Search found 754 matches

by spdoublebass
Thu Jul 11, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 260
Views: 55374

Re: How Do You Like My New 'Doo

Bond Stylebox 10 41 16 00 24 07 02 00 00 65% Intermediate Term Investment Grade 23% Long Term Investment Grade 10% Short Term Investment Grade 2% Short Term High Yield Junk I’m not trying to clutter up your thread, but I am curious. What bond funds do you hold? I looked through the thread but didn’...
by spdoublebass
Wed Jul 10, 2019 7:21 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 239
Views: 22158

Re: What percentage of total portfolio in REIT's do you have? Why? . . Why not?

I have 5% of my portfolio in REIT's. I mainly wanted it because I rent and do not plan on buying anything in the next 20 years. I also believe they are a separate asset class and function differently. I know 5% is not a huge amount, but I know I can stick with 5%. I also do not tilt SCV, if I did I...
by spdoublebass
Wed Jul 10, 2019 12:07 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 239
Views: 22158

Re: What percentage of total portfolio in REIT's do you have? Why? . . Why not?

I have 5% of my portfolio in REIT's. I mainly wanted it because I rent and do not plan on buying anything in the next 20 years. I also believe they are a separate asset class and function differently. I know 5% is not a huge amount, but I know I can stick with 5%. I also do not tilt SCV, if I did I...
by spdoublebass
Mon Jul 08, 2019 2:41 pm
Forum: Personal Investments
Topic: been a great run for bonds..
Replies: 11
Views: 1985

Re: been a great run for bonds..

Why? Just to lose to inflation?
by spdoublebass
Fri Jul 05, 2019 12:24 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 239
Views: 22158

Re: What percentage of total portfolio in REIT's do you have? Why? . . Why not?

I have 5% of my portfolio in REIT's. I mainly wanted it because I rent and do not plan on buying anything in the next 20 years. I also believe they are a separate asset class and function differently. I know 5% is not a huge amount, but I know I can stick with 5%. I also do not tilt SCV, if I did I ...
by spdoublebass
Sat Jun 29, 2019 2:33 pm
Forum: Investing - Theory, News & General
Topic: Why NO International Bond Index ??
Replies: 37
Views: 5568

Re: Why NO International Bond Index ??

I recently had my yearly talk with a CFP at Vanguard Advisory Services & as they have done multiple times before advised(pushed) the Vanguard Currency hedged International Bonds Fund Index. I do not have any in my Portfolio, as is the collective opinion on our Forum . I do not understand the In...
by spdoublebass
Wed May 29, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 74
Views: 6963

Re: Delaying social security = harming nest egg?

Also, some people like their profession and want to work. I plan on working until I die in some fashion. I would be penalized if I took SS early.
by spdoublebass
Tue May 28, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1488

Re: One Specific SS Question

Since the husband was born before 1954, when the wife turns 66, she can file and then he can get spousal benefits. Then 2(ish) years later when he turns 70, he can claim his own SS, and she can claim her spousal benefits. In the above example, does it matter that the husband in claiming spousal ben...
by spdoublebass
Tue May 28, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1488

Re: One Specific SS Question

Thank you everyone for the replies. You have definitely answered my question. As JoeRetire pointed out, I didn't had the age and birthdates correct. My original question was wanted I wanted to know. Now that has led to one more question. Is this also correct? Since the husband was born before 1954, ...
by spdoublebass
Tue May 28, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1488

Re: One Specific SS Question

I find the wording ambiguous on the Social Security website. For my specific question please assume the following: -Husband PIA $3000, currently age 67, still working. -Wife PIA $1000, currently age 65, not working. -Both are born after Jan 2, 1954 -age 66 is FYA for both. Question: Say the wife fi...
by spdoublebass
Tue May 28, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1488

Re: One Specific SS Question

JoeRetire wrote: Tue May 28, 2019 6:28 am
If Husband is 67, he was born before 1954.

