Search found 118 matches
- Fri Jan 06, 2017 8:18 pm
- Forum: Investing - Help with Personal Investments
- Topic: What To Do With Large Bonus
- Replies: 16
- Views: 2660
Re: What To Do With Large Bonus
Yes run the math on how much college will cost for 2 children... you will want to start investing a large chunk of that bonus now for that if you plan on paying for it...
- Sun Apr 05, 2015 6:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay Off Mortgage to Save for Bigger House
- Replies: 10
- Views: 2126
Re: Pay Off Mortgage to Save for Bigger House
Thanks for all he replies. I ran the math on this and if you compare the two choices of saving in a tax exempt intermediate term bond fund vs. Paying off the mortgage they are about equal financially. Even though my mortgage rate is higher than the rate I would get on the bond fund, when you factor ...
- Sat Apr 04, 2015 2:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay Off Mortgage to Save for Bigger House
- Replies: 10
- Views: 2126
Pay Off Mortgage to Save for Bigger House
I live in a condo but am planning on moving to a larger house in the next 3-4 years. Houses cost about three times the value of my current condo. To save for this house I was planning on just making additional principal payments on my condo mortgage and eventually paying it off. Is there any reason,...
- Sat Feb 09, 2013 9:04 am
- Forum: Investing - Theory, News & General
- Topic: investing with style
- Replies: 18
- Views: 3750
Re: investing with style
Larry
Have you looked at the tax efficiency of momentum funds. I'm assuming it is higher turnover and would need to not be held in a taxable account ideally.
Also, for your clients that incorporate momentum what percent of their equities allocation does it typically represent?
Thank you
Have you looked at the tax efficiency of momentum funds. I'm assuming it is higher turnover and would need to not be held in a taxable account ideally.
Also, for your clients that incorporate momentum what percent of their equities allocation does it typically represent?
Thank you
- Sun Dec 30, 2012 7:51 am
- Forum: Personal Finance (Not Investing)
- Topic: Just Deleted Our Mint Account
- Replies: 73
- Views: 11692
Re: Just Deleted Our Mint Account
I don't understand the security concern here. Even if you gave a stranger your mint login information they could see your accounts but not actually access any of the accounts. Isn't the only risk that someone hacks the mint database that stores all the account infor, but that has the same level of s...
- Fri Jul 20, 2012 8:55 am
- Forum: Investing - Help with Personal Investments
- Topic: 27 Year Old Disabled Veteran, Investment Rookie
- Replies: 24
- Views: 2659
Re: 27 Year Old Disabled Veteran, Investment Rookie
Just wanted to thank you for your service and good to hear you are doing well now.
- Fri May 11, 2012 7:34 am
- Forum: Investing - Theory, News & General
- Topic: JPMorgan Chase loses $2 Billion
- Replies: 34
- Views: 3118
Re: JPMorgan Chase loses $2 Billion
Although I think this was a significant mistake and an example of the downside risk of investing in a complicated derivative, I think the media is blowing this out of proportion. $2 billion is a large headline number but remember JPM has over $2.3 TRILLION in assets, and of that JPM has $380 billio...
- Fri May 11, 2012 6:39 am
- Forum: Investing - Theory, News & General
- Topic: 12yo son's investing class at school driving me nuts
- Replies: 46
- Views: 9534
Re: 12yo son's investing class at school driving me nuts
Great lesson here. I remember having a similar class when I was that age. I believe it was focused on the classic stock market game that basically incentives maximum risk taking since 1st place wins and everyone else loses. In retrospect though I'm really glad I had that class because it made me int...
- Fri May 11, 2012 6:20 am
- Forum: Investing - Theory, News & General
- Topic: JPMorgan Chase loses $2 Billion
- Replies: 34
- Views: 3118
Re: JPMorgan Chase loses $2 Billion
Although I think this was a significant mistake and an example of the downside risk of investing in a complicated derivative, I think the media is blowing this out of proportion. $2 billion is a large headline number but remember JPM has over $2.3 TRILLION in assets, and of that JPM has $380 billion...
- Sun May 06, 2012 5:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I Rent or Buy? 23, Secure Job, Single
- Replies: 55
- Views: 3692
Re: Should I Rent or Buy? 23, Secure Job, Single
This question is discussed somewhat frequently on this forum. I would recommend doing a search and reading responses from some of the recent posts. The general consensus is that this is a riskier move than it appears on the surface. 1. There are many expenses outside the mortgage including HOA fees ...
- Sun May 06, 2012 5:40 pm
- Forum: Investing - Theory, News & General
- Topic: Are safe withdrawal studies modeled on preserving capital?
- Replies: 66
- Views: 5232
Re: Are safe withdrawal studies modeled on preserving capita
Another important assumption of the safe withdrawal equation is that your spending in retirement remains constant in real dollars. I would argue that this assumption is conservative as spending tends to decrease as people age and become less active. See the wiki on retirement spending below. Total s...
