Search found 1440 matches

by gvsucavie03
Tue Jun 02, 2020 8:06 am
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 94
Views: 8802

Re: Single Favorite Mutual Fund

LeslieSmiley wrote:
Tue Jun 02, 2020 7:35 am
DoWahDaddy wrote:
Tue Jul 30, 2013 1:27 pm
Contrafund, outperformance over the S&P 500 for over 20 years is greatly appreciated, and is thus appropriate to maintain, Boglehead or otherwise.
+1
After subtracting the 80 basis points of additional expense?
by gvsucavie03
Mon Jun 01, 2020 6:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

This house of cards known as the US stock market will eventually come crashing down. The Fed has been doing everything in its power to hold things together but it can’t do it forever. I need to be careful how I word this part of the post so it doesn’t get deleted. The pandemic has caused millions o...
by gvsucavie03
Sat May 30, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 94
Views: 8802

Re: Single Favorite Mutual Fund

PSLDX will make me rich. It's 50% of my AA. 1.11% ER :shock: Technically only 0.59% ER, the rest of it is cost of leverage that comes with the strategy. In any case, since inception in 2007 the fund has returned 15% CAGR after expenses compared to 8% for the S&P over the same period, with similar d...
by gvsucavie03
Sat May 30, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 94
Views: 8802

Re: Single Favorite Mutual Fund

PSLDX will make me rich. It's 50% of my AA. 1.11% ER :shock: Technically only 0.59% ER, the rest of it is cost of leverage that comes with the strategy. In any case, since inception in 2007 the fund has returned 15% CAGR after expenses compared to 8% for the S&P over the same period, with similar d...
by gvsucavie03
Sat May 30, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 94
Views: 8802

Re: Single Favorite Mutual Fund

HEDGEFUNDIE wrote:
Sat May 30, 2020 11:54 am
PSLDX will make me rich.

It's 50% of my AA.
1.11% ER :shock:
by gvsucavie03
Wed May 13, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

abuss368 wrote:
Wed May 13, 2020 9:56 am
A lot of complexity there. I would avoid managing 11 plus funds and concentrate on a couple or few total market index funds.

Remember Jack Bogle's wise advise: "Simplicity is the master key to financial success."
Thank you for the feedback!
by gvsucavie03
Wed May 13, 2020 8:06 am
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

I currently have a Three Fund Portfolio - 58/19/23 (Total Stock/Total Int Stock/Interm. Bond). Looking to diversify and take on some additional risk in hopes of greater return. gvsicavoe03: It is a mistake to complicate your simple, low-cost, diversified, three-fund portfolio which holds over 15,00...
by gvsucavie03
Wed May 13, 2020 7:27 am
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

Diversification doesn’t come from more and more holdings, after a certain point you aren’t getting more benefit. It comes from holding assets with low or negative correlation and positive returns. It’s near impossible to find assets with equal expected return and low correlation though so often you...
by gvsucavie03
Wed May 13, 2020 7:26 am
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

Looks fine to me if you have the time and perseverance to stick with it. What is your rebalancing plan? I appreciate the reply. I would rebalance with new money each month and also annual rebalancing. My entire retirement is in 1 account, so that makes it easier. It won't take long before new money...
by gvsucavie03
Tue May 12, 2020 11:18 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

Cash equivalents (90-day bills, money markets, other cash instruments) is a viable asset class. Again, diversification and rebalancing opportunities is my goal. Is it really overweighting? What is the market share of these assets? I only meant overweight relative to TBM. I have no idea what global ...
by gvsucavie03
Tue May 12, 2020 10:55 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

There's quite a bit of long-term treasuries in TBM, yes? I chose the ultra-short because of the absence of them in TBM. High yield as well. The other sectors could definitely be simplified a bit. Thanks for the feedback! Hmm... I looked up BND on Vanguard's website. It says 20-30 year is 15%. It al...
by gvsucavie03
Tue May 12, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

