Search found 1101 matches

by oldzey
Sat Dec 15, 2018 4:51 am
Forum: Investing - Theory, News & General
Topic: S&P 500 ETF versus total stock index ETF
Replies: 8
Views: 804

Re: S&P 500 ETF versus total stock index ETF

Why not use a combination of S&P 500 and CRSP US Total Market indexes? I currently do, plus the Russell 3000 index (sometimes I also use the CRSP US Large Cap index). Here's the account placement for my index funds and ETFs: Roth: VFIAX - Vanguard 500 Index Fund Admiral Shares 403b: TIEIX - TIAA-CRE...
by oldzey
Fri Dec 14, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: "Don't Put Beating The Market Atop Your To-Do List"
Replies: 1
Views: 410

Re: "Don't Put Beating The Market Atop Your To-Do List"

Thanks for sharing the link to the M* video, Taylor!
by oldzey
Fri Dec 14, 2018 5:29 am
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 49
Views: 5977

Re: Recession Coming

A little chaos now and then is to be expected.

Gary Oldman explains why graffiti is good for the world!
by oldzey
Thu Dec 13, 2018 5:03 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 379
Views: 37075

Re: What types of jobs do Bogleheads have?

In chronological order starting about age 12: Newspaper delivery Detasseling corn Lawnmowing/raking/landscaping Foodservice (multiple jobs throughout the years) Telemarketer Woodworking Rental property management Night stock at grocery store Antique store retail clerk Chef Restaurant Manager Teachi...
by oldzey
Thu Dec 13, 2018 3:01 am
Forum: Investing - Theory, News & General
Topic: "How NOT To Beat The Market"
Replies: 15
Views: 2178

Re: "How NOT To Beat The Market"

“As a general rule of thumb, the more complexity that exists in a Wall Street creation, the faster and farther investors should run.”
–- David Swensen
by oldzey
Tue Dec 11, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 59
Views: 6276

Re: Article: Your love of index funds is terrible for our economy

Active investors have been lamenting that index funds are bad since 1976... Is this image a real vintage poster? Where’d you pick this up? Yes it is a real thing, and the origins of the poster is described in this speech by Jack Bogle: As The Index Fund Moves from Heresy to Dogma . . . What More Do...
by oldzey
Tue Dec 11, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 59
Views: 6276

Re: Article: Your love of index funds is terrible for our economy

Active investors have been lamenting that index funds are bad since 1976...

Image
by oldzey
Tue Dec 11, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 59
Views: 6276

Re: Article: Your love of index funds is terrible for our economy

Did it also call Index Funders unpatriotic? :D There's quite a thrashing going on against folks who just buy a U.S. Broad Market index fund and call it good enough. The international crowd calls it jingoistic xenophobia, and the active crowd calls it unpatriotic. But I suppose we'll have to just ge...
by oldzey
Mon Dec 10, 2018 3:09 am
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 15
Views: 4094

Re: "STAY THE COURSE" by John C. Bogle -- A Gem

I'll add that there's a great photo of Jack on the back of the dust jacket.
by oldzey
Mon Dec 10, 2018 3:06 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 8477

Re: We Are Teetering on the Edge of A DEATH CROSS

The DEATH CROSS is fully operational.

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by oldzey
Mon Dec 10, 2018 2:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8607
Views: 1678943

Re: U.S. stocks in freefall

Should be an interesting week. :twisted:
by oldzey
Sun Dec 09, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: International underperformance - how to break it down
Replies: 52
Views: 4050

Re: International underperformance - how to break it down

Setting aside the last 10 years: 1. UK looks to be a disaster for decades because of Brexit. 2. Continental Europe: see above for cascading effects. 3. Japan: I’d love to hear an argument for future optimism. That’s nearly 60% of ex-US. To paraphrase Dirty Harry re:Europe + Japan: Do you feel lucky...
by oldzey
Sun Dec 09, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4690

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

In one of the interviews with JL Collins on Youtube he makes an argument against the need to explicitly include international funds or stocks in your portfolio, since broad-based index funds include big "U.S." companies with significant international business. I don't know who that is but many peop...
by oldzey
Sat Dec 08, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4690

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

I recommend "The Simple Path to Wealth" by JL Collins. I agree with Colllins' views on international investing, found in Chapter 15. He states that the 500 largest stocks in the U.S. make up about 80% of VTSAX , and that those 500 stocks generate half of their revenues/profits from markets outside t...
by oldzey
Fri Dec 07, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 51
Views: 7969

Re: New Jack Bogle Book!

