Search found 51 matches

by whoever
Sat Sep 28, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 178
Views: 54401

Re: Interactive Brokers (Best Kept Secret)

rascott wrote:
Sat Sep 28, 2019 1:25 pm
This Lite version may be ideal for my futures account, with trades only happening on the quarterly rolls
Free trades are only for US stocks and ETFS
by whoever
Mon May 13, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

👍🏼👍🏼👍🏼 Just that it seems like a lot of effort to start trading futures for just a little increase in reward (if that). No need to over complicate things if you don’t need to... just increase your allocation to equities. I am already 100% equities(small cap value) in my Roth. Are you saying 100% eq...
by whoever
Mon May 13, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

Today at intra days lows my portfolio P/L day was down 1% (insignificant in $ amount) With 14x leverage and larger drawdowns it is very difficult to stick with this strategy. At what point your $100k with 14x leverage will be wiped out? You have 140% exposure to the S&P 500, including 140% of its v...
by whoever
Mon May 13, 2019 3:21 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

I am paper trading @ TD Ameritrade. 👍🏼👍🏼👍🏼 Any thoughts? Just that it seems like a lot of effort to start trading futures for just a little increase in reward (if that). No need to over complicate things if you don’t need to... just increase your allocation to equities. I am already 100% equities(s...
by whoever
Mon May 13, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

I am paper trading @ TD Ameritrade. 👍🏼👍🏼👍🏼 Any thoughts? Just that it seems like a lot of effort to start trading futures for just a little increase in reward (if that). No need to over complicate things if you don’t need to... just increase your allocation to equities. I am already 100% equities(s...
by whoever
Mon May 13, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

Today at intra days lows my portfolio P/L day was down 1% (insignificant in $ amount) With 14x leverage and larger drawdowns it is very difficult to stick with this strategy. At what point your $100k with 14x leverage will be wiped out? You have 140% exposure to the S&P 500, including 140% of its v...
by whoever
Sat May 11, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 343112

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

From 2000 to present, VUSTX (long term treasuries) was about 6X more volatile than VFISX (short term treasuries). The backtest at the link below shows VFISX leveraged up by a factor of 6 to match the volatility of VUSTX. Here are the results: Jan 2000 - April 2019 P1) 60 Stock/240 STT/-200 Cash - C...
by whoever
Fri May 10, 2019 6:59 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

Started paper trading @ TDA with 1 Emini and 6 two year treasuries future contracts which approximately 10x leverage (1x stocks vs 9x bonds) Let us know how it works out! I also considered using multiple shorter term treasury futures, but one of the reasons I decided to go with the 10 year is the i...
by whoever
Wed May 08, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: Understanding using treasury futures for leverage to implement risk parity
Replies: 166
Views: 16397

Re: Understanding using treasury futures for leverage to implement risk parity

Started paper trading @ TDA with 1 Emini and 6 two year treasuries future contracts which approximately 10x leverage (1x stocks vs 9x bonds)
by whoever
Wed May 08, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 343112

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

The data is certainly intriguing, but my concerns with futures are around practical implementation. The face amount on a ZT (2 yr) contract is $200k. How are you supposed to maintain a consistent AA with block sizes that large, without injecting extra money at every rebalance point? No doubt it is ...
by whoever
Fri Apr 19, 2019 4:41 pm
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 64545

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

In the Asness, "Why Not 100% Equities," article from 1996, he states in the Modern Finance section that, "...an investor chooses a portfolio of risky assets (in this case stocks and bonds) to maximize the portfolio's Share ratio". He then goes on in the paper to suggest that leverage can then be ap...
by whoever
Fri Mar 29, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 56799

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Bogleheads is my FA. All my stock related investments are in three funds portfolio plus a small allocation in smallcap
by whoever
Wed Feb 28, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 20129

Re: How much cash do you keep at any time on checking?

Grt2bOutdoors wrote:
Wed Feb 28, 2018 10:01 am
whoever wrote:
Wed Feb 28, 2018 9:48 am
50k in checking. Rest in high yield savings and CDs.
I hope you are earning some sort of high interest on that.
I am earning nothing. I get other perks with that account.
by whoever
Wed Feb 28, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 3461

Re: Google Pixel 2 Users-Experience So Far?

I have a Pixel 2 (non XL). Love it.
by whoever
Wed Feb 28, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 20129

Re: How much cash do you keep at any time on checking?

