Search found 63 matches
- Sat Dec 31, 2011 3:04 pm
- Forum: Investing - Theory, News & General
- Topic: 2011 Returns Thread
- Replies: 137
- Views: 12912
Re: 2011 Returns Thread
My portfolio is 55% stocks (with modest SCV tilt), 45% bonds (split between TIPS and intermediate term). I'm in withdrawal phase, so there's that drain. IRR for the year is 0.60%, sixty whole basis points. The good news was that interest, dividends and distributions almost covered the withdrawals fo...
- Sun Oct 02, 2011 3:28 pm
- Forum: Investing - Theory, News & General
- Topic: Is Bank of America going to survive?
- Replies: 159
- Views: 34739
Perhaps, but they'll do it without me. I don't own the stock, and I'm in the process of terminating my fee paying, er, banking relationship with them. After last week's fee preannouncements, some of the regional banks have put banners on their front pages indicating that they won't charge fees for d...
- Wed Sep 28, 2011 1:46 pm
- Forum: Investing - Theory, News & General
- Topic: No alarm by Bogleheads over Grecian debt crisis?
- Replies: 62
- Views: 6661
- Wed Sep 21, 2011 7:12 pm
- Forum: Investing - Theory, News & General
- Topic: [short trading] IMF: World economy in 'dangerous new phase'
- Replies: 7
- Views: 1105
Re: "IMF: World economy enters 'dangerous new phase'&am
But my trading portfolio which I started just before 2000 with $25K has done great - $275K as of today. That's it? :lol: Child's play my man... Child's play. I'm up to $430K on a $10,000 investment made in 2000. When you're ready to step up to the Big Leagues , give me a call. Heh. AAPL has been ve...
- Wed Sep 07, 2011 3:10 pm
- Forum: Investing - Theory, News & General
- Topic: Securities transaction fee
- Replies: 6
- Views: 1341
Section 31 Transaction Fee
That's the SEC Section 31 transaction fee. The SEC levies this on exchanges and major self-regulatory organizations (FINRA)
More here: http://www.sec.gov/answers/sec31.htm
It's part of the cost of a stock transaction, so yes, it goes in as part of the commission in Quicken.
More here: http://www.sec.gov/answers/sec31.htm
It's part of the cost of a stock transaction, so yes, it goes in as part of the commission in Quicken.
- Mon Feb 14, 2011 5:29 pm
- Forum: Investing - Theory, News & General
- Topic: Shiller P/E above 24
- Replies: 190
- Views: 26567
- Thu Jun 24, 2010 1:03 pm
- Forum: Investing - Theory, News & General
- Topic: New Vanguard ETF's
- Replies: 62
- Views: 10265
- Mon May 17, 2010 12:46 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard's fraud policy
- Replies: 89
- Views: 14561
This hacking technique won't work cos the financial institution would just invalidate the security code the moment you execute a login. The security code can be made to only be used once. While you are correct that the security code can only be used once, you might have misunderstood the attack mec...
- Thu Mar 04, 2010 7:17 pm
- Forum: Investing - Help with Personal Investments
- Topic: Got Employee Stock Options? Grok's rule for when to exercise
- Replies: 78
- Views: 12578
Re: There is no law that prohibits hedging
Perhaps there is no such law. But my employer prohibits any employee from using any hedging strategy that profits from a fall in the company's stock price. I doubt this is only for "some rare companies". Yup. This seemed pretty common in Silicon Valley. My last employer referred explicitly to this ...
- Tue Mar 02, 2010 1:30 pm
- Forum: Investing - Theory, News & General
- Topic: Wall street is set to take you for another 20%
- Replies: 40
- Views: 6180
Re: Wall street is set to take you for another 20%
I bet he turns out to be right. Article here I don't know about that. The article wraps up with a fairly bizarre conclusion in the last two paragraphs. In fact, it's highly doubtful that you, your portfolio, your family or your America will make it past 2012, let alone into that comfortable retirem...
- Tue Feb 02, 2010 1:51 pm
- Forum: Investing - Theory, News & General
- Topic: Farrell: 20 debt bombs that will sink your retirement
- Replies: 30
- Views: 6403
Re: Farrell: 20 debt bombs that will sink your retirement
Remove all sharp objects from your reach before reading this commentary. Heh. And that's before allowing for asteroid strikes, the Mayan apocalypse, Doomsday, and cats and dogs living together. What's really funny is that this is the same guy who tracks and regularly writes about the fairly Boglehe...
