Bogleheads.org

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I used to think about all these different options, strategies, theories, tactics, etc. But then I settled on the Total World Index and sleep better thanks to the simplicity of not overthinking. I'd also wager that it outperforms all these strategies over the long run, not necessarily because it wil...

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Hi: As of August 5, 2016 Meb Faber has the current top downloaded paper on the SSRN Financial Economics Network. Faber, Meb, The Trinity Portfolio: A Long-Term Investing Framework Engineered for Simplicity, Safety, and Outperformance (July 2, 2016). CQR, Issue 9, June 2016. Available at SSRN: http:...

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whodidntante wrote:Cambria global value is worth considering. The ticker is GVAL. I'm considering buying it myself, about 20k worth. First I need to decide what I think about Meb Faber.

This seems like a less palatable option with 133 stocks, ER 0.69, 15% turnover

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Right, do you really need a global value stock fund or are separate (and cheaper) US and ex-US funds acceptable? Also, are you just targeting value or specifically seeking a fundamental-weighted approach, Research Affiliates/Rob Arnott style? I am more interested in value rather than the specific a...

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PIMCO RAE Fundamental Global Instl PFQIX

25k minimum investment at vanguard... otherwise 1,000,000!

ER 0.5

2% Turnover

Anyone aware of any better / cheaper global value fund?

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This thread appears to be heavy with rationalization to chase performance. Common knowledge espoused by 'experts' everywhere is that US returns will not meet previous expectations, and one might look to EM for returns....

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brianbooth wrote:So what you're saying is, with prices down and sentiment is negative, now is the time to buy?

Not yet, wait for panic.

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letsgobobby wrote:Not much expected diffrerence between 80/20 and 85/15. My concern is more about the lack of discipline that it shows. Why now? The stock market is up 150% in the last four years.

When the market is performing poorly there tend to be more "switching to more conservative AA" posts.

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I think people tend to forget that there really is a chance that things can get really bad like 1929 again at some point in the future. I would be an emotional wreck if I lost 90% of my life savings and didn't know whether I was going to lose even more - or if it would ever come back. I'll keep by ...

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I hate the "stocks on sale" meme. Even when it's Warren Buffett using it. It is an inaccurate analogy even on its own ground. In the consumer world, I am pretty darn sure that the can of Progresso Traditional Chicken & Wild Rice I bought today for $2/3 is the same item that was selling last week fo...

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dhodson wrote:The only physicians i know who are unhappy with medicine have unrealistic ideas or are unhappy people.

This is at worst pejorative and at best circular. This is turning into a decidedly unfruitful discussion, there will be nothing more from me, I wish the original poster the best with his career.

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Taxable stocks should provide considerably higher returns than ibonds over a long investing career. Only you can decide how much you value safety of your initial (small) contributions vs growth of said contributions.

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Step 1: Ask yourself if you really, really, REALLY, want to become a physician. Note approximately 50% of physicians are dissatisfied with their career, and there are further headwinds ahead... If health care is a must for you I would seriously consider becoming a NP or PA (similar day to day pract...

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Step 1: Ask yourself if you really, really, REALLY, want to become a physician. Note approximately 50% of physicians are dissatisfied with their career, and there are further headwinds ahead... If health care is a must for you I would seriously consider becoming a NP or PA (similar day to day practi...

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I'm not sure what kind of returns you're talking about from Lending Tree, but lots of people are making double digits returns from Lending Club. The average return is around 6%. I've only been doing it for 15 months but I'm at 13.15% annualized. I expect 8-12% returns long term. These are the junki...

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Could the person who made this quote please provide some links to the study(ies) referenced? My experience with LendingClub has been quite good, but I'm curious to see whatever stats were used to come to this conclusion. Thanks. There have been several studies, eg: Risk and Return of Investments in...

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Globally diversified small-cap value.

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In my experience, once the portfolio got to $10K it started to take on a life of its own. At some point, the gains and earnings get to be more than the annual contributions. At $100K, the investments seemed like a swollen creek and later like a river at $200K. You can really see the effects of comp...

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You are young and way ahead of the curve, congrats! If you want to make a mill, ASAP, you would likely benefit from a much more equity heavy portfolio. You should know that the real returns from Lending Tree and the like have been studied and are poor, I would run not walk from these investments. It...

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airahcaz wrote: Sell at new high?

'Bulls make money, Bears make money, Pigs get slaughtered.'

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AAPL is top of the world, where to go? Sell.

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Not even a Suburban has a cargo floor long enough to sleep on with 2d row seats up and not aware that Suburban has fold-flat 2d row seats. So the best you may be able to hope for are some comfortable reclining front seats. Not aware of any vehicle that has fold-flat front seats to match up with 2d ...

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There is a reason vanguard's fund is not called "international REIT fund," several posters here are doing a diservice but representing it as such.

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What happened to Japan was NOT bursting of a bubble in the way we think of it (ie regular market cycle), rather it was the realization that tremendous wealth simply did not exist secondary to pervasive and systemic corruption. There was no recovery because much of the climb was a fabrication. Common...

