Search found 2273 matches

by Ketawa
Sat Jul 11, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143835

Re: Small Cap Value heads Rejoice !!!

I hadn't bothered to look at the performance of my individual holdings relative to other factor funds, but it looks like my AQR multi-style funds have done quite well recently when compared to alternatives that don't target momentum. QSMLX: a lot better than IJS, AVUV, QVAL, RZV QICLX: a lot better ...
by Ketawa
Tue Jun 23, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto Insurance] GEICO not increasing deductible above $2500
Replies: 6
Views: 612

Re: [Auto Insurance] GEICO not increasing deductible above $2500

You say you don’t want to pay higher premium for risk you don’t want covered. If that’s the case, then lower your liability limits. The other option is to just remove collision and comprehensive coverage completely. There's a vast difference between lowering liability limits, and declining to insur...
by Ketawa
Tue Jun 23, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto Insurance] GEICO not increasing deductible above $2500
Replies: 6
Views: 612

Re: [Auto Insurance] GEICO not increasing deductible above $2500

Like Wind_Reaver said, it may depend on your state's laws. My vehicle is insured with GEICO and is not financed; my max deductible available through GEICO's web site is $1500 for both collision and comprehensive.
by Ketawa
Wed Jun 10, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143835

Re: Small Cap Value heads Rejoice !!!

Mind linking to a thread where you explain your RBD methodology and whether it has improved returns. I've seen you discuss timing the market repeatedly without articulating what you're doing. From what I can tell, it seems like there is some objective measure you have combined with a lot of subject...
by Ketawa
Tue Jun 02, 2020 10:14 am
Forum: Personal Investments
Topic: Mortgage prepayments
Replies: 26
Views: 1659

Re: Mortgage prepayments

At the very least, you should consider a no-cost refinance into a 10-year loan. Then you can compare the options of making lower payments or additional prepayments with an up-to-date market interest rate.
by Ketawa
Fri May 22, 2020 10:49 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143835

Re: Small Cap Value heads Rejoice !!!

Does the momentum risk factor look for low momentum or negative momentum? Seems like positive momentum would not be a risk and that stocks with positive momentum would be less risky and therefore have lower expected returns. Deep value funds presumably sell companies that are still value, but not v...
by Ketawa
Tue May 12, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5361

Re: Where do you back up your important data?

Using Arq, to both an external hard drive and Backblaze B2. B2 is $1 per month for my amount of data. I believe it is 200gb for $1. And you pay to download like $1 for 100gb. At least now it is - maybe you got some deal? Yes, B2 is $0.005/GB monthly for storage and $0.01/GB for downloads. I have ab...
by Ketawa
Tue May 12, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5361

Re: Where do you back up your important data?

Using Arq, to both an external hard drive and Backblaze B2. B2 is $1 per month for my amount of data.
by Ketawa
Sat May 09, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 119
Views: 17386

Re: New era for TSP "I" Fund?

What a disgrace.

ETA - no longer makes sense out of context.
by Ketawa
Wed May 06, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Funds Outperform ETF
Replies: 49
Views: 2862

Re: Vanguard Mutual Funds Outperform ETF

FWIW, in taxable accounts, many people aren't reinvesting dividends regardless of whether they are using the mutual fund or ETF. Reinvesting dividends makes optimal tax loss harvesting or specific ID of shares vastly more difficult. If using Vanguard funds in an IRA, I'd also prefer ETFs over mutual...
by Ketawa
Tue May 05, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1677

Re: Amica vs USAA Insurance

With USAA, the dividend is analogous to getting returns from an individual stock. The reason is that USAA allocates a portion of your premiums to a Subscriber's Account based on how much income USAA had during the year, and distributes some profits as a distribution. Here are some historical numbers...
by Ketawa
Tue May 05, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 904094

Re: What's Your Credit Card Rewards Strategy?

Bank of America gives $500 for $3k spend Details please? https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/ I got denied by this card and now figure I'm basically a persona non grata at all the major issuers except Amex and Citi. I've had 48 cards in the last 5 years s...
by Ketawa
Tue May 05, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: Is G-fund safer today than previously?
Replies: 38
Views: 2588

Re: Is G-fund safer today than previously?

G Fund return for April 2019 was about 2.6% annualized. March 2020 return was about 1.3%. I calculate current yield for the G Fund (as of May 1) at around 0.70%. The TSP website gives past monthly returns to only two decimal points. The stated April monthly return of 0.07% is 0.84% annualized. But ...
by Ketawa
Thu Apr 16, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 904094

Re: What's Your Credit Card Rewards Strategy?

