Search found 323 matches

by NMBob
Thu Jul 02, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Where are people buying UPRO/TMF? I tried purchasing some in my Roth IRA (Vanguard), and it would not allow me to buy leveraged products?! you can buy about everything at schwab, and that includes psldx with a transfer fee. Merrill edge you can buy the leveraged etfs like upro/tmf by direxion and p...
by NMBob
Sun Jun 28, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Has this been compared with using futures? ... there are probably many hundreds of posts talking about using treasury futures to execute the bond side of a leveraged portfolio, if that is what you are asking. some seem to be by posters actually doing it. https://www.bogleheads.org/forum/search.php?...
by NMBob
Sun Jun 21, 2020 11:20 am
Forum: Investing - Theory, News & General
Topic: Etfs that fold up or switch indexes
Replies: 18
Views: 1020

Re: Etfs that fold up or switch indexes

I didn’t like that SCHH schwab U.S. real estate etf switched indexes. I think cell towers are a terrible investment, and they wanted to add those to the index. It seems to be that a decent amount of etfs fold up or switch tracking their index. What’s the point of investing in one of the many ishare...
by NMBob
Wed Jun 17, 2020 12:29 pm
Forum: Personal Investments
Topic: USAA to Charles Schwab - not happy
Replies: 43
Views: 3439

Re: USAA to Charles Schwab - not happy

did you ask schwab if the fee is only one time if you set up an automatic investment with that purchase? I think that used to be the case. edit: likely not the case. only the schwab onesource funds will be free of the fee. I just asked about psldx, pimco stock plus long duration, that also has a tra...
by NMBob
Thu Jun 11, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 275
Views: 25721

Re: Why not 100% PSLDX?

PSLDX is 100% my 401K thru Schwab $50 transaction fee each time i buy (twice monthly), dont like it but better than nothing thanks VJ How much are you buying at a time? That's quite a fee to incur twice a month. You might consider the leveraged ETFs and then buy PSLDX in larger quantities less freq...
by NMBob
Wed Jun 10, 2020 1:15 pm
Forum: Personal Investments
Topic: Monitoring vanguard returns website/software
Replies: 7
Views: 283

Re: Monitoring vanguard returns website/software

quicken can be setup for electronically downloading holding information /transactions. some stuff off google on quicken below. Your FI or bank controls how far back you can download. Most only go back 90 days. The rest you will have to enter manually. You might get a greater range of transactions if...
by NMBob
Fri Jun 05, 2020 4:09 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

interesting note about tqqq and how far from all time high. On the other side, knowing you do not buy that alone, A 55/45 tqqq/tmf portfolio starting jan 2020 through May returned 23 percent while sp500 was down down 5 percent. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&...
by NMBob
Wed Jun 03, 2020 4:25 pm
Forum: Personal Investments
Topic: Optimal Bond Fund
Replies: 39
Views: 3115

Re: Optimal Bond Fund

Long-term Treasuries. They are more likely to reduce portfolio volatility (bond volatility alone does not matter) and to reward long-term investors than any of the rest. yep https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=1972&firstMonth=1&endYe...
by NMBob
Tue Jun 02, 2020 11:47 am
Forum: Personal Investments
Topic: Total Bond Market Index (or VAIPX) for short term cash needs?
Replies: 14
Views: 1545

Re: Total Bond Market Index (or VAIPX) for short term cash needs?

How does one "stay the course" in a short term cash need stated as within the next year??? this situation will depend on the OPs definition of significant loss. vgd total bond fell 6.5 percent in the covid crash. It has recovered most all of that. If you had the 60 days to wait for recover, then it ...
by NMBob
Tue Jun 02, 2020 10:46 am
Forum: Personal Investments
Topic: Total Bond Market Index (or VAIPX) for short term cash needs?
Replies: 14
Views: 1545

Re: Total Bond Market Index (or VAIPX) for short term cash needs?

just be safe with the money. my experience is the bonds are not as safe as references tell you. i have used many things trying to make a little more on safer positioned money. however, tips got hammered during one of the last crisis, probably the great financial crisis. I wound up selling my tip fun...
by NMBob
Sat May 30, 2020 7:43 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 102
Views: 10259

