Search found 146 matches

by Gecko10x
Tue Apr 25, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Splitting Growth And Value Leads To A Worse Return
Replies: 36
Views: 6045

Re: Splitting Growth And Value Leads To A Worse Return

Portfolio Visualizer uses Vanguard's large cap value and growth funds for the asset class returns - the combined benchmark for that would be VLACX (Vanguard's large cap index) and not their S&P 500 fund - if you use that in the backtest I believe you will see the performance difference disappea...
by Gecko10x
Tue Apr 25, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: Splitting Growth And Value Leads To A Worse Return
Replies: 36
Views: 6045

Re: Splitting Growth And Value Leads To A Worse Return

David Jay wrote:Did you notice "Note 1" on PV?
Really don't think this is necessary; of course I'm well aware. The entire thread is about backtesting. :annoyed
by Gecko10x
Tue Apr 25, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Splitting Growth And Value Leads To A Worse Return
Replies: 36
Views: 6045

Re: Splitting Growth And Value Leads To A Worse Return

My original thought was that 50% Value / 50% growth holds the SAME assets as 100% of the market/sector/whatever. That's where I was coming from with my question. I suppose however, that if that isn't how value/growth is defined, then that would cause problems with the analysis. If value is defined a...
by Gecko10x
Mon Apr 24, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Splitting Growth And Value Leads To A Worse Return
Replies: 36
Views: 6045

Re: Splitting Growth And Value Leads To A Worse Return

David, the benchmark on my comparison is US Large Cap; I was only including 100% Value and 100% Growth for reference. Yes, the original article and thread was using the total market, vs my comparison is only with large cap, but it is the same question being asked. From what I can see in PV (even run...
by Gecko10x
Mon Apr 24, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Splitting Growth And Value Leads To A Worse Return
Replies: 36
Views: 6045

Re: Splitting Growth And Value Leads To A Worse Return

I'm going to resurrect this thread because it deals directly with my question: Does splitting value and growth give you a good way to hedge your bets? Rick's posted article says "No", but this backtest seems to say "Yes". Does anyone have any additional thoughts about this? Why d...
by Gecko10x
Sat Apr 16, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 103
Views: 16835

Re: mortgage pre payment, why?

What is the opinion of the following scenario: Let's say I have saved $100k and I have $100k left on my mortgage. I wish to sell my house in 5-10 years after I have saved another $200k and build a more expensive home. Would you pay off the mortgage to lower your fixed costs? Would that extra $100k c...
by Gecko10x
Thu Dec 31, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Help with small logic/math ?
Replies: 6
Views: 928

Re: Help with small logic/math ?

Perfect.
Thanks for helping!
by Gecko10x
Tue Dec 29, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 26978

Re: What age did you hit $100,000?

Counting both my and my wife's assets:
2013 @ 33(me)/31(wife)

2 years later we are over $200k.

The first $100k certainly felt like forever! :beer
by Gecko10x
Tue Dec 29, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Retired couples with a single vehicle?
Replies: 35
Views: 4357

Re: Retired couples with a single vehicle?

Can I ask if people considering moving to a single car live in an urban or suburban area. I can't imagine only having 1 car in the suburbs but I can see it being more workable in an urban environment. While I'm not the target of the thread (not retired), we've been a single car household for the la...
by Gecko10x
Tue Dec 29, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Help with small logic/math ?
Replies: 6
Views: 928

Help with small logic/math ?

I seem to have a choice of what to do with $11k, and am having a bit of trouble determining if there is an optimal decision. I have a loan @ 2.875% (I think). I have the funds to either pay this off by early 2017, or contribute $11k to two Roth accounts for 2016. I cannot do both. If I chose to put ...
by Gecko10x
Thu Oct 29, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 8656

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

RevYoung- You're still making the same mistakes. Just because the backrest happens get similar returns doesn't mean you are taking on the same risks as international. Do you really want to ignore the majority of the market? If you want a higher risk portfolio, then increase your risky assets. BUT, y...
by Gecko10x
Wed Oct 28, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Crazy Lazy Portfolio - TSM/REIT/SCV
Replies: 66
Views: 8656

Re: Crazy Lazy Portfolio - TSM/REIT/SCV

While we're at it, how about 35% SCV, 15% REIT, 25% emerging markets, 20% long-term Treasuries, 5% gold ? You beat me to it :wink: I would do something more like that, with some caveats: I don't like gold, so I'd skip that. That's a big bet on EM and SV. So personally, I'd do something more like MV...
by Gecko10x
Sat Oct 17, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: How much would you be willing to pay someone to track your finances?
Replies: 41
Views: 4566

Re: How much would you be willing to pay someone to track your finances?

pondering wrote: I'd like a read only login to my credit card accounts, so someone could create a report of spending by date.
My Discover card actually offers quite a nice auto-categorized spending report interface, and you can pick the dates.

