Search found 3086 matches

by CyberBob
Sun Aug 12, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund
Replies: 9
Views: 1175

Re: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund

spdoublebass wrote:
Thu Aug 09, 2018 9:19 pm
I thought this new fund was going to be a compliment to Total World stock fund.
That’s another fund that’s global credit and government.
viewtopic.php?t=249955
by CyberBob
Tue Aug 07, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 204
Views: 18858

Re: Vanguard to offer non-Vanguard ETFs commission-free

Anyone know when Vanguard is going to do commission free etf trades. Just re-opened my vanguard account and was disappointed to still see $7 trades. Vanguard ETF’s are commission-free now. The rest will be in ‘August’ according to their news release. https://investornews.vanguard/coming-in-august-t...
by CyberBob
Sat Aug 04, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: The stock market is shrinking.
Replies: 68
Views: 7249

Re: The stock market is shrinking.

According to a Vanguard paper, the shrinking number of companies is due to micro-caps. And a lot of their delistings are simply mergers. Basically not a big deal. From the article: Despite the drop in the number of publicly listed companies, there appear to be few, if any, implications for investors...
by CyberBob
Wed Aug 01, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Forbes: Using Just 2 Inexpensive Funds To Build Your Long-Term Portfolio
Replies: 1
Views: 511

Re: Forbes: Using Just 2 Inexpensive Funds To Build Your Long-Term Portfolio

The two funds are Vanguard Total World Stock (VT) and Vanguard Total Bond (BND).

Total Bond is picked because the article mentions that there aren’t any good world bond funds available. But, the new Vanguard Total World Bond ETF may be out as early as next week.
by CyberBob
Mon Jul 30, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: 1 year treasuries @ 2.4% instead of bond funds?
Replies: 32
Views: 3598

Re: 1 year treasuries @ 2.4% instead of bond funds?

It’s interesting to note that William Bengen, who started all of the 4% safe-withdrawal research said that the safe withdrawal numbers didn't change if you replaced bonds with cash (1 year T-bills).
by CyberBob
Sun Jul 22, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

The 21 number is for the All-World ex-us index, which is large and mid-cap only. Doing the subtraction from the Global index series gets you small-cap too, and so is a more complete number. I realize I was using the wrong index. But just so I understand, why do you have to subtract it from the Glob...
by CyberBob
Sun Jul 22, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

I agree with everything above except the Global all cap ex US. I found that number to be 21,532,624 In your link it shows the global number as 51,639,835 and the US as 27,505,578 51,639,835 - 27,505,578 = 24,134,257 Where did you get the 21,532,624 number? Ok. First, you do not have to subtract any...
by CyberBob
Sun Jul 22, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

The June 2018 end-of-quarter numbers are out for the indexes that Sharpe mentions in the video. So to keep the portfolio allocations up-to-date for anyone who is interested, here are the numbers (in millions of USD): 27,900,058 - US stocks - CRSP US Total Market Index 23,739,777 - ex US stocks - FTS...
by CyberBob
Tue Jul 17, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 27
Views: 2331

Re: Paper tax return filed at deadline - still no refund 7 weeks later

jacoavlu wrote:
Thu Jun 21, 2018 7:27 am
I suppose the interest is taxable. :wink:
Yep. I got a 1099 form from them two years ago for interest. It was weird putting that on my 1040 Schedule B...Name of Payer: IRS.
by CyberBob
Mon Jul 16, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Pulling past Vanguard Annual Reports
Replies: 3
Views: 198

Re: Pulling past Vanguard Annual Reports

For easier access, the wiki has a page with links to SEC filings:
https://www.bogleheads.org/wiki/Vanguard_SEC_listings
by CyberBob
Mon Jul 16, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Pulling past Vanguard Annual Reports
Replies: 3
Views: 198

Re: Pulling past Vanguard Annual Reports

The SEC has them all. Annual reports are N-CSR. Semiannual are N-CSRS.
Scroll down, as the Star fund is shown first, and then Lifestrategy, and then Total International.
https://www.sec.gov/cgi-bin/browse-edga ... cd=filings
by CyberBob
Thu Jun 21, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 68
Views: 5258

Re: "Never time the market" vs. lump sum investment

Although it's not a black-and-white answer, I always like William Sharpe's view on the question: The equities market is around an all-time high. Should future retirees buy in now or wait for it to get cheaper? I wish I knew whether in a year, we will look back and say that the current level of the m...
by CyberBob
Sun May 27, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 13648

