Search found 3629 matches

by AlohaJoe
Tue Sep 18, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 27
Views: 2446

Re: Laddered CDs

So if a CD is offered at 2.00 % return for a $1000 CD, does that mean you get $20 for the 3 months time if the Maturity is 3 months? Stupid question I know ..... No, you would get (approximately) $5. The interest rate is for an entire year. If you hold it less than a year, you get a fraction of it.
by AlohaJoe
Sun Sep 16, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Barron's US market analysis
Replies: 6
Views: 404

Re: Barron's US market analysis

And it was not long ago in 2017 when the same journalist was writing articles about "Black Monday 2.0: The Next Machine-Driven Meltdown" and "The last time momentum as a strategy outperformed by this much? You guessed it. 1999" and "How This Market Will End: After an eight-year climb, stocks are pri...
by AlohaJoe
Sun Sep 16, 2018 1:45 am
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 1799

Re: UK boarding school (Intl student)

Drugs? There is not a private school in any of those countries which has not had drug issues. I’d wager it might be a good rule of thumb that the wealthier the students are on average, the wider the range of drugs to which they have access. I knew a (Singaporean) girl who attended boarding school i...
by AlohaJoe
Sat Sep 15, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 60
Views: 4770

Re: 38% pay cut for dream job?

You could make up the pay difference by having your wife get a job. So basically the tradeoff you're looking at is: do you pass on your dream job so that your wife doesn't have to work? FWIW I know a fair number of children of diplomats who are now adults and all of them say it was the best possible...
by AlohaJoe
Sat Sep 15, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1799

Re: Opinions on American Funds

https://www.ifa.com/articles/deeper_look_performance_american_funds/ Of these 57 American funds, 58% (or 33 funds) had positive Average Alpha over the period, and only 12.3% (or 7 funds) had a consistently high enough alpha, and a low enough standard deviation of alpha, and a large enough sample siz...
by AlohaJoe
Sat Sep 15, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 3794

Re: The Boglehead is anti-entrepreneur?

I think this post demonstrates a misunderstanding of Bogleheads, entrepreneurialism, and the average investor. Are Bogleheads more conservative than the average person? Absolutely not . This isn't even remotely in question. Bogleheads embrace equity investing in amounts that are vastly higher than t...
by AlohaJoe
Fri Sep 14, 2018 3:43 am
Forum: Investing - Theory, News & General
Topic: Slight fear of investing in general now
Replies: 20
Views: 1980

Re: Slight fear of investing in general now

My concern (though it's more emotional than logical.. I hope?) is about money/fiat currency/stocks in general. It's a really high level thought that is hard to carry out in a deep way. At a high level, it's pretty much "what if our financial system does not continue to work" Everything you mention ...
by AlohaJoe
Thu Sep 13, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversion)?
Replies: 17
Views: 1198

Re: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversi

Actionable questions: -Do you see any flaws in my thinking? I'm not totally clear on what question you are asking here. LMP, buckets, and rising equity glidepaths all have similarities but now they are not exactly the same. In particular, they all have different characteristics during the withdrawa...
by AlohaJoe
Thu Sep 13, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3653

Re: Is home alarm monitoring worth it?

They confirm whether there's evidence of forced entry (broken window, broken in door) or an open window/door. They deal with the case as applicable and close the ticket if all things appear normal. Quasi-related story. One time I was working at a small company (<10 people), couldn't sleep one night...
by AlohaJoe
Thu Sep 13, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2126

Re: How to stay the course when you “think” you can outsmart the market

Despite what you say, you don't actually think investing is the best way. Print out all your losing trades and tape it next to your computer. Change your brokerage password to "lost 5% on Generac" Give your wife control over your money and tell you can't be trusted with it anymore. Start a Traders A...
by AlohaJoe
Wed Sep 12, 2018 4:11 am
Forum: Investing - Theory, News & General
Topic: Money Market Redemption Gate
Replies: 18
Views: 1061

Re: Money Market Redemption Gate

My reply wasn't sarcastic. In 2008 there was 1 money market fund out of 26,000 registered money market funds that had to freeze redemptions. Some people had to wait over a year to get all of their money. The final distribution came five years later but that was only $60 million of the original $3.5 ...
by AlohaJoe
Wed Sep 12, 2018 3:49 am
Forum: Investing - Theory, News & General
Topic: Money Market Redemption Gate
Replies: 18
Views: 1061

Re: Money Market Redemption Gate

The odds are 1 in 26,314.

