Search found 8221 matches

by nedsaid
Wed Sep 20, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Dividend Strategies Fall Short
Replies: 13
Views: 963

Re: Larry Swedroe: Dividend Strategies Fall Short

Larry Swedroe said: Perhaps surprisingly, dividend ETFs outperformed during periods of rising interest rates, but underperformed during the period of falling rates. Wow, I would expect the opposite. I would expect that High Dividend would underperform in a rising interest rate environment. I wish h...
by nedsaid
Wed Sep 20, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 69
Views: 6635

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

There are plenty of studies about dividend stocks.Google academic studies on dividend stocks. I am not arguing about the value of a stock after it pays a dividend,blah blah ..... I am saying a lot of people have become very wealthy who believe in buying high quality dividend paying stocks and holdi...
by nedsaid
Wed Sep 20, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Dividend Strategies Fall Short
Replies: 13
Views: 963

Re: Larry Swedroe: Dividend Strategies Fall Short

Larry Swedroe said: Perhaps surprisingly, dividend ETFs outperformed during periods of rising interest rates, but underperformed during the period of falling rates. Wow, I would expect the opposite. I would expect that High Dividend would underperform in a rising interest rate environment. I wish h...
by nedsaid
Wed Sep 20, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 69
Views: 6635

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

As far as diversification: The High Dividend Yield Index Fund has 406 stocks. The Dividend Appreciation Index Fund has 185 stocks. That is 591 of the best companies in the USA markets that pay dividends. Why don't you check the quarterly reports of the two funds against each other and see if there ...
by nedsaid
Mon Sep 18, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4677

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

J. Bogle was so very right when he said "Don`t Peek" and W. Buffett was so very right when he said "market forecasters make fortune tellers look good." Who cares what comes out of Goldman`s mouth and writings. It surely won`t help the average investor one bit. Goldman will not be and has not been c...
by nedsaid
Mon Sep 18, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 69
Views: 6635

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

It does seem that my eyeballing is showing that the Low Volatility stocks are starting to become an improving relative value against the market itself, last time I looked it appeared that Low Vol stocks were only slightly more expensive than the market itself. Consumer Staples, an important subset o...
by nedsaid
Sun Sep 17, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4677

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

nisiprius wrote:
Sun Sep 17, 2017 4:04 pm
Ned, I decided that quoting and describing Wikipedia's supporting reference for the pro-Russian claim wasn't appropriate in the forum, so if you wouldn't mind... could you remove them from the place where you quoted me?
Done.
by nedsaid
Sun Sep 17, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 3743

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

It is nice to know that Jack Bogle looked after others money just as carefully as he looked after his own. He is a great man who has helped millions of people. Are you really suggesting that if he did travel in premium classes on airlines (especially longer flights), the he would thus not be a good...
by nedsaid
Sun Sep 17, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4677

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

I place very little credence in anything that Zero Hedge writes. I have always viewed it like the National Enquirer or the Weekly World News.
by nedsaid
Sun Sep 17, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 3743

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

It is nice to know that Jack Bogle looked after others money just as carefully as he looked after his own. He is a great man who has helped millions of people. Are you really suggesting that if he did travel in premium classes on airlines (especially longer flights), the he would thus not be a good...
by nedsaid
Sun Sep 17, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2649

Re: S & P broke major technical/psychological number

S & P broke and also closed above the key psychological number 2500. Pretty happy as this is very bullish and we may see 3000 in a year or so :D . Only regret is we still have 30k sitting in the sidelines waiting for a correction :( . This technical development may convert more bears into the bulls...
by nedsaid
Sun Sep 17, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4677

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Ged wrote:
Sun Sep 17, 2017 2:11 pm
Zero Hedge has accurately predicted 200 of the last 2 crashes.

