Search found 965 matches

by Dead Man Walking
Tue Jul 07, 2020 11:10 pm
Forum: Investing - Theory, News & General
Topic: Does minimum volatility give better returns?
Replies: 61
Views: 6589

Re: Does minimum volatility give better returns?

Based on my experience with Vanguard Global Minimum Volatility Fund, the answer is no. DMW Did you mean to say “yes”? https://www.portfoliovisualizer.com/fund-performance?s=y&symbol=VMNVX&benchmark=VT I meant to say no. I am comparing the performance of Vanguard Global Minimum Volatility Fund (VMVF...
by Dead Man Walking
Tue Jul 07, 2020 10:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mega Cap Growth ETF (MGK) tilt
Replies: 11
Views: 883

Vanguard Mega Cap Growth ETF (MGK) tilt

There are many posts about small cap value tilts. I can’t recall any posts which advocate a mega cap growth tilt. Vanguard Mega Cap Growth ETF (MGK) is the only fund that I am aware of that would provide such a tilt. There are several large cap growth funds that track a variety of indices. If tiltin...
by Dead Man Walking
Tue Jul 07, 2020 10:37 pm
Forum: Investing - Theory, News & General
Topic: Does minimum volatility give better returns?
Replies: 61
Views: 6589

Re: Does minimum volatility give better returns?

Based on my experience with Vanguard Global Minimum Volatility Fund, the answer is no.

DMW
by Dead Man Walking
Tue Jul 07, 2020 9:06 pm
Forum: Investing - Theory, News & General
Topic: Scott Burns on how COVID-19 blew up the life of Riley Index
Replies: 35
Views: 2941

Re: Scott Burns on how COVID-19 BLEW UP THE LIFE OF RILEY INDEX

For those wondering what "life of Riley" refers to... from https://grammarist.com/idiom/living-the-life-of-riley/: Living the life of Riley means living the easy life, an existence marked by luxury and a carefree attitude. The term living the life of Riley is an American phrase, it first appeared i...
by Dead Man Walking
Tue Jun 23, 2020 12:31 am
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13643

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

I was disappointed that active vs. passive wasn’t discussed.

DMW
by Dead Man Walking
Fri Jun 19, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5614

Re: "Is this time different?"

this is the first pandemic we’ve had in over 100 years. It’s not. Asian flu 1957 killed 116,000 Americans and Hong Kong flu 1968 killed approx 100,000 Americans according to the CDC. Exactly. And don't forget, the US population in 1957 was about half the size of today. 1968 about 60% the size of to...
by Dead Man Walking
Sun Jun 07, 2020 10:12 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21023

Re: Markets back near all time highs - how are you feeling and path forward ?

A lot of what is driving the US and recently even INTL too is not based at all on current economic fundamentals but rather three things. First central banks around the world are fully on board with preventing acute meltdown. In the US the FED is buying corporate bonds, acting as the buyer of last r...
by Dead Man Walking
Tue Jun 02, 2020 11:56 pm
Forum: Investing - Theory, News & General
Topic: Disconnect between market and economy
Replies: 12
Views: 1534

Re: Disconnect between market and economy

Stay the course is sound advice; however, if you’ve lost your job and your employer has gone out of business, staying the course may not be an option when your emergency fund runs out. I believe the captain of the Titanic stayed the course. A perfect storm may sink many boats.

DMW
by Dead Man Walking
Mon Jun 01, 2020 1:12 pm
Forum: Personal Investments
Topic: Chase You Invest - "Invest and Forget"
Replies: 9
Views: 1186

Re: Chase You Invest - "Invest and Forget"

I have a YouInvest account because it is simpler to buy funds or ETFs using funds from my Chase savings account. The YouInvest platform is a bare bones platform similar to Vanguard’s. If you are building a three fund portfolio using Vanguard index funds or ETFs and are comfortable having most of you...
by Dead Man Walking
Tue May 26, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4259

Re: Bogleheads: What is your largest single stock holding? (if any)

Prudential (PRU) When Prudential demutualized, life insurance policy owners were given shares based on the size of their policies. My wife and I have 106 shares that we have never sold because of capital gains taxes. The cost basis for the shares is $0, not the $29+ IPO price. PRU fluctuates wildly;...
by Dead Man Walking
Fri May 22, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20273

Re: What is your most luxury/expensive hobby.

