Search found 558 matches

by preserve
Thu Apr 19, 2007 7:19 pm
Forum: Personal Investments
Topic: POOR 403(B) CHOICES
Replies: 6
Views: 3251

i love you guys

Allocating my bonds and reits has been hell. (taxes) No 401k, and only a Roth account. Thanks to you guys, I've found out that everyone in TRS (teacher retirement service) in texas can contribute to 403b(7) with vanguard mutual funds, or an endless list of firms. 15.5k annual tax deduction, tax free...
by preserve
Wed Apr 18, 2007 4:54 pm
Forum: Investing - Theory, News & General
Topic: Why have any bond fund when a money market pays more?
Replies: 12
Views: 5063

the reason there is no risk premium for intermediate or long term bonds, is the fact that there is a risk premium for short term bonds!!!
by preserve
Tue Apr 17, 2007 7:20 pm
Forum: Investing - Theory, News & General
Topic: I Bonds Rate for May 1, 2007
Replies: 11
Views: 3935

this data should help you decide

this is tips rates

date 5year 10year 20 year 30 year
12/26/2006 2.4 2.34 2.34 2.24
4/17/2006 2.17 2.28 2.36 2.26

so it should be same or lower. but never know.
by preserve
Mon Apr 16, 2007 8:15 pm
Forum: Investing - Theory, News & General
Topic: Are private elite universities worth it?
Replies: 139
Views: 65314

goals

goal setting seems to be the most important criteria here. Not all public schools, and private schools are the same. If your daughter has good scores, she'll probably end up in a good grad school no matter where she goes. Her happiness and individual development is probably the most important. Does ...
by preserve
Mon Apr 16, 2007 2:17 pm
Forum: Investing - Theory, News & General
Topic: What's more diversified: Slice and Dice vs. Total Market?
Replies: 12
Views: 4476

if it weren't for liquidity issues

total market is probably a bad diversifier. just a good benchmark for the returns we need to achieve. Odds are, the stocks that are dominating the market and outweighing everyone else are correlated to each other in some way or another. I think the name of the game is to get the same returns as tota...
by preserve
Fri Apr 13, 2007 6:13 pm
Forum: Investing - Theory, News & General
Topic: Commodities futures versus bonds for reducing portfolio risk
Replies: 139
Views: 65494

my fav thread

This is definitely one of my favorite threads. Its becoming clear as to who actually knows what they are talking about. Things I've picked up. #1) Futures are not zero sum games! (If you think they are, you should definitely not be investing in stocks or bonds) #2) Stocks, Bonds, Savings accounts ar...
by preserve
Thu Mar 22, 2007 5:52 pm
Forum: Investing - Theory, News & General
Topic: Commodities futures versus bonds for reducing portfolio risk
Replies: 139
Views: 65494

Who really understands futures?

I've been puzzled with people saying that DJP etc. will only provide returns at the rate of inflation. As far as I know, all futures have a built in cost of money. Ie. If i buy $100 worth of futures expecting the futures to be worth $100 out 20 years from now. I'll get a discount for whatever the ex...
by preserve
Thu Mar 15, 2007 10:25 pm
Forum: Personal Investments
Topic: Tax Managed Stocks vs. ETF
Replies: 18
Views: 9327

slightly disagree

I'm the other way around on cap size of stock , if tax writeoffs is the objective. Small cap individual stocks are the way to go. Finding losses in blue-chips is much more difficult than in small caps, especially in the up years and in the long term. With a basket of 10 small caps, your always ready...