- Thu Jan 21, 2010 1:58 pm
- Forum: Investing - Help with Personal Investments
- Topic: Entire portfolio is taxable - How best to handle long-term?
- Replies: 56
- Views: 7525
Did your BAC stop-loss execute today as planned? Hi Avalpert, Yes it went through about an hour ago. I also made the decision to sell Ford at 11.20 shortly after the stop loss on Bank of America occurred. Deleted my middle and best case scenario's out of spreadsheet just now. My options investing b...
- Mon Jan 11, 2010 5:41 pm
- Forum: Investing - Theory, News & General
- Topic: Last close, VBR up 93.8%?
- Replies: 17
- Views: 2734
Back in the Bad Old Days when I played with individual stocks, I followed Apple Inc (AAPL) closely. This is a large cap, high volume stock. Now, it turns out that there is a defunct oil company called Appell Pete, with a ticker APPL. Some wise guy with shares of this company kept a limit sell order ...
- Thu Dec 17, 2009 2:01 pm
- Forum: Investing - Theory, News & General
- Topic: Can you pick losing stocks?
- Replies: 16
- Views: 2172
- Wed Nov 25, 2009 6:39 pm
- Forum: Investing - Theory, News & General
- Topic: Fox Business - Bogleheads Guide to Retirement Planning
- Replies: 109
- Views: 13620
Re: Indexing vs. active
I love the sales process, as an outside observer. "Of course I will not offer any guarantee whatever related to a risk asset, the two concepts mentioned together is just silly. Whomever posed the question is playing with you, don't fall for it. What is vital to determine first is whether you wish to...
- Wed Nov 25, 2009 3:06 pm
- Forum: Investing - Theory, News & General
- Topic: Fox Business - Bogleheads Guide to Retirement Planning
- Replies: 109
- Views: 13620
Re: American fund annual report
Here is a link to an American fund...pg 2 has the disclaimer followed by performance on pg 3 https://www.americanfunds.com/pdf/mfgear-904_icaa.pdf Yup. That's what I thought. Fund results shown in this report, unless otherwise indicated, are for Class A shares at net asset value. If a sales charge ...
- Thu Nov 05, 2009 6:46 pm
- Forum: Investing - Theory, News & General
- Topic: Robert Prechter and Elliott Wave Theory
- Replies: 6
- Views: 2029
He's highly entertaining, particularly for fans of the near-future megadisaster novel. Recent forecasts call for new lows that are half of the March 2009 lows, bond market collapse, a Grand Supercycle collapse (100 years of bear market?), cats and dogs living together... Somebody must have broken a ...
- Tue Oct 20, 2009 12:27 pm
- Forum: Investing - Theory, News & General
- Topic: From Paul B. Farrell at Marketwatch
- Replies: 24
- Views: 4218
(It's baaack!) I'm not entirely sure this sort of gloom and doom is worth worrying about. The End of the Financial World has been forecast a few times before. Paul Ferrell himself has done this. 2008: http://www.marketwatch.com/story/story/print?guid=FE3C1E3B-3D53-49C0-9DF3-FD94B0E4B9B3 2004: http:/...
- Sat Sep 19, 2009 12:22 pm
- Forum: Investing - Theory, News & General
- Topic: Prepare for Retirement
- Replies: 7
- Views: 1722
"Health care costs in retirement, like health care costs generally, continue to explode. The numbers are daunting. In a June 2009 report, The Employee Benefit Research Institute in Washington estimated that a 65-year-old couple retiring in 2009 would need $268,000 to $414,000 in savings to pay for ...
- Sun Aug 23, 2009 3:48 pm
- Forum: Investing - Theory, News & General
- Topic: The Decumulation Phase
- Replies: 138
- Views: 61401
Otar on rebalancing
Did anyone notice the section on rebalancing? I got a kick out of his spin on the perennial Boglehead discussion. He appears to favor rebalancing in distribution once every four years, at the end of election years! It works for me. I've always thought that an infrequent rebalance would be better tha...
- Sun Aug 23, 2009 3:42 pm
- Forum: Investing - Theory, News & General
- Topic: The Decumulation Phase
- Replies: 138
- Views: 61401
One of the more interesting bits in the book are the Warning Signs, signs at the start and during distribution that the portfolio (and retiree!) are heading for trouble. It reminds me of one of the other strategies I've seen discussed, that suggests a portfolio, after experiencing a strong downdraft...
