Search found 544 matches

by GreatOdinsRaven
Thu Dec 05, 2019 6:10 am
Forum: Investing - Theory, News & General
Topic: Rotate purchases of tax loss harvesting partners?
Replies: 16
Views: 796

Re: Rotate purchases of tax loss harvesting partners?

The simplest and most efficient TLH strategy involves 2 partner funds (eg VTI/ITOT). I’m surprised no one suggested that these TLH partners could be viewed as substantially identical. Although they follow different indexes (ITOT follows S&P Total Market Index (TMI) with 3556 stocks and VTI follows ...
by GreatOdinsRaven
Fri Oct 11, 2019 9:37 pm
Forum: Investing - Theory, News & General
Topic: Google Sheets No Longer Pulling Money Market Fund Info
Replies: 1
Views: 393

Google Sheets No Longer Pulling Money Market Fund Info

I use Google Sheets to follow my portfolio and it scrapes the Morningstar page to pull mutual fund prices. It stopped working for my Vanguard money market funds, but still works for my ETFs and non-money market mutual funds. Would anyone be able to help me out and show me what's broken in my formula...
by GreatOdinsRaven
Mon Oct 07, 2019 11:32 pm
Forum: Investing - Theory, News & General
Topic: Chris Mamula: October Bogleheads on Investing podcast guest.
Replies: 4
Views: 1143

Re: Chris Mamula: October Bogleheads on Investing podcast guest.

Rick, I have two questions: 1. How does one plan for health insurance costs in the RE phase of FIRE? Seems black box and very expensive. How much should be earmarked for health insurance per year, by decade before Medicare kicks in? 2. It would seem the younger one is at retirement the greater the r...
by GreatOdinsRaven
Thu Sep 12, 2019 9:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 51
Views: 8742

Re: Vanguard Flagship Services -- Another One Bites the Dust

I moved about 14M from Vanguard to Schwab for one basic reason...I cant wait 20-30 minutes on a phone to talk with someone...and I also turned boglehead and went with may fewer funds...and will be at 3 funds once the tax dust settles and all...service is king to me. It’s sad that the Flagship progr...
by GreatOdinsRaven
Sun Mar 03, 2019 11:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 64648

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I for one would happily pay a reasonable fee, say $50-$100 per year, to keep the Advantage service and avoid the unnecessary complication of adding yet one or two more cogs into my financial life. Further, the Vanguard Federal MMF rate is 30-40 bp higher than that offered at Fido and CapitalOne, so...
by GreatOdinsRaven
Sat Feb 02, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: A Tale Of 3 Small Value Funds
Replies: 39
Views: 3924

Re: Larry Swedroe: A Tale Of 3 Small Value Funds

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&endDate=02%2F01%2F2019&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&...
by GreatOdinsRaven
Sat Feb 02, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: A Tale Of 3 Small Value Funds
Replies: 39
Views: 3924

Re: Larry Swedroe: A Tale Of 3 Small Value Funds

Mr. Swedroe adds: While VISVX has an expense ratio of 0.19% (their Admiral shares version costs just 0.07%) and DFSVX has an expense ratio of 0.52%, the higher costs of the Dimensional fund have been more than offset by their greater exposure to the size and value factors and their focus on adding ...
by GreatOdinsRaven
Wed Jan 02, 2019 10:13 pm
Forum: Investing - Theory, News & General
Topic: Gus Sauter: the next "Bogleheads on Investing" podcast guest
Replies: 28
Views: 2741

Re: Gus Sauter: the next "Bogleheads on Investing" podcast guest

Gus, I've heard you speak at Bogleheads several times and I always enjoy it. Highlight of the meeting. What I've never understood is how to reconcile your thoughts on smart beta investing (which I assume to mean value, quality, momentum, etc) versus your experience running the Quant Group at Vanguar...
by GreatOdinsRaven
Sun Dec 30, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: UTMA [Uniform Transfers to Minors Act]
Replies: 12
Views: 922

Re: UTMA [Uniform Transfers to Minors Act]

The question I just thought of. What is advantage of the UTMA if you have to worry about kittie taxes, capital gains, dividend act. Would it be better for someone to just put the funds in the childs name and fund it? Except that the child can't touch it until 21 (Florida) In Florida there is the po...
by GreatOdinsRaven
Wed Nov 21, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Private Credit Performance
Replies: 7
Views: 751

Re: Larry Swedroe: Private Credit Performance

It will be interesting to watch how this product performs over the years- just like it’s been interesting to watch how managed futures (AQMIX), the AQR style premia product QSPIX/QSPRX, and the reinsurance product SRRIX have performed. So far LENDX has done well. I encourage everyone to look at the...
by GreatOdinsRaven
Wed Nov 21, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Private Credit Performance
Replies: 7
Views: 751

Re: Larry Swedroe: Private Credit Performance

It will be interesting to watch how this product performs over the years- just like it’s been interesting to watch how managed futures (AQMIX), the AQR style premia product QSPIX/QSPRX, and the reinsurance product SRRIX have performed. So far LENDX has done well. I encourage everyone to look at the ...
by GreatOdinsRaven
Wed Nov 21, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Private Credit Performance
Replies: 7
Views: 751

Re: Larry Swedroe: Private Credit Performance

What do they benchmark against?