There's quite a bit of long-term treasuries in TBM, yes? I chose the ultra-short because of the absence of them in TBM. High yield as well. The other sectors could definitely be simplified a bit. Thanks for the feedback! TBM does contain Treasuries but I believe you've got it backwards. Coupon Rang...
by gvsucavie03
Tue May 12, 2020 10:04 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

4) you'll constantly compare your performance with the "simpler" portfolios. when you're down, you'll be tempted to revert back. Cavie: This is the biggest behavioral challenge of tilts. Anytime you tilt away from a market allocation you guarantee under- or over- performance. If there is an extende...
by gvsucavie03
Tue May 12, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

There's quite a bit of long-term treasuries in TBM, yes? I chose the ultra-short because of the absence of them in TBM. High yield as well. The other sectors could definitely be simplified a bit. Thanks for the feedback! TBM does contain Treasuries but I believe you've got it backwards. Coupon Rang...
by gvsucavie03
Tue May 12, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

Thanks for the great feedback everyone. Indeed, my international allocation could be simplified to just VXUS. My FI allocation is to ammend the TBM which doesn't hold international bonds, HY, and not much in the way of ultra-short (6-12 month) bonds. There were several folks suggesting LT, but I que...
by gvsucavie03
Tue May 12, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

Bogleheads: I currently have a Three Fund Portfolio - 58/19/23 (Total Stock/Total Int Stock/Interm. Bond). Looking to diversify and take on some additional risk in hopes of greater return. Since this is pretty theoretical, I won't post my personal info. Through several sources, including the Callan...
by gvsucavie03
Tue May 12, 2020 9:23 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

I currently have a Three Fund Portfolio - 58/19/23 (Total Stock/Total Int Stock/Interm. Bond). Looking to diversify and take on some additional risk in hopes of greater return. Since this is pretty theoretical, I won't post my personal info. Maybe get clear on your goals and then go back to the dra...
by gvsucavie03
Tue May 12, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

i sliced and diced my portfolio a decade ago and i can say now it wasn't worth it. 1) your stock vs bond allocation makes the most difference by far, it's not even close. 2) next up is your US vs ex-US. international has returned ~4% CAGR for the past decade. no tilting can compensate for that. all...
by gvsucavie03
Tue May 12, 2020 9:15 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

rkhusky wrote:
Tue May 12, 2020 4:53 pm
Looks fine to me if you have the time and perseverance to stick with it. What is your rebalancing plan?
I appreciate the reply. I would rebalance with new money each month and also annual rebalancing. My entire retirement is in 1 account, so that makes it easier.
by gvsucavie03
Tue May 12, 2020 9:12 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

- I would junk commodities - no real expected return and too much speculation for my blood - I believe that the fund just changed objectives but might be wrong as don't follow much. - I would junk the junk bonds - seems to be a mix of equity and bond and neither at the same time. - The rest I don't...
by gvsucavie03
Tue May 12, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

I currently have a Three Fund Portfolio - 58/19/23 (Total Stock/Total Int Stock/Interm. Bond). Looking to diversify and take on some additional risk in hopes of greater return. gvsicavoe03: It is a mistake to complicate your simple, low-cost, diversified, three-fund portfolio which holds over 15,00...
by gvsucavie03
Tue May 12, 2020 9:06 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

If you want some extra diversification benefit (I personally think the small/value tilt is enough) I would suggest you get it from something with a positive expected return rather than commodities. One option would be to put some of your bond allocation in an extra long duration treasury fund such ...
by gvsucavie03
Tue May 12, 2020 9:06 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Re: Considering a "Callan Diversification" style AA - your opinion

Way too overcomplicated, you could get similar exposure with 4-5 funds IMHO. VBR is a nice fund but if you want to get a proper small-cap value fund look to SLYV/VIOV or AVUV; VBR is more of a 50/50 small/mid. I would do something closer to (adjust as you see fit, but you get the idea): 35% VTI 15%...
by gvsucavie03
Tue May 12, 2020 3:25 pm
Forum: Investing - Theory, News & General
Topic: Considering a "Callan Diversification" style AA - your opinion
Replies: 35
Views: 1292

