Search found 101 matches

by nolabogle
Mon Jan 07, 2013 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account vs. non-tax deferred trad. IRA
Replies: 1
Views: 317

Taxable account vs. non-tax deferred trad. IRA

Thanks to some knowledgeable Boglehead posts I realized my accountant overlooked an important aspect of my 2012 backdoor Roth conversion. I currently have a (pre-tax) SIMPLE IRA and performed a backdoor Roth IRA last year. Due to ‘Pro Rata’ stipulations my entire SIMPLE IRA balance should have been ...
by nolabogle
Sun Jan 06, 2013 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Here's what bothers me (share price)
Replies: 36
Views: 2734

Re: Here's what bothers me

For people that began investing in these funds in 1999/2000, I imagine it would be very difficult to "stay the course". They went through two significant drops (and undoubtedly a great deal of stress) only to come out at about even today. I'm sure a period like this would cause someone to...
by nolabogle
Fri Jan 04, 2013 8:00 pm
Forum: Investing - Theory, News & General
Topic: If I were a selfish mutual fund manager I would...
Replies: 15
Views: 1922

Re: If I were a selfish mutual fund manager I would...

According to this article http://www.businessinsider.com/100-top- ... 013-1?op=1 posted by grayfox on another thread - 3 of the 4 top performing hedge funds for 2012 had a "mortgage-back arbitrage" strategy. I would log onto Amazon.com and order me a copy of "Mortgage Backed Arbitrage for Dummies" and open up shop.
by nolabogle
Fri Jan 04, 2013 5:57 am
Forum: Investing - Theory, News & General
Topic: [Slice and Dice] How do you deal with overlap (REIT, EM)?
Replies: 17
Views: 1441

Re: [Slice and Dice] How do you deal with overlap (REIT, EM)

I don't personally pay too much attention to this particular type of overlap. My reasoning is that we don't truly know what the best risk adjusted asset allocation is going forward. The optimal ratio is only apparent after the fact. Those who understand the fundamentals of investing have a good idea...
by nolabogle
Wed Jan 02, 2013 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: any changes to backdoor ROTH in 2013?
Replies: 28
Views: 3413

Re: any changes to backdoor ROTH in 2013?

Alright, for all of you out there who like to make lump sum contributions to max out IRAs on the first trading day of the year: given today's gains, are you indulging in a little market timing, and waiting to make your contributions/conversions? I'm waiting a day or two for some bad news to come ou...
by nolabogle
Tue Jan 01, 2013 12:55 pm
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 25241

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1515 - Fifteen, fifteen.
by nolabogle
Tue Jan 01, 2013 9:22 am
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 25371

Re: What was your 2012 return?

Vanguard account 15.8% (79%); LA deferred compensation plan 17.68% (21%). 91/9 stock/bond ratio. Primarily index funds with various sector fund exposure as well. Cash was 0.000somethingstupid%. This yield was negated when I gave a few bucks to the guys on the corner playing saxophone on the way to t...
by nolabogle
Thu Dec 27, 2012 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Performance
Replies: 28
Views: 1811

Re: Performance

Tax deferred is 100% stocks. 1 year performance 16.4% for Roth IRA - VG Emerging Markets Index; Simple IRA - VG S&P 500 Index, REIT, Energy, Precious Metals. Good year for equities. Hopefully, with continued economic continues recovery the markets follow.
by nolabogle
Wed Dec 26, 2012 3:57 pm
Forum: Investing - Theory, News & General
Topic: What is your current Asset Allocation Policy and why?
Replies: 83
Views: 12542

Re: What is your current Asset Allocation Policy and why?

Equity 94% / bonds 6%. I am 39 years old and in a position to accept the risk associated with this asset allocation. Stocks obviously tend to outperform bonds over the long term. I am trying to take advantage of more aggressive earlier compounding interest/returns (presuming stocks continue to outpe...
by nolabogle
Tue Dec 25, 2012 9:49 am
Forum: Investing - Theory, News & General
Topic: when do you plan to change AA
Replies: 29
Views: 2253

Re: when do you plan to change AA

Does it worry you that age 40 we could have big bear market? I use milestone because as I reach needs,I need less risk.My goals should be easily obtainable ,so if markets have run up I can cut risk and if markets are extremely bad I stay equity heavy a little longer until recovery I am going with a...
by nolabogle
Mon Dec 24, 2012 4:58 pm
Forum: Investing - Theory, News & General
Topic: when do you plan to change AA
Replies: 29
Views: 2253