I'm curious what possible concrete actions you are taking based on those specific odds?
by AlohaJoe
Tue Sep 11, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 33
Views: 3914

Re: 401k money missing

I just find it odd that your first reaction would be to post here instead of calling payroll, emailing HR, or asking anyone else at work if their 401ks are being processed correctly. I would like to assume you've done some investigating on your own but just haven't shared what you found. I am conti...
by AlohaJoe
Tue Sep 11, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund with specific maturity dates
Replies: 5
Views: 311

Re: Bond fund with specific maturity dates

Did you look at the actual holdings of this fund? Do you think that all of the holdings come due for maturity in 2020? I looked at it and saw some of the holdings don't actually mature until much later, like 2025 and a number of the holdings are callable. How can a fund whose assets are supposed to...
by AlohaJoe
Tue Sep 11, 2018 5:20 am
Forum: Investing - Help with Personal Investments
Topic: Individual European stock picking for value and fundamentals
Replies: 8
Views: 526

Re: Individual European stock picking for value and fundamentals

Doesn't iShares provide documentation that allows their funds to be "qualified electing funds" (QEFs)?

Does the QEF tax treatment make it more viable for you?
by AlohaJoe
Mon Sep 10, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: What Matters to Individual Investors? Evidence from the Horse's Mouth
Replies: 6
Views: 1020

Re: What Matters to Individual Investors? Evidence from the Horse's Mouth

46% say that past returns are evidence of skill. High-wealth people are substantially more likely to believe this. :oops: Well I don't know, because I've found it at least implied all too often on this forum that achieved results are the result of skill. This continually surprises me because [...] ...
by AlohaJoe
Mon Sep 10, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: What Matters to Individual Investors? Evidence from the Horse's Mouth
Replies: 6
Views: 1020

What Matters to Individual Investors? Evidence from the Horse's Mouth

There's a new working paper from the National Bureau of Economic Research that conducted a survey of investors to see whether investors believe in leading academic theories on investing. http://www.nber.org/papers/w25019.pdf 37% of people who don't invest say it is because they don't like thinking a...
by AlohaJoe
Sun Sep 09, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 80
Views: 6166

Re: Lower Return Decade Says Jack: Thoughts?

Just read Jack Bogle's book (edited in 2017) and was a little discouraged about his comments that we should all expect lower returns in the next decade. For a 60/40 balanced fund it could be as low as 6% and even 4% in some circumstances. Am I misreading? Because if not, Id rather be in CDs and tak...
by AlohaJoe
Sun Sep 09, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2121

Re: Hourly cost of air conditioning?

My A/C is 1.5 HP. That means 1.5 HP/hour, which is 0.11 kWh. Then multiply that by your rates. Of course, that's the maximum. How much it actually runs would depend on the room layout, the temperature chosen (mine is set at 73F), the insulation, and so on. I can understand why companies would be rel...
by AlohaJoe
Sat Sep 08, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4153

Re: returns for the next decade

*2018 is not done yet but so far it's been a bust, 2018 has returned 10.4% year to date. Either you actually have no idea what stocks have returned or you have a very non-standard definition of a "bust". Incorrect if you look at a typical portfolio which does not just have 100% Equities which is wh...
by AlohaJoe
Fri Sep 07, 2018 5:57 am
Forum: Investing - Theory, News & General
Topic: What's your thoughts on VDET (Emerging Markets Government Bond)?
Replies: 9
Views: 657

Re: What's your thoughts on VDET (Emerging Markets Government Bond)?

That you are looking at yield is already a bad first sign. The US version has been around 5 years, so you can look at that. It also tracks an index so you can look at how the index has done. I think very few people on Bogleheads will be found to hold Emerging Markets debt. You have a hard enough tim...
by AlohaJoe
Fri Sep 07, 2018 5:51 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Fee Wars Will Encourage Bad Behavior
Replies: 26
Views: 2604

Re: Mutual Fund Fee Wars Will Encourage Bad Behavior

"Even Vanguard Group Inc. acknowledges that investors, left to their own devices in a fund complex with near-zero expenses, engage in sub-optimal behavior to the detriment of their portfolios, moving money in and out of funds like crazy." I was curious if the author was accurately reporting Vanguar...
by AlohaJoe
Fri Sep 07, 2018 3:19 am
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4153

Re: returns for the next decade

stocknoob4111 wrote:
Thu Sep 06, 2018 1:49 pm
*2018 is not done yet but so far it's been a bust,
2018 has returned 10.4% year to date.

Either you actually have no idea what stocks have returned or you have a very non-standard definition of a "bust".

http://www.capitalspectator.com/major-a ... ce-review/
by AlohaJoe
Fri Sep 07, 2018 12:02 am
Forum: Investing - Theory, News & General
Topic: Dividend variances per quarter
Replies: 6
Views: 885

Re: Dividend variances per quarter

Some (I don't know how many) international companies only pay dividends annually, not even semi-annually, and not quarterly. For instance, Tata Motors (India) pays annually. So does Novartis (Switzerland).
by AlohaJoe
Thu Sep 06, 2018 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Planner really expensive?
Replies: 19
Views: 1994

Re: Financial Planner really expensive?