*edit*
The Barclays High Yield Bond Index.
by GreatOdinsRaven
Mon Oct 22, 2018 5:42 am
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 103
Views: 6805

Re: DFA small value... acitve management?

I believe DFA is totally passive. They define a segment of the market with specific rules: size by market cap and price by book to market (I believe they still only use one metric because they believe it is the most stable one). They access the SV segment with a passive rules based market cap weigh...
by GreatOdinsRaven
Thu Aug 16, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117705

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=2&startYear=2000&endYear=2009&initialAmount=2000000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&portfolio1=Custom&portfolio2=Custom&portfolio3=Custom&TotalSt...
by GreatOdinsRaven
Mon Aug 06, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Are REITs Trading At A Discount to NAV?
Replies: 3
Views: 572

Re: Are REITs Trading At A Discount to NAV?

I believe that it was just written. Dan Rasmussen just sent a link to it on how Twitter account.
by GreatOdinsRaven
Mon Aug 06, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Are REITs Trading At A Discount to NAV?
Replies: 3
Views: 572

Are REITs Trading At A Discount to NAV?

I was just reading a recent Verdad piece on “The Long Lasting Value Of Real Estate. https://mailchi.mp/verdadcap/the-lasting-value-of-real-estate?e=199b14d48d It’s an interesting article that discusses the performance of public REITs relative to private REITS, large-caps, small-caps and SCV. Near th...
by GreatOdinsRaven
Mon Jul 02, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 17150

Re: Google sheets not pulling stock prices

Is there a way I can scrape the M* page for the price of VMMXX and use that instead of Google finance? And if so, what would the formula be? The URL to the data you need is: http://quotes.morningstar.com/fund/c-header?t=VMMXX However, I haven't figured out how to parse out the Nav Price using index...
by GreatOdinsRaven
Sat Jun 30, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 17150

Re: Google sheets not pulling stock prices

I've had similar issues with google sheets not being able to pull quotes for ETFs and mutual funds over the past year and a half or so. Usually, I'll report the issue via the Google Issue Tracker and it will be repaired within a week. Most recently (about two weeks ago) I noticed that Google Sheets...
by GreatOdinsRaven
Sat Jun 30, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 17150

Re: Google sheets not pulling stock prices

I've had similar issues with google sheets not being able to pull quotes for ETFs and mutual funds over the past year and a half or so. Usually, I'll report the issue via the Google Issue Tracker and it will be repaired within a week. Most recently (about two weeks ago) I noticed that Google Sheets/...
by GreatOdinsRaven
Sun May 27, 2018 10:43 am
Forum: Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 83
Views: 23721

Re: High Income Earner Humbly Seeks Advice

I just received in the mail a very nice flyer of a new dental practice in town. The photos used were of the dentist, their spouse, and their adorable children all with fantastic smiles! I bet those kids got paid modeling fees for this bit of marketing. I have heard of dentist doing it for their pra...
by GreatOdinsRaven
Tue May 08, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3816

Re: Happy 89th birthday to Bogle

Happy birthday, Jack!
Wishing you great health and many many more birthdays,
GOR
by GreatOdinsRaven
Mon Apr 16, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 5240

Re: Larry Swedroe: Don’t Exclude Emerging Markets

I believe I have read in the past that International Small Value May be an even better diversifier than EM because ISV is more dependent on each local economy. Agreed but how can you buy it? Morningstar Premium fund Screener criteria: (Fund Category = Foreign Small/Mid Value) and (Morningstar Ratin...
by GreatOdinsRaven
Tue Apr 03, 2018 4:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

I wish I had known about the webcast. I would have tried to listen to it too, even though I would have also been frequently distracted by work. Vanguard said they’d post a link to edited video from the discussion in a few months. Will return and post a link if I see one in the future. GOR https://a...
by GreatOdinsRaven
Tue Mar 27, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 8731

Re: Vanguard "system issue" 3/27/18

HueyLD wrote:
Tue Mar 27, 2018 8:37 am
Another example that confirms the old saying of "don't put all your eggs in one basket!"
+1. I have a Vanguard account, another record keeper account for my 401(k) and TD Ameritrade. Thinking about opening a Schwab account in the near future...
by GreatOdinsRaven
Tue Mar 27, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 17150

Re: google finance no longer able to query some tickers in Google Sheets

Thanks. I did a google search before posting and unfortunately the pertinent thread didn't appear.