I spend $70-$80 a month feeding birds and other wildlife. My hobby makes me feel so guilty that I contribute more to the local food bank.

DMW
by Dead Man Walking
Fri May 22, 2020 12:37 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18530

Re: Bird watchers – what birds are you seeing?

After dark, I am seeing a raccoon and an opossum with her young riding on her back enjoying the feed that I provide for the birds. Rabbits, chipmunks, squirrels, and deer also enjoy the smorgasbord that I provide for the birds. As an old fart, I enjoy the wildlife that frequent my feeders. It’s chea...
by Dead Man Walking
Fri May 22, 2020 12:27 am
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 60
Views: 4915

Re: what to do about 1000s of dandelions/weeds?

I enjoy the weeds in my lawn. Dandelions and violets are currently in bloom. Finches feast on dandelion seeds. I also enjoy watching birds. It’s too expensive to control weeds on two acres. Buy a six pack, sit back, and enjoy nature’s beauty.

DMW
by Dead Man Walking
Fri May 22, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6514

Re: Alternatives to Craftsman Tools

Craftsman = crap recently. I won’t miss Sears.

DMW
by Dead Man Walking
Thu May 21, 2020 11:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21822

Re: Vanguard brokerage account transition

Vanguard could resolve the problem by simply providing complete year to date statements. I’d transition tomorrow if they chose to provide year to date statements at year’s end. The fact that they can’t do so with brokerage accounts leads me to believe that they have an inefficient algorithm for thei...
by Dead Man Walking
Thu May 21, 2020 10:10 pm
Forum: Personal Investments
Topic: Annuity?
Replies: 38
Views: 2621

Re: Annuity?

I had a similar experience yesterday. I researched annuities here and found that some Bogleheads don’t have a problem with them. My problem with them is that I would be placing faith in the financial stability of an insurance company in an unstable economy. My wife and I decided that we would rather...
by Dead Man Walking
Thu May 21, 2020 9:37 pm
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 49
Views: 4198

Re: Assuming we start paying banks to hold our money (in the US)

I can’t find the thread, but a European Boglehead posted that banks pay a ridiculously low rate on consumer accounts. As I recall, it was .01% - which isn’t much different than rates at major US banks. Depositors are still losing money due to inflation, but not paying to hold money.

DMW
by Dead Man Walking
Mon May 18, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3963

Re: Wall Street says stocks are very overvalued

I looked at Morningstar before I logged in here and the market was up overall and small and mid caps were up considerably - scv was up over 7%. Who is running the Street today?

DMW
by Dead Man Walking
Sat May 09, 2020 11:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard May 7 Webcast
Replies: 19
Views: 1852

Re: Vanguard May 7 Webcast

The Vanguard predictions make me feel better about my allocations to international funds and cash! :D

DMW
by Dead Man Walking
Fri Apr 24, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds performance - Q1 2020
Replies: 151
Views: 6348

Re: Vanguard factor funds performance - Q1 2020

The factor funds discussed thus far are domestic funds. Vanguard’s Global Minimum Volatility Fund (VMVFX) outperformed Total World Index Fund (VTWAX) during the quarter. VMVFX -20.92%; VTWAX -22.29%. Not exactly a stellar performance, but outperformance none the less. VMVFX had more international ex...
by Dead Man Walking
Wed Apr 22, 2020 11:24 pm
Forum: Personal Consumer Issues
Topic: Spectrum (Charter) cable changing security suite provider
Replies: 1
Views: 245

Spectrum (Charter) cable changing security suite provider

If you subscribe to internet service from Spectrum, you are probably aware that Spectrum offers a free Security Suite for internet security. They have changed providers for the free security software. The software that had been provided by McAfee is now provided by F-Secure. According to reviews, F-...
by Dead Man Walking
Mon Apr 13, 2020 11:58 pm
Forum: Investing - Theory, News & General
Topic: DFA, small value, large value performance
Replies: 17
Views: 1512

Re: DFA, small value, large value performance

15 years is about one third of a long-term investors accumulation phase. How long should a long-term investor be expected to accept underperformance? Please be realistic with any responses.