My employer offers financial planning through Financial Engines. Their prices are below. Are their prices really that bad? Sounds pretty low to a novice like myself, but maybe i'm missing something? Up to $100,000 - 0.50% $4.17 per $10,000 Between $100,000 & $250,000 0.45% $3.75 per $10,000 Over $2...
by AlohaJoe
Thu Sep 06, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Help with Inflation Linked bonds etc
Replies: 5
Views: 686

Re: Help with Inflation Linked bonds etc

My main reason for choosing this one is being a global nomad I am not sure where me and my wife will retire. I am Australian and she is Canadian. More likely would be Canada but she hates the winters. In the face of that uncertainty, splitting your bonds between nominal and inflation-linked probabl...
by AlohaJoe
Thu Sep 06, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging currency for the purpose of fund purchase
Replies: 7
Views: 556

Re: Exchanging currency for the purpose of fund purchase

Apologies for not completely getting your point. Yields are almost negative. If they go lower while I own don't I just lose money? No, that's not how bond work. You can certainly spend a lot of time learning how bonds work but I don't actually recommend it. I would just buy bonds now and stop tryin...
by AlohaJoe
Thu Sep 06, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to layer two umbrella insurance policies?
Replies: 12
Views: 1296

Re: Is it possible to layer two umbrella insurance policies?

What did AAA say when you called and asked them?
by AlohaJoe
Wed Sep 05, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Buying Sushi Grade Fish
Replies: 15
Views: 1684

Re: Buying Sushi Grade Fish

I'm not entirely sure if you're asking a question or....?

If you google "how to buy sushi grade fish" you'll lots of video & written tutorials. Do any of those help you?
by AlohaJoe
Wed Sep 05, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Balancing/Bond Funds/Ladders/Tax Impact/
Replies: 4
Views: 370

Re: Balancing/Bond Funds/Ladders/Tax Impact/

Why doesn't a bond ladder allow you to have losses to harvest?
by AlohaJoe
Wed Sep 05, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging currency for the purpose of fund purchase
Replies: 7
Views: 556

Re: Exchanging currency for the purpose of fund purchase

But considering bond yields being negative, would it hurt to just wait a bit and try to time market? Would I lose anything by waiting? Yields could go lower and then you'd lose (because you'd miss out the price appreciation and you'd be buying it at a lower initial yield). Not sure why you don't co...
by AlohaJoe
Wed Sep 05, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Can/should high yielding equities make up a *part* of a retirement portfolio for a little padding in bear markets?
Replies: 10
Views: 691

Re: Can/should high yielding equities make up a *part* of a retirement portfolio for a little padding in bear markets?

so while the value may drop 50%, I would expect dividends to drop quite a bit less. This seems like a pretty easy thing to check, have you done it? Lots of places like Yahoo Finance make it easy to see what dividends were like in past crises. In 1999 the dividends for VTSMX (Vanguard's TSM fund) we...
by AlohaJoe
Wed Sep 05, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: Investment Books
Replies: 42
Views: 2756

Re: Investment Books

I don't see the point in reading dozens of books that say the same thing: Swedroe, Ferri, Bogle, the Bogleheads books...the differences are so minor there's not much value in bothering to read all of them. I do read other investing books, though mostly from an interesting/academic point of view than...
by AlohaJoe
Wed Sep 05, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: Investment Books
Replies: 42
Views: 2756

Re: Investment Books

What do people think of Seth Klarman's Margin of Safety? I read it this summer. I thought there were some insights there. I thought it was pretty horrible. The beginning is a lot of the same "most traders lose money" stuff that you see in every investment book except with less of the rigor and cita...
by AlohaJoe
Tue Sep 04, 2018 3:14 am
Forum: Investing - Help with Personal Investments
Topic: Windfall in rubles: how should we invest it?
Replies: 22
Views: 1962

Re: Windfall in rubles: how should we invest it?

steve321 wrote:
Tue Sep 04, 2018 2:45 am
Given that you can get more than 6% in Russian banks, or even better if you invest it in the stock market there you're expected to gain 15%
How accurate have Research Affiliates' forecasts on Russia been in the past? Have you checked? How much has the ruble depreciated in the past 5 years?
by AlohaJoe
Tue Sep 04, 2018 3:12 am
Forum: Investing - Theory, News & General
Topic: Malaysian stocks/investing in Malaysia
Replies: 11
Views: 810

Re: Malaysian stocks/investing in Malaysia

BuyAndHoldOn wrote:
Mon Sep 03, 2018 2:28 pm
and what do you think about the prospects for Malaysian equities?
I think that Americans can't even predict what their own stock market is going to do. Their chances of understanding a (small, less transparent) foreign stock market is bound to be even smaller.
by AlohaJoe
Mon Sep 03, 2018 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inflation Linked bonds etc
Replies: 5
Views: 686

Re: Help with Inflation Linked bonds etc

Ishares IGIL in UK domiciled in USD 40% 1. My question relates to my bond allocation. Currently i only have one but have read that it might be prudent to split into 2. IGIL is inflation linked and due to this sort of acts like a bond with shorter maturity. I honestly don't understand the point of g...
by AlohaJoe
Mon Sep 03, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5399

Re: Enough. How do I invest in Australia.