Considering a "Callan Diversification" style AA - your opinion

Bogleheads: I currently have a Three Fund Portfolio - 58/19/23 (Total Stock/Total Int Stock/Interm. Bond). Looking to diversify and take on some additional risk in hopes of greater return. Since this is pretty theoretical, I won't post my personal info. Through several sources, including the Callan ...
by gvsucavie03
Tue May 05, 2020 1:36 pm
Forum: Personal Investments
Topic: Financial Advisor [use Ric Edelman?]
Replies: 41
Views: 16107

Re: Financial Advisor [use Ric Edelman?]

I do not feel he is an honest person. I don't mean he does anything illegal, I mean that nothing he presents is straightforward information at all, all of it is twisted in self-serving ways. Others have referenced his assertion that Vanguard index funds are not what they seem and have huge hidden f...
by gvsucavie03
Fri Apr 17, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897527

Re: What's Your Credit Card Rewards Strategy?

$10,000 credit card funding on SkyOne Credit Union with my Citi Double Cash.

$200 sign-up bonus on a BOA spend $1,000... Should finish next week or so.
by gvsucavie03
Mon Mar 09, 2020 7:51 pm
Forum: Personal Investments
Topic: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?
Replies: 52
Views: 3085

Re: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?

edge wrote:
Mon Mar 09, 2020 7:44 pm
I am following my IPS.
And my IPS says to buy!!
by gvsucavie03
Mon Mar 09, 2020 4:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

Did something happen today that I'm umaware of? :wink:
by gvsucavie03
Mon Mar 02, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

60-day limit order on VTI set at 133 per share. Let's see how far we drop... :twisted: :moneybag Do people really put limit orders so far ahead? What is the purpose? Do you put a number of different bands? Surely long before it went there you'd have additional information that would color your deci...
by gvsucavie03
Mon Mar 02, 2020 6:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

60-day limit order on VTI set at 133 per share. Let's see how far we drop... :twisted: :moneybag
by gvsucavie03
Sat Feb 29, 2020 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

Bluce wrote:
Mon Feb 24, 2020 8:12 pm
gvsucavie03 wrote:
Mon Feb 24, 2020 6:26 pm
Bonds up 0.5% :twisted:
TLT, iShares 20+ year Treasury ETF, was up 1.49% today. :shock:
Another .65 yesterday...
by gvsucavie03
Mon Feb 24, 2020 6:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

Bonds up 0.5% :twisted:
by gvsucavie03
Sat Feb 08, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27391

Re: What is the best concert you ever witnessed?

CSO playing Pictures at an Exhibition. The ending was absolutely magnificent.
by gvsucavie03
Sun Dec 29, 2019 11:00 pm
Forum: Personal Investments
Topic: Parking money in VMMXX until Roth - good or no?
Replies: 25
Views: 2148

Re: Parking money in VMMXX until Roth - good or no?

My take is that if the money is destined for a Roth, but can't get there, then it might as well be invested in a taxable account in similar if not identical investments. Example: It's November and you have $6,000 to add to VTSAX in your Roth, but it isn't 2020 yet. I think you might as well invest ...
by gvsucavie03
Sun Dec 22, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Credit card payment habits
Replies: 72
Views: 4286

Re: Credit card payment habits

Credit scores, most of us care, depend on credit utilization ratios (among others). Do you 1) pay in full automatically every month as scheduled, or 2) pay when the balances show up on your accounts, or 3) other ways ? Autopay full balance. Life is short. If I have a huge expense I can pay with CC ...
by gvsucavie03
Tue Dec 10, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 102
Views: 23291

Re: Dave Ramsey's Millionaire Study

I ended up listening to a DR segment while on a drive. His claim that (paraphrased) " eggheads who live in their Mom's basement are the ones who object about loads and that it makes a trivial amount of difference mathematically" forged my opinion of him. I was surprised at his mild vulgarity about ...
by gvsucavie03
Mon Dec 09, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 102
Views: 23291

