Search found 58 matches

by rgb73
Tue Mar 20, 2018 5:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Is there a U.K bogleheads Chapter??
Replies: 17
Views: 2593

Re: Is there a U.K bogleheads Chapter??

Me too, based in Cardiff.
by rgb73
Mon Sep 18, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: UK based investing - bond ETFs
Replies: 14
Views: 1053

Re: UK based investing - bond ETFs

OK I understand your point about pensions - I have made quite a lot of use of my ISA allowance rather than pension over the years, so I am kind of on the other side of the coin from you - I have much more in my ISA than in my pension. I feel I can contribute quite a bit to my pension for a few more ...
by rgb73
Mon Sep 18, 2017 4:05 am
Forum: Investing - Help with Personal Investments
Topic: UK based investing - bond ETFs
Replies: 14
Views: 1053

Re: UK based investing - bond ETFs

No, sorry, I wasn't clear. My purchases in my ISA are generally stocks - no bonds yet, hence the initial question in the thread. Just as a question why do you regret putting so much into pensions? Was it because of the annuity thing? Nowadays with defined contribution you can choose how you want it ...
by rgb73
Mon Sep 18, 2017 3:40 am
Forum: Investing - Help with Personal Investments
Topic: UK based investing - bond ETFs
Replies: 14
Views: 1053

Re: UK based investing - bond ETFs

Thanks, this is all really good food for thought. As it happens, I push a lot into my defined contribution pension scheme as it is salary sacrifice (about 25% of my salary, but with employer contributions and NI rebates its getting towards 36%), which pushes me out of the higher rate tax band. I do ...
by rgb73
Fri Sep 15, 2017 4:21 am
Forum: Investing - Help with Personal Investments
Topic: UK based investing - bond ETFs
Replies: 14
Views: 1053

Re: UK based investing - bond ETFs

Thanks ValueThinker. Sometimes with bonds I feel I'm better off overpaying my mortgage (rate = 2.35%), and simply holding a sizeable amount in cash.
by rgb73
Thu Sep 14, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: UK based investing - bond ETFs
Replies: 14
Views: 1053

UK based investing - bond ETFs

Hello all, Can any UK based investors let me know of a good, all in one UK bond ETF with (of course) low expense ratios? I'm kind of after the same as the BND fund in the US. If you can't think of one, a combination of 2 or 3 UK bond ETFs would also suffice. Thus far I haven't found anything so wond...
by rgb73
Thu Sep 07, 2017 4:08 am
Forum: Investing - Theory, News & General
Topic: s&p total return chart with contributions
Replies: 11
Views: 1823

Re: s&p total return chart with contributions

In answer to my own question from a few years ago: There is a total return interactive chart for the S&p 500 with contributions here:

https://dqydj.com/sp-500-dividend-reinv ... alculator/

Can't vouch for accuracy etc yet.
by rgb73
Fri Apr 15, 2016 8:09 am
Forum: Investing - Help with Personal Investments
Topic: NZ Based - Kiwisaver Portfolio Mix? [New Zealand]
Replies: 4
Views: 710

Re: NZ Based - Kiwisaver Portfolio Mix? [New Zealand]

Hi, I left NZ about a year ago for the UK as my wife is English, and have now settled here with our finances nearly sorted. I used the same kiwisaver provider you mention, they were quite good with reasonably low expense ratios (for NZ that is). I agree with valuethinker to some extent with investin...
by rgb73
Tue Mar 22, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: UK investment trusts
Replies: 4
Views: 494

Re: UK investment trusts

Thanks. I haven't invested anything yet, but am comparing an etf to an investment trust and trying to decide between the two. The IT does have some attractive qualities like gearing and using reserves to maintain rising dividends but the expense ratio is 30 basis points lower with the etf. Maybe a s...
by rgb73
Tue Mar 22, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: UK investment trusts
Replies: 4
Views: 494

UK investment trusts

Hi,

This is more a question for UK based investors, I'm just wondering if anyone here has funds allocated to any investment trusts? I'm thinking of the likes of City of London investment trust, bankers trust etc.
by rgb73
Thu Jan 28, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 17452

Re: What is your favorite Financial Quote or Metaphor??

