Search found 2916 matches

by alec
Tue Nov 06, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1570

Re: Actively Managed Bond Funds

Here are Bogle's speeches. The one on bonds I was thinking of is:

Bond Funds: Treadmill to Oblivion?
by alec
Tue Nov 06, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Investments with zero yield
Replies: 41
Views: 3388

Re: Investments with zero yield

In another post, somebody was hollering about wanting high dividend yield, because they think that's the way to supercharged investment returns. (Or something like that.) My question is exactly 180 degrees from that. Does anybody know of some kind of mutual fund/ ETF / UIT / Grantor Trust that pays...
by alec
Tue Nov 06, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1570

Re: Actively Managed Bond Funds

Fidelity has been promoting the active management of Bond Funds/ETF's. Their position is that that investors can find alpha by taking advantage of the expert analysis of active managers. It is interesting to me that by doing this Fidelity is essentially admitting that active management has NOT retu...
by alec
Sun Nov 04, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup: Post-Wedding Pre-Children
Replies: 7
Views: 1170

Re: Financial Checkup: Post-Wedding Pre-Children

Everything looks pretty good. Probably why not many response.

Only advice I’d have is to have one kid to see if u want 4. :D

Also, if you’re in Philly, my parents have a 4 bedroom house in the suburbs they’ll be looking to sell in the next few years.
by alec
Wed Oct 24, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Market buy or limit buy Vanguard ETF?
Replies: 11
Views: 1072

Re: Market buy or limit buy Vanguard ETF?

Hi there, I have some cash and I want to buy some VTI and VEA. Should I market buy or it's nearly never a good choice to market buy? Also if I limit buy, what limit price should I set? Should I just use the price displayed on the brokerage software (robinhood) as the limit buy price? Which one will...
by alec
Sun Oct 21, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?
Replies: 18
Views: 1802

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

Do you understand how the vintage system of TIAA works? Vaguely. I know (now that you remind me) that the interest you get (on each contribution) depends on the time it went in, and the time now. I'd forgotten about that, so good point. My contributions are new. There is that 120 day rule. Do you u...
by alec
Sun Oct 21, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: How long will TIAA Trad (3.5%) stay ahead of the fixed income pack?
Replies: 18
Views: 1802

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

Even without a future bond yields crystal ball, we might still know how TIAA Trad yields might behave as other rates rise. For example, it seems that as rates rise, stable value funds (similar to TIAA Trad) rates barely budge, due to their structure (they hold back some of the increased interest to...
by alec
Sat Oct 20, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)
Replies: 3
Views: 796

Re: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)

I’d be concerned that the fund only holds 84 stocks.
by alec
Sat Oct 13, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1782

Re: Home Depot Stock

Bogleheads, I have a friend who invested in Home Depot stock via its employee stock purchase plan back in 1996. These are common shares; he wasn't high up the food chain. As you can imagine, the modest amount he invested has grown quite a bit since then. I'm helping him simplify and improve his inv...
by alec
Thu Oct 11, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 3987

Re: Anyone here major in Economics in college?

Econ major here. In high school, I was pretty good at math and physics, then did engineering for the first year in college. Didn't like that at all, so switched from the Engineering School to the College of Arts and Crafts. :D Took an intro Econ class my second year and decided I hated Econ less tha...
by alec
Tue Oct 09, 2018 5:55 am
Forum: Investing - Theory, News & General
Topic: Help me understand pro/con of market weighting
Replies: 11
Views: 870

Re: Help me understand pro/con of market weighting

According to MPT, the proper way for a risk-tolerant investor to increase returns beyond 100% risky assets is not to overweight a particular “risky” segment of the market (as that would be violating the CAPM); rather, it is to borrow money to buy more of the full market portfolio. But, on the subje...
by alec
Fri Sep 28, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Lobbying for a bond index fund in employer 401K, approach?
Replies: 9
Views: 865

Re: Lobbying for a bond index fund in employer 401K, approach?