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

There isn't a single efficient frontier for the entire world. Investors seek to optimize real, after-tax returns in their home currency. Since each country has its own inflation rate, its own tax laws, and its own currency, each country also has its own efficient frontier. Perhaps instead of adopti...
by CyberBob
Mon May 21, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

With the announcement from Vanguard about their new Total World Bond ETF , Sharpe's preferred portfolio should get easier to implement. So, with the two big indexes currently having these market caps: FTSE Global All-Cap stock index: $51,878,881 million USD FTSE World Broad Investment-Grade Bond Ind...
by CyberBob
Wed May 16, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE book recommendation request.
Replies: 17
Views: 1225

Re: FIRE book recommendation request.

Work Less, Live More by Bob Clyatt
by CyberBob
Mon May 14, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2172

Re: Military Retirement Direct Depost hijacked?

Have you checked the MyPay section of the Defense Finance and Accounting Service?
https://mypay.dfas.mil
by CyberBob
Fri May 11, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: FSRPX - Fidelity Select Retailing - dropped 90% today???
Replies: 11
Views: 4117

Re: FSRPX - Fidelity Select Retailing - dropped 90% today???

Effective after the close of business on May 11th, 2018, Fidelity will execute a 10-for-1 share split on each Class of the Fund. As a result of the split, the number of outstanding shares has been multiplied by 10, with a proportionate decrease in the Net Asset Value (NAV) per share.
by CyberBob
Sat Apr 21, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1909

Re: Best Way to Decline an International Job Assignment

Any advice on how to tactfully decline an international job assignment? Consider not declining. Think of it as your employer paying for you to travel the world. Mine did, and it was a great experience. Another benefit that I found was that since I was willing to travel, I became indispensable to th...
by CyberBob
Sat Apr 21, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

The March 2018 end-of-quarter numbers are out for the indexes that Sharpe mentions in the video. So to keep the portfolio allocations up-to-date for anyone who is interested, here are the numbers (in millions of USD): 27,139,040 - US stocks - CRSP US Total Market Index 24,838,130 - ex US stocks - FT...
by CyberBob
Tue Apr 10, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Will VTWSX expense ratio go down in the future
Replies: 6
Views: 1159

Re: Will VTWSX expense ratio go down in the future

It's been in a steady downtrend.
The prospectus in 2008 lists the expense ratio as 0.45%, with a purchase fee of 0.15%.
Today the expense ratio is 0.19%.
by CyberBob
Sat Mar 31, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 10427

Re: William Bernstein: Retirement Investing and Spending in two easy steps

...So at that point we are supposed to have no stock exposure at all? For the Liability Matching Portfolio only. Bernstein talks about two portfolios: a Liability Matching Portfolio and a Risk Portfolio. Liability Matching Portfolio usually being described as: Residual *basic* living expenses (afte...
by CyberBob
Tue Mar 27, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone list all the benefits of "FRA" ? [vs taking SS one month before FRA]
Replies: 12
Views: 1187

Re: Can someone list all the benefits of "FRA" ? [vs taking SS one month before FRA]

The magic ‘full retirement age’ is important because if you take Social Security benefits before FRA, and you earn income in excess of the annual earnings limit, your Social Security benefit will be reduced. Once you reach FRA, you can earn as much as you like and your Social Security benefit will n...
by CyberBob
Sun Mar 11, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing Fidelity Investments to Index
Replies: 18
Views: 1397

Re: Comparing Fidelity Investments to Index

Along the top of the home page there should be a tab called "performance". This will allow you to compare your performance against any number of indexes of your choosing for a variety of time periods. If their account is being managed by a third-party advisor, this tab, unfortunately and ridiculous...
by CyberBob
Sun Mar 11, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds Changed again?
Replies: 12
Views: 2250

Re: Target Date Funds Changed again?