You are of course correct. I will edit my OP. I was just trying to know they rule for people born after 1954.
by spdoublebass
Tue May 28, 2019 1:36 am
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1488

Re: One Specific SS Question

I think you have it right. Mike Piper has a small book or Kindle book which covers the subject since the law changed a couple years ago. You can also search here for Mike Piper or Oblivious Investor for his comments on the subject. Social Security Made Simple: Social Security Retirement Benefits an...
by spdoublebass
Mon May 27, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1488

One Specific SS Question

I find the wording ambiguous on the Social Security website. For my specific question please assume the following: -Husband PIA $3000ish, currently age 66, still working. Born Oct 1952 -Wife PIA $1000ish, currently age 64, not working. Born Aug 1954 -Both are born after Jan 2, 1954 -age 66 is FYA fo...
by spdoublebass
Mon May 27, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefits to low salary job with high income spouse?
Replies: 32
Views: 7316

Re: Any benefits to low salary job with high income spouse?

She will be building up SS credits on her own work record instead of having all the years be 0 earnings. After 10 years of earning ‘something’, she will be eligible to start collecting on her own record even if you are still working. (When you start collecting, she will start taking half of yours.)...
by spdoublebass
Wed May 22, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Student loans
Replies: 14
Views: 1334

Re: Student loans

If you are going to pay off the loans, the differences between IBR and PAYE are really not that great.

If you are going to be making minimum payments or have a lower paying job for the next 20 years then the differences become something to consider.

Focus on paying it off anyway you can.
by spdoublebass
Tue May 21, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?
Replies: 22
Views: 2125

Re: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?

Mechanically speaking I get the idea of indexing and market caps. So if one follows the logic further is the global portfolio the lowest risk / reward that you can find? It has to be right? If you figure that's what everyone else owns (to the percentage) and you own the entire thing, how far can th...
by spdoublebass
Fri May 10, 2019 9:51 pm
Forum: Personal Investments
Topic: VG int bonds vs total bond funds
Replies: 1
Views: 387

Re: VG int bonds vs total bond funds

There is now a significant difference between the yield of these two index funds. VTABX has been around since 2014. Since 2014 it has outperformed VBTLX in 5 out of the 6 years. The CAGR since 2014 for both funds is: VBTLX = 2.87% VTABX = 4.30% The yield is what it is, if you look at SEC yield it d...
by spdoublebass
Fri May 10, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: When to file a PFIC?
Replies: 5
Views: 960

Re: When to file a PFIC?

I guess I’m asking how do you know if an ETF is US Domiciled? The most direct way would be to find the ETF's ISIN . If the first two characters of the ISIN are 'US' it is US domiciled and so will not fall foul of the spiteful US PFIC tax rules. If they are anything else , with 'IE' (Ireland) or 'LU...
by spdoublebass
Wed May 08, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: When to file a PFIC?
Replies: 5
Views: 960

Re: When to file a PFIC?

I guess I’m asking how do you know if an ETF is US Domiciled?
by spdoublebass
Wed May 08, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: When to file a PFIC?
Replies: 5
Views: 960

When to file a PFIC?

I was just reading about PFIC's. https://www.bogleheads.org/wiki/Passive_foreign_investment_company I also remember this thread: https://www.bogleheads.org/forum/viewtopic.php?t=225320 The last thread referenced the etf EIS (Israel Market Cap MSCI). What I didn't understand is why people were concer...
by spdoublebass
Sun May 05, 2019 12:47 am
Forum: Investing - Theory, News & General
Topic: Share Buybacks — Savior of the U.S. Equity Market?
Replies: 58
Views: 4975

Re: Share Buybacks — Savior of the U.S. Equity Market?

Does this concern dividend investors at all? I’m curious as well. Do buybacks count as dividends for fund like high dividend yield and dividend growth? Just curious as I don’t own these funds. No. 'Dividend' funds focus exclusively on dividends. The mandatory distributions are a feature, not a bug,...
by spdoublebass
Sat May 04, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Share Buybacks — Savior of the U.S. Equity Market?
Replies: 58
Views: 4975

Re: Share Buybacks — Savior of the U.S. Equity Market?

lostdog wrote: Sat May 04, 2019 10:11 am Does this concern dividend investors at all?
I’m curious as well.

Do buybacks count as dividends for fund like high dividend yield and dividend growth?

Just curious as I don’t own these funds.
by spdoublebass
Wed May 01, 2019 11:17 pm
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 8043

Re: Is factor-based small-value/Fama-French tilting worth it?