- Fri Aug 21, 2009 12:33 pm
- Forum: Investing - Theory, News & General
- Topic: NYT: Rise of the Super-Rich Hits a Sobering Wall
- Replies: 29
- Views: 4345
Re: NYT: Rise of the Super-Rich Hits a Sobering Wall
http://www.nytimes.com/2009/08/21/business/economy/21inequality.html John McAfee's worth has fallen to about $4 million from a peak of about $100 million. This clearly looks like a diversification failure. A lesson to behold for every investor. Expensive real estate development in remote, fly-in lo...
- Wed Aug 05, 2009 12:33 pm
- Forum: Investing - Help with Personal Investments
- Topic: Annuity vs regular taxable account
- Replies: 3
- Views: 1221
I went through this drill several years back. The annuity lets investments grow without taxes on the returns while sheltered in the annuity, but all gains are taxed as ordinary income when they come out. [1] The taxable account can produce dividends and capital gains. These are taxed as they occur, ...
- Fri Jul 17, 2009 2:25 pm
- Forum: Investing - Theory, News & General
- Topic: S&P 500 will hit 1500 in 2011-2012, according to JP Morg
- Replies: 31
- Views: 5984
JP Morgan?
It will fluctuate.
- J.P Morgan
J.P. Morgan's response when asked for his forecast of the stock market. I'd say it is about as accurate as reasonably possible.
- J.P Morgan
J.P. Morgan's response when asked for his forecast of the stock market. I'd say it is about as accurate as reasonably possible.

- Mon Jul 13, 2009 11:50 pm
- Forum: Investing - Theory, News & General
- Topic: Wells Fargo Bank Sues Itself
- Replies: 10
- Views: 2456
"This is just folks cranking out paperwork without conscious thought," said Anthony Sabino, a law professor at St. John's School of Law in New York City." It's not even unique. Wells Fargo has some internal... difficulties. I'm involved in a dispute between Wells Fargo Bank NA and Wells Fargo Insur...
- Mon Jul 13, 2009 1:28 pm
- Forum: Investing - Theory, News & General
- Topic: LMFOTP
- Replies: 14
- Views: 2408
GM Stock up 37% right now -- still available at the dollar store. No, that's GMGMQ, the stock for the defunct shell company. The gooroos finally halted it Friday afternoon. It should have been halted earlier in the week, or at the very least before the Friday open, but I suppose there were still po...
- Sat Jul 11, 2009 1:59 pm
- Forum: Investing - Theory, News & General
- Topic: LMFOTP
- Replies: 14
- Views: 2408
A cautionary note...
Please remember that as of July 10, all good assets of the former General Motors (trading as GMGMQ) were sold to a new entity, Vehicle Acquisition Co., which will be renamed General Motors Co. The former General Motors (GMGMQ) is now Motor Liquidation Company. The "New GM" holding all good assets is...
- Sun Jul 05, 2009 12:45 pm
- Forum: Investing - Theory, News & General
- Topic: Brinker sell signal??
- Replies: 32
- Views: 6758
Yes, I've heard that he's very Bogleheadish, and that he even has Jack Bogle on his show from time to time. And yet there's the Jekyll/Hyde aspect of his market timing calls. Guess that's how he makes his "real" money! Well, yes. If you're going to sell a newsletter, you've got to have content that...
- Fri Jul 03, 2009 1:41 pm
- Forum: Investing - Theory, News & General
- Topic: Art Cashin: Why Stocks Will Rally This Week
- Replies: 16
- Views: 3638
NYSE was kept open an extra 15 minutes to address unspecified "system irregularities". Hmmm ... Hmmm indeed... "System irregularities" Someone have a slight order imbalance they needed to address? Now, you listen to me! I want trading reopened right now. Get those brokers back in here! Turn those m...
- Mon Jun 22, 2009 4:57 pm
- Forum: Investing - Theory, News & General
- Topic: Should Vanguard be able to protect its customers from Fraud?
- Replies: 22
- Views: 3961
Re: Should Vanguard be able to protect its customers from Fr
I got a call today from a guy saying he worked for Vanguard, we're on a recorded line and wanted to discuss some important things about my account. He said he wanted to verify that it was me that answered the phone and wanted to start asking personal questions. I turned it around on him and asked -...
