vs 403b

I have a ROTH and a 403b. I have Vanguard's TIPS fund, small-cap value index and international value in tax-deferred. Does it make more sense to put the small-cap value and internation value in the Roth (other things being equal), on the theory that if (I know it's iffy) it does well, the payoff is ...
by clay
Thu Apr 10, 2008 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds Purchases?
Replies: 2
Views: 1236

Re: I Bonds Purchases?

Do you have a spouse and/or a child/grandchild? Remember, it's $5000 per SS#, so you can be a co-owner with the other person listed as the first owner, and theirs is the only SS# you'll have to provide when buying more paper bonds at your bank. Regards, Mel Ah. Many thanks. This sounds like it coul...
by clay
Thu Apr 10, 2008 3:21 pm
Forum: Investing - Theory, News & General
Topic: What investing mistakes have the pros made?
Replies: 11
Views: 2869

I'm starting to think that investors have to go through losing substantial money to really learn those lessons. The good info has been there all along, but we still see those posts about if now is a good time to buy an energy fund. As though no one else has thought of that yet. I'm disappointed tha...
by clay
Thu Apr 10, 2008 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds Purchases?
Replies: 2
Views: 1236

I Bonds Purchases?

I think there have been discussions of this, so I'll continue doing a search but in the meantime someone may have a quick link or know the answer: I have a 5K I bond for the year purchased at my bank. I would like one more, which means going to Treasury Direct. There are warnings there that almost l...
by clay
Wed Apr 09, 2008 8:49 pm
Forum: Investing - Theory, News & General
Topic: Unrealistically short "long term" for stocks
Replies: 8
Views: 2119

nisiprius wrote:I must have expressed myself very badly. I don't see how you got anything like that out of my posting.


No. You were completely clear. It's a very legitimate and interesting question that deserves discussion. I think perhaps someone just got out on the wrong side of the bed today.
by clay
Sun Apr 06, 2008 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional and AA
Replies: 6
Views: 2958

Here's the composition of the underlying general account for TIAA Traditional as of 12/31/07. My best guess is that the "Other" is mainly real estate. http://www.naic.org/cis/financialProfile.do If you own TIAA Traditional in an RA/GRA be sure to examine the liquidity issue as determined ...
by clay
Sun Apr 06, 2008 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional and AA
Replies: 6
Views: 2958

Re: TIAA Traditional and AA

The problem is that even after some searching, the TIAA traditional fund remains somewhat opaque to me. Is there enough real estate in the TIAA Hi Clay, The TIAA traditional fund will always be a little opaque as TIAA traditional does not have the same reporting requirements as a mutual fund compan...
by clay
Sun Apr 06, 2008 9:57 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional and AA
Replies: 6
Views: 2958

TIAA Traditional and AA

I have about half my AA in TIAA Traditional (I set this up before I knew much about investing, but it doesn't seem too bad, as retirement nears) and the other half in Vanguard funds. The Vanguard funds include tax-efficient equity index funds in taxable, and TIPS, REIT and small-cap value in tax-def...
by clay
Sat Apr 05, 2008 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity TIPS fund
Replies: 8
Views: 2399

Fidelity TIPS Fund

Not too long ago their holdings included things in addition to TIPS, including (I think) subprime-backed bonds. In an effort to improve returns, this made the fund riskier than one would think such a fund would be. Fees are a tad high, as well. There will be other readers of your post who know a lot...
by clay
Fri Apr 04, 2008 12:08 pm
Forum: Investing - Theory, News & General
Topic: TIPS Funds
Replies: 4
Views: 1673

TIPS Funds

Vanguard is not one of the available vendors for my 457. I would like to use the valuable tax-deferred space for a TIPS Fund. If Vanguard were an option, it would be easy: I would simply go with their inflation protected securities. My options are Fidelity (much higher costs to their fund than for V...
by clay
Thu Apr 03, 2008 11:36 am
Forum: Investing - Theory, News & General
Topic: Senators Agree on Draft Housing Rescue Bill
Replies: 31
Views: 6093

Re: Senators Agree on Draft Housing Rescue Bill

allenmickers wrote: Or am I punished for being responsible and renting until I can afford a house with a proper mortgage?