Re: Dave Ramsey's Millionaire Study

I ended up listening to a DR segment while on a drive. His claim that (paraphrased) " eggheads who live in their Mom's basement are the ones who object about loads and that it makes a trivial amount of difference mathematically" forged my opinion of him. I was surprised at his mild vulgarity about ...
by gvsucavie03
Thu Nov 21, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Help me find this tool
Replies: 14
Views: 1120

Re: Help me find this tool

Make a high-quality digital print of the photo?
by gvsucavie03
Fri Oct 18, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11745

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I've never had a phone that cost more than $80 or more than $20 per month. It does everything I need including YouTube TV and Netflix. Camera could be better, but I really don't use it that often. The money spent on smartphones is astounding - good for those that enjoy them, but absolutely unafforda...
by gvsucavie03
Sun Oct 13, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 6619

Re: Replace water heater just because it's old?

I replaced mine myself 2 years ago. It was from 1998 and was only a 6-year warranty tank. It worked fine, but was bound to have issues in the near future.
by gvsucavie03
Fri Aug 23, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18839
Views: 2633825

Re: U.S. stocks in free fall

Yawn... No double-digits? *roll over, back to sleep*
by gvsucavie03
Wed Jul 31, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Gas oven and the smell of gas each time first turned on
Replies: 19
Views: 1105

Re: Gas oven and the smell of gas each time first turned on

A little is normal. Does it seem excessive?
by gvsucavie03
Sat Jul 27, 2019 10:44 am
Forum: Personal Investments
Topic: Long-term cap gains tax question
Replies: 8
Views: 765

Re: Long-term cap gains tax question

I still fall in the 0% bracket :wink: I guess you don't have to worry about NIIT then. :happy My MAIG is close to the bottom of the 15% bracket, thus the reason for my question, but I understand that it's not based on MAIG, so I'll be in 0% for a while. 15%? Maybe you mean 12%? Remember that the to...
by gvsucavie03
Sat Jul 27, 2019 9:05 am
Forum: Personal Investments
Topic: Long-term cap gains tax question
Replies: 8
Views: 765

Re: Long-term cap gains tax question

I get LT/ST difference, but my question is about how the bracket is structured for LT gains... are the brackets determined by MAIG or taxable income (after standard/itemized deductions are taken off)? I assume taxable income because that's how the ordinary income brackets are determined, but I want...
by gvsucavie03
Sat Jul 27, 2019 8:49 am
Forum: Personal Investments
Topic: Long-term cap gains tax question
Replies: 8
Views: 765

Long-term cap gains tax question

This is definitely a noob question... I've been buying VTI in a taxable brokerage account for a few years and we may be needing some of that money for various items. I figured it was time to start understanding the actual exit strategy of how to pull the money out appropriately. I get LT/ST differen...
by gvsucavie03
Sat Jul 20, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897527

Re: What's Your Credit Card Rewards Strategy?

I'm sure this has been addressed somewhere in this thread, but I couldn't find it on a quick perusal. If I sign up for the CSR is the smart move to just pay to have my wife on the account, to get her the proffered card, or set up a whole separate account for each of us? I’d get her a separate card ...
by gvsucavie03
Mon Jun 24, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897527

Re: What's Your Credit Card Rewards Strategy?

msi wrote:
Mon Jun 24, 2019 3:33 am
Heads up... Citi is ending Price Rewind on Sept 22nd. That used to be one key benefit of the Citi Doublecash over the Fidelity Visa https://www.doctorofcredit.com/citi-to- ... 22nd-2019/
Were there folks that actually used this feature?
by gvsucavie03
Thu May 16, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897527

Re: What's Your Credit Card Rewards Strategy?

Just got approved for Fidelity 2% cashback credit card with 18 Month 0 APR promo with 25K credit I am doing some remodel so I am spending some $$$ What do you think of using this Fidelity Card for my remodel purchases and do minimum payment and get this 0 APR for 18 months and invest the money in V...