- Wed Jun 17, 2009 9:29 pm
- Forum: Investing - Theory, News & General
- Topic: Bogle: Investors Getting Killed In ETFs
- Replies: 28
- Views: 5290
I'm tempted to start a mutual fund that simply invests in VTI. Charge an expense ratio of 0.1% and I'll be set for life! Funny you should mention that. One of the options in my son's 401K is a mutual fund that invests entirely in QQQQ. There's a 1% load and a 0.75% expense for the fund, in addition...
- Thu Jun 04, 2009 9:45 pm
- Forum: Investing - Theory, News & General
- Topic: DOW 1,000,000?
- Replies: 24
- Views: 3700
Re: DOW 1,000,000?
However, if I am calculating things correctly 8750*1.0535^91=1,004,040. That looks like a perfectly cromulent calculation to me. Dow 1,000,000 in 2100. Hmmm... "Oh, hey, my kid wants me to pick up a Happy Meal for him on the way home. Can anyone spot me a $10,000 bill? I'll buy coffee tomorrow!"
- Tue May 26, 2009 12:56 pm
- Forum: Investing - Theory, News & General
- Topic: MarketWatch.com & Number of New Lows & Highs & V
- Replies: 4
- Views: 1052
I use the Wall Street Journal Market Data Center page for this:
http://online.wsj.com/mdc/public/page/m ... mod=2_3000
http://online.wsj.com/mdc/public/page/m ... mod=2_3000
- Fri May 22, 2009 1:09 pm
- Forum: Investing - Theory, News & General
- Topic: Markets are Ready to Fall
- Replies: 57
- Views: 13044
- Wed May 13, 2009 10:21 pm
- Forum: Investing - Theory, News & General
- Topic: Simplicity
- Replies: 61
- Views: 10120
Re: Could be perfect
20% Intermediate Term Bonds (VBIIX, VBILX) 20% Inflation Protected Securities (VIPSX, VAIPX) 33.6% Total Stock Market Index (VTSMX, VTSAX, VTI) 8.4% Small Cap Value (VISVX, VBR) 18% FTSE All-World Ex-US (VFWIX, VEU) Hi paquette: I think your proposed portfolio is excellent if you can the bond and s...
- Wed May 13, 2009 6:56 pm
- Forum: Investing - Theory, News & General
- Topic: Simplicity
- Replies: 61
- Views: 10120
Well, heck, I'm pretty simple-minded, so here's what I came up with. I wanted to hold domestic and foreign equities, and thought a dollop of Small Cap Value might be nice. I read all those papers, lots of posts here, and looked at the charts over at Bob's place, and I figured for my retirement that ...
- Tue Mar 31, 2009 12:39 am
- Forum: Investing - Theory, News & General
- Topic: Owner violated law, saved home from bushfire
- Replies: 4
- Views: 1557
Re: Owner violated law, saved home from bushfire
A family in Australia violated the law by bulldozing a firebreak around their home. After years in court, they get the last laugh. Their home is one of the few to survive a bushfire that leveled their neighborhood. Ah! So what you're really saying is that our asset allocation is like a firebreak, a...
- Thu Dec 11, 2008 1:19 pm
- Forum: Investing - Theory, News & General
- Topic: Shiller's P/E10? waitaminutewaitaminute....
- Replies: 27
- Views: 4645
Re: Shiller's P/E10? waitaminutewaitaminute....
From that chart, P/E10=15 doesn't scream BUY to me. You will probably get average returns but only in the long run (30 years). I don't expect another PE bubble for another generation. And, curiously enough, P/E10 = 15 is about the average historical value for this number. P/E10=10 looks like a good...
- Wed Dec 10, 2008 10:39 pm
- Forum: Investing - Theory, News & General
- Topic: Shiller's P/E10? waitaminutewaitaminute....
- Replies: 27
- Views: 4645
Re: Shiller's P/E10? waitaminutewaitaminute....
Robert Shiller, learned and respected academic, who notably called the hoIs PE10 7.5 really Shiller's 'safe' buy-in point, and otherwise, he would recommend against all equities? If so, it might be a loooong time waiting to hitch your wagon to the engine of business prosperity, if that's your plan,...
- Wed Dec 10, 2008 12:35 pm
- Forum: Investing - Theory, News & General
- Topic: Why Retirees Don't Need More Than 20% In Stocks
- Replies: 53
- Views: 9497
Re: Why Retirees Don't Need More Than 20% In Stocks
And of course one can get more than one annuity, using different companies. Same as one can do with FDIC-insured cash deposits. Go up to your state guarantee association limit for each company. Then you spread your risk of any one company going under. Note that the terms of the guarantees vary wild...