Citation: https://rationalwiki.org/wiki/Zero_Hedge
'Nuff said.
by nedsaid
Sun Sep 17, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 3743

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

It is nice to know that Jack Bogle looked after others money just as carefully as he looked after his own. He is a great man who has helped millions of people.
by nedsaid
Sun Sep 17, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4677

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Zerohedge always seemed pretty sensationalist to me. I probably should have been clearer that the story is a summary of a Goldman report. There's little editorializing, except at the end. Well, we have been in a bull market since March 2009, so we are about 8 1/2 years into this. We did have a 20% ...
by nedsaid
Sun Sep 17, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 4677

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Zerohedge always seemed pretty sensationalist to me.
by nedsaid
Sat Sep 16, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

Academic studies, Monte Carlo simulations, calculated withdrawal rates are meant to be guidelines, not an immutable, infallible strategy that is to be followed at all costs once calculated and determined. I absolutely agree, at the same time though I think they can provide reassurance that you don'...
by nedsaid
Sat Sep 16, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

You don't need capital gains to come on a predictable basis in order to withdraw a consistent amount from your portfolio - that is what all the safe withdrawal research is really about. You sell stocks when you need to use the capital - you shouldn't really care whether it is a bottom or a top. Rea...
by nedsaid
Fri Sep 15, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4129

Re: Patience is very important to profit from the stock market

In my opinion you are so right nedsaid. Just keep buying the worst performer in the haystack/ your allocation. I am not a 100% Value investor. I do have Growth investments too. It is a matter of tilting and not going 100% into Value. I have endorsed two methods of investment. If you believe the Aca...
by nedsaid
Fri Sep 15, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3678

Re: Advice Badly Needed---Meeting with Financial Advisor

Sorry if this is long.... I am a teacher in my late 20s. Over the past 5 years I have been putting a decent amount of money into a 403(b) with my school--around 6000 or so per year. To be honest, I don't have a great deal of financial knowledge. Nedsaid: Don't feel bad, most of us didn't know a lot...
by nedsaid
Fri Sep 15, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

You don't need capital gains to come on a predictable basis in order to withdraw a consistent amount from your portfolio - that is what all the safe withdrawal research is really about. You sell stocks when you need to use the capital - you shouldn't really care whether it is a bottom or a top. Rea...
by nedsaid
Thu Sep 14, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3316

Re: US removing Kaspersky Antivirus from government computers

In 2016, I bought a laptop so that I could communicate with family when on an overseas trip. The laptop was a Lenovo and Kaspersky was the protective firewall and anti-virus software. I suppose everything I did got transmitted to the Chinese via a secret chip imbedded in the motherboard and the Rus...
by nedsaid
Thu Sep 14, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

In Snarlyjack's defense, John Bogle has talked about increasing the income from a retirement portfolio. He suggested using a slice of a stock portfolio for higher dividend paying stocks and also coupling US Total Bond Market Index with an investment grade Corporate Bond Fund. If income generated by...
by nedsaid
Thu Sep 14, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

In Snarlyjack's defense, John Bogle has talked about increasing the income from a retirement portfolio . Yes, he has, many times. If he's explained his reasoning for it then I've never come across the explanation. I like paying attention to experts, but in subjects in which I'm reasonably competent...
by nedsaid
Wed Sep 13, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Patience is very important to profit from the stock market
Replies: 41
Views: 4129

Re: Patience is very important to profit from the stock market

nedsaid, VTV (Large Value U.S.) tripled since the bottom in 2009. What`s so bad about that ? VUG (large Growth U.S.) went up about 4 1/2 times since the bottom in 2009. In my opinion both did well. Well, the whole point of factor investing is to beat the market over time. I am not saying that Large...
by nedsaid
Wed Sep 13, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

In Snarlyjack's defense, John Bogle has talked about increasing the income from a retirement portfolio. He suggested using a slice of a stock portfolio for higher dividend paying stocks and also coupling US Total Bond Market Index with an investment grade Corporate Bond Fund. If income generated by...
by nedsaid
Wed Sep 13, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3316

Re: US removing Kaspersky Antivirus from government computers

In 2016, I bought a laptop so that I could communicate with family when on an overseas trip. The laptop was a Lenovo and Kaspersky was the protective firewall and anti-virus software. I suppose everything I did got transmitted to the Chinese via a secret chip imbedded in the motherboard and the Rus...
by nedsaid
Wed Sep 13, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035685

Re: U.S. stocks in freefall

nedsaid, it`s perfectly ok to rebalance to selling stock and buying more bonds. Isn`t that in your IPS ? It will work out fine as it`s supposed to. It`s never easy emotionally to take some of the gains and add to the under performer. My target allocation is 60/40. I have stayed more stock heavy in ...
by nedsaid
Wed Sep 13, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