DMW
by Dead Man Walking
Mon Apr 13, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4196

Re: Improving online security

Online security threads often discuss passwords and password managers. Usernames aren’t usually mentioned as a security measure. The username that I use for my bank account has 28 characters. A hacker may give up before s/he even gets to my password which also uses all of the characters permitted. S...
by Dead Man Walking
Mon Apr 13, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212066

Re: [What TV Show Have You Recently Watched?]

World on Fire on Masterpiece is a WWII drama series on PBS. The plot is interesting since it centers around a an upper class Brit with a romantic relationship with two commoners, one of whom is Polish. Baptiste on Masterpiece , also on PBS, is a detective story whose main character is senior citize...
by Dead Man Walking
Thu Apr 09, 2020 10:54 pm
Forum: Personal Investments
Topic: Dumping small value?
Replies: 107
Views: 8750

Re: Dumping small value?

I’ve debated small caps with Larry Swedroe on this forum. My perspective is that small is the significant factor in the debate. There will be times when value outperforms growth and vice versa. I’m invested in Vanguard Tax-Managed Small Cap Fund, which is a blend fund, and it has been hammered recen...
by Dead Man Walking
Sat Apr 04, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 506
Views: 18530

Re: Bird watchers – what birds are you seeing?

We have a variety of birds native to east central Ohio. We have 4 feeders that we fill daily. The suet we put out attracts woodpeckers - hairy, downy, and red bellied. Who was the idiot that named the red bellied woodpecker? Since we have many sparrows, I tried to identify each species. House sparro...
by Dead Man Walking
Sat Apr 04, 2020 8:46 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Will negative yields lead to increased risk-taking?
Replies: 23
Views: 1543

Re: Swedroe: Will negative yields lead to increased risk-taking?

typical.investor wrote:
Fri Apr 03, 2020 9:16 pm
Dead Man Walking wrote:
Fri Apr 03, 2020 7:45 pm
Negative rates don’t seem to have encouraged many Europeans to chase equity returns.

DMW
Or did they buy US stocks and bonds?

Last data I remember seeing shows they did
You may be right, but I don’t think that was the behavior European central bankers were hoping for.
by Dead Man Walking
Fri Apr 03, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global Minimum Volatility
Replies: 24
Views: 1303

Re: Vanguard Global Minimum Volatility

According to Morningstar, Vanguard Global Minimum Volatility Fund (VMVFX) has performed slightly better year to date than Vanguard Total World Index Fund (VTWAX) and Vanguard Global Equity Fund (VHGEX). VMVFX -23.40% VHGEX -24.69% VTWAX -25.37% VMVFX has performed worse than I expected; however, a p...
by Dead Man Walking
Fri Apr 03, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Will negative yields lead to increased risk-taking?
Replies: 23
Views: 1543

Re: Swedroe: Will negative yields lead to increased risk-taking?

Negative rates don’t seem to have encouraged many Europeans to chase equity returns.

DMW
by Dead Man Walking
Fri Apr 03, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10875

Re: How much have YOU reduced spending during downturns?

All of the places that I spend money are closed during this downturn. Other downturns haven’t caused any reduction in my spending. I’m generally a frugal spender.

DMW
by Dead Man Walking
Fri Apr 03, 2020 6:36 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7121

Re: Share what worked in your plan during the crisis

The equity portion of my portfolio was higher than my plan specified; the correction rebalanced my portfolio. Having an asset allocation that matches my ability, need, and willingness to take risk helped. Treasury bond funds, savings bonds, CDs, and savings accounts worked. Vanguard Global Minimum V...
by Dead Man Walking
Fri Mar 27, 2020 10:18 pm
Forum: Investing - Theory, News & General
Topic: Expectations for recession: Sharp but hopefully short
Replies: 19
Views: 1723

Re: Expectations for recession: Sharp but hopefully short

Seems to be ignoring the number of shuttered businesses, which won’t ever recover. I’ve heard that 40% of workers are employed by small businesses. Many of them may not recover - which may mean that unemployment rates may go from some lowest in history to some of the highest since the Great Depress...
by Dead Man Walking
Sun Mar 22, 2020 5:11 pm
Forum: Personal Investments
Topic: When are you rebalancing?
Replies: 76
Views: 4660

Re: When are you rebalancing?