My pre-ordered copy from Amazon arrived today - looking forward to reading it over the holidays.

Thank you, Jack! :beer
by oldzey
Wed Dec 05, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?
Replies: 24
Views: 2325

Re: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?

That's why I wanted to see the future of whether this TIAA Trad will continue to be a good option. I plan to keep TIAA Traditional (TRAD) in my defined plan even if I leave my current employer and can't contribute to it anymore. I want to have the option available to annuitize TRAD in the future, w...
by oldzey
Wed Dec 05, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3569

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

I'd recommend simply typing "Edward Jones" into the search box at the upper right of this page and see what you find.

My sister and her husband use Edward Jones, but I bite my tongue, because their FA (like their insurance rep) is a "good friend".
by oldzey
Wed Dec 05, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Morningstar forum gone?
Replies: 11
Views: 1522

Re: Morningstar forum gone?

Yes, the M* website offerings do tend to wax and wane. A case in point are their charts - sometimes they work, sometimes they don't display the graphs, and sometimes they are simply unavailable. However, if you are signed in as a premium member, it seems that those issues are magically resolved (no ...
by oldzey
Mon Dec 03, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 15
Views: 4094

Re: "STAY THE COURSE" by John C. Bogle -- A Gem

Thank you for taking the time to organize and post the excerpts, Taylor!

Thank you, Jack!
by oldzey
Thu Nov 29, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 17969

Re: Bogle Sounds a Warning on Index Funds

Yup, seems that the WSJ has upgraded their paywall, which comes as no surprise.
by oldzey
Thu Nov 29, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: New interview with Jack Bogle-Highly recommended
Replies: 4
Views: 1345

Re: New interview with Jack Bogle-Highly recommended

Thanks for posting, Paul!

Thank you, Jack!
by oldzey
Thu Nov 29, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46918

Re: U.S. stocks continue to soar!

Was today the biggest up day of the year? I'm not sure how to check. Looks like for the S&P 500 today's +2.30% takes second place for the year (so far) First place goes to Mar 26 + 2.72% https://www.investing.com/indices/us-spx-500-historical-data I'll drink to that! :sharebeer https://i.imgur.com/...
by oldzey
Wed Nov 28, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46918

Re: U.S. stocks continue to soar!

Back in the black. :sharebeer
by oldzey
Tue Nov 27, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 67
Views: 5564

Re: First Crypto ETF Index Fund launched!!! $HODL

Can you buy marijuana with cryptocurrency? Just sayin'...
by oldzey
Mon Nov 26, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 73
Views: 11325

Re: Worst investing year ever....

aristotelian wrote:
Mon Nov 26, 2018 2:09 pm
I think anyone who went through the Great Depression or 2008 would beg to differ.
+1 - 2008-2009 were the worst investing years for me.
by oldzey
Mon Nov 26, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Student Debt
Replies: 11
Views: 975

Re: Student Debt

Until you are married, this debt is for your girlfriend to manage. Let her do the legwork on refinancing or loan forgiveness plans that she might be eligible for. It is fine to discuss the impact on your future joint finances, but remember that is is her issue to deal with for now. Don’t take respo...
by oldzey
Sun Nov 25, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 32
Views: 5832

Re: "Stay The Course" by John Bogle

Thanks for the tip. It worked. $18.95, final price after applying NOVBOOK18, isn't too bad. I find it deeply disturbing that the Kindle edition is $34.95... anyway... I bought it. I am sorry, I should have pointed out that the book page for me also showed a coupon worth $1.38 that could be applied ...
by oldzey
Sun Nov 25, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7076

Re: What is your allocation to U.S. and International?

In relation to the never ending debate of portfolio allocation, I am interested in thoughts on the allocation between U.S. and International stocks and bonds. OP, as you stated, the debate is never-ending. And to paraphrase Jack or Taylor or both, when the debate is never-ending, it's probably beca...
by oldzey
Sat Nov 24, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7076

Re: What is your allocation to U.S. and International?

As a U.S. investor, I hold 75% U.S. equities and 25% U.S. fixed income.

So, 0% international for me! :beer

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by oldzey
Tue Nov 20, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8607
Views: 1678943

Re: U.S. stocks in freefall

lostdog wrote:
Tue Nov 20, 2018 6:10 pm
Uninstalled Vanguard app on my phone. :)
:thumbsup 8-)
by oldzey
Tue Nov 20, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8607
Views: 1678943

Re: U.S. stocks in freefall

Surprise! :twisted:

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by oldzey
Mon Nov 19, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: 2 Fund Ports: Everything You NEED?
Replies: 32
Views: 3797

Re: 2 Fund Ports: Everything You NEED?