Re: Single Favorite Mutual Fund

AKREX - Akre focus fund. Chuck Akre is one of the extremely few managers that defies the Boglehead philosophies. yep, High fee, and he has well earned every penny he has ever charged while managing FBR Focus fund and then his own Akre Focus fund.
by NMBob
Fri May 29, 2020 1:48 pm
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1514

Re: Pension: Lump Sum vs. Annuity

control of all the money can be a big Con as a opposed to a Pro for many people...
by NMBob
Fri May 15, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I really like this idea of using the vix. Its like the insurance for when the strategy could blow up. I would accept lower returns for that. Is there a link to the backtest you can share. I would like to test 50 sso/50edv and see how it stacks up. I expect lower returns, lower drawdown, but it may ...
by NMBob
Tue May 12, 2020 1:20 pm
Forum: Personal Investments
Topic: ETF choice for short term cash
Replies: 15
Views: 2696

Re: ETF choice for short term cash

I am using gbil - goldman sachs 0-1 year treasury etf. i had several short ultra short etfs and some short munis, seems the fed stuff is the primary one to not drop so much when the $%^& hits the fan. shm vs gbil 2020 https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=...
by NMBob
Wed Apr 29, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Has anyone seriously considered diversifying the stock portion of thus portfolio beyond simply emerging markets and REIT that suffer from particularly bad drawdowns and volatility? Specifically, I’m considering 20/20/20/35/5 of UPRO/ UTSL (utilities)/NEED (consumer staples/TMF/UGLD (gold) The purpo...
by NMBob
Fri Apr 24, 2020 11:01 am
Forum: Personal Investments
Topic: Long Term Treasury
Replies: 48
Views: 2351

Re: Long Term Treasury

long treasuries discussed many times. https://www.bogleheads.org/forum/viewtopic.php?t=287627 First 20% of bonds in long-term Treasuries and leveraged long treasuries in a leveraged portfolio thread will have literally over a thousand posts, and maybe actually many thousands, on basic performance of...
by NMBob
Sat Apr 18, 2020 11:46 pm
Forum: Personal Investments
Topic: How to Implement Treasuries in a Portfolio
Replies: 11
Views: 724

Re: How to Implement Treasuries in a Portfolio

only adding tips does not seem to help protect your stock position that much. tips took a dump in 2008/9 with the stocks. but long treasury bonds shot up eventually and then came back down. chart TIP etf with TLT etf and sp500. I sold off my tip etf or mutual fund because i was losing so much. jan 2...
by NMBob
Sat Apr 18, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2974

Re: Stimulus, get my payment? On the way, now. Why USPS.

yep, ... i have been paid by the government for 38 years. I have monthly direct deposit with 3 different federal government agencies. and have filed direct deposit tax returns with the IRS, so make that a 4th govt agency, except 2018 i had to pay not refund. .... ...Status unavailable.
by NMBob
Sat Apr 18, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2974

Re: Stimulus, get my payment? On the way, now. Why USPS.

"We encourage Americans who did not file a tax return in 2018 or 2019 to use “Non-Filers: Enter Payment Info Here” to submit basic personal information to quickly and securely receive their Economic Impact Payments." So they gave us a tax extension but if we use the extension in 2019 it messes up yo...
by NMBob
Fri Apr 17, 2020 4:27 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74547

Re: Bogleheads community discussion - Coronavirus

i think there is an unproven assumption in some locations, mine being one of them that it is somehow safer to make everyone go to walmart for everything they need, rather than let more local stores open and operate by appointment or curbside. I don't see how shutting down the vacuum cleaner store an...
by NMBob
Fri Apr 17, 2020 3:36 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74547

Re: Bogleheads community discussion - Coronavirus

the story about the lady doctor is ok. But we did put a man on the moon and watched it live over 50 years ago . If they can get some data on reinfections, than perhaps the large number of medical people infected can be turned to an advantage if they are now immune. Maybe in a future similar situatio...
by NMBob
Tue Apr 14, 2020 5:09 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17784

Re: Ponzi Scheme?

ponzi scheme - " His original scheme was based on the legitimate arbitrage of international reply coupons for postage stamps, but he soon began diverting new investors' money to make payments to earlier investors and to himself."
by NMBob
Tue Apr 14, 2020 1:00 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17784

Re: Ponzi Scheme?