50k in checking. Rest in high yield savings and CDs.
by whoever
Wed Feb 28, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 178
Views: 54401

Re: Interactive Brokers (Best Kept Secret)

If one has Voyager select at Vanguard which gives $2 per stock/etf transaction would one still go with IB just for better execution of trades?
by whoever
Tue Feb 27, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 178
Views: 54401

Re: Interactive Brokers (Best Kept Secret)

Why would any US based buy and hold investor investing in mutual funds/etfs choose IB? I understand if one is trading futures,options,shorting and foriegn markets and utilize their low interest margin rates for leverage makes sense to go with IB.
by whoever
Wed Jan 31, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 9324

Re: M1 Finance - now Free. Great way to rebalance

I started my M1 Finance experiment today. I created 4 separate pies and put them in 4 separate M1 accounts (can all be managed with a single login). I chose to do it this way because I wanted to track the performance of each pie separately. Transferred 400 into each account, 1600 total. I'm curious...
by whoever
Wed Jan 31, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 9324

Re: M1 Finance - now Free. Great way to rebalance

How are the order fills with wider bid ask spreads for low volume ETFs? It's worth asking them this question. They mention that some stocks/ETF's are not allowed, presumably because of order fulfillment issues. They are allowing quite a few ETFs that have wider spreads. I did sent a mail to their s...
by whoever
Tue Jan 30, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 9324

Re: M1 Finance - now Free. Great way to rebalance

How are the order fills with wider bid ask spreads for low volume ETFs?
by whoever
Sun Jan 28, 2018 4:30 pm
Forum: Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 7043

Re: Does anyone not rebalance?

OldSport wrote:
Sun Jan 28, 2018 4:28 pm
I rebalance in tax advantaged accounts, since its not a taxable event. I don't rebalance in taxable.
+1 and rebalance with additional funds in taxable
by whoever
Wed Jan 24, 2018 7:54 pm
Forum: Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 9135

Re: Your bond allocation when you were 48

Traveller wrote:
Wed Jan 24, 2018 7:48 pm
I am 48 and 70% equities / 30% bonds. I plan on keeping this allocation until 55 when I will start ramping down.
+1. I have quite bit of cash sitting around which I need to invest
by whoever
Sun Jan 21, 2018 2:49 pm
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Re: Help with my investments. Too much cash

OP: thanks for posting as I am in a somewhat similar situation- 25% cash thinking about best way to use. I, too, worry about the market dropping as the risk has risen this year versus 2017 and 2016. I notice that your CD rate is about the same as your mortgage rate. Why not pay off the mortgage, an...
by whoever
Sun Jan 21, 2018 12:12 pm
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Re: Help with my investments. Too much cash

@JBTX, For the past two and half years I have accumulated cash due to profit from selling Realestate , company ESPP and RSU stocks. I didn't reinvest which was a mistake. I already have Wellesly in my wife Rollover IRA. Do you think it makes sense to have Wellesley in Taxable account since it is not...
by whoever
Sun Jan 21, 2018 9:14 am
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Re: Help with my investments. Too much cash

Age: His 48, Her 45 What I would do (and what I did at your age). At your ages I was 100% invested in RE and stocks. In your current position I would go simply for 100% stocks (and I still am at 100% stocks at age 73). Your portfolio is already in 7 figures and you ought to be saving and investing ...
by whoever
Sun Jan 21, 2018 9:10 am
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Re: Help with my investments. Too much cash

For five years I’d probably do the same options as I listed above. Personally I wouldn’t be sinking much or any money in stocks for 5 years or less. There might be a marginal benefit of doing a 529 for kids school especially if you get state tax deduction. Seems like the bigger issue is your 40% or...
by whoever
Sat Jan 20, 2018 11:32 pm
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Re: Help with my investments. Too much cash

Thank you. I will move some cash to High Yield savings and some to 1 year CDs.

Looking for some options for small cap value funds for domestic and international.
by whoever
Sat Jan 20, 2018 10:11 pm
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Re: Help with my investments. Too much cash

I think you will both like and hate my reply. I think your current proportions and investments look carefully thought out and in my opinion correct. I think your cash (versus bond) position, especially FDIC insured is great. I see no advantage to Merrill-BoA vs Wells-F in terms of FDIC-insured inst...
by whoever
Sat Jan 20, 2018 9:36 pm
Forum: Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2675

Help with my investments. Too much cash

Emergency fund: Yes for 12 months (savings/checking) Debt: 250k Mortgage at 3% (Recent appraisal at 450k) Tax Filing Status: Married Filing Jointly with two kids age 17 and 14 Tax Rate: 24%(2018) , 28%(2017) Federal, 5.75% State State of Residence: NC Age: His 48, Her 45 Desired Asset allocation: 60...
by whoever
Wed Dec 03, 2014 4:18 pm
Forum: Investing - Theory, News & General
Topic: Where do you tilt (your 3-fund portfolio)?
Replies: 42
Views: 5124

Re: Where do you tilt (your 3-fund portfolio)?

I currently tilt to: Small cap: TSP S Fund, PXSV, PDN Value: PXSV, PDN, QICLX, QEELX Momentum: QICLX, QEELX Profitability: QICLX, QEELX Free lunches: TSP G Fund My only other funds are the TSP I Fund and small amounts of VSS & VWO for rebalancing. I don't tilt to emerging markets or REITs. I might ...
by whoever
Tue Nov 25, 2014 4:22 pm
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 11019

Re: How did you handle the 2008 bear market ?

