Bogleheads.org

M1garand30064

Off Topic, but seems like the place to mention it... I was working on some backtesting and needed Leveraged ETF data further than they actually go, so created monthly LETFsim data for QLD, TQQQ, SSO, UPRO, UBT, UST, TMF, and TYD. If it may be of use, you're welcome to it. On Dropbox here: https://w...

M1garand30064

Anyone else think it feels odd to invest $100K into PSLDX and then realize you own .01% of the entire fund? Just surprised this fund is still <$1B assets under management. The fund is incredibly tax inefficient and is really only suitable for tax advantaged accounts. I'd imagine that holds the fund...

M1garand30064

Fed has been trying to spark inflation for many years. It has not been very successful. Now it is targeting 2-3% inflation. If this affects bond prices and PSLDX, if at all, will be two step process 1. Inflation has to go beyond the target Fed has set. 2. Fed has to increase interest rate in respon...

M1garand30064

What is your goal? Precious metals may help if they are a small slice of a balanced portfolio for rebalancing purposes but in isolation I wouldn't recommend it.

M1garand30064

Why would you want to? Sometimes companies near death make an unexpected recovery and produce huge gains. Better to own everything.

M1garand30064

Regarding Roth conversions in a down market, is it possible to designate specific lot IDs to do this to take advantage of lowest cost-basis at conversion? I am not sure this question makes any sense. If it does, the answer is surely "No". No one keeps track of tax lots in any accounts you...

M1garand30064

It depends on what time period you look at. 2-3% would probably be a decent guess, but it could certainly be higher than that going forward.

M1garand30064

Dr. Bernstein's books had the most influence on me.

M1garand30064

I activated the new two step verification login. I'd imagine that will protect me from the vast majority of threats.

M1garand30064

Admiral shares and ETFs have the same expense ratios. Why do you want to switch?

M1garand30064

Thanks everyone! I now have a better idea of expected returns of international stocks and how to consider past performance when selecting mutual funds. Also, especially thanks for the note on how to use Morningstar charts--I've been using Google finance charts and they don't go back as far as the M...

M1garand30064

I know this thread is old from 2013, but I searched and found my exact topic I was looking for. I only began index investing this year 2014, and have a core index portfolio thanks to several members here (Retired JG, Nedsaid, Toons) I am sick of my VTIAX , it is the only index fund that has unrecog...

M1garand30064

I agree with the other posters who say that you will be better off opening up a roth IRA at Vanguard rather than at USAA for your wife. Have you considered the lifecycle funds in your TSP? The L2050 fund sounds like it would be a good fit for you. For your wife I'd recommend putting the money in one...

M1garand30064

Vanguard publishes this information. Below are the investor shares because they have the longest lifespan. https://personal.vanguard.com/us/funds/snapshot?FundId=0085&FundIntExt=INT#tab=1 https://personal.vanguard.com/us/funds/snapshot?FundId=0113&FundIntExt=INT#tab=1 Assuming you dont sell ...

M1garand30064

Nisprius, and other posters, you are all missing the key points But before trying to clarify let me say 7% fees IMO is egregious but NO ONE forces anyone to pay them. I wouldn't, and neither should you. Just way too high a hurdle. Now to address the points First, as Asness notes you shouldn't compa...

M1garand30064

Working2notWork wrote:Some of the comments were pretty frightening.

Yep. The top comments were people swearing off all 401(k) plans convinced that they are a scam. They should follow the infographic up with the results of low cost investing.

M1garand30064

ResearchMed wrote:Um, is this really just sort of an ad for his website?

RM

It sure looks that way. This sock has been sitting in the drawer for 4 years too. Delete thread IMO.

M1garand30064

Does anybody know what percentage of the Vanguard total stock market index fund is comprised of Southwest Airlines? I guess I'll be bearish on whatever percent that is multiplied by 0.4.

M1garand30064

The first thing I would do would be to roll the IRA over into a Vanguard account and put the money in either the target retirement income fund or the lifestrategy income fund. https://personal.vanguard.com/us/funds/snapshot?FundId=0308&FundIntExt=INT https://personal.vanguard.com/us/funds/snapsh...

M1garand30064

It was the first investment book I ever read and I feel like it put me on a good path to focus my investing education. I give the book a lot of credit for that. However, after reading numerous investment books by several different authors I wouldn't recommend it as a first read to someone starting o...

M1garand30064

I'm just curious to hear people's thoughts on Mr. Buffett and his philosophy on investing. Are his proven theories embraced or ignored on this forum? Im pretty comfortable Applying his lessons which are based on temperament and thinking very long term. Does everyone just assume they can't be like h...

M1garand30064

Here's an interesting article I read on this subject last night. http://philosophicaleconomics.wordpress.com/2014/03/16/the-u-s-stock-market-is-expensive-and-it-should-be/ Of course it matters little to me. I'm 31 and dont really care what the market will do in the next few years. I'll be buying reg...

M1garand30064

Man that would be tight. I was planning on maxing out my TSP with my next grade increase, but if that happens I'd probably have to tighten my belt and do it at my current grade.

M1garand30064

This strategy would have worked fine for 1990s and 2000s, even if one had missed out on all the boom years, he would have made it back when the busts wiped it all out. But of course in the stock market, next time is always different. But I'm not sure with much confidence I can now say that the US e...