I just noticed the Target Date Funds once again changed their asset allocation. I only checked because my daughter is now in one of these funds through her 403b. I was kind of shocked to see they changed the Target Date Fund 2030 Fund from 65/35 stocks bonds to 75/25 stocks bonds... Is her 403b rep...
by CyberBob
Fri Feb 16, 2018 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 25247

Re: Torn between Vanguard, Fidelity and Schwab

The $25 Vanguard fee per fund being talked about does exist for SIMPLE IRA’s. https://investor.vanguard.com/what-we-offer/small-business/simple-ira As for which brokerage, I find Fidelity attractive because you can consolidate brokerage, banking, and credit card all in one. Schwab also has nice bank...
by CyberBob
Sat Feb 03, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: brokerage sweep accounts
Replies: 18
Views: 1492

Re: brokerage sweep accounts

The default options at Fidelity and Vanguard aren’t designed to hose the individual. They are in response to the new rules regarding money-market funds. For example, a ‘prime’ money-market is subject to possible holds during times of distress, whereas a treasury fund is not, which is the reason for ...
by CyberBob
Thu Feb 01, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

You'll notice that Bob's AA entries are rounded, but Sharpe carries the AA percentages out to two decimal points. So I think Sharpe leans toward precision and always doing the quarterly exchanges. Yeah, I'll have to stop rounding, because you're absolutely right about Sharpe's precision. In fact, i...
by CyberBob
Wed Jan 31, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

The December 2017 end-of-year numbers are out for the indexes that Sharpe mentions in the video. So to keep the portfolio allocations up-to-date for anyone who is interested, here are the numbers (in millions of USD): 27,452,976 - US stocks - CRSP US Total Market Index 25,022,106 - ex US stocks - FT...
by CyberBob
Thu Jan 04, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: New Investing Book Recommendation
Replies: 2
Views: 439

Re: New Investing Book Recommendation

Read Bernstein’s If You Can (short, easy read, and free - but worth its weight in gold). It references several other books that are all great.

http://efficientfrontier.com/ef/0adhoc/2books.htm
by CyberBob
Sun Dec 24, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card fraudulent charge - How could this happen?
Replies: 13
Views: 2029

Re: Credit card fraudulent charge - How could this happen?

...Good things there are federal laws that protect you in the case of credit card fraud. You don't have the same protections with debit cards. According to the law, the Electronic Funds Transfer Act (EFTA), Electronic Fund Transfers (Regulation E) Section 1005.6 Liability of Consumer for Unauthoriz...
by CyberBob
Thu Nov 30, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 3365

Re: Don't leave your mac unattended! It has zero security now.

CULater wrote:
Wed Nov 29, 2017 11:31 pm
Just got a security update for my High Sierra that came with instructions to install it immediately. I suppose this was the fix.
Yep, it's fixed: https://support.apple.com/en-us/HT208315
by CyberBob
Sun Nov 26, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: full spectrum lighting for SAD?
Replies: 7
Views: 570

Re: full spectrum lighting for SAD?

When I used to live in northern Alaska, GE Reveal bulbs were popular.
by CyberBob
Fri Nov 24, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to liquidate Wealthfront
Replies: 32
Views: 5209

Re: Best way to liquidate Wealthfront

If you do transfer in-kind and have to sell them yourself, both Fidelity and Schwab have offers of 500 free trades good for 2 years.

https://rewards.fidelity.com/offers/ATP500free

https://www.schwab.com/public/schwab/ac ... ffer2.html
by CyberBob
Wed Nov 22, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 31046

Re: Why not take Social Security at 62

Financial guru Bill Bernstein had an interesting answer to the Social Security now/then question: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you want...
by CyberBob
Mon Nov 20, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: What percentage of your annual expenditures are you targeting for travel once you are retired?
Replies: 19
Views: 1659

Re: What percentage of your annual expenditures are you targeting for travel once you are retired?

Zero. This might be heresy as most seem to think that travel is part of retirement, but I did travel a lot including internationally when I worked. I do not like to travel, I do not like hotels, and i do not like to pack. I like my own bed. Now I have traveled zero days in my 1 year of retirement. ...
by CyberBob
Sun Nov 12, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 3240

Re: Better way to get rid of old fridge?

How about your electric company?
Mine promotes the energy efficiency of new appliances by offering to take old refrigerators and pay you $75.

https://www.firstenergycorp.com/save_en ... #gsc.tab=0
by CyberBob
Sat Nov 11, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 4711

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Waiting til Black Friday to purchase, and going back and forth between G5 plus and G5s Plus due to software update support and possible future support. I believe the G5s got the most recent update, but the G5 has not. They're both getting Android 8 Oreo upgrade https://blog.motorola.com/2017/09/14/...
by CyberBob
Tue Oct 31, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Navy Federal Financial Group Launches EasyStart® Investor
Replies: 1
Views: 1718

Re: Navy Federal Financial Group Launches EasyStart® Investor

The Navy Federal site doesn't seem to mention it directly, but apparently it's Folio Investing in the background

http://www.businesswire.com/news/home/2 ... -Investing
by CyberBob
Sun Oct 29, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: What’s a safe formula for assets needed to retire?
Replies: 58
Views: 5716

Re: What’s a safe formula for assets needed to retire?

