Search found 85 matches

by M1garand30064
Sat Oct 24, 2020 10:40 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 7246
Views: 708339

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

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...
by M1garand30064
Fri Sep 25, 2020 4:55 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 728
Views: 81015

Re: Why not 100% PSLDX?

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...
by M1garand30064
Fri Aug 28, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 728
Views: 81015

Re: Why not 100% PSLDX?

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...
by M1garand30064
Sat Jun 27, 2020 3:35 pm
Forum: Personal Investments
Topic: investing in silver - long term
Replies: 1
Views: 319

Re: investing in silver - long term

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.
by M1garand30064
Fri Jun 29, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 5616

Re: Why would creating an intelligent S&P 475 be so difficult to do?

Why would you want to? Sometimes companies near death make an unexpected recovery and produce huge gains. Better to own everything.
by M1garand30064
Fri Jan 15, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21209
Views: 2877975

Re: U.S. stocks in freefall

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...
by M1garand30064
Mon Dec 28, 2015 7:26 pm
Forum: Investing - Theory, News & General
Topic: How much inflation in the US per year?
Replies: 56
Views: 6136

Re: How much inflation in the US per year?

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.
by M1garand30064
Wed Oct 14, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: How/where have you learned the most?
Replies: 28
Views: 3291

Re: How/where have you learned the most?

Dr. Bernstein's books had the most influence on me.
by M1garand30064
Fri Sep 18, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Group Fires Whistleblower Who Told TheStreet About Flaws in Customer Security
Replies: 26
Views: 3753

Re: Vanguard Group Fires Whistleblower Who Told TheStreet About Flaws in Customer Security

I activated the new two step verification login. I'd imagine that will protect me from the vast majority of threats.
by M1garand30064
Thu Aug 27, 2015 11:00 am
Forum: Personal Investments
Topic: Converting Vanguard ETF shares to Admiral shares
Replies: 20
Views: 3870

Re: Converting Vanguard ETF shares to Admiral shares

Admiral shares and ETFs have the same expense ratios. Why do you want to switch?
by M1garand30064
Thu Aug 27, 2015 8:40 am
Forum: Personal Investments
Topic: Performance of VGTSX
Replies: 18
Views: 6046

Re: Performance of VGTSX

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...
by M1garand30064
Tue Dec 09, 2014 2:22 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX? [Vanguard Total International]
Replies: 66
Views: 16436

Re: What's wrong with VTIAX?

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...
by M1garand30064
Tue Oct 28, 2014 8:49 am
Forum: Personal Investments
Topic: My first post, TSP advice.
Replies: 17
Views: 2514

Re: My first post, TSP advice.

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...
by M1garand30064
Mon Oct 27, 2014 2:17 pm
Forum: Investing - Theory, News & General
Topic: Expected Tax Drag of a Taxable Account
Replies: 7
Views: 1699

Re: Expected Tax Drag of a Taxable Account

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 ...
by M1garand30064
Sat Oct 25, 2014 8:51 am
Forum: Investing - Theory, News & General
Topic: new interesting piece by Asness on hedge funds
Replies: 26
Views: 3542

Re: new interesting piece by Asness on hedge funds

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...
by M1garand30064
Tue Sep 30, 2014 7:01 am
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 3992

Re: "How Retirement Fees Cost You"

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.
by M1garand30064
Mon Sep 22, 2014 12:24 pm
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downside
Replies: 55
Views: 6853

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

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.
by M1garand30064
Mon Sep 22, 2014 12:16 pm
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downside
Replies: 55
Views: 6853

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

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.
by M1garand30064
Tue Aug 26, 2014 2:05 pm
Forum: Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 2678

Re: Portfolio advice for Mom at 86 years

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...
by M1garand30064
Thu Aug 21, 2014 2:15 pm
Forum: Investing - Theory, News & General
Topic: A random walk...
Replies: 21
Views: 2341

Re: A random walk...

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...
by M1garand30064
Tue Apr 22, 2014 3:06 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 4717

Re: Warren Buffett

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...
by M1garand30064
Mon Mar 17, 2014 3:10 pm
Forum: Investing - Theory, News & General
Topic: Bubble Behavior?
Replies: 18
Views: 2821

Re: Bubble Behavior?

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...
by M1garand30064
Tue Mar 04, 2014 1:54 pm
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 8073

Re: Get ready for the Dow at 6,000 by 2016: Pro

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. :|
by M1garand30064
Fri Feb 21, 2014 1:51 pm
Forum: Investing - Theory, News & General
Topic: Market Timing Boom & Bust Cycles
Replies: 20
Views: 1851

Re: Market Timing Boom & Bust Cycles

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...
by M1garand30064
Fri Feb 21, 2014 8:40 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets
Replies: 15
Views: 2563

Re: Emerging Markets

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...
by M1garand30064
Wed Jan 22, 2014 11:08 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1217
Views: 728458

Re: Spreadsheet for backtesting (includes TrevH's data)

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! :sharebeer
by M1garand30064
Tue Jan 14, 2014 8:50 am
Forum: Investing - Theory, News & General
Topic: Third Avenue's Whitman calls Fama's Work Nonsense
Replies: 9
Views: 1582

Re: Third Avenue's Whitman calls Fama's Work Nonsense

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. :confused
by M1garand30064
Fri Dec 13, 2013 12:47 pm
Forum: Investing - Theory, News & General
Topic: Look at me! I'm beating the S&P!
Replies: 13
Views: 2460

Re: Look at me! I'm beating the S&P!