If you spend more than 13 minutes a year analyzing economic and market forecasts, you’ve wasted
10 minutes.

Peter Lynch
by rgb73
Sat Nov 14, 2015 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Low-cost Indexing versus Real Estate Investing
Replies: 17
Views: 3672

Re: Low-cost Indexing versus Real Estate Investing

I own a rental property in London, about 15 years now. I think your estimate of yield is high too. Is that net after all costs? If you were to buy our property at current market prices and get current market rent the gross yield would be 5%. We have the property looked after and its definitely more ...
by rgb73
Mon Apr 20, 2015 11:14 pm
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 34
Views: 4957

Re: How do you quickly cool food?

I have this problem with baby food as you have to get it piping hot for safety reasons, namely killing any bacteria. Is this homemade baby food? I would think store bought baby food would not have this problem, unless it's been opened and sitting around. Yes, this is more homemade baby food rather ...
by rgb73
Sun Apr 19, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 34
Views: 4957

Re: How do you quickly cool food?

I have this problem with baby food as you have to get it piping hot for safety reasons, namely killing any bacteria. I also can't serve it piping hot for safety reasons too, namely I can't burn my baby's mouth !

So as others have mentioned, I put an ice cube in it to cool it quickly.
by rgb73
Tue Apr 14, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall in a foreign currency [NZ dollars, UK resident]
Replies: 5
Views: 844

Windfall in a foreign currency [NZ dollars, UK resident]

Dear bogleheads, My situation is complex; I am resident in the UK but have recently had a windfall in New Zealand dollars, where I was born. Currently NZ has one of the highest growth rates in the developed world and interest rates are also high, e.g., I can get about 4% PA in an NZ bank account, wh...
by rgb73
Thu Mar 05, 2015 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie New Zealand investor seeking advice for 1st investmnt
Replies: 2
Views: 486

Re: Newbie New Zealand investor seeking advice for 1st inves

Firstly in NZ I have never found an indexing type strategy with minimal fees. All providers are a rip off, typically with 0.5% management fees + fixed annual fees (say $50/year). Yes this is for indexing strategies too. The lowest cost provider that provides an indexing type strategy that I have fou...
by rgb73
Mon Oct 27, 2014 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with global ETfs from New Zealand
Replies: 23
Views: 3309

Re: Help with global ETfs from New Zealand

Just buy a house in Auckland instead mate. What could go wrong? :oops:
by rgb73
Tue May 13, 2014 3:59 pm
Forum: Personal Consumer Issues
Topic: HTML5 programming
Replies: 11
Views: 1421

Re: HTML5 programming

As other posters have mentioned, HTML5 is largely HTML+javascript+CSS. We are writing a web app at my current employer, using the DOJO javascript framework with a Microsoft C# backend. DOJO is really good and it takes care of a lot of the browser compatibility issues for you. We wrote a fully intera...
by rgb73
Thu Mar 27, 2014 3:08 pm
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 86
Views: 13901

Re: New Housing Bubble and upcoming cycle peak

You have become significantly wealthier in the last 12 months ;-). Yeah, I don't feel particularly happy about it though. To me it seems crazy, and socially damaging - I think politicians have a lot to answer for. Theres too many vested interests in keeping property rising. But thats getting off to...
by rgb73
Thu Mar 27, 2014 2:29 pm
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 86
Views: 13901

Re: New Housing Bubble and upcoming cycle peak

Valuethinker wrote: New York, SF, London the same. And train fares from commuter towns have risen by a lot in recent years, so the commute is *expensive*. Nothing to pay £5k a year (after tax) for your annual pass. East London was cheap, but in Walthamstow (a suburb in zone 4/5 to the northeast, bu...
by rgb73
Tue Feb 25, 2014 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Some discussion from the UK [Retirement withdrawal strategy]
Replies: 113
Views: 12548