Re: when do you plan to change AA

Currently 94% equity/stocks. Plan to stay >90% equity until around 50 years old. At that point will likely start increasing bond holdings.
by nolabogle
Wed Oct 10, 2012 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Need Math Help With My Bogey
Replies: 38
Views: 4467

Re: Need Math Help With My Bogey

quote] Since MSMoney would count periodic cash contributions to both accounts, I do not see why performance reports would not make sense. This is especially true since you seem to have stated that the periodic cash contributions were always in the 1:99 ratio and on the same dates. [/quote] I agree t...
by nolabogle
Tue Oct 02, 2012 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Best Place to Find 12 Month Performances with Dividends
Replies: 8
Views: 765

Re: Best Place to Find 12 Month Performances with Dividends

It is my understanding that Morningstar charts include dividends as well; thus I prefer their charts for research purposes. I dislike Yahoo Finance charts for this same reason. If you extend the time frame of any given performance chart, you see a more dramatic difference between Morningstar and Yah...
by nolabogle
Tue Oct 02, 2012 10:19 am
Forum: Investing - Help with Personal Investments
Topic: retirement plan for physician, best choices?
Replies: 11
Views: 2077

Re: retirement plan for physician, best choices?

I'm in a similiar position with similiar maximal contributions to SIMPLE IRA. I used the backdoor approach to Roth IRA to add $5,000 to my annual tax deferred contributions. This brings my annual contributions close to my goal. Additional intermittent investments (when available) go into non-tax def...
by nolabogle
Sun Sep 30, 2012 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question about personal rate of return
Replies: 13
Views: 1364

Re: Question about personal rate of return

You started with $0 dollars at the beginning of October 5 yrs ago. You cannot earn a percentage starting from $0 (you can have an overall return in dollars as you noted). I had the same issue. It should correct itself at the conclusion of next month when it has a starting $ amount to start with for ...
by nolabogle
Sat Sep 22, 2012 2:14 pm
Forum: Investing - Theory, News & General
Topic: FamaFrench Book to Market valuations
Replies: 3
Views: 286

Re: FamaFrench Book to Market valuations

Thanks for the clarification. I was also curious if anyone is aware of why P/B (BtM) is a better valuation indicator than P/E from the Fama French research standpoint?
by nolabogle
Sat Sep 22, 2012 12:12 pm
Forum: Investing - Theory, News & General
Topic: FamaFrench Book to Market valuations
Replies: 3
Views: 286

FamaFrench Book to Market valuations

I am trying to obtain a better understanding of the Fama French modeling so I can better follow along with the various threads discussing the topic. It was pointed out that Book to Market (BtM) is one of the primary valuation indicators. 1) I understand a stock has a BtM and P/E value. I see funds' ...
by nolabogle
Sat Sep 22, 2012 9:21 am
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 4794

Re: How Many Mutual Funds Do You Own?

Taxable - 3. 1 earmarked for house downpayment Roth IRA - 1. Simple IRA - 4. LA Deferred Compensation - 1. TOTAL -9. My wife's employer's 401k has her in 30 or 40 different funds. I thought this was nonsense. But the accompanying suggests its the norm. I can easily understand 30 or 40 stocks for div...
by nolabogle
Sat Sep 22, 2012 5:47 am
Forum: Investing - Theory, News & General
Topic: History Doesn't Repeat...But It Rhymes!
Replies: 35
Views: 3181

Re: History Doesn't Repeat...But It Rhymes!

1928-1990: +0.13%
1991-2012: +0.14%

Cost of paying an adviser to gain that amount?