In Snarlyjack's defense, John Bogle has talked about increasing the income from a retirement portfolio. He suggested using a slice of a stock portfolio for higher dividend paying stocks and also coupling US Total Bond Market Index with an investment grade Corporate Bond Fund. If income generated by ...
by nedsaid
Wed Sep 13, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3316

Re: US removing Kaspersky Antivirus from government computers

I hope Victoria sees this thread and posts. She is a cyber security expert and from Russia. Her comments would be very interesting.
by nedsaid
Wed Sep 13, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3316

Re: US removing Kaspersky Antivirus from government computers

In 2016, I bought a laptop so that I could communicate with family when on an overseas trip. The laptop was a Lenovo and Kaspersky was the protective firewall and anti-virus software. I suppose everything I did got transmitted to the Chinese via a secret chip imbedded in the motherboard and the Russ...
by nedsaid
Wed Sep 13, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 3191

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

In early 2000, my retirement portfolio was 94% stocks and 6% bonds and cash. About half of my stocks were in mutual funds and about the other half were individual stocks. I was an avid listener to Bob Brinker at the time and I learned about do-it-yourself investing through no-load mutual funds from ...
by nedsaid
Wed Sep 13, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: New Passive Criticism Fails
Replies: 58
Views: 2915

Re: Larry Swedroe: New Passive Criricism Fails

Let's say Buffett and Soros were the only 2 active investors and their stakes were 1% of the total equity market. The other 99% were all passive. So whenever Buffett and soros engage in a transaction it has a magnified effect, does it not? The less active investors the less liquid a market is, whic...
by nedsaid
Wed Sep 13, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 59
Views: 5130

Re: Vanguard advisor on dividends

I don't know, I guess I cannot resist the dividend threads. First of all, dividends are not free money. Though stocks are traded primarily as a multiple of earnings, assets on the balance sheet are taken into consideration. Higher levels of cash on the balance sheet tend towards higher P/E ratios. S...
by nedsaid
Wed Sep 13, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: What special investments, if any, do CFPs have access to?
Replies: 11
Views: 802

Re: What special investments, if any, do CFPs have access to?

Lots of investment advisors have access to investments that the general public does not. It has nothing to do with being a CFP but more to do with how many assets under management an RIA or firm has and whether they've engaged with asset managers who provide access to those investments. Some of the...
by nedsaid
Wed Sep 13, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Full-Time Business Owners Planning & Financial Advice
Replies: 8
Views: 780

Re: Full-Time Business Owners Planning & Financial Advice

My husband and I own a full-time business (professional services). As our business grows each year, I am realizing just how little I know about the numbers behind our business. I have no business degree or prior business experience myself. Our business has grown substantially over the last 7 years,...
by nedsaid
Wed Sep 13, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Beware of Interval Funds
Replies: 10
Views: 1445

Re: Beware of Interval Funds

A board favorite here SRRIX the Stone Ridge Reinsurance Risk Premium Interval Fund lost 11% last week marked down due to the hurricane. It has since bounced back a bit but still negative over 5% for the year. I am not a fan of interval funds but can see how it's illiquidity prevented many investors...
by nedsaid
Wed Sep 13, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4738

Re: Turned down for umbrella insurance

Re Nedsaid's comment: We *have* had insurance agents assist with claims, and it helped a LOT. RM What I am saying is that the trend is for companies is to divide the sales part of the company from the claims side. Yes, there are still agents that will assist with the claims but this is getting to b...
by nedsaid
Wed Sep 13, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: What special investments, if any, do CFPs have access to?
Replies: 11
Views: 802

Re: What special investments, if any, do CFPs have access to?

I think there are certain Fidelity Advisor funds available to advisors only. The Load fund families are advisor access only like American Funds or you can buy with a load through a discount brokerage. American Funds used to sell only through advisors but I noticed that they have no-load versions of...
by nedsaid
Wed Sep 13, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4738

Re: Turned down for umbrella insurance

I would go somewhere else. As much as you stated you wern't looking forward to talking to a local agent, sometimes having a relationship with one can be a help. Absolutely agree. The thought of having Liberty Mutual "on my side" in the unfortunate situation of needing their help is enough to get ov...
by nedsaid
Wed Sep 13, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15922

Re: Is it really Worth it to brown bag your lunch at work?