I imagine Mint also offers something like this.
by Gecko10x
Wed Sep 02, 2015 11:18 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3405
Views: 571802

Re: What are you up YTD? [Year To Date]

As of 8/31/2015, -0.9%. I think. My 401k loan repayment might be skewing the numbers. :confused

For comparison, AOM is -2.6%, and AOR is -3.0%.
by Gecko10x
Sat May 30, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: Effective Paraben-free Personal Care Products?
Replies: 16
Views: 3875

Re: Effective Paraben-free Personal Care Products?

My wife makes and sells body products, most of which have no parabens. Look for handmade products with very little or no water. Products with significant amounts of water in them are basically impossible to make without antibacterial additives and have them last more than about a week. Feel free to ...
by Gecko10x
Tue May 19, 2015 6:36 am
Forum: Non-US Investing
Topic: Should I change my ETFs?
Replies: 19
Views: 2299

Re: Should I change my ETFs?

Yes, I would for the added diversification.
by Gecko10x
Sun May 17, 2015 7:34 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 11284

Re: UI issues (especially iPad)? please evaluate alternate styles

Can the iPad users who've reported compatibility issues please let me know if they see anything differently now? I've modified the upper right search box to remove the two links underneath the search box. IOW, I removed my customization and reverted back to the "stock" configuration. The ...
by Gecko10x
Thu May 14, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: YNAB a good subsitute for Quicken?
Replies: 43
Views: 19795

Re: YNAB a good subsitute for Quicken?

Another +1 for YNAB.

We've been using it for a few years now, and it has done wonders for our cash flow and finances.
by Gecko10x
Mon May 11, 2015 9:41 pm
Forum: Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 12106

Re: Anybody 50/50?

IMO, nothing wrong with 50/50, especially since you don't know your tolerance yet. I won't rehash the advice above. If, however, you are swayed by those that think you are leaving too much on the table, you could read some Swedroe. You might then be swayed to increase the risk of your equities, whil...
by Gecko10x
Thu May 07, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 5002

Re: Round Numbers in Portfolio Allocations

It will only matter in hindsight. I personally wouldn't eliminate an asset because of rounding though.
by Gecko10x
Wed May 06, 2015 9:22 pm
Forum: Investing - Theory, News & General
Topic: Benchmarking Question
Replies: 3
Views: 509

Re: Benchmarking Question

I use "what I'd be doing otherwise", which for me is AOM and AOR.
by Gecko10x
Wed May 06, 2015 4:05 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 11284

Re: UI issues (especially iPad)? please evaluate alternate styles

Just so that everyone can see what we are talking about:

Old look on top
New look on bottom


Edit: I guess there are many things being discussed. What my pic shows is the "big font" problem some iPad users are experiencing.
by Gecko10x
Wed May 06, 2015 12:31 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 11284

Re: UI issues (especially iPad)? please evaluate alternate styles

Interestingly, if I go to the phpBB demo for Prosilver (which is the style currently being used, based on the page source code), it looks fine on my iPad. So, the issue we are all seeing with the huge fonts appears to be customization that has been done to our version of the style. Or maybe somethin...
by Gecko10x
Wed May 06, 2015 12:18 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 11284

Re: UI issues (especially iPad)? please evaluate alternate styles

PBTech : Not bad. Like it better on iPad than the desktop. Simplicity : Eh, OK Elegance : Like this on both iPad and desktop. SE Square : Looks good on both iPad and desktop, and is very similar to what we currently have. Prosilver Special Edition : Lots of wasted space on desktop, but fine on iPad...
by Gecko10x
Wed May 06, 2015 11:56 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 11284

Re: UI issues (especially iPad)? please evaluate alternate styles

Yes, thanks for splitting this off. I'll take a quick look at the other styles I didn't look at earlier and comment on them.

I also don't understand the hesitation (by the devs) to give users the ability to choose their preferred style, if that is possible. Choice is good.
by Gecko10x
Tue May 05, 2015 4:19 pm
Forum: Investing - Theory, News & General
Topic: Where does one find benchmark returns?
Replies: 9
Views: 1531

Re: Where does one find benchmark returns?