My conclusion - I have absolutely no idea what will outperform the market and neither does anyone else over my time horizon. Something absolutely will - maybe even my old portfolio - but its extremely difficult to predict and chasing can be a dangerous and stressful game. If you want to tilt, you m...
by spdoublebass
Sat Apr 27, 2019 4:06 pm
Forum: Personal Investments
Topic: Investing in a Broadway show production
Replies: 38
Views: 4050

Re: Investing in a Broadway show production

just heard an interview with Bill Bernstein on Barry Ritholtz's Masters of Business podcast. He mentioned William Baumol and some of his findings. Baumol shows that, contrary to what most of us believe, art investment does not do better than financial investment: its real rate of return is, on aver...
by spdoublebass
Fri Apr 26, 2019 11:32 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 319
Views: 48574

Re: I’m still not a fan of international bond funds

Maybe I'm just really missing something, but what is so bad with International bonds? Sometimes I think it's obly because the sec yield percentage on the websites is so low. When I go to PV and compare BND to BNDX I don't see the issue. Yes, I know BNDX has only been around since 2014, but still. Si...
by spdoublebass
Fri Apr 26, 2019 3:36 pm
Forum: Personal Investments
Topic: REET vs FREL for 10% asset allocation?
Replies: 20
Views: 3459

Re: REET vs FREL for 10% asset allocation?

From what I’ve read, REET holds pure REITs compared to the international REITs in VNQI. Hi spdoublebass - I believe this was correct previously but may have changed. Historically the Vanguard US REIT Index fund included only equity REITs and no Mortgage or Hybrid REITs. Thus a pure play on real est...
by spdoublebass
Fri Apr 26, 2019 1:59 pm
Forum: Personal Investments
Topic: REET vs FREL for 10% asset allocation?
Replies: 20
Views: 3459

Re: REET vs FREL for 10% asset allocation?

From what I’ve read, REET holds pure REITs compared to the international REITs in VNQI. Hi spdoublebass - I believe this was correct previously but may have changed. Historically the Vanguard US REIT Index fund included only equity REITs and no Mortgage or Hybrid REITs. Thus a pure play on real est...
by spdoublebass
Fri Apr 26, 2019 11:49 am
Forum: Personal Investments
Topic: REET vs FREL for 10% asset allocation?
Replies: 20
Views: 3459

Re: REET vs FREL for 10% asset allocation?

I currently own a rental property which I expect to sell within the next year and it represents 15% of my networth. I am looking to have a 10% asset allocation in real estate going forward, but in the form of mutual funds/ETFs rather than being a landlord. My current AA in my taxable Fidelity accou...
by spdoublebass
Sat Apr 20, 2019 11:47 pm
Forum: Investing - Theory, News & General
Topic: Why don't dividends affect the cost basis?
Replies: 14
Views: 2042

Re: Why don't dividends effect the cost basis?

The dividend does not affect cost basis of the shares held prior to the dividend. Shares purchased with the dividend have their own cost basis , just like any share purchase. A proper return calculation, which I assume PV does, takes into account that these two costs bases are different, unless the...
by spdoublebass
Sat Apr 20, 2019 11:44 pm
Forum: Investing - Theory, News & General
Topic: Why don't dividends affect the cost basis?
Replies: 14
Views: 2042

Re: Why don't dividends effect the cost basis?

The dividend affects the cost basis of your holding if you reinvest the dividend. Note your holding is now more than the original share. The cost basis of that one share is not changed. If you did reinvest the cost basis of the holding would be $9.88. At the same time your holding would also be mor...
by spdoublebass
Sat Apr 20, 2019 11:37 pm
Forum: Investing - Theory, News & General
Topic: Why don't dividends affect the cost basis?
Replies: 14
Views: 2042

Re: Why don't dividends effect the cost basis?

I'm not asking literally where my dividend is, I know it's in the money market. My point is even at Vanguard, does the dividend effect the cost basis in any way? I'm not saying I discovered something new, but I just never thought about it before. Reinvesting dividends would be different because you...
by spdoublebass
Sat Apr 20, 2019 11:20 pm
Forum: Investing - Theory, News & General
Topic: Why don't dividends affect the cost basis?
Replies: 14
Views: 2042

Re: Why don't dividends effect the cost basis?

