Search found 485 matches

by columbia
Sun Oct 22, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 31
Views: 2677

Re: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]

I'm perfectly happy with my Traditional account and they will do an annual rebalance of your funds, although I don't use it.

Otherwise, I have a pretty low opinion of TIAA.
by columbia
Sat Oct 21, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 31
Views: 2677

Re: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]

Their 500 fund goes for .32% (at least the one I had access to), before my plan replaced it with VFIAX.

Somebody is making a profit on their in house funds....
by columbia
Fri Oct 20, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 90
Views: 16039

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

I'm pretty interested in at least seeing the stock side of this. I assume that will include Novartis, Shell, BP, TOTAL SA, Panasonic, etc.
by columbia
Thu Oct 19, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Currency risk?
Replies: 42
Views: 2216

Re: Currency risk?

I know that there are 50% hedged international ETFs, which could be a reasonable compromise (depending on one's outlook). I don't believe I've ever seen such a product discussed here, however.
by columbia
Thu Oct 19, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: "Using Jack Bogle's own words against him when it comes to international investing"
Replies: 30
Views: 3622

Re: "Using Jack Bogle's own words against him when it comes to international investing"

... Overseas investments - holdings in the corporations of other nations - are not essential, nor even necessary, to a well-diversified portfolio. For investors who disagree - and there are some valid reasons for global investing - I would recommend limiting international investments to a maximum o...
by columbia
Wed Oct 18, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4804

Re: The overselling of international diversification

I believe that if international outpaces the US over the next 30 years, the locus will be China. As I don't own an EM fund, I don't have any of those class A shares. If they enter the VT index, I won't quibble.
by columbia
Tue Oct 10, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7025

Re: Vanguard's long-term outlook for TIPS

I still get it why people would be surprised by TIPS dropping in the face of a market crash: who exactly would be gobbling them up to fight inflation after a crash? Larry Swedroe for one. Some folks here followed his advice and scooped them up in the aftermath of the 2008-2009 financial crisis. Tha...
by columbia
Mon Oct 09, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7025

Re: Vanguard's long-term outlook for TIPS

I still get it why people would be surprised by TIPS dropping in the face of a market crash: who exactly would be gobbling them up to fight inflation after a crash?
by columbia
Sun Oct 08, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4133

Re: So... What bond fund or bond-like instrument do you use?

Only TIAA Traditional RC, which is paying 4.25% right now. Technically, I could put new money inTBM, if that starts to outperform TIAA. Had anyone here faced that scenario?
by columbia
Mon Oct 02, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: Smart Beta Debate Sparks Identity Crisis at Vanguard
Replies: 15
Views: 2615

Re: Bloomberg: Smart Beta Debate Sparks Identity Crisis at Vanguard

Since 2015, it’s launched three more global factor mutual funds and eight factor ETFs abroad.
That have?
by columbia
Mon Sep 25, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Financial History Books
Replies: 15
Views: 1522

Re: Financial History Books

"Manias, Panics, and Crashes: A History of Financial Crises"

Charles P. Kindleberger
by columbia
Mon Sep 25, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6180

Re: Which is better a Cryptocurrency or Gold?

No more than 5% gold; no more than 0% crypto currency.
by columbia
Sat Sep 23, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Expense changes
Replies: 17
Views: 1265

Re: TIAA Expense changes

I'm happy with my decision to only own Traditional in my TIAA account. The rest of the operation appears to be a scam.
by columbia
Mon Sep 18, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: New Betterment Portfolio Strategies
Replies: 13
Views: 2941

Re: New Betterment Portfolio Strategies

Betterment website 2015: Is ‘Smart’ Beta Just Expensive Beta? Dan Egan Managing Director of Behavioral Finance & Investing Betterment Are ‘smart’ beta funds good for investors? So far, the answer is no. Originally published: June 16, 2015 KEY TAKEAWAYS'Smart' beta funds are billed as offering the po...
by columbia
Fri Sep 15, 2017 6:27 am
Forum: Investing - Theory, News & General
Topic: Bitcoin is dropping right now after a big Chinese exchange announces closure
Replies: 84
Views: 6625