I just finished the minimum spend on an Amex Platinum and collected the 100K MR bonus. Now I have all these points and no practical way of using them. I have to admit, in this day and age of travel uncertainty, cash (back) remains king! Open the Schwab Platinum card, get the signup bonus, cash out ...
by Ketawa
Wed Apr 15, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 904094

Re: What's Your Credit Card Rewards Strategy?

Citi (waives annual fees) Citi Prestige: - Intro bonus of $500 towards travel (50k points) - $250 Annual Travel Credit acts much the same way that CSR's travel credit does. Easy to use (unlike Amex's Airline credit) - Dining & Travel gets 5% back towards travel (5 points/$) - 4th hotel night free T...
by Ketawa
Fri Apr 10, 2020 7:55 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

At this point, I think if you are making small moves, there are no limitations. If I make a very small interfund transfer to rebalance out of the G Fund, within a single percentage point or so, the interfund transfer entry form does not restrict it. I do not believe there is an internal counter of "...
by Ketawa
Thu Apr 02, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143835

Re: [Small Cap Value heads Rejoice !!!]

I am going to make a note that, as a goodwill gesture to all those who are hurting with factor tilting I am going to stay away from making further comments. We are all hurting one way or other, and further misery is not needed. I think I have already made my views clear, but as always it has no mor...
by Ketawa
Thu Mar 26, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 305654

Re: Coronavirus and the market

My guess is that the loan rate was cited as it is frequently considered a proxy for predicted G fund return, as there is no SEC 7-day yield figure. I found last year that it wasn’t a terribly good predictor, although I didn’t track it on paper, etc. In other words, more of a feeling on my part. :P ...
by Ketawa
Thu Mar 26, 2020 11:54 am
Forum: Personal Investments
Topic: How to properly rebalance? Lateral moves - stocks to index
Replies: 8
Views: 427

Re: How to properly rebalance? Lateral moves - stocks to index

Yes, you would buy VTI just like any other stock. You would have to check with RJ to see if there is an account closing fee. Vanguard will probably not reimburse it.
by Ketawa
Thu Mar 26, 2020 11:53 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 305654

Re: Coronavirus and the market

Forgive my if this question was already asked in this thread, but I just couldn't read all 71 pages! Coming out of this dip, might we expect better performance from large cap stocks than small cap stocks, due to more failures of small businesses? This is just a though I had yesterday. It sounds lik...
by Ketawa
Thu Mar 26, 2020 11:18 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

6h ago / 5:09 PM MST Coronavirus could become seasonal like the flu, Fauci warns There are increasing signs that COVID-19 will become a seasonal illness, Dr. Anthony Fauci said Wednesday during the White House's daily task force briefing. https://www.nbcnews.com/health/health-news/live-blog/coronav...
by Ketawa
Thu Mar 26, 2020 11:16 am
Forum: Personal Investments
Topic: How to properly rebalance? Lateral moves - stocks to index
Replies: 8
Views: 427

Re: How to properly rebalance? Lateral moves - stocks to index

You could sell all your individual stocks and buy VTI immediately with unsettled funds. VTI is the ETF share class of VTSAX. Then you could transfer your VTI holdings in kind to Vanguard. This would lower the time you are out of the market since you would not have to wait for cash to transfer from R...
by Ketawa
Wed Mar 25, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 305654

Re: Coronavirus and the market

I'm curious where the G fund rate goes too, but also because that is the loan rate. I'd have to at least consider taking a $50k loan at <1%. I imagine I can find better use for that money. Off topic for this thread, but the loan interest rate itself isn't that important. It's not like cheap leverag...
by Ketawa
Wed Mar 25, 2020 10:48 pm
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

I'm still trying to follow along. So correct me either way. You have not yet been 100% vested in G this month; so when you're making all these Interfund transfers, you just add a little more into your current G making the % slightly higher during each transfer; and you are changing your other funds...
by Ketawa
Wed Mar 25, 2020 11:27 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

% G Fund % G Fund % G Fund Rebalance # Date Previous Close Close Day of Transfer Rebalanced To 1 03-03 17.79 18.05 18 2 03-10 19.70 19.20 18 3 03-12 18.87 20.67 18 4 03-16 17.06 19.06 17 5 03-18 16.40 17.60 17 6 03-20 16.45 16.78 17 7 03-24 17.23 16.03 17 I completed an interfund transfer yesterday...
by Ketawa
Wed Mar 25, 2020 11:03 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 305654