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
by M1garand30064
Wed Dec 04, 2013 3:26 pm
Forum: Investing - Theory, News & General
Topic: Stock investing and the fear of flying
Replies: 57
Views: 5559

Re: Stock investing and the fear of flying

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...
by M1garand30064
Fri Nov 22, 2013 8:01 am
Forum: Personal Investments
Topic: Another Ameriprise escapee looking for advice
Replies: 11
Views: 2526

Re: Another Ameriprise escapee looking for advice

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.
by M1garand30064
Fri Nov 22, 2013 7:46 am
Forum: Investing - Theory, News & General
Topic: What happened to Larry Swedroe's and Allan Roth's Blogs?
Replies: 26
Views: 4413

Re: What happened to Larry Swedroe's and Allan Roth's Blogs?

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?!?! :(
by M1garand30064
Fri Nov 15, 2013 10:17 am
Forum: Investing - Theory, News & General
Topic: How to beat the index
Replies: 26
Views: 2646

Re: How to beat the index

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...
by M1garand30064
Wed Oct 30, 2013 7:05 pm
Forum: Investing - Theory, News & General
Topic: Beyond TSP
Replies: 13
Views: 1700

Re: Beyond TSP

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.
by M1garand30064
Tue Oct 01, 2013 7:13 pm
Forum: Investing - Theory, News & General
Topic: The Eisenhower Recovery
Replies: 26
Views: 3377

Re: The Eisenhower Recovery

Even if it were true it is useless information. There is nothing for an educated investor to act on.
by M1garand30064
Tue Oct 01, 2013 5:23 pm
Forum: Investing - Theory, News & General
Topic: On the Thrift Savings Plan: Some Observations, 9/30/2013
Replies: 7
Views: 1247

Re: On the Thrift Savings Plan: Some Observations, 9/30/201

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...
by M1garand30064
Tue Oct 01, 2013 12:39 pm
Forum: Investing - Theory, News & General
Topic: On the Thrift Savings Plan: Some Observations, 9/30/2013
Replies: 7
Views: 1247

Re: On the Thrift Savings Plan: Some Observations, 9/30/201

Wow. Can anyone explain why the equity funds outperformed their benchmarks by that much over the year?
by M1garand30064
Sun Aug 11, 2013 9:29 pm
Forum: Investing - Theory, News & General
Topic: Clark Howard, the most reasonable financial guru
Replies: 24
Views: 5266

Re: Clark Howard, the most reasonable financial guru

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.
by M1garand30064
Wed Aug 07, 2013 1:32 pm
Forum: Personal Investments
Topic: HSA and the IRS
Replies: 3
Views: 570

Re: HSA and the IRS

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.
by M1garand30064
Sun Aug 04, 2013 7:24 pm
Forum: Investing - Theory, News & General
Topic: best funds for the 4 economic scenarios
Replies: 5
Views: 1327

Re: best funds for the 4 economic scenarios

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...
by M1garand30064
Wed Jul 31, 2013 7:37 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1217
Views: 728458

Re: JonoJono1: Improve, Revise, Update, Debug Simba's Backte

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...
by M1garand30064
Mon Jul 29, 2013 9:49 pm
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 129
Views: 86943

Re: What did Bogleheads do when the stock market crashed?

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 ...
by M1garand30064
Wed Jul 24, 2013 2:57 pm
Forum: Personal Investments
Topic: Number of Holding in Brokerage Account
Replies: 14
Views: 1115

Re: Number of Holding in Brokerage Account

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...
by M1garand30064
Fri Jul 12, 2013 9:46 am
Forum: Investing - Theory, News & General
Topic: Does EMH hold water?
Replies: 28
Views: 3350

Re: Does EMH hold water?

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...
by M1garand30064
Thu Jul 11, 2013 2:53 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1217
Views: 728458

Re: Spreadsheet for backtesting (includes TrevH's data)

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! :sharebeer
by M1garand30064
Mon Jul 01, 2013 2:06 pm
Forum: Investing - Theory, News & General
Topic: Will the Small-Value premium persist over 40 years?
Replies: 73
Views: 8696

Re: Will the Small-Value premium persist over 40 years?

As long as that asset class has risk that cant be diversified away I'd think it will persist.
by M1garand30064
Fri Jun 28, 2013 9:18 pm
Forum: Investing - Theory, News & General
Topic: Liquidity as factor
Replies: 20
Views: 2455

Re: Liquidity as factor

Interesting. How would you control fund expenses with a strategy like this? You'd think that would be a big barrier to this strategy.
by M1garand30064
Mon Jun 24, 2013 12:28 pm
Forum: Investing - Theory, News & General
Topic: Treasuries' Worst Week In 50 Years
Replies: 23
Views: 3314

Re: Treasuries' Worst Week In 50 Years

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! :sharebeer
by M1garand30064
Thu Jun 20, 2013 3:13 pm
Forum: Personal Investments
Topic: Things are getting interesting...
Replies: 12
Views: 2280

Re: Things are getting interesting...

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! :sharebeer
by M1garand30064
Thu Jun 20, 2013 2:30 pm
Forum: Investing - Theory, News & General
Topic: Why is the Market having a major sell off?
Replies: 121
Views: 11131

Re: Why is the Market having a major sell off?

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...