Re: Bitcoin is dropping right now after a big Chinese exchange announces closure

From a data storage and management perspective, block chains are pretty interesting. However, I'm not interested in interesting investments.
by columbia
Fri Sep 15, 2017 6:14 am
Forum: Investing - Theory, News & General
Topic: New Betterment Portfolio Strategies
Replies: 13
Views: 2941

Re: New Betterment Portfolio Strategies

It's a great marketing technique. ;)

In pretty sure that they are touting both higher risk and lower volatility. God's speed on that mission....
by columbia
Fri Sep 15, 2017 6:14 am
Forum: Investing - Theory, News & General
Topic: New Betterment Portfolio Strategies
Replies: 13
Views: 2941

Re: New Betterment Portfolio Strategies

It's a great marketing technique. ;)

In pretty sure that they are touting both higher risk and lower volatility. God's speed on that mission....
by columbia
Tue Sep 12, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: S&P500 ex-FAANGs
Replies: 26
Views: 1829

Re: S&P500 ex-FAANGs

Yes.

Believing that one can predict future systemic changes in economics and technology seems like quite a bit of hubris.
by columbia
Tue Sep 12, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: S&P500 ex-FAANGs
Replies: 26
Views: 1829

Re: S&P500 ex-FAANGs

I guess one could do the reverse and "pick" the 4-5 stocks which will bloom the most for the next 30 years. I'm not willing to risk my savings on doing that and being wrong.
by columbia
Mon Sep 11, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7465

Re: What If U.S. Stocks Stay Expensive For Years?

More reason to seek better returns elsewhere, it would seem.
by columbia
Tue Sep 05, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: Three Centuries of Asset Returns, 1694-2015
Replies: 35
Views: 4418

Re: Three Centuries of Asset Returns, 1694-2015

Those returns are annunciation for the US-only crowd. ;)
by columbia
Mon Sep 04, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: China drops the Hammer on Cryptocurrencies
Replies: 23
Views: 3051

Re: China drops the Hammer on Cryptocurrencies

Like junk bonds, these currencies are definitely on my avoid list.
by columbia
Sat Sep 02, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Schwab Onesource Total US and Total World?
Replies: 9
Views: 972

Re: Schwab Onesource Total US and Total World?

I can't speak to the fee differences, but that's what Betterment does (with VG and Schwab ETFs).
by columbia
Fri Sep 01, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4262

Re: Do you know your bond portfolio's REAL 12 month total return?

No. I don't own a bond fund. :P

Very satisfied with TIAA Traditional.
by columbia
Wed Aug 30, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5281

Re: USAA opinions. Worth it?

I have checking, savings, credit card and insurance through USAA; nothing but positive experiences.

Their mutual funds are outrageously expensive. It's slightly criminal, IMO.
by columbia
Tue Aug 29, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: Rob Arnott: Dump US stocks buy EM
Replies: 65
Views: 5688

Re: Rob Arnott: Dump US stocks buy EM

The great thing about a global cap fund is that one doesn't need to worry about buying "cheap" EM stocks - it just happens.
by columbia
Wed Aug 23, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3493

Re: Total World (VT, VTWSX) Tilt? Simplicity...

One has to invest at their own level of comfort. I use VT for stocks, but am probably under weight (60%) in equities for my age (49). My "bonds" are in TIAA Traditional. It's all a mental balancing act, that only has to be comfortable for me. People can hand out all the advice they want, but only I ...
by columbia
Wed Aug 23, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Wait & You'll Likely Miss Out
Replies: 74
Views: 10240

Re: Larry Swedroe: Wait & You'll Likely Miss Out

Despite the irritating circumstances of someone here chasing Larry away, I appreciate the continued discussions of his articles.
by columbia
Tue Aug 22, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 62
Views: 9264

Re: Amazed by Vanguard Wellington's Performance

I'm not aware if anyone is "lauding" Wellington or Wellesley. I just ran a screener and made an observation that I found pretty shocking. Certainly anyone that doesn't believe in coincidences and rare repeatable, multi-decade long lucky streaks despite an active fee headwind would find it shocking ...
by columbia
Mon Aug 21, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3493

Re: Total World (VT, VTWSX) Tilt? Simplicity...