Re: Some discussion from the UK

Valuethinker wrote: BRK is all about efficient capital allocation. That's what Munger and Buffett do. When they are not around to do it, I predict that it will be difficult or impossible both to find such a pair again, and then to entice them to Omaha NB-- when Wall Street will pay said person mult...
by rgb73
Mon Jan 20, 2014 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Bond duration UK investments
Replies: 12
Views: 1014

Re: Bond duration UK investments

Let me guess. Are you with Hargreaves Lansdown? Yes! Fees changing from £24 per year to over £600 per year in one go. Very clearly they don't want passive investors in index funds. Are you in the same boat? Do you have a plan? Not quite in the same boat, but it still got me riled. I've got 2 years ...
by rgb73
Sun Jan 19, 2014 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bond duration UK investments
Replies: 12
Views: 1014

Re: Bond duration UK investments

Let me guess. Are you with Hargreaves Lansdown?
by rgb73
Sat Dec 28, 2013 4:12 pm
Forum: Investing - Theory, News & General
Topic: Its Hard Being A Boglehead!!
Replies: 62
Views: 6392

Re: Its Hard Being A Boglehead!!

I actually do like looking at the daily excitement, getting a bit excited about it, looking into it and then realising that what they are talking about is total garbage and they don't have a clue. Also realising "oh hey, look at that hot stock they're talking about..oh I already own it" as part of m...
by rgb73
Sun Nov 24, 2013 5:27 pm
Forum: Investing - Theory, News & General
Topic: If index funds didn't exist, what would you do?
Replies: 60
Views: 3970

If index funds didn't exist, what would you do?

Hi, Well thank heavens for Jack Bogle & Vanguard so we don't have to really consider this. But without them, what would you do? Buy the Dow 30 and a bunch of bonds? This was the case back in the 60's and time immemorial before that. Don't forget not all countries have the massive diversification of ...
by rgb73
Mon Nov 11, 2013 5:45 pm
Forum: Investing - Theory, News & General
Topic: Index Funds vs Individual Stocks
Replies: 62
Views: 9886

Re: Index Funds vs Individual Stocks

I used to think I should go for individual stocks. Hey, if the market is random, then what difference does it make? I can pick 20 stocks, doesn't matter, as the returns should roughly match the broad market index. The trouble I found was that how do you pick the 20 stocks? Randomly and drop 1 stock ...
by rgb73
Wed Nov 06, 2013 3:44 pm
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 147
Views: 27802

Re: "Get out of bond funds"

He's also reduced the maturity of Berkshire's bond portfolio considerably - cognizant of the fact that long duration bonds will incur greater losses if interest rates rise.
by rgb73
Mon Oct 21, 2013 1:53 pm
Forum: Personal Consumer Issues
Topic: New Tablet
Replies: 20
Views: 2275

Re: New Tablet

A short while ago I got a nexus 7, it's great, really nice screen etc, highly recommended. But interestingly, I used my laptop again last night to do some admin type stuff, and it was SO much better than the tablet. Cut paste was easy, could type really quickly, I was so much more efficient - this w...
by rgb73
Fri Oct 18, 2013 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: sellers remorse [Individual stocks to index funds]
Replies: 22
Views: 3002

Re: sellers remorse [Individual stocks to index funds]

Thanks for all the the replies, all good analogies. Right, now for that position I've got in aapl...
by rgb73
Fri Oct 18, 2013 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: sellers remorse [Individual stocks to index funds]
Replies: 22
Views: 3002

sellers remorse [Individual stocks to index funds]

Hi everybody, As a fairly recent boglehead, I've been slowly removing individual stocks from my portfolio and converting them to index funds. I sold off (admittedly a small position) in Google about a month ago, and yesterday there was a pop in the share price of about 12%. Arrrg! I'm committed to b...
by rgb73
Tue Oct 01, 2013 9:05 am
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 5592

Re: Recommend a cheap, small tablet?