Maybe lady geek will merge my post with the current thread.
by GreatOdinsRaven
Tue Mar 27, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 17150

google finance no longer able to query some tickers in Google Sheets

[Thread merged into here, see below (next page). --admin LadyGeek] I've been using Google Sheets for some time to monitor my portfolio. Approximately two days ago, it stopped being able to query a few of the tickers that I own (a minority of them). The vast majority of my tickers are still working....
by GreatOdinsRaven
Mon Mar 19, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: DFA US Targeted Value DFFVX
Replies: 3
Views: 816

Re: DFA US Targeted Value DFFVX

The size factor loadings of these funds are basically the same. DFFVX has roughly a 2.3X higher value load than VSIAX. If you believe in the value factor and if the expenses were the same then you should use DFFVX instead of VSIAX. But, their costs are not the same and since their factor weightings ...
by GreatOdinsRaven
Sun Mar 18, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

Vanguard active factor portfolio construction has already been discussed. But, I saw this link when I logged in, today, and listened to it. It’s not nearly as instructive as the advisor webcast but still interesting. A little more than halfway through or so they discuss portfolio construction from a...
by GreatOdinsRaven
Sat Mar 17, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: "TRYING TO BEAT THE MARKET"

I put this Boglehead post in another thread. It belongs here: Actually, the quote has nothing to do with this thread, which otherwise has been excellent. Let's try not to derail it. It appears that every thread that deviates from the three fund portfolio gets derailed by this poster. Mickens16, “Th...
by GreatOdinsRaven
Sat Mar 17, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard Drops The Ball (Cost Basis Issue)
Replies: 24
Views: 5049

Re: PSA: Vanguard Drops The Ball (Cost Basis Issue)

I've had specific ID problems with Vanguard regarding one specific stock for 3 years now and they still have been unable / unwilling to fix. Back in 2016 they finally acknowledged they had a software problem that didn't allow them to handle it correctly. When I make a sale I use specific ID and it ...
by GreatOdinsRaven
Sat Mar 17, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard Drops The Ball (Cost Basis Issue)
Replies: 24
Views: 5049

Re: PSA: Vanguard Drops The Ball (Cost Basis Issue)

Vanguard -- or something called "the cost basis team" at Vanguard -- seems to be having a lot of trouble getting SpecID issues handled properly. I asked my rep what they are doing to address the issue as a larger problem than just what I was experiencing since many on this site have been reporting ...
by GreatOdinsRaven
Mon Mar 12, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

I found some information on portfolio construction from some Vanguard advisor materials that a friend shared with me. Each single-factor product (value, momentum, quality, and liquidity) uses three equally-weighted metrics: VALUE • Book to price • Forward earnings to price • Cash flow to price MOME...
by GreatOdinsRaven
Mon Mar 12, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

The new value factor fund may have a larger average market cap, but it reaches deeper into a lot of the small caps, having higher weightings than the small cap value index fund does. Check in my companion thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=244016&newpost=3825158&view=unre...
by GreatOdinsRaven
Mon Mar 12, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

I would think that these funds could get pretty big as is. Current small cap value fund has ~ 30 billion. This value factor fund has a similar amount of names and a larger average market cap. I also see no reason they couldn't scale the VFVA portfolio up from $8 Million to $8 Billion. Positions 601...
by GreatOdinsRaven
Sun Mar 11, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

Fascinating, Vanguard now seems to be gunning for Dimensional Fund Advisors. A criticism of Vanguard is that it seemed to take a half-hearted approach towards factor investing. I am thinking of all the discussion about Vanguard Small Cap Value Index in both mutual fund and ETF form, not loaded well...
by GreatOdinsRaven
Sun Mar 11, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Investing in AQR funds
Replies: 10
Views: 2069

Re: Investing in AQR funds

Many people use FPL capital. They have a very low cost option with access to many of the funds Larry references. I don't see any of the Stone Ridge funds listed at FPL. Am I missing it somewhere? I have used FPL for two years (only for DFA and AQR) and I'm very happy. Stone Ridge is mentioned here ...
by GreatOdinsRaven
Sat Mar 10, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

I wish I had known about the webcast. I would have tried to listen to it too, even though I would have also been frequently distracted by work. In an earlier posting I saw that the value ETF was similar to 50/50 DFA US large cap value/DFA US SCV (DFLVX/DFSVX). The weighted average of that portfolio...
by GreatOdinsRaven
Sat Mar 10, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 44046