- Sat Nov 29, 2008 5:20 pm
- Forum: Investing - Theory, News & General
- Topic: Nightmares for market timers
- Replies: 234
- Views: 41568
Accounting for taxes : Here are the results of incorporating taxes on the 17 liquidations of the 200 day moving average portfolio. A 15% tax on gains was used, with the assumption that all assets are held in a taxable account. Growth in $1 from 5/18/1966 to 10/31/2008 ...Buy-hold-rebalance............
- Sun Nov 23, 2008 5:28 pm
- Forum: Investing - Theory, News & General
- Topic: NetVest thread
- Replies: 3
- Views: 1502
Without commenting on the merits of the issue at hand, I would respectfully refer readers to the following complaint filed by the Securities Commissioner for the State of Maryland:
http://www.oag.state.md.us/Securities/ComplaintMel.pdf
http://www.oag.state.md.us/Securities/ComplaintMel.pdf
- Sat Nov 22, 2008 12:52 am
- Forum: Investing - Theory, News & General
- Topic: Dividend projections?
- Replies: 8
- Views: 1857
Welcome to retirement. Equity dividend payments are an important part of our income. The portfolio is about 50-50. The bond/cd side pays about 4.5%, the stock side pays around 2.5%. So the total cash thrown off by the portfolio is around 3.5% which certainly does pay the bills. Since I'm retired, I...
- Sat Nov 22, 2008 12:26 am
- Forum: Investing - Theory, News & General
- Topic: Apparently we're just not scared eough
- Replies: 44
- Views: 7288
- Fri Nov 14, 2008 4:31 pm
- Forum: Personal Consumer Issues
- Topic: New GM CEO... Steve Jobs!
- Replies: 13
- Views: 2880
When and where can I get a computer like the Next Cube (I think) that has no fan? I hate the noise as we use our computers in our family room. My garage? :lol: The NeXT Cube had a fairly loud fan, actually. The flat little NeXTStation computers (pizza-box package that fit underneath the monitor) us...
- Fri Nov 14, 2008 4:05 pm
- Forum: Personal Consumer Issues
- Topic: New GM CEO... Steve Jobs!
- Replies: 13
- Views: 2880
Well, it's an interesting idea, but Mr. Jobs actually has a bit of a support infrastructure and staff that he'd need to bring along. It might be easier to just ask him if Apple could buy GM out of their cash stash (GM market cap is 1.85B, and 45.16B in debt, Apple has no debt and cash on hand of 24....
- Thu Nov 06, 2008 12:19 pm
- Forum: Investing - Theory, News & General
- Topic: Future Equity Rate of Return from Here
- Replies: 48
- Views: 8372
I'm exaggerating, but either you have to accept that 7% figure or come up with reason for ignoring it... some better reason than "if I accept it, my projections look lousy." Is it questionable to assume that this part of the economy can continue to grow at ~3 times the rate of everything else indef...
- Fri Oct 17, 2008 12:41 pm
- Forum: Investing - Theory, News & General
- Topic: Time to re-think muni's as safety anchor?
- Replies: 52
- Views: 10846
There is a real possibility that higher than normal muni yields are a signal of higher than normal risk. I wouldn't ignore the danger. There may be some risk there but most of the current high yield appears to be due to asset liquidation into a relatively illiquid market. Unlike corporate bonds, mu...
- Thu Oct 16, 2008 12:06 pm
- Forum: Investing - Theory, News & General
- Topic: Continue buying Muni Fund- Larry?
- Replies: 31
- Views: 6775
Yes what is happening is massive liquidation forced by margin calls and collateral calls and hedge fund redemptions Do hedgies hold munis? I thought they were mostly a retail brokerage product. No, there are a bunch of hedge funds that arbitrage (play the interest rate differential) between munis a...
- Sun Sep 14, 2008 12:46 pm
- Forum: Investing - Theory, News & General
- Topic: Your Personal Inflation Rate in Retirement
- Replies: 15
- Views: 2959
Heh. I used the Fidelity retirement planning tools as one of my 'can I retire yet' checks. The Poor Market 90% confidence model had me running out of cash when I was 98 after I send in my annual $350,000 health insurance premium. What type of inflation assumptions was that model making? If that $35...