M1garand30064

Interesting video, but I take issue with their first "fact." 1.5% per year premium since 1950 is pretty remarkable and a pretty long time period, and I'd question how they measured emerging market returns before that time period. What was an emerging market in 1900? You'd think the U.S. co...

M1garand30064

http://etfdailynews.com/2014/01/09/avoi ... s-in-2014/

My paycheck will be used to buy more emerging markets today.

M1garand30064

Has this been updated to reflect the CPI data released a few days ago? Thanks again. This is a wonderful achievement by the members here!

M1garand30064

Hilarious. You'd think if he was going to take a shot like that he'd make sure his funds were outperforming Fama's funds. I guess he assumed that his shareholders would be too lazy to look.

M1garand30064

MichDad wrote:Rick,

Do you happen to know what mix of the Thrift Savings Plan's C fund and S fund would best mimic Vanguard's Total Stock Market Index Fund Admiral shares?

Thank you!

MichDad

4:1 C:S

M1garand30064

For the layperson, I believe a lot of it has to do with the way information is presented by the media. When I talk to people uneducated about the stock market the first thing they point out is that at any time their stocks could lose a huge portion of their value and decades of gains can be wiped ou...

M1garand30064

Can you post the available funds and their expense ratios in your 401K?

If you have a traditional IRA you may want to roll that into your 401K (depends on fund choices). That will make it a lot easier to take advantage of a backdoor Roth IRA.

M1garand30064

cherijoh wrote:I found Larry's blog here:

http://www.goodreads.com/author/show/32 ... edroe/blog

When you click on the links it pulls up CBS news and page not found. What gives?!?!

M1garand30064

This was debated a few weeks ago. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=125060 It is an interesting idea, The question I have is will these new indexes generate enough return to overcome the increase in fees they will have to charge? Personally, I like using the broad market index...

M1garand30064

The I fund leaves a lot to be desired. A lot of people do all domestic investing in the TSP and use vanguard total international in a Roth to cover the international component.

M1garand30064

Even if it were true it is useless information. There is nothing for an educated investor to act on.

M1garand30064

In some of those comparisons, it looks like the OP left out dividends. The TSP funds do not distribute dividends. For example, the C Fund did not beat the S&P 500 by 2.5% over the last 12 months. It's typically within about 10 bp. The TSP funds do regularly beat their benchmarks. Go to this pag...

M1garand30064

Wow. Can anyone explain why the equity funds outperformed their benchmarks by that much over the year?

M1garand30064

I love Clark. He is a fellow Atlantan and I have run into him several times. He is just as nice in person as he is on the air. It is not a facade either...he is really as frugal as he claims to be on air. The last time I saw him was waiting on a MARTA bus north of Atlanta.

M1garand30064

Someone correct me if I am wrong, but I dont think you are allowed to do that until you are under your own coverage. Do your parents have a HDHP?

Have you started a ROTH IRA yet? You'd be better served by putting money there and then worry about your HSA when you get your own plan.

M1garand30064

In looking at how various mutual fund investments have done - I usually chart the last 5 years to make sure the recession/dip is included to see how far they fall, and then how they recover... In keeping with this simple theme - I was wondering what the best type of fund to have in each of these re...

M1garand30064

This may be overly ambitious, but I'd like to see a 401k simulator be added. Ideally I'd like to be able to pick an asset allocation, enter a starting salary and expected raises and see what your portfolio would be worth after x number of years of contributions. Something replicating this would be g...

M1garand30064

I day traded stocks and made 10k in school. Then I day traded a 3x leveraged product and lost all the gains. It took 1 week to loose, what I gained in 1 year of day trading. 2 years down the road in 2011, when I was frequenting other forums, people showed math that the leveraged product I used can ...

M1garand30064

We really need more information to make good recommendations. Start with answering these questions: 1. How old are you? 2. How is your financial condition? (Debt, expenses vs income, etc) 3. Are you in retirement or plan to retire soon? 4. How long have you held each of the funds and how bad would t...

M1garand30064

I just finished Nate Silver's book "The Signal and the Noise" and it had an excellent chapter examining EMH and behavioral finance. The conclusions he reached about bubbles, their persistence, and why it is so hard to profit off of them were excellent in my opinion. The phrase "The ma...

M1garand30064

This spreadsheet is incredible. Thank you everyone for putting it together!

I'm afraid I have a dumb question. Do the returns reflect dividends and dividend reinvestment, or are they without dividends? Thanks!

M1garand30064

As long as that asset class has risk that cant be diversified away I'd think it will persist.

M1garand30064

Interesting. How would you control fund expenses with a strategy like this? You'd think that would be a big barrier to this strategy.

M1garand30064

osarsiph wrote:That's nothing...on 9/23/2011, the 3-month Treasury rate rose by infinity percent (from 0.00% to 0.01%).

Well done!

M1garand30064

My TSP buy day is tomorrow, and my Roth IRA autobuy is the last business day of the month.

It is about time to leave work. I think I'll go hit a few golf balls!

M1garand30064

It's annoying to say the least. Newb, As I posted HERE , we should take risk to the extent we "need to" in order to meet goals given "expectations" (not guarantees) from the Markets. A 1.6% drop may be "annoying" but then 10.6% or 20.6% or 30.6% drops may mean somethin...

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