Re: Coronavirus and the market

Well I knew it would come. Negative rates happening on short term treasuries. Only on 3-month T-bills at the moment (-.04%). I still don't see the point in why an individual investor would buy bonds at negative yields when there are still positive yields to be had from other instruments (e.g. high-...
by Ketawa
Mon Mar 23, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: Fed Buyback: Breaking News
Replies: 25
Views: 3393

Re: Fed Buyback: Breaking News

If people want to understand a little more about what the Fed is doing, I recommend listening to some old EconTalk episodes with Scott Sumner, or reading TheMoneyIllusion blog.
by Ketawa
Thu Mar 19, 2020 12:35 pm
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

Alright everyone, I partially figured this out. Here is how I rebalanced this month: % G Fund % G Fund % G Fund Rebalance # Date Previous Close Close Day of Transfer Rebalanced To 1 03-03 17.79 18.05 18 2 03-10 19.70 19.20 18 3 03-12 18.87 20.67 18 4 03-16 17.06 19.06 17 5 03-18 16.40 17.60 17 I'm n...
by Ketawa
Thu Mar 19, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Rent in the Time of Coronavirus
Replies: 78
Views: 2997

Re: Rent in the Time of Coronavirus

I can't see the prices that current rental offerings have actually closed at until weeks from now, after the negotiation is over. Not so easy. I'm confused. There are no rentals being renewed more or less today in your location? That tells you the going rate. It often takes many weeks for closed de...
by Ketawa
Wed Mar 18, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143835

Re: [Small Cap Value heads Rejoice !!!]

Value has had historically bad performance in 2020. Despite this, my holdings in the TSP S Fund have been down almost as much as QSMLX, which is the AQR Small Cap Multi-Style Fund. QSMLX loads on value, momentum, and profitability in small cap stocks. The TSP S Fund is an S&P 500 completion index fu...
by Ketawa
Wed Mar 18, 2020 10:55 pm
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

My 5th interfund transfer this month, rebalancing into equities, went through today.
by Ketawa
Wed Mar 18, 2020 4:40 pm
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

I have completed 4 interfund transfers this month, and submitted a 5th today. All have been net out of the G Fund, in to the I Fund and S Fund.
by Ketawa
Wed Mar 18, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Cruise cancelled [take refund or future credit?]
Replies: 51
Views: 2730

Re: Cruise cancelled [take refund or future credit?]

If the cruise company refunds the money to a credit card is it possible to have the credit card company deposit the money to a bank account or send a check for the refund amount? If it's a card that you use regularly (and pay off in full, I hope), it will either count towards your payment for your ...
by Ketawa
Wed Mar 18, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: End of corporate stock buybacks??
Replies: 75
Views: 4595

Re: End of corporate stock buybacks??

“Buybacks don’t return money to shareholders, only an dividend does.” SEC research found that many corporate executives sell significant amounts of their own shares after their companies announce stock buybacks, Yahoo Finance reports. https://www.zerohedge.com/news/2019-05-02/great-stock-buyback-de...
by Ketawa
Wed Mar 18, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: 'Black swan' & Alternative funds YTD & since the market high
Replies: 55
Views: 3447

Re: 'Black swan' & Alternative funds YTD & since the market high

In this downturn, my portfolio of 75% equities/15% fixed income/10% QSPIX has been better off than my alternative without QSPIX, which would have been 80% equities/20% fixed income.
by Ketawa
Wed Mar 18, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: End of corporate stock buybacks??
Replies: 75
Views: 4595

Re: End of corporate stock buybacks??

mdavis6890 wrote:
Wed Mar 18, 2020 12:56 pm
Huh? I don't see the logic here. How are stock buybacks bad? How are they particularly favorable to execs, at the expense of others? How are buybacks different in these regards than, say, dividends?
They're not very different. Some people just have an axe to grind.
by Ketawa
Wed Mar 18, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: End of corporate stock buybacks??
Replies: 75
Views: 4595

Re: End of corporate stock buybacks??

stock buybacks were illegal until 1982, time to revisit making them illegal again. Buybacks are mostly there for stock manipulation. Execs and directors on the boards love them, especially of their own compensation is tied to the earnings per share.. I also love the potential for stock buybacks. I ...
by Ketawa
Wed Mar 18, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: Buybacks vs dividends
Replies: 8
Views: 342

Re: Buybacks vs dividends

Wrong . Immediately after the ex dividend date, the price should fall to reflect the distribution. Arbitrage opportunities do sometimes exist, but they are uncommon. However , very shortly afterwards, the event is in the past, and the price goes on to do whatever it does, and the fact of the distri...
by Ketawa
Wed Mar 18, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: Buybacks vs dividends
Replies: 8
Views: 342