Note that ACITX is more expensive than VIPSX with no outperformance, so this should be any easy argument to switch to a cheaper fund.

Also, you should find out when the Double Line fund was added to your 401k. I’d be willing to bet money it wasn’t until after most of the outperformance.
by alec
Sat Sep 22, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11780

Re: Did you really have something to retire to?

My parents are traveling the world, spending my inheritance.
by alec
Sat Sep 22, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3784

Re: How to get rid of rabbits

KyleAAA wrote:
Sat Sep 22, 2018 9:08 pm
Get a bald eagle or two to nest in your yard.
Nah, just take up falconry.
by alec
Fri Sep 21, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1696

Re: Thinking of selling my car

I imagine you’ll be able to sell that Subaru pretty quickly in the pacific NW.
by alec
Mon Sep 17, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3511

Re: a low grade in a 9th-grade test

My son, now a junior, did this in 9th grade and 10th grade. We talked to him and then talked to the teachers at the quarterly parent/teacher conferences, to which we brought our son. :twisted: He had to figure out how to study, even after rolling his eyes at all my suggestions, all of which he then ...
by alec
Fri Sep 14, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversion)?
Replies: 17
Views: 1425

Re: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversi

I don't have anything substantial to add, but I just want to say thanks for this discussion. My mother turned her portfolio over to me this year upon retiring, and I'm struggling to sort out exactly how to manage her AA and withdrawals. It's one thing to debate theory, but quite another when forced...
by alec
Thu Sep 13, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders
Replies: 20
Views: 5771

Re: Robinhood Is Making Millions Selling Out Their Millennial Customers To High-Frequency Traders

Personally, my own experience seems to be that I am getting more frequent price improvements at Vanguard and Schwab compared to at Merrill Edge. Unless you're doing a lot of trading, your experience is likely subject to small sample size bias. I was in the (un?)fortunate position of having to trade...
by alec
Tue Sep 11, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4778

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

Vanguard now has commission-free trading on 1,800 ETFs, so its not like nothing good is happening there. As a Vanguard mutual fund owner I'm not sure I like that. Who is paying for all this trading? Are enough people buying Vanguard ETFs that they make up the cost of the free trading for all 1,800 ...
by alec
Tue Sep 11, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4778

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

As has been noted many times on this forum before, Vanguard is also losing the fee battle in the solo 401k space, since they've long prevented individuals from holding admiral or ETFs there. This has caused lots of solo 401ks to go to Fidelity instead. I'm likely to move my wife's solo 401k to Fide...
by alec
Sun Sep 09, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5698

Re: Low pay and low stress jobs with health benefit

My wife worked as a library assistant for a year in my daughter's middle school recently. She didn't deal with any parents, but the teachers and principal were easy to work with. The kids were middle schoolers, so anyone that has those knows what they're like, but she's been dealing with my two kids...
by alec
Mon Sep 03, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with next step on investment choices.
Replies: 4
Views: 313

Re: Help with next step on investment choices.

Isn’t FSITX the fidelity equivalent of VBMFX ? If so, use that.
by alec
Wed Aug 29, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare benefit allowance/stipend
Replies: 2
Views: 340

Re: Healthcare benefit allowance/stipend

Can’t hurt to ask I guess.
by alec
Mon Aug 27, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Pension plan details about annuity value
Replies: 11
Views: 731

Re: Pension plan details about annuity value

There are sometimes different HR teams that deal with specific things, like one specifically for retirement benefits. If there’s not one at the former company, ask to speak with the HR people that coordinate with the actuaries that prepare the benefit estimates. Many companies outsource the actuaria...
by alec
Thu Aug 23, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Ladder / Tax Efficient Allocation of New Funds
Replies: 23
Views: 1926