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You may want to consider the opportunity cost of having $5000 dollars tied up on this card at all times "earning" negative interest secondary to inflation.

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exeunt wrote:A world stock small-cap value fund.

+1 With low ER and other fees.

Sadly I do not think this fund exists yet.

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I think this article makes a good point. Many Bogleheads focus on tax rate rather then tax amount, which can be a (very) costly choice.

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yobria wrote: a 2007 study by the Federal Reserve.

PDF?

The statistics you mention are truly shocking 80% of the US with only 30k saved!! I hope home equity is not included. Home equity is the other, well not forced, but strongly encouraged and federally subsidized retirement vehicle.

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The biggest issue is heading off the requests for money. Just make it a habit to never seriously discuss money with the ones who want handouts. You could take it a step further and pretend to be worst off than you actually are (e.g. complain about any tough financial spots). This might be the only ...

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Some people can get annoying when it comes to discussions about money. I make enough to get by and a little left over to save for retirement, but not wealthy by any means or even anywhere close to being wealthy. Anyway I've had to deal with some snarky remarks from relatives as if I make "big money...

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You got my hopes up, Landy, only to be dashed on the rocks! I absolutely hate ETFs and only own 2 of the lousy critters to cut costs. One of them is VSS. So based on your comment, I went running to Vanguard's website, thinking they had created Admiral shares of the FTSE All-World ex-US Small-Cap In...

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The entire margin thing is confusing and complicated to me. It increases the expenses of your investment via the margin interest, and you are betting that the market will recover by the next time you invest. If the market continues to tank, then you would have wasted money buying at a higher price ...

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For a rental property leverage is very tempting to maximize returns. However, for a home the security of debt-free does seem equally appealing, but just comes down to personal perspective and opportunity costs.

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Do you openly discuss Finance at parties? If so what is your feedback? Honestly I don't recall personal finance ever being discussed at parties. Personal finance seems to be even more taboo than the dreaded politics. The usual suspects are: the weather (old faithful), movies, kids/school, sports, j...

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You could consider high yield checking accounts, 2% on unrestricted balances should be available, but you may have to do X number of debit card purchases, or other requirements.

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The riskiness of an investment is not measured by beta (a Wall Street term encompassing volatility and often used in measuring risk) but rather by the probability -- the reasoned probability -- of that investment causing its owner a loss of purchasing power over his contemplated holding period. Peo...

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Does your friends father have the following?: A pension Social Security Other cash on the side A paid off home Income producing assets If you answer yes to any of the above, your friends father is NOT totally invested in equities. Enjoy the snow. That's a good point. Although not the friend's fathe...

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Isn't this just market timing. There will always be a dog or two in the portfolio. If the portfolio cannot withstand underperformance by bonds perhaps it was an ill-conceived allocation.

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His comment is almost no different than Larry Fink - investors should allocate 100% to equities. Come on, printing this stuff in media is a disservice to the average guy who knows nothing about volatility, risk and has limited marbles to play with. We all know what happens when one loses their marb...

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Thanks for the replies all. I am with you on the ETFs vs mutual funds. I would much prefer the funds, but the ER is much higher (especially for these two funds) until you get to admiral shares, and I am still at least 3 years away from having that much (VSS and VBR are a relatively small part of my...

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IMO, this topic would be more helpful without the attacks on the messenger, his motives, or his business acumen. Let's shift the focus to the Posters here often comment that they prefer to only take risk on the equity side and that bonds are their safe investments. IMO, this mindset represents a mi...

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Buffett can also afford to lose half his wealth and not even blink. Not so for the average investor. His comment is almost no different than Larry Fink - investors should allocate 100% to equities. Come on, printing this stuff in media is a disservice to the average guy who knows nothing about vola...

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yobria wrote:
Liquid wrote:Spam is like cash in some circles.
Honolulu circa 1943?

Yes, and well into the 1990s! I wonder how current Hawaiian Spam futures are looking.

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Many of you are missing the point. Buffett is not directing his comments at the average Boglehead holding a market portfolio, he is directing it at hot money holding 100% gold or bonds, because they overheard it at the water cooler. Berkshire has "liquidity requirements" and therefore holds short-te...

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I vote for the tax-deferred Account.

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Unless you can transfer your limited partnership (at $0) from your private equity firm.

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Buffet is spot on.

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I wish the 90% passthrough for US REITs applied to foreign real estate. Nevertheless, it represents a large chunk of the investment universe and as such is probably attractive to those who seek a total market approach.

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It isn't being considered. It is already done. Also trusts in some states are valid up to 360 years. Wow 360yrs! Surely after a quick tax break the trust can be reestablished for another 360. If you would like to Yalify: US Equity 12% US Bonds 4% Foreign Equity 15% Absolut Return 25% (Eg, merger ar...

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I think Mr. Buffett would be the first to admit that he cannot predict the future. My sense is that his decisions are based on current valuations rather than future predictions. One of his few and most famous "predictions" from Snowball: "He put up a slide to illustrate how, for several years, the m...

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