You can also use Portfolio Visualizer to get returns from 1972 on.

Edit: Nisi beat me!
by Gecko10x
Mon May 04, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: old ways can still be the best ways [percolator]
Replies: 36
Views: 5056

Re: old ways can still be the best ways [percolator]

HongKonger wrote:I still use the Bialetti stove top moka pot I bought in Naples Italy nearly 30 years ago every day. It has travelled all over the world with me. It makes better espresso than anything else I have tried or tasted.
This is what we use as well. Love it. (Though ours are new).
by Gecko10x
Mon May 04, 2015 6:03 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 547
Views: 195758

Re: Would it be possible for forum version to be a user selection?

P.S. Silly question. If websites can maintain multiple versions (standard and mobile), why not also keep the last simple html version for older systems? Early adopters select forum version 3+, and users with older systems stay with forum version 2. (I tried Vanguard's then new mobile version, it wa...
by Gecko10x
Sat May 02, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: 10 index fund allocation how does it stack up?
Replies: 23
Views: 3709

Re: 10 index fund allocation how does it stack up?

There is usually not a lot of room in IRA and it certainly would not hold all the stuff that needs to be there to accommodate this portfolio idea. This is likely true for both the group that can save in taxable and the group that can't. I don't understand this argument. Maybe 10 years ago when ETFs...
by Gecko10x
Fri May 01, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: PMI- single premium at closing?
Replies: 5
Views: 844

Re: PMI- single premium at closing?

We did the PMI prepayment. Make sure his loan officer shops around for the best prepayment rate; I've been told that sometimes they aren't very familiar with the prepayment options, and that, coupled with the fact that the best prepayment rate probably won't come from the lender with the best monthl...
by Gecko10x
Fri May 01, 2015 11:45 am
Forum: Investing - Theory, News & General
Topic: Malkiel on Smart Beta/Factor Investing ... times 4
Replies: 21
Views: 4956

Re: Malkiel on Smart Beta/Factor Investing ... times 4

You didn't really ask about portfolio construction directly, but I think this Callan Paper is relevant in this discussion nonetheless. (And I am personally curious to others' opinions on the paper.) I'll post the conclusion here: While building purely factor-based portfolios is challenging and large...
by Gecko10x
Wed Apr 22, 2015 6:35 am
Forum: Investing - Theory, News & General
Topic: Callan Factor Portfolio Paper
Replies: 2
Views: 1200

Callan Factor Portfolio Paper

I somehow ran into this Callan Paper yesterday and found it interesting. Has it been discussed here before? If not, anyone care to comment?

I tried looking around for other books or papers along the same lines and couldn't really come up with much. Does anyone know of any?

Thanks
by Gecko10x
Wed Apr 15, 2015 8:35 am
Forum: Personal Investments
Topic: Short/Med term, Low/Mod risk, inv vehicle?
Replies: 5
Views: 629

Re: Short/Med term, Low/Mod risk, inv vehicle?

Would anyone recommend a bond index fund? If so, which type and why? Maybe, although I'm of the opinion that straight bonds are actually more risky than something like 90/10 bond/stock. 5 years is generally considered too short a time frame to be taking any risk, but depending on how hard that end ...
by Gecko10x
Wed Jan 14, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 2253

Re: Free (or REALLY cheap) image hosting?

[Referral links removed by admin LadyGeek]
by Gecko10x
Sun Jan 11, 2015 9:52 am
Forum: Personal Investments
Topic: Alternatives to Target or LifeStrategy in Taxable Accounts?
Replies: 13
Views: 2150

Re: Alternatives to Target or LifeStrategy in Taxable Accoun

You could check out something like Betterment.
by Gecko10x
Tue Jan 06, 2015 5:06 pm
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Tax efficiency concern?

Thoughts on excluding world markets to get taxes down?

On one hand, I'd hate to give up all that diversification. OTOH, there's lots of diversification within the US market, and plenty of international exposure via LC. Plus, with a decreasing equity exposure, would it really matter much?
by Gecko10x
Tue Jan 06, 2015 2:41 pm
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Tax efficiency concern?

I appreciate your thoughts, Livesoft. Also the "tax-cost ratio" or whatever one wants to call it really does depend on one's personal tax situation. One may have offsetting losses to help with long-term capital gains distributions or one may have qualified dividends taxed at 0% or whatever...
by Gecko10x
Tue Jan 06, 2015 2:28 pm
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Tax efficiency concern?