I have only 401k. Never checked it. After 2001 tech bubble crash I didn't invest until 2011 . We were just contributing to 401k max all along.
by whoever
Thu Nov 14, 2013 9:25 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Due to target retirement funds availability in my 401k I am looking for suggestions to meet target asset allocation in all accounts combined.
by whoever
Thu Nov 14, 2013 7:38 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2699
Views: 1801605

Re: The Three Fund Portfolio

@ whoever : The inclusion of international bonds in the Vanguard Target funds are no reason to avoid them. It's just my opinion, but while international bonds are not absolutely necessary nor absolutely essential for a good portfolio, I do not believe they hurt Vanguard's Target Retirement series. ...
by whoever
Thu Nov 14, 2013 4:28 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: The Three Fund Portfolio

[I moved these posts from Re: The Three Fund Portfolio into here. --admin LadyGeek] In our 401k recently vanguard target retirement funds are introduced with 0.11 ER. Other funds are non vanguard with high ER. Is it a good option to move to target retirement funds given it has Total international i...
by whoever
Thu Nov 14, 2013 3:17 pm
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 8909

Re: How many funds do you have in your portfolio?

How are managing asset allocation if your 401k has target retirement fund and taxable account has index funds?
by whoever
Thu Nov 14, 2013 10:46 am
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

the drawback is your 401k will then become stock heavy, meaning you'll need to hold more bonds elsewhere to maintain your AA. If you can do that all in tax-deferred accounts like her IRA, that is fine. If you need to do it in taxable, then per my earlier post that is not usually the recommendation....
by whoever
Wed Nov 13, 2013 8:51 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

the drawback is your 401k will then become stock heavy, meaning you'll need to hold more bonds elsewhere to maintain your AA. If you can do that all in tax-deferred accounts like her IRA, that is fine. If you need to do it in taxable, then per my earlier post that is not usually the recommendation....
by whoever
Tue Nov 12, 2013 7:24 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Recently in our 401k plan fidelity target funds were replaced by Vanguard target funds with .11 ER. Target 2035 has 85% stocks total stock + international and 15% total bond index. Should I move from Pimco bond fund(.48 ER) to vanguard target funds and readjust bond allocation in my taxable account ...
by whoever
Tue Oct 22, 2013 2:04 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Thanks. That make sense.

Vanguard has least ER followed by Nuveen(0.78) with Front load 4.2 but with state tax advantage. Wellsfargo has the highest ER.

Looks like vanguard is best option considering low ER
by whoever
Tue Oct 22, 2013 9:41 am
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Bumping the thread. Appreciate the help regarding choosing bonds for my portfolio
by whoever
Mon Oct 21, 2013 4:15 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

How about NC tax-free funds by wellsfargo?

http://a584.g.akamai.net/f/584/1326/1d/ ... Retail.pdf
by whoever
Mon Oct 21, 2013 1:41 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Thanks for all the suggestions. I am trying to understand all the different bond options. 1)Muni bonds in taxable account: Vangaurd doesn't offer NC muni bonds. Have to go with others with little bit higher ER. Any suggestions? 2)I-bonds: From treasurydirect. 20k(Mine + my wife) 3)My 401k: Move them...
by whoever
Mon Oct 21, 2013 9:39 am
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Don't forget I-Bonds up to $10,000/person/year. There are tax savings if used for your child's education if child is not listed as co-owner. Also there is no state income tax on interest. They can be cashed after 1 year, with 3-months interest penalty. Thanks. I am getting lost with different types...
by whoever
Mon Oct 21, 2013 8:06 am
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Does it makes sense to invest a small portion in MMA or Cds which can be counted towards bonds allocation?
by whoever
Sun Oct 20, 2013 7:01 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

With between 5 and 12 years (under normal circumstances) until you use the 529 money for college, the potential benefits of using a 529 are intermediate. Of course you should maximize the state tax benefit each year, but after that, using taxable accounts rather than 529s gives you better tax loss ...
by whoever
Sun Oct 20, 2013 6:32 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Of that 64% cash, how much do you need to reserve to purchase a house in a few years? Some of the college savings cash you should invest in a 529, in order to maximize any state tax benefit, assuming your state plan is not horrible. The rest you will invest in a taxable account. Assuming you can ge...
by whoever
Sun Oct 20, 2013 5:34 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

GO back to the beginning and clarify what your risk tolerance is. You have 64% cash: enormous. How did that happen? Let's solve your retirement plans first, then fit the 529s into them. re: wife's 401k, unless you are at risk for needing and then losing the backdoor Roth IRA, or her 401k offers rea...
by whoever
Sun Oct 20, 2013 5:03 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Any suggestions one 529 account or two?

How much is good enough to invest in 529 vs taxable account?
by whoever
Sun Oct 20, 2013 12:21 pm
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Should I invest in 529 or withdraw from the taxable account in 5 to 8 years time frame?
by whoever
Sun Oct 20, 2013 11:32 am
Forum: Personal Investments
Topic: Help me with my investment strategy
Replies: 34
Views: 4551

Re: Help me with my investment strategy

Take a look at the Three-Fund Portfolio in the Wiki: http://www.bogleheads.org/wiki/Three-fund_portfolio The simplest way for now with money all in tax-advantaged funds would be putting it all into target retirement funds across the board (These are mainly made up of 3-4 funds). Vanguard funds are ...