Priceless 1%
by nolabogle
Thu Sep 20, 2012 2:23 pm
Forum: Investing - Theory, News & General
Topic: Sector Tilting
Replies: 22
Views: 1641

Re: Sector Tilting

I do invest in Vanguard's Energy and REIT funds outside of my stalwart index funds. Mr. Bogle's original complaints of sector funds were similiar to his complaints about international funds. Many of those barriers have since been removed and sector funds don't have the same drawbacks as they have pr...
by nolabogle
Tue Sep 18, 2012 4:35 pm
Forum: Investing - Theory, News & General
Topic: A question for value tilters about the average investor
Replies: 51
Views: 5470

Re: A question for value tilters about the average investor

Closet Indexer, thanks for your further insight. Quite honestly, the HmL factor and actual factor loadings are well beyond my knowledge. That's why I've decided to refrain from tilting small and value up to this point. But I appreciate learning more about these things from those more knowledgeable i...
by nolabogle
Tue Sep 18, 2012 3:57 pm
Forum: Investing - Theory, News & General
Topic: A question for value tilters about the average investor
Replies: 51
Views: 5470

Re: A question for value tilters about the average investor

So what you're talking about is market timing. Has SCV been better over the long term, yes. Is right now the best time to purchase, perhaps not. Of course, by indulging in market timing you're opening up a much bigger can of worms. I agree the question at hand may lead into a question of market tim...
by nolabogle
Mon Sep 17, 2012 7:41 pm
Forum: Investing - Theory, News & General
Topic: A question for value tilters about the average investor
Replies: 51
Views: 5470

Re: A question for value tilters about the average investor

...As I understand Cochrane's commentary in this respect, and I am open to correction, if the average investor moves towards small value tilting, the benefits of that tilt are eroded or erased. If that is true, what is the basis for thinking that the average investor will not move towards small val...
by nolabogle
Sun Sep 16, 2012 9:16 pm
Forum: Investing - Theory, News & General
Topic: Cardinal Rules of Investing
Replies: 56
Views: 5472

Re: Cardinal Rules of Investing

Never invest in a product/fund/individual/vehicle with a guaranteed return. I learned this from CNBC's American Greed. Disclosure: I have no association with this show. But when you watch it - you see that so many episodes revolve around a slick con-artist salesperson with a ponzi-scheme developed a...
by nolabogle
Thu Sep 13, 2012 10:58 am
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA - What's the catch?
Replies: 22
Views: 2953

Re: SIMPLE IRA - What's the catch?

Retiredjg, thanks for your reply. I'm going to pass along your concerns. But for my understanding - I have an active Simple IRA, taxable account, and inactive Roth and Louisiana Deferred Compensation account. Recently I placed $5,000 in a traditional IRA in a Vanguard Money Market fund for about 3 d...
by nolabogle
Thu Sep 13, 2012 9:14 am
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA - What's the catch?
Replies: 22
Views: 2953

Re: SIMPLE IRA - What's the catch?

I would not use either a SEP or a SIMPLE if there is any possibility you will ever need to use the back door contribution to Roth IRA. If you are currently in one of the lower brackets and expect to stay there, that should not be a problem. I have a Simple IRA and recently completed a backdoor Roth...
by nolabogle
Fri Sep 07, 2012 9:03 am
Forum: Investing - Theory, News & General
Topic: Valuation-based market timing with PE10 can improve returns?
Replies: 696
Views: 113526

Re: Valuation-based market timing with PE10 can improve retu

I do not believe this is correct. PE10 is not the average of the PE over the last 10 years as this comment implies. It takes the current price and divides it by the average earnings over the last 10 years...it's P/E10 or Pcurrent/E10, not (P/E)10. Thus in order to be skewed high due to past data, i...
by nolabogle
Fri Sep 07, 2012 8:31 am
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 60
Views: 8531

Re: 2 Comma Club

Congratulations. I'm just sitting on the porch with the 1 comma puppies. I hope to run in the yard with the 2 comma big dogs sooner or later.
by nolabogle
Thu Sep 06, 2012 9:37 pm
Forum: Investing - Theory, News & General
Topic: Morningstar fund ratings
Replies: 14
Views: 1071

Re: Morningstar fund ratings

VASGX is a fund composed of a few index funds. These index funds will never be on top of their class; but they will never be on the bottom of their class either. More usual than not they will be average to above average (3 stars), excluding fees. When you incorporate the low fees over a long period ...
by nolabogle
Thu Sep 06, 2012 8:45 pm
Forum: Investing - Theory, News & General
Topic: Valuation-based market timing with PE10 can improve returns?
Replies: 696
Views: 113526

Re: Valuation-based market timing with PE10 can improve retu

I recently came across this thread and read through its numerous well thought and argued posts/replies. I have a question for Professor Pfau or other knowledgeable members. Prof. Pfau's research utilizes the PE10. Currently PE10 is 23 (m). Its been above the long-term mean since approximately August...
by nolabogle
Tue Sep 04, 2012 11:29 am
Forum: Investing - Theory, News & General
Topic: "S&P 500 vs. Total Stock Market: Which Is Right for You?"
Replies: 20
Views: 3519

Re: "S&P 500 vs. Total Stock Market: Which Is Right for You?