Re: Buybacks vs dividends

Any chance we could get the people who are against buybacks to explain how their total return would be higher if companies had paid dividends, rather than generic rants?
by Ketawa
Wed Mar 18, 2020 10:12 am
Forum: Investing - Theory, News & General
Topic: Buybacks vs dividends
Replies: 8
Views: 342

Re: Buybacks vs dividends

So... all those corporate buybacks were OK because 'they are functionally equivalent to dividends'. At least until the market tanks. At which point it becomes obvious what they actually were - lazy corp execs burning VAST amounts of shareholder money to secure themseves personally bonuses worth sma...
by Ketawa
Mon Mar 16, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22459

Re: International is in meltdown

Domestic is down 33% from its peak. International is down 28% from its peak. ETA: peak in the last year. I'm showing domestic (as measured by US total market VTI) down 26% from its peak at this very moment. Where are you getting 33%? Still waiting for an answer on this. Was it just misinformation t...
by Ketawa
Sun Mar 15, 2020 9:34 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

https://www.the-scientist.com/daily-news/cuts-to-prevention-and-public-health-fund-puts-cdc-programs-at-risk-30298 https://thehill.com/policy/finance/486817-trump-budget-chief-holds-firm-on-cdc-cuts-amid-virus-outbreak The CDC budget has been slashed repeatedly. Source? https://cdn.factcheck.org/Up...
by Ketawa
Sun Mar 15, 2020 8:07 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

metacritic wrote:
Sun Mar 15, 2020 7:53 am
The CDC budget has been slashed repeatedly.
Source?

Image
by Ketawa
Fri Mar 13, 2020 10:52 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

Re: TSP allowing more than two interfund transfers per month?

I suspect the web interface may have allowed scheduling the transfer but the transfer itself will not be processed. Or perhaps it isn't being enforced. Please let us know when you get a notification that the transfer completed. The interfund transfer completed last night. I can see it in recent tra...
by Ketawa
Fri Mar 13, 2020 7:58 am
Forum: Personal Investments
Topic: TSP allowing more than two interfund transfers per month?
Replies: 20
Views: 1559

TSP allowing more than two interfund transfers per month?

Here are the TSP's limits on interfund transfers: https://www.tsp.gov/PlanParticipation/AccountManagement/IFTs.html You can make an IFT at any time, but there are some important limitations: The first two IFTs of any calendar month may redistribute money in your account among any or all of the TSP f...
by Ketawa
Thu Mar 12, 2020 12:22 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22459

Re: International is in meltdown

Domestic is down 33% from its peak. International is down 28% from its peak.

ETA: peak in the last year.
by Ketawa
Thu Mar 12, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: Why are bonds falling?
Replies: 236
Views: 5785

Re: Why is BND going down?

why did BND pop? it was at over 89, now back under 84 (actuall went to 76 earlier). i thought interest rates were trending down, so price should go up? Treasury rates are mostly slightly down today, so Treasury funds are slightly up for the most part. VGSH VGIT VGLT EDV - slightly down Corporate bo...
by Ketawa
Thu Mar 12, 2020 9:55 am
Forum: Non-US Investing
Topic: Bid/Ask spreads very wide today?
Replies: 7
Views: 508

Re: Bid/Ask spreads very wide today?

I don't know much about UCITS ETFs. I had to Google it, and learned they are domiciled in Europe. Spreads are only a penny for their counterparts domiciled in the United States, VEA and VWO. I might wait for spreads to return to normal. Putting in a limit order at the current buy would simply mean i...
by Ketawa
Wed Mar 11, 2020 10:34 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143835

Re: [Small Cap Value heads Rejoice !!!]

I rebalanced from QSPIX and fixed income into QSMLX yesterday and today. FWIW, QSMLX and VFMF are not down as much as some other SCV funds. My portfolio has probably been better off at 75% equities/15% fixed income (mostly G Fund)/10% alternatives than it would be at 80% equities/20% fixed income.
by Ketawa
Mon Mar 09, 2020 12:53 pm
Forum: Investing - Theory, News & General
Topic: How often do you re-balance during these times?
Replies: 42
Views: 3573

Re: How often do you re-balance during these times?

There's nothing special about using specific time intervals or bands for rebalancing. Absent frictions like tax impacts or ETF bid/ask spreads, every investor is effectively making the decision to "buy" their portfolio at the current market price. The reason to have a set time interval or rebalancin...