2 funder here.

U.S. Total Market Index Fund + TIAA Traditional.

75%/25%

Simple - everything I need for my portfolio. :beer
by oldzey
Sat Nov 17, 2018 3:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46918

Re: U.S. stocks continue to soar!

Keep on soaring high, apple pie! :beer

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by oldzey
Fri Nov 16, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8607
Views: 1678943

Re: U.S. stocks in freefall

I actually did some investing while I was in grad school (besides being a TA, I was also a RA [Research Assistant] and an adjunct instructor). The freefall of U.S. stocks from 2008-2009 was painful. It taught me that (as a grad student) I should have held cash instead of stocks. :oops: And yes, I di...
by oldzey
Fri Nov 16, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8607
Views: 1678943

Re: U.S. stocks in freefall

For those that follow TA, we filled one of two gap-ups from early November. Another one exist just below the 2700 level on the S&P. The S&P was down over 1% intraday, however, gap under 2700 was filled. Respect the volatility :beer Is there reason to believe that many Bogleheads follow TA? I unders...
by oldzey
Thu Nov 15, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

I wonder how Nisiprius Investments Global Funds have been doing the past 8 years, compared to the S&P 500 Index?

Nisiprius Investments Launches New Global Funds
by oldzey
Wed Nov 14, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

How do those who are anti-international investing recommend a Canadian investor should deal with this? Right now, my equity investments are generally aligned with global market caps, with a slight tilt towards US. I'd recommend you ask this same question in our sister Canadian forum: Financial Wisd...
by oldzey
Wed Nov 14, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

JoMoney wrote:
Wed Nov 14, 2018 1:40 am
https://youtu.be/zrCo0m5gSfc
..."To be crystal clear on this, I couldn't care less if an investor decides to go into the Vanguard S&P 500 ETF or Traditional Index Fund"..
Thanks for sharing this video clip - classic Jack.
by oldzey
Tue Nov 13, 2018 4:04 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

Just because somebody is right on one topic does not automatically mean they are right on other topics even within the same field. In the sciences it is almost a cliche that elderly scientists, even ones who were rebels in their youth, are the ones resisting the new truths. Einstein is a classic ex...
by oldzey
Mon Nov 12, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: Words of wisdom

Bogleheads: When I look at oldzey's graph (above), I am reminded of this statement by author Bill Bernstein: "When I disagree with Jack Bogle – I am usually wrong." Best wishes. Taylor Well said indeed. :beer Xenophanes: "It takes a wise man to recognize a wise man." "What Experts Say About Jack Bo...
by oldzey
Mon Nov 12, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8607
Views: 1678943

Re: U.S. stocks in freefall

"The algos just weren't feeling it today..."

Great explanation from a financial news commentator.
by oldzey
Mon Nov 12, 2018 3:13 am
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8780

Re: What's Your Fixed Income Strategy?

Plan to work full time to full retirement age (67).

Formula is Age-25 = X% in fixed income (TIAA Traditional).

Currently at 25% fixed income.
by oldzey
Sun Nov 11, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

pascalwager wrote:
Sun Nov 11, 2018 6:17 pm
oldzey wrote:
Sun Nov 11, 2018 5:54 pm
I choose not to "diversify" my garden with weeds. :beer
Actually, I wish my international growth was a little more weedlike.
Good one! Hehe! 8-)
by oldzey
Sun Nov 11, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

I choose not to "diversify" my garden with weeds. :beer
by oldzey
Sun Nov 11, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2810

Re: TIAA R1 With Painfully High Expenses - stuck?

Thanks for taking the time to post the complete list of funds and your AA.

I concur with The Wizard's assessment of fund choices and AA suggestions.

:beer
by oldzey
Sun Nov 11, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 2810

Re: TIAA R1 With Painfully High Expenses - stuck?

My wife works for a small-ish independent school where their 403b is with TIAA-CREF. Because of the school's small size and T-C's new fees, her investment options all carry pretty high expense rations (ER's from .51% in the CREF equity offerings to .79% for Real Estate -- ones I don't use like TIAA...
by oldzey
Sat Nov 10, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99023

Re: How much international stock? A suggestion.

The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total International Stock Index Fund ( VGTSX ) was 4/29/1996. Per Morningstar , as of 4/4/2018, if you had invested $10,000 in both funds on 4/29/1996, you would currently...