1) one ethical question would be, if they have actually already blown the money, then they will go out and steal from someone else to pay you... 2) as posted by ADS, an appropriate investigative agency is the CFTC who ask that suspicions of forex fraud be reported to them. So it seems he does not ne...
by NMBob
Mon Apr 13, 2020 11:44 am
Forum: Personal Investments
Topic: Where to park a house fund?
Replies: 21
Views: 1966

Re: Where to park a house fund?

i have a small bit i am waiting to put back into a house investment deal once we find the house and get it. i do not want to open an account outside my B of america-merrill and schwab accounts.. i may stick some of it in BIL etf. SPDR® Bloomberg Barclays 1-3 Month T-Bill ETF.
by NMBob
Sun Apr 12, 2020 3:56 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17784

Re: Ponzi Scheme?

The federal agency that investigates foreign currency exchange commodity pool trading (which is what you describe) is the Commodity Futures Trading Commission (“CFTC”). Fraud is common in these types of investments, and the CFTC frequently brings enforcement action. Here is a link to a recent enfor...
by NMBob
Sun Apr 12, 2020 1:52 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17784

Re: Ponzi Scheme?

...If your parents can get some of their money now it may be at the point where the scheme has not become so unwieldy for the perpetrator. Maybe they can get some back, even with interest. To move early before the collapse is the way to look at it. ... It didn't work out that way for Madoff victims...
by NMBob
Sat Apr 11, 2020 4:39 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17784

Re: Ponzi Scheme?

"Wow! Tough situation. My son watches a lot of American Greed and this sounds like so many of those cases - trusted community like a church, guaranteed returns, a "friend" of the family." You beat me to it. I was going to say the OP's post is one of the least original posts every, because it sounds ...
by NMBob
Sat Apr 11, 2020 12:54 pm
Forum: Personal Investments
Topic: "Safe" funds needed for RMD's??
Replies: 9
Views: 690

Re: "Safe" funds needed for RMD's??

i have moved some bond money from short high quality corporate and munis to treasuries. 13 / 14 percent drops , although now a majority of that recovered, is not something i envisioned. And, it is hard not to wonder about the current lack of tax revenue in my state and city due to business shut down...
by NMBob
Fri Apr 10, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 142
Views: 9745

Re: RMDs May Not Be Required for 2020

Knowing something is possible, and not decided , does seem to be relevant information in setting decision timelines. Thanks for only locking the post and not removing it. My mother had asked about not making some sales in her ira for rmd while the market is so low. Then i saw this thread that also m...
by NMBob
Fri Apr 10, 2020 11:58 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74547

Re: Bogleheads community discussion - Coronavirus

"Really, the only comparable metrics that are reasonably sure are the speed of the spread of severe symptoms, the overloading of the medical system, and the rate of deaths. stories now questioning the rate of death. did some folks die from corona virus or die with corona virus? An example, one video...
by NMBob
Mon Apr 06, 2020 11:56 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 26
Views: 3189

Re: Best TLH partner for Total Stock Market (VTSAX)?

Using this thread to ask a TLH question: If I TLH from VLCAX to VTSAX and within 30 day period also buy VFIAX, would that be considered as a wash sale? I think another way to ask this - are VLCAX and VFIAX considered substantially identical? no. this is discussed many times in other threads. no one...
by NMBob
Mon Apr 06, 2020 4:36 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12654

Re: I am a Massive Loser

you have a million bucks and an emergency fund. congratulations. there is a ton of success in that.
by NMBob
Sun Apr 05, 2020 11:33 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74547

Re: Bogleheads community discussion - Coronavirus

initial data on hydroxychloroquine from china study that has a control group.

https://www.contagionlive.com/news/resu ... or-covid19
by NMBob
Sun Apr 05, 2020 6:19 pm
Forum: Personal Investments
Topic: Easy Schwab question
Replies: 12
Views: 816

Re: Easy Schwab question

I am pretty sure you have to manually transfer the money from your schwab checking account into the schwab brokerage account in order to spend it on stock and mutual funds. I have had 59 cents sitting in the checking account for like 8 years and it has never pulled it out to help fund any of my buys...
by NMBob
Wed Apr 01, 2020 11:43 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I dont want to rebalance now. I feel like we are only in the beginning of a crash. I may rebalance to 40/60 Upro/Tmf instead of back to 55/45...someone talk some sense into me. I may allow myself latitude going forward to move between 55/45 and 40/60 at rebalance time based on the market (and my du...
by NMBob
Sun Mar 29, 2020 3:41 pm
Forum: Personal Investments
Topic: Stopping 92 yo Mom's RMD- & Change to Annuity WD
Replies: 7
Views: 542