From Bill Bernstein's book If You Can : The name of the game is to accumulate around 12 years of living expenses, which, combined with Social Security, should provide for a reasonable retirement. How did I arrive at 12 years of living expenses? The average person needs to accumulate about twenty-fiv...
by CyberBob
Sat Oct 28, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Bogle has a forecast...
Replies: 19
Views: 4747

Re: Bogle has a forecast...

Thanks for the link. Great video. Should be watched often. Reminder to keep costs as low as possible. So, time to dump all active managed funds in one's portfolio? :shock: Including the venerable Wellesley/Wellington twins? :shock: In an Investor's Business Daily interview, Jack Bogle seems to say ...
by CyberBob
Sat Oct 28, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1759

Re: Sagestream freeze

Sagestream? Who the heck is that? Their website seems very fraud-y to me. A freeze mentions mailing them things like a current bank statement, a voided check, a copy of your social security card, etc. They must be joking. Further research and an L.A. Time article indicates their parent company is ow...
by CyberBob
Sat Oct 28, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Market Crash Defensive Portfolio
Replies: 30
Views: 4841

Re: Market Crash Defensive Portfolio

Fellow Boglehead longinvest has what I always considered an excellent, conservative Canadian-based investment portfolio. As he describes it: Lifelong Portfolio: 25% each of (domestic/international) stocks/(nominal/inflation-indexed) bonds VCN - Canada all-cap stock index VXC - Global all-cap ex-Cana...
by CyberBob
Tue Oct 24, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: TrevH's 4 Fund Portfolio
Replies: 6
Views: 1372

Re: TrevH's 4 Fund Portfolio

Does anyone have data on returns for this 4 Fund Portfolio? The MarketWatch site that tracks the "lazy portfolios" shows the lazy "Ultimate Buy and Hold" portfolio hasn't been doing very well over the last 3, 5, and 10 years ( http://www.marketwatch.com/lazyportfolio ) https://www.portfoliovisualiz...
by CyberBob
Fri Oct 20, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 2101

Re: Drawback of TOTP (app like Google Authenticator)?

Ketawa wrote:
Fri Oct 20, 2017 11:54 am
...My main concern has been what I would do if I lost my phone with Authenticator, since there isn't any native support for backup.
Google backup codes
by CyberBob
Fri Oct 20, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 119
Views: 24655

Re: Bill Sharpe's preferred portfolio

The September 30, end-of-quarter numbers are out. The total market-caps all went up, but the overall allocation percentages are still the same at 30/27/22/21. September 30 numbers in red. I'll update the wiki too when I get a minute. The June 30 end-of-quarter numbers are out for the indexes that Sh...
by CyberBob
Wed Oct 18, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12596

Re: Anyone planning on getting the new Pixel phone?

How about a new Moto G5S Plus? 5.5 inch screen, $349 with 4GB RAM and 64GB storage. I lucked out and got one of the 4/64GB versions on sale at Newegg for $299. A killer deal! :moneybag I did look at this one online, definitely a good buy for sure. But I find that unlocked Motorola phones are very s...
by CyberBob
Sat Oct 07, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: VFITX, VBIIX or VBMFX for Swensen portfolio?
Replies: 5
Views: 873

Re: VFITX, VBIIX or VBMFX for Swensen portfolio?

If you read his book Unconventional Success or Pioneering Portfolio Management , you'll see he definitely recommends pure treasury. Somebody emailed him a few years back and he responded that you should match the duration of the overall treasury market. VFITX would get you pretty close (although it'...
by CyberBob
Tue Sep 26, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 15104

Re: The Rolex and The Boglehead

How many Bogleheads out there own and wear a Rolex (or similar)? Those that do, any regrets? I'd like to one day own a nice watch but for right now I just admire them all. DW might not ever sign off on a watch that expensive but still I'm curious what other Bogleheads have to say. If you're looking...