I'm typing this post on my new nexus 7. Its the first tablet I've owned and its great, awesome screen. Really good if you use googles services.

Must admit I find using a tablet frustrating at times, certain cut/paste things are too difficult, and the screen keyboard is just not easy to use.
by rgb73
Mon Aug 26, 2013 5:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheads in England?
Replies: 8
Views: 1344

Re: bogleheads in England?

Hi, I used to live in England (we are on sabbatical in New Zealand), and we intend to move back to the UK in the near future. I haven't delved into SIPPs (self invested pension plans) but I know you get very good tax relief on them (contributions are topped up by the government for the amount of tax...
by rgb73
Sat Aug 17, 2013 10:19 pm
Forum: Personal Consumer Issues
Topic: Object oriented programming for a high school junior
Replies: 84
Views: 8773

Re: Object oriented programming for a high school junior

My personal experience is that no matter what the transcript says, a lot of software engineers are largely self-taught. One possible approach might be to make sure that he has his own computer at home, and, if possible, try to find out what OS and Java programming environment they are using at scho...
by rgb73
Wed May 08, 2013 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lessons from the last crash?
Replies: 44
Views: 5361

Re: Lessons from the last crash?

That I want another crash just like it - one of the best times to buy equities in the last few years ;-)
by rgb73
Sun May 05, 2013 4:13 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 14461

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

Yep, i own some brk.b. I own some other individual stocks but the only one I've added to over the last few years has been brk.b - everything else is indexing. The reason I like berkshire is that its a fairly diversified (admittedly with a large insurance bias) group of well run businesses with a str...
by rgb73
Thu Mar 28, 2013 4:53 am
Forum: Personal Consumer Issues
Topic: Windows 8 photo managing/simple editing suggestions?
Replies: 21
Views: 2242

Re: Windows 8 photo managing/simple editing suggestions?

I'd endorse picasa too; I use it to organize my photos and it does all the basics simply and without fuss. Great for uploading photos to the web too.
by rgb73
Mon Jan 07, 2013 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: At What Level Does a Portfolio Take Off?
Replies: 94
Views: 11884

Re: At What Level Does a Portfolio Take Off?

This is a pretty good question - I would say when your returns are much greater than your annual savings; however in a severe bear market this obviously works in reverse as returns wipe out any savings you might add in a given year. Thus for me its a combination of good year(s) - which you can't cou...
by rgb73
Sun Dec 23, 2012 5:51 pm
Forum: Personal Consumer Issues
Topic: Journal of a 3 day ride on New Zealand's Otago Rail Trail
Replies: 8
Views: 1010

Re: Journal of a 3 day ride on New Zealand's Otago Rail Trai

Hi, thanks for your post! We are doing it in Feb 2013.
by rgb73
Wed Oct 24, 2012 9:00 pm
Forum: Investing - Theory, News & General
Topic: s&p total return chart with contributions
Replies: 11
Views: 1823

Re: s&p total return chart with contributions

Thanks Simplegift, nearly what I was after - I guess I was after something where I could put in different start/end dates.
by rgb73
Wed Oct 24, 2012 2:55 pm
Forum: Investing - Theory, News & General
Topic: s&p total return chart with contributions
Replies: 11
Views: 1823

s&p total return chart with contributions

Hi all,

Has anyone seen a total return chart of, say, the S&P 500 with regular contributions? I wanted to eyeball the chart to see what difference contributions made to volatility, and see what sort of money you would have made by tucking away a regular amount.

