Bogleheads.org

CyberBob

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...

CyberBob

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...

CyberBob

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...

CyberBob

Work Less, Live More by Bob Clyatt

CyberBob

100% qualified for 2017
https://personal.vanguard.com/us/insigh ... ncome-2017

CyberBob

Have you checked the MyPay section of the Defense Finance and Accounting Service?
https://mypay.dfas.mil

CyberBob

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.

CyberBob

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...

CyberBob

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...

CyberBob

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%.

CyberBob

...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...

CyberBob

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...

CyberBob

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...

CyberBob

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...

CyberBob

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...

CyberBob

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 ...

CyberBob

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...

CyberBob

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...

CyberBob

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

CyberBob

...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...

CyberBob

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

CyberBob

When I used to live in northern Alaska, GE Reveal bulbs were popular.

CyberBob

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

CyberBob

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...

CyberBob

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. ...

CyberBob

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

CyberBob

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/...

CyberBob

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

CyberBob

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...

CyberBob

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 ...

CyberBob

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...

CyberBob

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...

CyberBob

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...

CyberBob

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

CyberBob

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...

CyberBob

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...

CyberBob

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'...

CyberBob

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...

CyberBob

The camera works really well and takes fast pictures. With my previous phones, I had a lot of missed opportunities trying to take pictures in a hurry with my young child but I've had great success taking clear pictures in a pinch with the G5. I love the double wrist-twist gesture to go to camera mo...

CyberBob

DanMahowny wrote: ↑
Fri Sep 22, 2017 1:02 pm
42

Same for me.

DanMahowny wrote: ↑
Fri Sep 22, 2017 1:02 pm
Net worth tripled since then too.

Also same for me. We're Boglehead twins

CyberBob

Does your PDF document have to stay in PDF?
If not, convert it to Kindle format by emailing it to your kindle using the Send to Kindle convert function. Once you do that, you can change font sizes and such just like any normal Kindle book.

CyberBob

Here's the full list.
Total Stock declaration date is September 20.
https://investornews.vanguard/find-out- ... his-month/

CyberBob

I always find looking at the web server logs amusing. Just last week I was getting a lot of probes from a purported Chinese IP address. They were looking for a vulnerability in a particular contact-manager program. It seems that whoever was looking isn't too sophisticated, because not only do I not ...

CyberBob

Hi Fidelity www listed below for International Index funds, which fund is the equivalent to VG VTIAX? 1) FSPNX - Fidelity® International Index Fund - Institutional Class - https://fundresearch.fidelity.com/mutual-funds/summary/315911735 FSIVX - Fidelity® International Index Fund - Premium Developed...

CyberBob

It's often discussed that you don't need much of an ex-US stock allocation since the large U.S. companies are all international and get a significant part of their revenue from outside the U.S. So it's interesting that iShares is debuting a 'Pure' U.S. revenue ETF that consists of companies that do ...

CyberBob

That's a great idea that we should keep up-to-date on Sharpe's allocation. Maybe we should add it to the wiki. It looks like your numbers from the spreadsheet are as follows: CRSP U.S: $25,089,806.00 FTSE All-World ex U.S.: $20,585,441.00 Citi: USBIG: $18,860,820.00 Citi: WorldBIG - USBIG: $18,373,2...

CyberBob

For anyone interested, here's Graham's entire 1963 speech Securities in an Insecure World.

CyberBob

triceratop wrote:...pure treasury funds from iShares...

That's probably the reason for the change. Vanguard's current treasury funds aren't indexed and don't have ETF shares. After this benchmark change, Vanguard will have pure treasury ETF's to compete with that big iShares volume.

CyberBob

Here are a couple of rebalancing calculators that are pretty cool:

https://www.bee-man.us/finance/portfolio_rebalance.htm
http://optimalrebalancing.tk

CyberBob

In my cash management account I use SPRXX -- Fidelity Money Market. The current yield is 0.96%. They liquidate it at the end of each day to reconcile debits in the account. Isn't the FDIC-insured deposit sweep account your core position for the cash account? How do you get an automatic draw from SP...

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