Re: Municipal Bond Ladder / Tax Efficient Allocation of New Funds

The OP is in Virginia. Is your muni ladder just VA munis? If it isn’t, then comparing to a national muni fund (like the Vanguard fund that several posters mention above) isn’t appropriate. You’ll have tax leakage of +/- 15 basis points. Just something to consider. Yes, I'm located in Virginia so th...
by alec
Thu Aug 23, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: Stock options inducing employee sabotage
Replies: 14
Views: 1688

Re: Stock options inducing employee sabotage

The regulators would simply take the people that profited from the decline of the stock, give those names to the company, and quickly find out who did what you suggested.
by alec
Wed Jul 25, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Difference between S&P 500 and. NASDAQ
Replies: 8
Views: 778

Re: Difference between S&P 500 and. NASDAQ

DesertDiva wrote:
Wed Jul 25, 2018 1:56 pm
NASDAQ is a stock exchange - it is smaller than the New York Stock Exchange.
Eh, not so sure about that. Nasdaq looks to have higher share a dollar volume than NYSE.

https://markets.cboe.com/us/equities/market_share/
by alec
Wed Jul 11, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6096

Re: Anyone take naps at work?

We have several wellness rooms with recliners in the basement of our building. I used t take naps during lunch after my kids were born.
by alec
Mon Jun 11, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan- Should I participate
Replies: 8
Views: 786

Re: Cash Balance Plan- Should I participate

oldcomputerguy wrote:
Mon Jun 11, 2018 11:28 am
Forgive my ignorance, but what is a “cash balance plan”? I’m not familiar with the term.
Cash Balance Pension Plans
by alec
Wed May 16, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 7833

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Here's Zvi Bodie earlier this month talking about retirement planning. While he doesn't explicitly mention the separation property, it is definitely the framework he is using in planning for retirement. For the surrogate for the risk-free asset he discusses duration matching with ST & LT TIPS funds...
by alec
Thu May 03, 2018 7:37 am
Forum: Investing - Theory, News & General
Topic: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?
Replies: 114
Views: 7833

Re: NAME for the MPT or CAPM-based diagram with the hyperbola and tangent line?

Question for BobK. Does the risky asset have to be equity? No, but typically the mix of risky assets is mainly equity. Stated differently, could my portfolio choice be risky = total bond, and risk free = TBills? It could be, but that would be unusual. That's true both on the risky asset side and th...
by alec
Fri Apr 27, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on SPACs? [Special Purpose Acquisition Company]
Replies: 5
Views: 642

Re: Thoughts on SPACs?

csm14 wrote:
Wed Apr 25, 2018 9:49 pm
Any thoughts on this as an investment?

http://www.socialcapitalhedosophiaholdi ... index.html
Nope. But u can read the latest 10-k.
by alec
Wed Apr 25, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on SPACs? [Special Purpose Acquisition Company]
Replies: 5
Views: 642

Re: Thoughts on SPACs?

Once the SPACs start trading on an exchange, secondary market, u can buy shares through your broker.
by alec
Sat Apr 21, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help evaluate portfolio & retirement plan
Replies: 5
Views: 809

Re: Help evaluate portfolio & retirement plan

In addition, Blackrock US LC Eqty (0.01) Blackrock US SC Eqty (0.04) Blackrock Non-US Eqty (0.08) Blackrock US Bond (0.04) Hard to beat these four funds in the 401k. If you can (at your tax bracket), you may want to hold as much bonds as possible in the 401(K)'s. You should consider selling the bon...
by alec
Mon Apr 09, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3924

Re: Anyone tried a sunrise alarm clock?

SimonJester wrote:
Mon Apr 09, 2018 12:48 pm
Will it get my teen aged son out of bed in the mornings earlier then 5 minutes before he has to goto school :?:
LOL! I open my teenage son’s door and let the cats jump on him. That and I make him go to bed by 9 pm.
by alec
Wed Apr 04, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Maryland 529 College Investment Plans
Replies: 13
Views: 1879

Re: Maryland 529 College Investment Plans

dcr1984 wrote:
Tue Apr 03, 2018 8:14 pm

(Followup question - is there a dedicated section on the Forum where I can ask regional-specific questions such as this?)