I have both. And I have a question regarding this - the article doesn't address. Total Stock Market Index is in my personal taxable account. Index 500 is in a Simple IRA. Is there any theoretical reason/benefit from having it vice versa? (I don't actually plan on switiching them due to the tax conse...
by nolabogle
Mon Sep 03, 2012 3:06 pm
Forum: Forum Issues and Administration
Topic: hijacker (PWM) - READ THIS
Replies: 130
Views: 13216

Re: hijacker (PWM) - READ THIS

I will contribute.
by nolabogle
Sat Aug 11, 2012 11:46 pm
Forum: Investing - Theory, News & General
Topic: Technical Analysis Websites - Formulas Not Always Exact?
Replies: 14
Views: 2180

Re: Technical Analysis Websites - Formulas Not Always Exact?

Mr. Frakt, thank you for your reply; but my concern has actually nothing to do with technical analysis. I was only commenting on the condescending remarks of prior posters.
by nolabogle
Sat Aug 11, 2012 6:18 pm
Forum: Investing - Theory, News & General
Topic: Technical Analysis Websites - Formulas Not Always Exact?
Replies: 14
Views: 2180

Re: Technical Analysis Websites - Formulas Not Always Exact?

It is reassuring to see the Boglehead’s site owner/Alex Fract substantiating an esoteric “non-Boglehead” question from a forum member. Most on this forum understand John Bogle’s philosophy. There are obviously many other variables that affect our investments. Saint Jack insists we pay attention to c...
by nolabogle
Wed Aug 08, 2012 3:27 pm
Forum: Investing - Theory, News & General
Topic: PE10 versus PE5 versus PE#
Replies: 10
Views: 1720

Re: PE10 versus PE5 versus PE#

I recognize that "staying the course" doesn't involve watching PE's and other economic variables. I mainly contribute regular monthly investment into my stalwart index funds. However, I like to pay attention to the various economic conditions/variables affecting my investments. I tend not ...
by nolabogle
Wed Aug 08, 2012 1:41 pm
Forum: Investing - Theory, News & General
Topic: PE10 versus PE5 versus PE#
Replies: 10
Views: 1720

PE10 versus PE5 versus PE#

I posed this question on a separate thread. But it may be better suited for its own thread. I was pondering valuations and how quickly companies evolve, succeed, and fall in today's economic climate. I recognize the potential benefits of analyzing PE10 as well as current PE value. My thought is that...
by nolabogle
Wed Aug 08, 2012 10:05 am
Forum: Investing - Theory, News & General
Topic: how do I find out PE10 of foreign stock markets?
Replies: 80
Views: 21384

Re: how do I find out PE10 of foreign stock markets?

Cjking and GhengisKhan, you all seem very knowlegable of the PE10. I was thinking about how quickly companies evolve, rise, and fall in today's economic climate. Do you have any thoughts on the utility, benefits, limitations of a PE5?
by nolabogle
Wed Aug 08, 2012 9:48 am
Forum: Investing - Theory, News & General
Topic: Your Best One Line of Wisdom
Replies: 238
Views: 19348

Re: Your Best One Line of Wisdom

My thought process to retain employees and keep them happy:

The grass isn't always greener on the other side - as long as we keep our side fertilized.
by nolabogle
Tue Aug 07, 2012 8:35 am
Forum: Investing - Help with Personal Investments
Topic: should I break down and buy a gold coin?
Replies: 20
Views: 2468

Re: should I break down and buy a gold coin?

I've got nothing against you buying them, but now is probably not the time. Wait until gold takes a dip. It has been hovering in the $1600 range. Maybe target the $1000 range. Otherwise, don't bother.


I agree.
by nolabogle
Sun Aug 05, 2012 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Other options besides Roth and 401K?
Replies: 39
Views: 5330

Re: Other options besides Roth and 401K?