And Denmark: 1900-1909: 3.2 1910-1919: 2.2 1920-1929: 1.9 1930-1939: 5.0 1940-1949: 1.2 1950-1959: 7.5 1960-1969: 1.0 1970-1979: 0.3 1980-1989: 16.7 1990-2000: 7.9 Why are Denmark's returns so stable/predictable/nonvolatile/solid? They're not actually; I think that's just an artifact of the start &...
by AlohaJoe
Sun Sep 02, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 17996

Re: How to Retire in Your 30's with $1 Million in the Bank

If there is a trend, I'd point to the rise of commoditized high-IQ jobs (tech, law, banking, consulting), where smart people uproot themselves to live in expensive cities, serve as replaceable cogs in a machine, attain no real ownership stake in their employer or house, and have no sense of communi...
by AlohaJoe
Sun Sep 02, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 17996

Re: How to Retire in Your 30's with $1 Million in the Bank

I don’t think many bogle heads fall into this category. This is more of the Mr. Money Mustache crew. What exactly are they investing in that makes them "not Bogleheads"? Which of the 10 Bogleheads principles are they violating? 1 Develop a workable plan 2 Invest early and often 3 Never bear too muc...
by AlohaJoe
Sun Sep 02, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5015

Re: Cost of car ownership: 6.5 years of data in the SF bay area

What about the $500 a month to park downtown if you work downtown? Or the many place that charge $10 a hour for parking? What about it? He's providing data on his own expenses. Not arbitrary "what if?" scenarios. so we all pay $1,100 for bridge toll? You seem to have difficulty understanding that h...
by AlohaJoe
Sun Sep 02, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5015

Re: Cost of car ownership: 6.5 years of data in the SF bay area

youdiditr2 wrote:
Sun Sep 02, 2018 1:01 am
What about the $500 a month to park downtown if you work downtown? Or the many place that charge $10 a hour for parking?
What about it? He's providing data on his own expenses. Not arbitrary "what if?" scenarios.
by AlohaJoe
Sun Sep 02, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5015

Re: Cost of car ownership: 6.5 years of data in the SF bay area

It is always nice to see detailed real world data. Thanks for sharing!
by AlohaJoe
Fri Aug 31, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer US dollars to a country with 7% CD rates
Replies: 31
Views: 3090

Re: Transfer US dollars to a country with 7% CD rates

Don’t do it, if you do, come back and tell us how it all went. I've done it -- though in a different situation than the OP -- so here's how it all went. I moved to Vietnam on April 24, 2014. On that day the exchange rate was $1 = 22,772VND[1] Term deposit accounts were 10% at the time[2] and that w...
by AlohaJoe
Fri Aug 31, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5399

Re: Enough. How do I invest in Australia.

That down decade was (relatively) mild (-4.6%; remember that a -5% loss requires (approximately) 10% gain to balance it out, so just a few points in losses make a big difference) I do not think that is nearly true. Unless I am misunderstanding your point. 1 * (1 - 0.05) * (1 + 0.1) = 1.045 = 4.5% g...
by AlohaJoe
Fri Aug 31, 2018 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone donated stock in a private company to a Donor Advised Fund?
Replies: 4
Views: 383

Re: How to donate stock in a private company to my Donor Advised Fund?

Why don't you call Fidelity and ask?

800-952-4438

They're open Monday through Friday, 8:30 a.m. - 6:30 p.m. ET.
by AlohaJoe
Thu Aug 30, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Can margin be beneficial for long-term investing?
Replies: 61
Views: 3511

Re: Can margin be beneficial for long-term investing?

How are you guys assuming all your assets are in low-cost margin'able in the brokerage account. No assets in 401K/rollover-IRAs/HSA etc ? Because I don't live in America and the overwhelming majority of assets are in a marginable account, so I used the numbers that make sense for me. Other people c...
by AlohaJoe
Thu Aug 30, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: How do I feed the 30-day SEC yield into a spreadsheet?
Replies: 4
Views: 299

Re: How do I feed the 30-day SEC yield into a spreadsheet?

If you are technically inclined then: Use an XPath query with Google Sheet's importXml function to pull into data from Morningstar with something like =importxml("http://quotes.morningstar.com/fund/c-header?t=0P0000UJIC", "//span[@vkey='Yield']") If you don't know what Xpath is...then I don't have a...