Thanks!
There’s no regional specific forum, but Generally, if you put the state or county in the title of your post, people will see that.
by alec
Mon Apr 02, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 5269

Re: Cleaning up new house before move in—getting rid of “cat smell”

The people before us in our house had two dogs, to which I'm pretty allergic. We: 1. Repainted - wall and ceilings - used the Kilz primer too. 2. Replaced all the carpet (and pads) in the house. 3. Duct cleaning. ... in that order, so really didn't use drop clothes because we were going to replace t...
by alec
Sat Mar 31, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: Why does it seem there are so many bad/poor 401K plans?
Replies: 36
Views: 4938

Re: Why does it seem there are so many bad/poor 401K plans?

Maybe the people in charge, the owners of the company, make most of their money from things besides the 401k plan. Hence, they don’t really care about 18k per year, when they’re making tens or hundreds of thousands per year.
by alec
Thu Mar 29, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds and WSJ article.
Replies: 12
Views: 1693

Re: Muni bonds and WSJ article.

To summarize article in today’WSJ, more and more of city and state budgets are consumed by medicaid and pension obligations. States such as Illinois is bordering on bankruptcy and cities are receiving less funding from states in order to balance their budgets. Does this raise any concern by Bogelhe...
by alec
Tue Mar 27, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 140
Views: 13956

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

Serious question. Is there, in fact, any real body of real-life data on the actual experiences of real retirees who have actually closely followed one or another retirement plan? My preconception is that no, I doubt that there is. Before the 401(k) became really popular, which probably means some t...
by alec
Tue Mar 27, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Employer won't max out 457
Replies: 21
Views: 2178

Re: Employer won't max out 457

Did the OP get the plan document for the 457 plan? That should have any restrictions in it.
by alec
Thu Mar 15, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15747

Re: Large life style creep that was completely worth it

Car with leather heated seats.
by alec
Wed Mar 07, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5446

Re: Colorado Summer Vacation - what to see and where to stay

Thanks for all the great responses. We've decided to stay a few days in Estes Park and mostly in Keystone/Breck area. Cover RMNP with Estes Park as the base; Summit County, Glenwood Springs and Colorado Springs area keeping the Keystone/Breck area as the base. Maybe spend some time in Denver either...
by alec
Fri Mar 02, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Fails In Fixed Income
Replies: 25
Views: 3282

Re: Larry Swedroe: Active Fails In Fixed Income

Hmmm. Vanguard's Tax-Exempt bond funds are actively managed and low cost. Do we really want to index (presumably by random sampling from the very large universe) muni bond investments? Reminds me of a doctor friend who bought individual munis, including some linked to a hospital in New Orleans. Whe...
by alec
Fri Feb 16, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Summer Camps in Maine
Replies: 6
Views: 758

Re: Summer Camps in Maine

I went to a sleep away summer camp in NH for two weeks for 7 summers. It was great, but took a little getting used to for this introvert.
by alec
Mon Feb 12, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity
Replies: 10
Views: 1323

Re: Deferred Income Annuity

jumppilot wrote:
Mon Feb 12, 2018 6:24 pm

Edit to add: When I'm retired I plan on having an annuity covering my expenses. I want that protection.
Then why not invest the money in your 401(k) in bonds and buy a life annuity when you retire with some of the money from the 401(k)/IRA?
by alec
Mon Feb 12, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: New Career with benefits.
Replies: 7
Views: 957

Re: New Career with benefits.

Ive talked to people who say that the target date fund is the best to do, but I also know that index funds tend to do really well with lower fees. I would love some input from everyone! Thanks in advance. Well, the target date funds you have access to are pretty low fee, but not as low as the other...