Thanks
by rgb73
Sat Sep 29, 2012 6:29 pm
Forum: Investing - Theory, News & General
Topic: buffett's outperformance
Replies: 28
Views: 4009

Re: buffett's outperformance

I had preview of the paper and have written a piece on it that will eventually appear on my blog. The article misses some key points in the paper, For example the study compared the performance of the public holdings of BRK with its "private" holdings and found no value added as a manager as some w...
by rgb73
Sat Sep 29, 2012 6:26 pm
Forum: Investing - Theory, News & General
Topic: buffett's outperformance
Replies: 28
Views: 4009

Re: buffett's outperformance

That's not true. Buffett claims to never have used debt in any significant way personally in the biography The Snowball. He doesn't care for it in business either, since he is into fundamental analysis. He works with large amounts of cash, float from his insurance businesses, but it's not borrowed ...
by rgb73
Sat Sep 29, 2012 5:17 am
Forum: Investing - Theory, News & General
Topic: buffett's outperformance
Replies: 28
Views: 4009

buffett's outperformance

Hi all, Here is an article in the economist that refers to a paper that explains the outperformance of Berkshire Hathaway as compared to the market: http://www.economist.com/node/21563735 Its interesting, it seems that the outperformance comes largely because his insurance vehicles provide a very ch...
by rgb73
Wed Sep 26, 2012 5:24 pm
Forum: Personal Consumer Issues
Topic: Any New Zealand tips?
Replies: 23
Views: 2202

Re: Any New Zealand tips?

Hi, I'm an NZ citizen and currently living here, but have lived overseas for a while. I'll only comment on the tramping bit, as I've done a few, two of which are quite famous - the Tongariro crossing and the Routeburn track. Both are spectacular and well worth doing. You will need some specialized g...
by rgb73
Thu Aug 30, 2012 3:45 am
Forum: Investing - Theory, News & General
Topic: Case against Index funds
Replies: 50
Views: 7293

Re: Case against Index funds

I think the case can be made that if you throw yourself heart and soul into investing, if you create a portfolio of 15-20 extensively researched common stock positions, if you live and breathe those 15-20 companies and do everything in your power to know the tiniest factor that will affect their pe...
by rgb73
Thu May 17, 2012 5:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard UK ETFs
Replies: 0
Views: 336

Vanguard UK ETFs

Hi all, Vanguard is starting up it's UK based ETFs, which is great news for UK based investors. All of Vanguard's mutual funds are currently available to small investors only via platforms which usually charge annual fees. Although not in the article below the expense ratio on the FTSE 100 ETF is a ...
by rgb73
Thu Apr 26, 2012 9:49 pm
Forum: Investing - Theory, News & General
Topic: Why invest in stock market index funds when there is BRK?
Replies: 31
Views: 3166

Re: Why invest in stock market index funds when there is BRK

This question has been discussed before, see: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=77688 One aspect I don't recall in the thread highlighted above is that Buffett uses leverage from insurance float which juices his returns. If he runs his insurance operations well enough, he effectiv...
by rgb73
Sun Mar 25, 2012 2:28 pm
Forum: Investing - Theory, News & General
Topic: Money Magazine is bad for me
Replies: 55
Views: 6224

Re: Money Magazine is bad for me

Yes I agree, I tend to get slightly swept up after seeing some financial recommendation; or seeing some hedge fund guy explain why you should buy this stock now or something. I try to use bob90245's technique, where I think about the index that I hold and think "I own it already...".
by rgb73
Thu Mar 22, 2012 2:32 am
Forum: Investing - Help with Personal Investments
Topic: Your asset allocation, and why?
Replies: 46
Views: 6063

Re: Your asset allocation, and why?

stemikger wrote: I'm 47 and in my 401K I have 60% in the Vanguard Institutional Index Fund and 40% in Barclays aggregate Bond Fund (my 401K dosen't have Vanguard Total Bond Index). In my Traditional IRA I have everyting in the Vanguard Balanced Index Fund. I read Peter Bernsteins article entitled t...