Yes. You are.


As are locations where housing didn't go down the tubes.
by clay
Thu Apr 03, 2008 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of/into Vanguard Energy Fund
Replies: 77
Views: 18107

kenner wrote:Query: When the last 100,000 barrels of oil on earth are up for sale, what do you think people will be willing to pay for them?


Nothing. If it's clear we're way down around this level, governments will be seizing them.
by clay
Wed Apr 02, 2008 10:47 am
Forum: Investing - Help with Personal Investments
Topic: anyone moved a 403b from fidelity to Vanguard lately?
Replies: 0
Views: 625

anyone moved a 403b from fidelity to Vanguard lately?

I have a 403b with Fidelity and also one with Vanguard. Both are from my work with the same employer (who I've been with for over 30 years and will be with awhile longer). Both companies still are, on my employer's approved provider list. It would simplify things, especially as I enter retirement, a...
by clay
Tue Apr 01, 2008 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Small vs. Value Premiums
Replies: 0
Views: 712

Small vs. Value Premiums

For those who believe in the small and/or the value premium: which has been larger/more robust.

I know I can google this, but I'm interested in people on this forums take on this, their explanations for their conclusions, and the morals they draw for their own investing.

Thanks,
C
by clay
Mon Mar 31, 2008 11:21 am
Forum: Investing - Help with Personal Investments
Topic: International Small-Value Funds
Replies: 2
Views: 1151

International Small-Value Funds

Are there any reasonable small-value funds out there besides DFAs? I would put it in tax-deferred, so tax-efficiency isn't critical, but cost and reasonable selection of contents is.

Thanks,
CS
by clay
Mon Mar 31, 2008 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Finding Thread where Ferri and Swedroe give their AA
Replies: 2
Views: 1471

Re: Post with Rick's and Larry's AA

simba wrote:Clay,

Is this the topic you are looking for?

Best Regards,
Simba

Yes, many thanks. C
by clay
Mon Mar 31, 2008 10:50 am
Forum: Investing - Theory, News & General
Topic: Swedroe versus Ferri on Recommended Asset Classes
Replies: 127
Views: 27383

schwarm wrote:This is a commonly cited resource:

http://www.altruistfa.com/dfavanguard.htm

in most asset classes listed there is a link to alternative investments.


Right. But they have a gap for this class too (save for a DFA fund). I guess that may in itself be a lot of the answer to my question.

Thanks,
C
by clay
Sun Mar 30, 2008 7:14 pm
Forum: Investing - Theory, News & General
Topic: Swedroe versus Ferri on Recommended Asset Classes
Replies: 127
Views: 27383

Foreign Small Value

An obvious gap here in the Vanguard offerings.

Any thoughts or suggestions about non-Vanguard alternatives for foreign small value (other than DFA, which I don't have access to)?

Thanks,
C
by clay
Sun Mar 30, 2008 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund + TIAA Traditional?
Replies: 4
Views: 1443

TIPS Fund + TIAA Traditional?

I have, through years of inadvertance, about half my AA in TIAA traditional. I'm not all that unhappy about it, since it will allow me to set up a fairly reasonable annuity when I retire in about a year that will be easier for my wife to deal with (should something happen to me first) than more comp...
by clay
Sun Mar 30, 2008 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Finding Thread where Ferri and Swedroe give their AA
Replies: 2
Views: 1471

Finding Thread where Ferri and Swedroe give their AA

I vaguely remember a thread in which Rick and Larry each gave the AA they themselves. use. A (not terribly competent) search failed to turn it up. Anyone have it handy?

Many thanks,
C