How would I be able to find a match if my 401K does not offer any sort of match? I honestly don't exactly know what a HSA account is.


HSA is Health Savings Account. http://www.bogleheads.org/wiki/Health_Savings_Account
by nolabogle
Sun Aug 05, 2012 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap or Small Cap Value?
Replies: 16
Views: 3889

Re: Small Cap or Small Cap Value?

Valuations might be a factor going forward, I don't know. Also of the opinion that small cap valuations may be hindering their past relative outperformance (or reverting to the mean). As of 06/30/12, VG Index 500 p/e - 15.3, VG Small Cap Index p/e - 22.3, VG Small Cap Value Index p/e - 18.3. So eve...
by nolabogle
Sat Aug 04, 2012 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Liability if running free medical clinics in Texas?
Replies: 20
Views: 1820

Re: Liability if running free medical clinics in Texas?

After Hurricane Katrina a variety of healthcare providers provided mobile clinics here in New Orleans. One of the prominent clinics was C.A.R.E. (Communities Are Responding Everyday) Clinic. It was arranged by National Association of Free Clinics and Louisiana Free Clinic Association (NAFC). m This ...
by nolabogle
Sat Aug 04, 2012 2:16 pm
Forum: Investing - Theory, News & General
Topic: You just WON the lottery [investing hypothetical]
Replies: 20
Views: 2728

Re: You just WON the lottery

Put it all toward my student loans. Then I'll have about half paid off.
by nolabogle
Fri Aug 03, 2012 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Other options besides Roth and 401K?
Replies: 39
Views: 5330

Re: Other options besides Roth and 401K?

So, it looks like I have many options for this year (since I am not eligible for the 401K until 2013): 1. tIRA and use backdoor method to place it in a roth 2. Taxable account (with international index funds) 3. Deferred annuities (variable annuities) 4. HSA 5. Ibonds 6. ESA 7. EE bonds Is this lis...
by nolabogle
Fri Aug 03, 2012 11:51 am
Forum: Investing - Theory, News & General
Topic: Average 401k investment return
Replies: 43
Views: 5138

Re: Average 401k investment return

"Never under-performs the market" is a bullet for the three-fund portfolio, not just for one index fund. Of course the index fund cannot under-perform itself, however 3 index funds will most likely under-perform. Would you agree? Never under-performs the market (less worry). I actually co...
by nolabogle
Fri Aug 03, 2012 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Other options besides Roth and 401K?
Replies: 39
Views: 5330

Re: Other options besides Roth and 401K?

Are you able to incorporate (set up LLC to be paid through) yourself through the type of work you perform? If so SEP or SIMPLE IRA (not traditional IRA) is an option.
by nolabogle
Wed Aug 01, 2012 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Why does my bond allocation need to be so high?
Replies: 33
Views: 3771

Re: Why does my bond allocation need to be so high?

I feel the same way as you do about bond allocation. I am at least 30 years from retiring (if I ever retire). I recognize that stocks outperform bonds over the long run. I recognize the risk associated with having a heavily weighted equity portfolio. I can live with losing 1/2 the value overnight. I...
by nolabogle
Wed Aug 01, 2012 12:58 pm
Forum: Investing - Theory, News & General
Topic: Average 401k investment return
Replies: 43
Views: 5138

Re: Average 401k investment return

Verakot, as noted above it appears you phrased your initial question somewhat differently than the question you are actually asking. Is there a way to know an average return on investments in 401k for each year for top 10 US investment companies? versus I'd like to compare the performance of my port...
by nolabogle
Wed Aug 01, 2012 12:08 pm
Forum: Investing - Theory, News & General
Topic: mega caps ready to rally?
Replies: 12
Views: 1527

Re: mega caps ready to rally?

I think its partially 'reversion to the mean' following prior relative underperformance.
by nolabogle
Wed Aug 01, 2012 11:33 am
Forum: Investing - Theory, News & General
Topic: The illusion of control and predictability
Replies: 38
Views: 4642

Re: The illusion of control and predictability

So what is it that makes an instrument reading objective but a person's response non-objective when the doctor asks him to say how much pain he's experiencing on a scale of 1-10? If he says "8", that's a fact, just as an instrument's pointer coming to rest at "8" would be a fact...