Trying to calculate the tax drag could be very complicated in your situation. While you are in the 15% bracket (up to possibly $85-95k per year income), the taxes on cap gains and qualified dividends for the stock funds will be zero. So there will be no significant "tax drag" from those. ...
by Gecko10x
Tue Jan 06, 2015 2:02 pm
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Tax efficiency concern?

If you are going to go the Vanguard route, consider a much more simplified portfolio that will be as effective or more. I would suggest the "Three Fund Portfolio" comprising of Total Stock Index, Total International Index, and Intermediate Term Tax Exempt. I'm not. But just for the argume...
by Gecko10x
Tue Jan 06, 2015 12:55 pm
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Tax efficiency concern?

Tax Cost Ratio represents the percentage-point reduction in returns that results from Federal income taxes (before shares in the fund are sold, and assuming the highest Federal tax bracket). Example: if a fund has a 10% pre-tax return, and taxes reduce that return to 9%, then the tax cost ratio is ...
by Gecko10x
Tue Jan 06, 2015 12:05 pm
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Tax efficiency concern?

Taylor, thanks for the advice. I agree; the reason for my waffling on the AA is that the timeline is going to be 10+ years... probably somewhere in the 11-15yr range. In addition, I don't have a problem waiting 1-3yrs for a recovery. So, for me that puts it just within the "stocks are OK" ...
by Gecko10x
Tue Jan 06, 2015 11:29 am
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Re: Need fund names

Taylor Larimore wrote:Gecko:

I doubt if anyone has memorized the ticker symbols. It will be helpful, and you will get more replies, if you edit your post to include the name of the funds. Use the "edit" button at the top of your window.

Thank you and best wishes.
Taylor
Added.
by Gecko10x
Tue Jan 06, 2015 11:12 am
Forum: Personal Investments
Topic: Tax efficiency concern?
Replies: 15
Views: 2010

Tax efficiency concern?

This year I will probably start putting funds into a taxable account to be used for a future house. My basic question is: How much, if any, should I be concerned about the tax efficiency of my investments? We are currently in the 15% tax bracket, and will likely be there for 2015, but beyond that we...
by Gecko10x
Thu Jan 01, 2015 10:02 am
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 20968

Re: [Annual POLL] What was your 2014 return?

I think my overall weighted return was around 4%, which was significantly drug down by awful timing of new contributions, which made up a rather larger % of my total portfolio. :annoyed
by Gecko10x
Wed Nov 12, 2014 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my 401K loan - Thoughts?
Replies: 8
Views: 1515

Re: Paying off my 401K loan - Thoughts?

I am in a similar situation, and am planning to pay it off as next priority after retirement savings.

I would say that if you cash flow is tight, or has competing priorities (daycare), pay it off. If not, no big deal to just make the monthly payment.
by Gecko10x
Mon Nov 10, 2014 7:59 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 4136

Re: Puerto Rico

Sounds like good advice above.

All I can add is that you can do all of Old San Juan, including a fort tour, in less than 1 day.
by Gecko10x
Fri Nov 07, 2014 2:05 pm
Forum: Personal Investments
Topic: Value Investing at Schwab: MDYV, RPV, RFV, SLYV, PXSV
Replies: 9
Views: 2861

Re: Value Investing at Schwab: MDYV, RPV, RFV, SLYV, PXSV

After looking at all of those and more, I am using RPV for domestic large/mid value. My decision was based on a number of reasons, including cost, value exposure, and diversification. I'd love to know any other reasons you might have had. Also, what exactly are you referring to when you say "d...
by Gecko10x
Wed Nov 05, 2014 8:34 am
Forum: Personal Investments
Topic: Value Investing at Schwab: MDYV, RPV, RFV, SLYV, PXSV
Replies: 9
Views: 2861

Re: Value Investing at Schwab: MDYV, RPV, RFV, SLYV, PXSV

After looking at all of those and more, I am using RPV for domestic large/mid value. My decision was based on a number of reasons, including cost, value exposure, and diversification.

Take it for what it's worth. Nearly everyone will have a different opinion.
by Gecko10x
Fri Oct 31, 2014 6:15 pm
Forum: Personal Consumer Issues
Topic: Trick or Treating Minimum Requirements
Replies: 20
Views: 2004

Re: Trick or Treating Minimum Requirements

300+ (trick or treating was last night)..... Okay, have to ask - Why last night? Especially with Halloween falling on a Friday this year, the perfect storm (no school next day) :?: I know. There's a "big" high school football game tonight, which was the reason for moving trick or treating...