One would think that this fund would have enough to warrant an Admiral share. VG website indicates $12.8 billion (which is apparently not enough).
by columbia
Sun Aug 20, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11918

Re: Study: The Rate of Return on Everything, 1870-2015

How is this relevant for anyone's future?
by columbia
Tue Aug 15, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: "[Vanguard] Brokerage trades will soon settle in just 2 days, down from 3."
Replies: 2
Views: 460

Re: "[Vanguard] Brokerage trades will soon settle in just 2 days, down from 3."

I find their available funds info to be quite confusing. Bad data management, IMO.
by columbia
Sat Aug 12, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2359

Re: Stable Value Funds vs Bond Funds

Some don't like the liquidity terms: 84 monthly payouts. I'll just direct those into TBM in my 403b and enjoy the nice weather. :)
by columbia
Sat Aug 12, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2359

Re: Stable Value Funds vs Bond Funds

willthrill81 wrote:
Sat Aug 12, 2017 10:12 am
columbia wrote:
Sat Aug 12, 2017 8:10 am
Current rate for TIAA RC Traditional is 4.25%.

Yes, please, and for the foreseeable future.
I'm not sure which version you are referring to. On my end, TIAA Trad is still paying 4.0%.
Right here:
https://www.tiaa.org/public/investment- ... er=TIAAPRC
by columbia
Sat Aug 12, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2359

Re: Stable Value Funds vs Bond Funds

Current rate for TIAA RC Traditional is 4.25%.

Yes, please, and for the foreseeable future.
by columbia
Thu Aug 10, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2742

Re: "5 Steps to Take in Jittery Markets"

6: don't do anything
by columbia
Mon Aug 07, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: "What the Evolving Robo Advisory Industry Offers"
Replies: 5
Views: 674

Re: "What the Evolving Robo Advisory Industry Offers"

How long can robo advisors charge more than a target date fund? Probably indefinitely.
by columbia
Fri Aug 04, 2017 6:45 am
Forum: Investing - Theory, News & General
Topic: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’
Replies: 24
Views: 2854

Re: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’

That sounds like Microsoft warning the world about Linux 15 years ago. Linux, of course, owns the enterprise operating system market, along with Android phones and other embedded devices.
by columbia
Tue Aug 01, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34008

Re: John Bogle Has Been Right About Investing In International Stocks

Lot of animosity in this thread, which is not good. This site has always (for me) been a great place to learn in a very civil and respectful atmosphere.

Running Mr. Swedroe off wasn't enough. :?
by columbia
Tue Aug 01, 2017 6:15 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 9918

Re: Has the "bond bubble" caused you to change your allocation?

I moved all of my bond holdings to TIAA Traditional.

So.....yes.
by columbia
Mon Jul 31, 2017 5:07 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34008

Re: John Bogle Has Been Right About Investing In International Stocks

This kind of discussion will really heat up when China class A shares start showing in broad based international indices. :P
by columbia
Sun Jul 30, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34008

Re: John Bogle Has Been Right About Investing In International Stocks

Part of the issue is not knowing the age and retirement goals of each posted. I'm 49 and own VT. There's a very good chance that I will swap that for VOO upon retirement; largely because of the currency fluctuation issue. I'm of the believe that I am (and will be) "right" in both cases. Others can d...
by columbia
Sun Jul 23, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Can real estate investing (actual properties) be relatively "hands off"?
Replies: 50
Views: 5938

Re: Can real estate investing (actual properties) be relatively "hands off"?

Perhaps TIAA real estate fund. However, i don't know if that is available outside of 403b accounts.
by columbia
Sat Jul 22, 2017 8:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3589

Re: Larry Swedroe: What Drives Municipal Bond Yields

Interesting discussion.
It's unfortunate that Larry isn't around. :confused
by columbia
Sat Jul 22, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 5197

Re: Do you find financial advisors to be all that bright?

My sense is that the collective wisdom here (outside of myself) is > than your average advisor.