I’m waiting until the dust settles. The erratic daily fluctuations of the markets makes accurate rebalancing nearly impossible. If an investor must rebalance within small bands, he should consider the one fund portfolio described above.

DMW
by Dead Man Walking
Sat Mar 21, 2020 9:16 pm
Forum: Personal Investments
Topic: This time it's different
Replies: 32
Views: 4353

Re: This time its different

This time it is different for me. If I contract the coronavirus, there is a high probability that I will die from it or complications caused by it. I suffered paper losses from other market downturns. The good news is that my portfolio will survive.

DMW
by Dead Man Walking
Sat Mar 21, 2020 1:15 am
Forum: Personal Finance (Not Investing)
Topic: In network lab sent test to an out of network lab?
Replies: 12
Views: 759

Re: In network lab sent test to an out of network lab?

Some out of network providers will accept the in network payment and call it a day. They don’t want to go through the hassle of being certified as a network provider.

DMW
by Dead Man Walking
Fri Mar 13, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: Flashback '87
Replies: 10
Views: 631

Re: Flashback '87

BoggledHead2 wrote:
Fri Mar 13, 2020 12:23 pm
Level headed and media went buy buy a long time ago
I’m pretty sure that you meant “bye bye” . Sorry, I couldn’t resist the sarcasm. :happy

DMW
by Dead Man Walking
Thu Mar 12, 2020 4:21 pm
Forum: Investing - Theory, News & General
Topic: The "everything rally" is turning into the "everything crash"
Replies: 44
Views: 3842

Re: The "everything rally" is turning into the "everything crash"

Long bonds make a precarious "safe haven" at current interest rates. We will see how diversified the two fund portfolio really is. Never understood the reticence to make room for gold if one is carrying all that dead wood of bonds. There are people who are 30/70 and they believe this is safe & cons...
by Dead Man Walking
Wed Mar 11, 2020 12:20 am
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 10333

Re: Are any early accumulators thankful for the current correction?

All of these posts remind me of an adage that an elder who had lived through the depression told me 60 years ago: When your neighbor is unemployed, it’s a recession. When you are unemployed, it’s a depression. If you are experiencing a depression, you may not be so thankful for the effects of the cu...
by Dead Man Walking
Thu Mar 05, 2020 7:32 pm
Forum: Investing - Theory, News & General
Topic: Interest rate cuts, pumped up equities endgame
Replies: 29
Views: 3142

Re: Interest rate cuts, pumped up equities endgame

In an Associated Press article titled “Virus spread prompts Fed to slash interest rates” by Martin Crutsinger and Christopher Rugaber, Chairman Jerome Powell stated, “So, we saw a risk to the economy, and we chose to act.”

DMW
by Dead Man Walking
Thu Mar 05, 2020 12:38 am
Forum: Personal Investments
Topic: Rate cut - so whats next for cash
Replies: 28
Views: 4636

Re: Rate cut - so whats next for cash

My reasoning for my asset allocation is not changed by a 0.5% decrease in the target Federal Funds Rate, which only applies to credit-worthy banks lending among themselves overnight (including over-weekend). Beyond that the Fed has influence, but not control. PJW The Fed’s influence is what scares ...
by Dead Man Walking
Mon Mar 02, 2020 11:33 pm
Forum: Personal Consumer Issues
Topic: Alexa Dot
Replies: 18
Views: 1576

Re: Alexa Dot

Thanks to all who responded to my questions. Although there may be ways one can set privacy options on the app, I’m slightly paranoid and don’t trust Amazon. The best solution to my paranoia is to unplug my Alexa Dot. The only thing that I’ve used it for is to find out the temperature so that I coul...
by Dead Man Walking
Sun Mar 01, 2020 1:55 am
Forum: Personal Consumer Issues
Topic: Alexa Dot
Replies: 18
Views: 1576

Alexa Dot

My great nephew just connected an Alexa Dot from Amazon for me. Are there any security issues that I should be concerned about? I’ll probably use it for reminders and general information.