Re: Vanguard New Factor Funds Portfolio Statistics

I'll do the momentum one tomorrow. Now that I know what I'm doing, it doesn't take long. I may do liquidity too. I'm curious what that one looks like. I see that there are 6 factor ETFs and 2 mutual funds. I believe there are no special tax implications if someone holds these in an IRA or 401k fund...
by GreatOdinsRaven
Fri Mar 02, 2018 12:00 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 15472

Re: Fewer acronyms please

triceratop wrote:
Thu Feb 01, 2018 11:20 pm
I prefer acronyms. If used accurately it greatly increases the speed with which I can read posts. It takes <3 seconds to look up a ticker in a new tab and close the tab and most tickers in common to less common use are familiar to me now.
+1
by GreatOdinsRaven
Sat Feb 10, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 111
Views: 13396

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

Just wanted to comment that selling volatility has decades of track record, just not in public funds. Also so people understand AVRPX has NOTHING to do with VIX and instead sells puts and calls on over 500 securities, earning the vol premium. And there is a ton of academic research and it's common ...
by GreatOdinsRaven
Fri Feb 02, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Factors Linked To Business Cycles
Replies: 15
Views: 1634

Re: Larry Swedroe: Factors Linked To Business Cycles

I would love for someone to present proof that factor-based investing (including implementation cost) outperforms the russell 2000 on a risk-adjusted basis. Anything could beat the 2000, factor based or not. Last I heard...but it is still an age old index. Not aware of any current stats but just re...
by GreatOdinsRaven
Sat Jan 27, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 7619

Re: "Stay the Course"

Irrational Exuberance...is this phase II coming ??? or is this just Noise. https://finance.yahoo.com/news/robert-shiller-stock-market-today-similar-stock-market-1928-204253341.html Ricola: When I am unsure what to do, I remember this advice from our mentor, Jack Bogle: Stay the course . I have said...
by GreatOdinsRaven
Mon Jan 15, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer
Replies: 3
Views: 1407

Re: Portfolio Visualizer

I recently found the portfolio visualizer through the forum and have been doing some assessments on the best mix of things for my portfolio. Of course a couple of scenarios have brought up some questions. I did a comparison of a growth portfolio 52% VTSMX, 28% VGTSX, 16% VBMFX and 4% PIGlX compared...
by GreatOdinsRaven
Tue Jan 09, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: New 529 Plan Rules
Replies: 22
Views: 3062

Re: New 529 Plan Rules

It’s my understanding that up to $10,000 per year from a 529 account can be applied to qualified K-12 expenses. Let’s say that a child has two separate 529 plans. One started by a father and the other started by a mother. The child will attend private school (K-12) and the tuition is $20,000 per yea...
by GreatOdinsRaven
Mon Jan 08, 2018 10:08 pm
Forum: Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4934

Re: PE firm is buying my [medical] practice. Help!

Thank you everyone for your outstanding replies. Huge help. I remain in awe of the collective knowledge of the Boglehead community! Be sure to find explore the liquidity of your shares. Find out if you’re limited to selling during prespecified “liquidity events” and if so what comprises a liquidity...
by GreatOdinsRaven
Mon Jan 08, 2018 8:36 am
Forum: Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4934

Re: PE firm is buying my [medical] practice. Help!

Physician here. Work as an associate. I'm not a partner in the practice. Only the owner is partner. A healthcare focused PE firm is buying the practice that I work for. We will be the "platform practice" in the area. They plan on acquiring surrounding "anchor practices" to consolidate and drive up ...
by GreatOdinsRaven
Sun Jan 07, 2018 11:55 pm
Forum: Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4934

Re: PE firm is buying my practice. Help!

Find out how your equity shares will be valued and when you can sell them. Also, you need to know the vesting schedule for your equity shares. Many of these deals are structured with 5 year vesting schedules. Often, PE firms dictate when shares can be sold (liquidity events). This is often at the ti...
by GreatOdinsRaven
Thu Jan 04, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: " Has Vanguard Jumped on the Smart-Beta Bandwagon?"
Replies: 16
Views: 2431

Re: Only 1 Vanguard factor fund for investors?

I think it's just the composition of the indices. VBR/VSIAX includes 10.6% real estate. SEC Yield 1.85%. VIOV includes 5.4% real estate. SEC Yield 1.29%. Neither dividend payout is particularly high, but VBR is higher. And the real estate in particular results in a dividend payout with a large prop...
by GreatOdinsRaven
Thu Jan 04, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: " Has Vanguard Jumped on the Smart-Beta Bandwagon?"
Replies: 16
Views: 2431

Re: Only 1 Vanguard factor fund for investors?

I don't think that's what they're saying at all. It's not that individuals couldn't use the single-factor funds, but that Vanguard doesn't anticipate as much demand from them or doesn't want to emphasize it for them. These aren't the only funds targeted at non-retail clients. For example, Vanguard ...