I brown bag my lunch at work and have done that for years. When I spent $8 for a toasted cheese sandwich, soup, and a drink; that pretty well cured me. Just too much to spend day after day.
by nedsaid
Wed Sep 13, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: What special investments, if any, do CFPs have access to?
Replies: 11
Views: 802

Re: What special investments, if any, do CFPs have access to?

DFA funds are difficult for individuals to access without an advisor. Stoneridge Funds need certain advisors to access. Some AQR funds need advisor access though some are available through places like Fidelity brokerage. Other things like private equity, non-traded REITs, structured notes need advis...
by nedsaid
Wed Sep 13, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035685

Re: U.S. stocks in freefall

All time record highs in the US Stock Market is hardly a market in freefall. We need an alternative thread: U.S. stocks in ascent/upsurge/flying-high-mode/good fortune. :happy :moneybag :D Like a "stocks in unsustainable bubble" thread. There have been quite a few but none have the staying power of...
by nedsaid
Wed Sep 13, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035685

Re: U.S. stocks in freefall

Dottie57 wrote:
Tue Sep 12, 2017 9:31 pm
Dottie57 wrote:
Mon Sep 11, 2017 7:34 pm
MotoTrojan wrote:
Mon Sep 11, 2017 1:23 pm
Windfall coming on Monday... enjoy the rally this week everyone else.

Stocks seem to ve falling upwards!
Gravity has reversed!
There could be short covering. When you see unexpected market spikes, this is sometimes the culprit.
by nedsaid
Wed Sep 13, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035685

Re: U.S. stocks in freefall

All time record highs in the US Stock Market is hardly a market in freefall. We need an alternative thread: U.S. stocks in ascent/upsurge/flying-high-mode/good fortune. :happy :moneybag :D Like a "stocks in unsustainable bubble" thread. There have been quite a few but none have the staying power of...
by nedsaid
Wed Sep 13, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035685

Re: U.S. stocks in freefall

All time record highs in the US Stock Market is hardly a market in freefall. We need an alternative thread: U.S. stocks in ascent/upsurge/flying-high-mode/good fortune. :happy :moneybag :D Well, I love this thread because it has been a great contrary indicator. When the thread is up and people are ...
by nedsaid
Wed Sep 13, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 58 year old.
Replies: 23
Views: 1796

Re: Investment advice for 58 year old.

OK Here is my story Age 58. Wife 53. Taxable account savings 4.2 M (1.7 M in SPY and 2.5 M in cash) Pretax savings in multiple accounts total 2.4 M (all in SPY and DIA and QQQ) IRA 50k (all SPY) Properties worth 2 M (mostly farmland) My question is with regard to taxable account which has 2.5 M in ...
by nedsaid
Wed Sep 13, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1035685

Re: U.S. stocks in freefall

All time record highs in the US Stock Market is hardly a market in freefall.
by nedsaid
Wed Sep 13, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: New Passive Criticism Fails
Replies: 58
Views: 2915

Re: Larry Swedroe: New Passive Criricism Fails

There could be a point at which too much indexing causes problems in the markets but if that ever happens, it would be a long, long ways off. The evidence is pointing to greater and greater efficiency in the markets and not less. Also, the factor investing espoused by academics should pick up any sl...
by nedsaid
Wed Sep 13, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Market timing using Gold-Lumber indicator
Replies: 24
Views: 2010

Re: Market timing using Gold-Lumber indicator

I came across this paper yesterday. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2604248 Apart from the apparent(?) spelling mistake in the title it looks like it's good stuff - one of the things that looks interesting is that compared to say momentum or moving averages rules which I was tol...
by nedsaid
Wed Sep 13, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35195

Re: Equifax customer information leak

I am beginning to think that the most sensitive information just needs to be taken offline. Anyone on a computer and connected to the internet can and probably will be hacked. Maybe we need to go back to paper and locked file cabinets even though there would be a loss of productivity. I have just ha...