DMW
by Dead Man Walking
Sun Mar 01, 2020 1:41 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13719

Re: Do you ever use cash?

Several waitresses have told me that tips added to credit card payments frequently aren’t credited to the waitress or to the wrong waitress. Therefore, I tip in cash even if I use a credit card or a gift card. I am a good tipper; consequently, I receive excellent service at all of the local establis...
by Dead Man Walking
Fri Feb 28, 2020 12:04 am
Forum: Investing - Theory, News & General
Topic: How often to rebalance during these times?
Replies: 4
Views: 573

Re: How often to rebalance during these times?

I wait until the dust settles. It may be months before the markets even out. To quote Aaron Rodgers - RELAX.

DMW
by Dead Man Walking
Sat Feb 22, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement expenses vs pre-retirement expenses?
Replies: 28
Views: 3045

Re: Retirement expenses vs pre-retirement expenses?

For some folks retirement expenses are higher because they have more time to spend money. Travel is expensive. For northerners, being a snowbird is expensive. Your choice of lifestyle will determine the difference.

DMW
by Dead Man Walking
Fri Feb 21, 2020 9:54 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9906

Re: Has Vanguard deteriorated?

Naikansha, To what company's representative are you referring when you say you give them a list and they prepare the QCDs for you? I have been doing QCDs with Vanguard for ten years now and I always have to provide them my list a day in advance and then call and verbally authorize those QCDs during...
by Dead Man Walking
Thu Feb 20, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: Dividing Your Investments Among Several Companies for Security Reasons
Replies: 16
Views: 2096

Re: Dividing Your Investments Among Several Companies for Security Reasons

When I retired I moved all of my equity investments to Vanguard for simplicity. That occurred about 18 years ago. Since then I’ve read too many threads here about glitches with Vanguard’s website and problems with their customer service representatives; consequently, I have opened an account with an...
by Dead Man Walking
Mon Feb 17, 2020 11:13 pm
Forum: Personal Investments
Topic: Should I transition to Vanguard Brokerage Services
Replies: 19
Views: 2185

Re: Should I transition to Vanguard Brokerage Services

I've been getting that "NAG SCREEN" for almost 1 year now, so I wrote them an email online and here's their response. NOTE ~ I only have 2 mutual funds there (Wellesley ROTH IRA and Wellington Taxable). I'm retired and don't contribute to either of them. I've had them for about 9 years and last yea...
by Dead Man Walking
Mon Feb 17, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard's Automatic RMD Service, QCDs, and Other Withdrawals
Replies: 45
Views: 2635

Re: Vanguard's Automatic RMD Service, QCDs, and Other Withdrawals

I just use the RMD service to calculate the amount of my RMDs. I make QCDs throughout the year, so those are manual withdrawals. Late in the year, I make another manual withdrawal to complete my RMD. You do not need to use the automatic service unless you wish to. For me, it is simpler not to. +1 M...
by Dead Man Walking
Sun Feb 16, 2020 3:33 pm
Forum: Personal Investments
Topic: What’s up with Vanguard Tax-managed Small Cap VTMSX
Replies: 15
Views: 1727

Re: What’s up with Vanguard Tax-managed Small Cap VTMSX

UpperNwGuy wrote:
Sun Feb 16, 2020 8:24 am
Dead Man Walking wrote:
Sun Feb 16, 2020 2:01 am
I’ve invested in Vanguard Tax-managed Small Cap (VTSMX) for awhile.
Don't you mean VTMSX?
Got it right in the title of the post! Messed up in the parentheses! I think most people probably got what I meant when they read “Vanguard Tax-managed Small Cap.”

DMW