Re: Stopping 92 yo Mom's RMD- & Change to Annuity WD

with a huge holding in total bond it seems that is not something one could have with also having their glwb rider. - guaranteed lifetime withdrawal benefit - ...................but just make sure you know if that is an option or not. best wishes. https://personal.vanguard.com/vvap/Pdf/z008.pdf?22101...
by NMBob
Fri Mar 27, 2020 1:52 pm
Forum: Personal Investments
Topic: [Which brokerage for leveraged ETFs?]
Replies: 15
Views: 442

Re: [Which brokerage for leveraged ETFs?]

schwab over merrill edge. edge will not let me buy ntsx wisdom tree 90/60 , but i can buy tqqq, upro and tmf lol......
by NMBob
Tue Mar 24, 2020 10:54 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193847

Re: Bogleheads community discussion - Coronavirus

so what is up with gov cuomo. he talks as if there is no such thing as government no bid contracts which happen very frequently, which then could have an amount of money and a payment schedule to support a factory transformation in the contract.
by NMBob
Mon Mar 23, 2020 10:52 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193847

Re: Bogleheads community discussion - Coronavirus

the country is going back to work at the end of the 15 days. this may not be everywhere, but it will be many places. The white house and and governor of ny saying the same thing on the same day is not just coincidence. also the same time they say in the white house briefing the mortality is less tha...
by NMBob
Mon Mar 23, 2020 11:18 am
Forum: Personal Investments
Topic: I can not do a sell on Schwab
Replies: 14
Views: 939

Re: I can not do a sell on Schwab

i have sold and bought on schwab this am.
by NMBob
Sun Mar 22, 2020 11:14 pm
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 245
Views: 23970

Re: Unprepared for Potential Great Depression Part 2

the key to my mom surviving the great depression follows. Her family had a very large garden. they had a cow my mom or her sister milked daily. they had a relative with a farm they could get meat from.
by NMBob
Sun Mar 22, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13404

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

I’m pretty surprised. The * timing * of large stimulus to get $$ to support small businesses and laid off hourly workers is clearly important, not just that it eventually occurs. I’d think everyone would know that time is of the essence, and act accordingly. i simply do not believe any movement in ...
by NMBob
Sun Mar 22, 2020 5:40 pm
Forum: Personal Investments
Topic: Muni versus Treasury Question
Replies: 25
Views: 1202

Re: Muni versus Treasury Question

Long term bonds, including treasuries historically have a higher correlation in price with equities than intermediate bonds ..... i always thought it was long treasuries as the least correlated. Especially with hedgefundies excellent adventure lol....if you run portfolio visualizer for mid and long...
by NMBob
Sat Mar 21, 2020 9:56 pm
Forum: Personal Investments
Topic: Tax reporting for SGOL & IAU in taxable account
Replies: 9
Views: 308

Re: Tax reporting for SGOL & IAU in taxable account

i suggest you contact the gold etf company and see if they, or perhaps it is boston financial data services they use, will issue you a 1099b. perhaps the same as some others issue k1s to you even though you hold it at a brokerage. but many times you have to go get the k1, they often don't just send ...
by NMBob
Sat Mar 21, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: 'Black swan' & Alternative funds YTD & since the market high
Replies: 55
Views: 3441

Re: 'Black swan' & Alternative funds YTD & since the market high

you gotta kiss a lot of frogs to then find the one that actually works, and that one may be dumb luck.
by NMBob
Sat Mar 21, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

After today’s action I am officially below where I started the Excellent Adventure 13 months ago. $99k at 50/50. I have my hand firmly on the ship’s wheel, staring down into the abyss. Whatever may come, I shall stay the course! well captain, your basic concept seems to be working so far for my bas...
by NMBob
Sat Mar 21, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475220

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I posted this before but I don’t think anyone saw it. Has anyone considered tax loss harvesting upro with tqqq? (In taxable account) yes, i am on my way to tax harvesting a victory garden on the tax form side. hopefully that is not all i will have left. as someone posted, spxl can swap for upro. th...