It makes no sense that your broker is labelling that result the way you say. In the first place return is a ratio of gain to starting principal and not a number of dollars. The result would be a percent. Maybe you are misreading what it actually says. Obviously they are just reporting the current v...
by spdoublebass
Sat Apr 20, 2019 10:42 pm
Forum: Investing - Theory, News & General
Topic: Why don't dividends affect the cost basis?
Replies: 14
Views: 2042

Why don't dividends affect the cost basis?

I opened a Robinhood account just to see what it was. I bought one share of Ford. This is the only individual stock I own and it is the only money I have in this account. I do have a question though regarding cost basis. I'm not trying to start a debate about dividends, I know they are not free mone...
by spdoublebass
Fri Apr 19, 2019 2:26 am
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 119
Views: 10018

Re: In which companies do you own a single share, or token amount, of stock?

EdNorton wrote: Thu Apr 18, 2019 1:59 pm Churchill Downs, shareholders get free passes to KY derby.
How many owned shares are required to get free passes?
by spdoublebass
Thu Apr 18, 2019 1:40 am
Forum: Personal Investments
Topic: how did Vanguard IT Treasury Index return 4.64% over 1 year?
Replies: 3
Views: 1388

Re: how did Vanguard IT Treasury Index return 4.64% over 1 year?

Regarding the 20 basis points.... It makes sense to me. However, knowing what to buy now doesn’t tell me what to do with the bonds I’ve already bought, or what to do with the bonds I’d buy today three years from now. What I’m saying is I’ve always been a little confused at how to implement the strat...
by spdoublebass
Tue Apr 16, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: Calculating Individual 5 year note vs TIPS
Replies: 8
Views: 403

Re: Calculating Individual 5 year note vs TIPS

My post, Re: Treasury Notes Return vs Actual TIPS Return , does a similar comparison for all 5 and 10 year TIPS bought at auction that matured through July 2018. Is there anything (website etc.) that tracks this over time? Comparing historical values return of 5 year tips vs 5 year Notes, and then ...
by spdoublebass
Tue Apr 16, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: Calculating Individual 5 year note vs TIPS
Replies: 8
Views: 403

Re: Calculating Individual 5 year note vs TIPS

From their April 2014 auction results pages we know the 1.625% coupon Treasury note maturing 4/30/2019 had a nominal yield to maturity (YTM) of 1.732% , and the 0.125% coupon TIPS maturing 4/15/2019 had a real YTM of -0.213% . We can compare them by calculating the nominal YTM of the TIPS based on ...
by spdoublebass
Tue Apr 16, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: Calculating Individual 5 year note vs TIPS
Replies: 8
Views: 403

Re: Calculating Individual 5 year note vs TIPS

Do you want to estimate future return for those two issues, or are you trying to check past returns of 5-year notes and TIPS ? In the first case, it can't be done since nobody knows future CPI values. In the second case, you can search historical returns for 5-year notes and TIPS separately and com...
by spdoublebass
Tue Apr 16, 2019 6:49 pm
Forum: Investing - Theory, News & General
Topic: Calculating Individual 5 year note vs TIPS
Replies: 8
Views: 403

Calculating Individual 5 year note vs TIPS

I've been reading about TIPS and just bonds in general. I find the terms pretty confusing. What I wanted to do was go to Treasury Direct and find a 5 Year Treasury Note and a 5 year TIPS from the past and then compare them. I found the info for a 5 year Note announced on 4/17/2014 here: https://www....
by spdoublebass
Sun Apr 14, 2019 7:06 pm
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 3256

Re: Holding LT Treasury bonds in high equity portfolio with flat yield curve

At some point in retirement, do you begin reducing the duration of your LTT strategy? I have enjoyed reading this read. I am not as advanced as the others who have been responding to my OP, but to answer your question I'd think you'd have some options. First off, as in the OP I was talking about an...
by spdoublebass
Wed Apr 10, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 3256