- Sun May 06, 2012 5:08 pm
- Forum: Investing - Theory, News & General
- Topic: Berkshire Hathaway Annual Meeting Open Thread
- Replies: 7
- Views: 799
Re: Berkshire Hathaway Annual Meeting Open Thread
Here were some other interesting comments: - At the low current rates, "I would totally avoid buying" government bonds other than short-term bills, Mr. Buffett says. (I believe this has been discussed before on this forum) - Mr. Buffett's bet that an index fund tracking the S&P 500 could beat hedge ...
- Mon Apr 30, 2012 5:26 pm
- Forum: Investing - Help with Personal Investments
- Topic: contribute to a not so good 401k?
- Replies: 6
- Views: 628
Re: contribute to a not so good 401k?
It would have to be a lot worse than that! Wiki article link: Investing FAQ for the Bogleheads® forum Scroll about 2/3's down for the David Grabiner formula for bad 401k's. Also, (1) if you are getting any sort of match that should make up for the high ER and (2) given you will only be working ther...
- Mon Apr 23, 2012 9:56 pm
- Forum: Investing - Help with Personal Investments
- Topic: Buffer note
- Replies: 10
- Views: 1317
Re: Buffer note
Larry actually covered the downside of the product in this article:
http://www.cbsnews.com/8301-505123_162- ... investors/
http://www.cbsnews.com/8301-505123_162- ... investors/
- Sat Apr 07, 2012 9:45 am
- Forum: Personal Consumer Issues
- Topic: Which College? 3 years or 4 years?
- Replies: 83
- Views: 5877
Re: Which College? 3 years or 4 years?
1. Madison or Vanderbilt I know many people that graduated from Wisconsin undergrad and went to med school. Wisconsin is a very good platform academically and a very fun school with a great campus. Wisconsin has a great med school that places well for residency. I know people that went to Mayo and N...
- Tue Apr 03, 2012 12:04 pm
- Forum: Investing - Theory, News & General
- Topic: The first $500,000 is always the hardest
- Replies: 260
- Views: 44549
Re: The first $500,000 is always the hardest
This a great discussion and very helpful. As a younger saver in my 20s and not at the 500k mark, I'm wondering if you have any advice on how to think about saving for a house downpayment now vs. investing that money. I'm maxing out 401k and IRA, but beyond that I'm using savings to save for a downpa...
- Sat Mar 24, 2012 3:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: to cancel or not to cancel? (credit card)
- Replies: 37
- Views: 9254
Re: to cancel or not to cancel? (credit card)
Agree that you should keep the card and just not use it. Both the high credit limit and the length of time you have had the card open will increase your credit score. Another component of the credit score is your borrowing as a % of your total credit limit. Keeping the first credit card will help ke...
- Fri Mar 16, 2012 8:31 am
- Forum: Investing - Theory, News & General
- Topic: diversifying across risk factors
- Replies: 41
- Views: 2821
Re: diversifying across risk factors
Is there a practical way for individuals to invest in momentum funds that have low expense ratios? AQR looks good but has a $5 million minimum investment.
- Tue Nov 15, 2011 9:22 pm
- Forum: Investing - Help with Personal Investments
- Topic: Where do you keep your emergency fund?
- Replies: 67
- Views: 9640
Re: Where do you keep your emergency fund?
Tier 1:
1/6 - Bank Account
1/6 - High Yield Savings
1/6 - Vanguard Limited Term Tax Exempt
Tier 2:
3/6 - IBonds
1/6 - Bank Account
1/6 - High Yield Savings
1/6 - Vanguard Limited Term Tax Exempt
Tier 2:
3/6 - IBonds
- Sat Oct 29, 2011 8:22 pm
- Forum: Investing - Help with Personal Investments
- Topic: Emerging Markets Allocation
- Replies: 6
- Views: 745
Re: Emerging Markets Allocation
There is no difference between the options for rebalancing purposes, if you still maintain a target for emerging markets under option 1. That is, you would check the composition of Vanguard Total International, and if the fraction of emerging markets slipped, you would add to your holdings of Vangu...
- Sat Oct 29, 2011 8:20 pm
- Forum: Investing - Help with Personal Investments
- Topic: Emerging Markets Allocation
- Replies: 6
- Views: 745
Re: Emerging Markets Allocation
100% equities. 60% US (10% US REIT) / 40% Internationalnatureexplorer wrote:What is your allocation to international equities overall? What is your allocation to equities overall?
- Sat Oct 29, 2011 7:01 pm
- Forum: Investing - Help with Personal Investments
- Topic: Emerging Markets Allocation
- Replies: 6
- Views: 745
Emerging Markets Allocation
I was just reviewing the holdings of my Vanguard funds and think I might be far too overweight emerging markets because the total international funds already hold emerging markets. My international allocation is 50% Vanguard Total International Stock Index, 25% Vanguard FTSE All-World ex-US Small-Ca...
- Sun Oct 23, 2011 10:44 am
- Forum: Investing - Help with Personal Investments
- Topic: GNMA vs Intermediate Tax-Exempt in Taxable
- Replies: 8
- Views: 929
Re: GNMA vs Intermediate Tax-Exempt in Taxable
Thanks brad - that makes sense.
- Sat Oct 22, 2011 8:41 pm
- Forum: Investing - Help with Personal Investments
- Topic: GNMA vs Intermediate Tax-Exempt in Taxable
- Replies: 8
- Views: 929
Re: GNMA vs Intermediate Tax-Exempt in Taxable
Thanks for the responses. I meant to say that my retirement portfolio was all equities, not this other pool of capital that will be for a down payment. Thanks for the general advice though. I will probably look into shorter duration tax exempt bonds
- Sat Oct 22, 2011 4:39 pm
- Forum: Investing - Help with Personal Investments
- Topic: GNMA vs Intermediate Tax-Exempt in Taxable
- Replies: 8
- Views: 929
Re: GNMA vs Intermediate Tax-Exempt in Taxable
Thanks Taylor. I am in the 28% federal tax bracket and live in IL which has a 5% state tax (recently raised from 3% given IL's intelligent management of state budgets). I am 23 and comfortable with risk so my general portfolio is 100% equities diversified across various Vanguard funds. The only othe...
- Sat Oct 22, 2011 4:12 pm
- Forum: Investing - Help with Personal Investments
- Topic: GNMA vs Intermediate Tax-Exempt in Taxable
- Replies: 8
- Views: 929
GNMA vs Intermediate Tax-Exempt in Taxable
I am trying to determine if it makes more sense to hold the Vanguard GNMA or the intermediate-tax exempt fund. This is in a taxable account. Given my tax bracket the intermediate-tax exempt fund has a tax equivalent SEC yield that is about 15 basis points higher than the GNMA (just comparing the SEC...
- Wed Sep 07, 2011 10:41 pm
- Forum: Investing - Help with Personal Investments
- Topic: Emergency Fund and TIPS vs. IBonds
- Replies: 8
- Views: 2934
- Mon Sep 05, 2011 1:28 pm
- Forum: Investing - Help with Personal Investments
- Topic: Emergency Fund and TIPS vs. IBonds
- Replies: 8
- Views: 2934
Emergency Fund and TIPS vs. IBonds
I am revisiting the allocation of my Emergency fund (100% in taxable accounts) because I think it is inefficient. I just learned about IBonds which I think will help a great deal. My questions are directly below with more details below the questions: Questions: 1. Is there much value to having TIPS ...
- Fri Jan 01, 2010 11:35 pm
- Forum: Investing - Theory, News & General
- Topic: How much money did you make on your credit cards in 2009?
- Replies: 35
- Views: 4105
Credit Card Savings
I earned about $300 on in rewards from my Visa Card. I don't use that card very much though.
- Thu Nov 06, 2008 7:49 pm
- Forum: Investing - Theory, News & General
- Topic: DFA Founder Gives $300 Million to Chicago School of Business
- Replies: 1
- Views: 951
DFA Founder Gives $300 Million to Chicago School of Business
http://online.wsj.com/article/SB122601317069606639.html?mod=testMod The University of Chicago's business school will get a $300 million boost to its endowment -- and a new name -- from David Booth, an investor who has tried to avoid the limelight until now. Mr. Booth made his money applying concepts...
- Fri Oct 24, 2008 11:37 am
- Forum: Investing - Theory, News & General
- Topic: Tips on answering the question - What Should I Do?
- Replies: 163
- Views: 224922
- Fri Sep 05, 2008 12:25 pm
- Forum: Investing - Theory, News & General
- Topic: Poll 1. How many funds are you invested in? [2008]
- Replies: 28
- Views: 4876
- Fri Sep 05, 2008 12:22 pm
- Forum: Investing - Theory, News & General
- Topic: Survivorship bias in action....2.8 Billion fund closes
- Replies: 8
- Views: 2118
Top hedge funds have offered high returns with low correlations to general markets. These beneficial characteristics are supported by the huge flow of capital to the hedge fund space over the past 10 years. Not all hedge funds are extremely risky, many have lower standard deviations than typical mut...
- Fri Sep 05, 2008 12:16 pm
- Forum: Investing - Theory, News & General
- Topic: How much are you down?
- Replies: 102
- Views: 18574
- Sun Aug 10, 2008 8:50 am
- Forum: Investing - Theory, News & General
- Topic: why is the dow referred to as 'the maket'?
- Replies: 19
- Views: 3479
- Sun Aug 10, 2008 8:48 am
- Forum: Investing - Help with Personal Investments
- Topic: starting a Roth IRA
- Replies: 2
- Views: 990
- Thu Jul 17, 2008 8:14 pm
- Forum: Investing - Theory, News & General
- Topic: SEC to Curb Short Selling - WSJ
- Replies: 35
- Views: 5143
Yeah this rule is kind of complete BS. It isn't really going to do much. It only lasts 7 days. Basically before when shorting you just needed a locate from a broker who had a reasonable assumption that you could actually borrow the shares. Now, you have to have the shares actually borrowed to short ...
- Sat Jul 12, 2008 9:12 pm
- Forum: Investing - Theory, News & General
- Topic: Hedge Fund Millions Reduced to Nothing
- Replies: 30
- Views: 7065
While no mutual fund lost 100%, PBHG, American Heritage and the like came pretty darn close :), but even those mutual funds look respectable when compared to hedge funds. The hedge fund industry (thanks to their massive profitability) has a very formidable PR machine. Touting "absolute returns in a...
- Fri Jul 11, 2008 8:32 pm
- Forum: Investing - Theory, News & General
- Topic: Wisdom of the "Experts"
- Replies: 6
- Views: 2022
- Fri Jul 11, 2008 8:30 pm
- Forum: Investing - Theory, News & General
- Topic: Hedge Fund Millions Reduced to Nothing
- Replies: 30
- Views: 7065
I share many of the feelings echoed that some hedge funds are not wise investments and the fee structure for those funds is not reasonable. The fund featured in this article was highly concentrated, essentially betting in a high risk game. The investors should have been aware of the large potential ...
- Fri Jul 11, 2008 8:22 pm
- Forum: Investing - Theory, News & General
- Topic: career advice
- Replies: 43
- Views: 8060
I am currently interning at a top 40 hedge fund in terms of AUM. First, I think it is important to end up at a fund with a large amount of assets as there are definite economies of scale in this business and talent and investors have been migrating to larger funds more. Second, you have very good cr...
- Fri Jul 11, 2008 7:59 pm
- Forum: Investing - Help with Personal Investments
- Topic: Total ETF Portfolio
- Replies: 18
- Views: 11889
I'm interested in Piper's question too. GWX and SCZ seem more like true indexes than WisdomTree. GWX has a volume of over 100,000 shares and an average market cap portfolio of about 950 million. SCZ has an average mkt cap of about 1,500 million and volume of about 11,000. Although GWX is 19 bps more...
- Fri Jul 11, 2008 7:52 pm
- Forum: Investing - Help with Personal Investments
- Topic: Bear Market
- Replies: 24
- Views: 4936
Like others have said this is a good time to test your ability to stay the course . At my firm, I hear many people saying they are allocating all of their 401k contributions to cash. By staying the course and avoiding the mistake to get out of the market, investors avoid the future mistake of taking...
- Sun Oct 28, 2007 10:52 am
- Forum: Wiki and Reference Library
- Topic: Meet the Vanguard Diehards Bloggers
- Replies: 10
- Views: 23582
I blog at SharpeInvesting.com ( http://www.sharpeinvesting.com/ ). I try to blog about more advanced financial concepts and also more material related to investment banking and other wall street careers. Also, I have really enjoyed reading this forum and have integrated the advice into my own invest...
- Sun Sep 09, 2007 9:10 am
- Forum: Investing - Theory, News & General
- Topic: S&P 500 now head of Berkshire for Last 5 years
- Replies: 12
- Views: 3127
- Tue Aug 28, 2007 5:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Widescreen 24 inch monitor with old 19 inch monitor
- Replies: 19
- Views: 6009
- Fri Aug 17, 2007 1:20 pm
- Forum: Investing - Theory, News & General
- Topic: Buffett, Grantham, Miller, Schiller on the correction
- Replies: 6
- Views: 2655
- Wed Aug 15, 2007 10:49 am
- Forum: Investing - Theory, News & General
- Topic: BACK TO BASICS WITH JACK BOGLE - PILLAR 6
- Replies: 4
- Views: 3243
- Wed Aug 15, 2007 9:07 am
- Forum: Investing - Help with Personal Investments
- Topic: International Taxable Account Fund Choices
- Replies: 3
- Views: 1464
International Taxable Account Fund Choices
I am currently determining how to slice and dice the international component of my portfolio. Currently the international segment of my portfolio is all in a taxable account invested in the vanguard total international stock market index. When I slice and dice my portfolio, I will use a seperate van...
- Wed Aug 15, 2007 9:01 am
- Forum: Investing - Theory, News & General
- Topic: Are the markets making you nervous?
- Replies: 63
- Views: 17695