Re: Holding LT Treasury bonds in high equity portfolio with flat yield curve

I don’t hold LTT for the yield. I hold them for the uncorrelation with stocks: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=276568&p=4452080&hilit=Box#p4452080 So no change for me. Hedgefundie I follow your other thread. I know what you mean about yield. But if interest rates r...
by spdoublebass
Wed Apr 10, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: Holding LT Treasury bonds in high equity portfolio with flat yield curve
Replies: 36
Views: 3256

Holding LT Treasury bonds in high equity portfolio with flat yield curve

I have read many post over the last few years regarding a school of thought that if you have a high equity allocation (say 80/20 or 90/10), it could be beneficial to hold LT Treasury instead of say TBM. I am not here to debate if this is true or not. My question is for people who do use (or people w...
by spdoublebass
Tue Apr 09, 2019 12:19 am
Forum: Personal Investments
Topic: The 2-fund strategy for a beginner late-to-the-game investor
Replies: 20
Views: 2798

Re: The 2-fund strategy for a beginner late-to-the-game investor

I'm not one to give advice on this forum, mostly a reader, but here is my 2 cents for what it's worth. I do not personally overweight SCV. I quickly just put it in PV and randomly selected some years. The last 13 years SCV slightly underperformed TSM. This of course means nothing, but it does confir...
by spdoublebass
Mon Apr 08, 2019 12:29 am
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 10102

Re: The "dividend preference anomaly"

You are saying the price adjustment for dividends is permanent and that statement is not correct and there is no evidence to back it up. There is plenty of evidence to back it up. If you need to see something, just look at the prices of companies that have paid one time large dividends. Here's an e...
by spdoublebass
Sat Apr 06, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Where to find a fact sheet for Treasury index?
Replies: 9
Views: 632

Re: Where to find a fact sheet for Treasury index?

Fidelity has several true index based pure treasury mutual funds: FUMBX (Short Term U.S. Treasury) ER .03 FUAMX (intermediate Term)ER .03 FNBGX (Long Term)ER .03 FIPDX (TIPS)ER .05 What I'm interested though is the market value of these funds. That's what I was trying to find. From the USBIG Index ...
by spdoublebass
Sat Apr 06, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Where to find a fact sheet for Treasury index?
Replies: 9
Views: 632

Re: Where to find a fact sheet for Treasury index?

To be honest, I find iShares's own website to be a better resource than Morningstar. You'll find the actual prospectus, annual reports, etc., there. Here is the page for GOVT , with a "Literature" link to scroll down to the fund's documents. Thanks for this info. Yes, While I don't use th...
by spdoublebass
Sat Apr 06, 2019 12:44 pm
Forum: Investing - Theory, News & General
Topic: Where to find a fact sheet for Treasury index?
Replies: 9
Views: 632

Re: Where to find a fact sheet for Treasury index?

Thank you for all the replies.

I was just curious if one can calculate the market value for each duration. I was just curious.

I only know of a few pure treasury funds, GOVT being one of them. I was on my phone when I tried Morningstar, but from my computer it works.
by spdoublebass
Sat Apr 06, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: Where to find a fact sheet for Treasury index?
Replies: 9
Views: 632

Re: Where to find a fact sheet for Treasury index?

Are you asking about a particular index? A particular fund? There isn't just one Treasury index. If it's a fund, easiest thing is to go to Morningstar, type in the fund ticker, then click on "portfolio" I thought I did this, but I guess I missed it. This this will show the duration breakd...
by spdoublebass
Fri Apr 05, 2019 8:32 pm
Forum: Investing - Theory, News & General
Topic: Where to find a fact sheet for Treasury index?
Replies: 9
Views: 632

Where to find a fact sheet for Treasury index?

This is only for my own curiosity. I cannot find a fact sheet for the US treasury market. I was hoping for something that showed market value and the breakdown of the different durations. I found fund that tract certain bench marks, but then I couldn't find a fact sheet for those bench marks. I know...
by spdoublebass
Thu Apr 04, 2019 5:11 pm
Forum: Investing - Theory, News & General
Topic: Why do we need hedged funds for bonds?
Replies: 9
Views: 1315

Re: Why do we need hedged funds for bonds?

international001 wrote: Thu Apr 04, 2019 5:08 am I'm not considering black Shawn events
:shock: