Search found 200 matches

by manlymatt83
Thu Sep 24, 2020 12:53 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925142

Re: The Three-Fund Portfolio

Interesting. I saw this in another post: The traditional three-fund portfolio starting at world market cap ratio and not reinvesting dividends will continue to track world market cap on its own if you don't touch it, anyway. Is this true? If I start VTI and VXUS at market weight holdings (looks to b...
by manlymatt83
Thu Sep 24, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925142

Re: The Three-Fund Portfolio

Am I making a big mistake holding VT in a taxable instead of VTI/VXUS where I won't be eligible for the Foreign Tax Credit? There's something to be said for simplicity and I'd really rather just hold one fund there if I can.
by manlymatt83
Wed Sep 23, 2020 7:57 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

... so is 50% TSM and 50% SCV until age 50 acceptable? It can be if you have a high tolerance for risk and tracking error. One thing to keep in mind: if you plan to start decumulating your SCV allocation at age 50, what would you do if SCV has underperformed the broad market for a long period at th...
by manlymatt83
Tue Sep 22, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

... so is 50% TSM and 50% SCV until age 50 acceptable? Age 50 doesn’t mean much, when are you retiring? How’s your risk tolerance? Could you handle a 60% drawdown at age 49? This isn’t something you can ask others to answer. I thought you wanted to end up 60/40 equity/bonds? You don’t go to that th...
by manlymatt83
Tue Sep 22, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

vineviz wrote: Tue Sep 22, 2020 6:55 pm
manlymatt83 wrote: Tue Sep 22, 2020 6:52 pm ... so is 50% TSM and 50% SCV until age 50 acceptable?
Acceptable to whom?
Me.
by manlymatt83
Tue Sep 22, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

... so is 50% TSM and 50% SCV until age 50 acceptable?
by manlymatt83
Tue Sep 22, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Larry Swedroe says when time horizons are short is precisely when it becomes most important to diversify among factors and not just put all your eggs in the Market Beta basket. Following his logic one would keep their strong tilts and increase their safe bond allocation. Known as the "Larry Po...
by manlymatt83
Tue Sep 22, 2020 3:06 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Larry Swedroe says when time horizons are short is precisely when it becomes most important to diversify among factors and not just put all your eggs in the Market Beta basket. Following his logic one would keep their strong tilts and increase their safe bond allocation. Known as the "Larry Po...
by manlymatt83
Tue Sep 22, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Will everyone's transition from TSM/SCV (say 50% TSM and 50% SCV) to something more conservative as they near retirement be linear, or exponential? For example, is it possible to formulate 80 - age as your SCV allocation so the number drops 1% each year until you hit 0%, or will it be better to pic...
by manlymatt83
Tue Sep 22, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Will everyone's transition from TSM/SCV (say 50% TSM and 50% SCV) to something more conservative as they near retirement be linear, or exponential? For example, is it possible to formulate 80 - age as your SCV allocation so the number drops 1% each year until you hit 0%, or will it be better to pic...
by manlymatt83
Tue Sep 22, 2020 2:50 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Will everyone's transition from TSM/SCV (say 50% TSM and 50% SCV) to something more conservative as they near retirement be linear, or exponential? For example, is it possible to formulate 80 - age as your SCV allocation so the number drops 1% each year until you hit 0%, or will it be better to pic...
by manlymatt83
Tue Sep 22, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925142

Re: Stock/Bond Allocation?

Assuming a 3 fund portfolio (generally VTI/VXUS + BNDW), are bonds calculated as 130 - age OK in today's world? I had originally decided I was going to wait for bonds until age 40, then realized "130 - age" for equity allocation was a good enough formula for me. manlymatt83: It is a mista...
by manlymatt83
Tue Sep 22, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Will everyone's transition from TSM/SCV (say 50% TSM and 50% SCV) to something more conservative as they near retirement be linear, or exponential? For example, is it possible to formulate 80 - age as your SCV allocation so the number drops 1% each year until you hit 0%, or will it be better to pick...
by manlymatt83
Tue Sep 22, 2020 12:37 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925142

Re: The Three-Fund Portfolio

Assuming a 3 fund portfolio (generally VTI/VXUS + BNDW), are bonds calculated as 130 - age OK in today's world? I had originally decided I was going to wait for bonds until age 40, then realized "130 - age" for equity allocation was a good enough formula for me.
by manlymatt83
Thu Sep 17, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

2. Why use VBR if it has so much mid cap? Not a bad fund at all though and for some periods of time it has done just as well as SCV if not better, but not when you go back to a longer 50 year period. How do you have 50 years worth of data for VBR? 3. Any way to read on what Avuv does in a clear and...
by manlymatt83
Thu Sep 17, 2020 8:19 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Point is the decision on which fund is less critical than you are making it out to be, the real question is how much do you want to tilt? Once you decide that, using VBR, SLYV, VIOV, or AVUV really won't matter much, you just may want to adjust how much of each you hold to get you that tilt. Hmm. I...
by manlymatt83
Wed Sep 16, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

I have no EM exposure at all, but wouldn't mind some if the ex-US funds I use (FNDC & IVAL) had market-weight. I have considered adding some back in via DGS or similar, but don't have any reason to overweight EM, and at market-weight it just doesn't move the needle enough to justify the complex...
by manlymatt83
Wed Sep 16, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

I think your 50/50 approach is excellent by the way. Covers all the bases with factor exposure spread nicely around all three regions. Thanks! Perhaps I will move small cap value back to the "core" part of my spreadsheet. It's one thing I can't ever imagine getting rid of, and I've held i...
by manlymatt83
Wed Sep 16, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

These sample portfolios are handy, but it really is so so subjective, and even once making one you can find 5 other variants using different allocations to the funds that match the same factor exposure. You just have to read about the methodologies, pick a fund that speaks to you, decide how much a...
by manlymatt83
Wed Sep 16, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

My allocation likely has deeper factor exposure than 60/40 VFMF/VXUS for what it's worth. As does mine, as I'm now 50% VTI/VXUS, and 50% AVUV/AVDV/DGS. 25% VVIAX (VTV) 25% VSIAX (VBR) 15% QVAL 25% FNDC 10% IVAL All-in on value baby! Planning to move that VVIAX back to S&P500 at some point in th...
by manlymatt83
Wed Sep 16, 2020 12:17 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

MotoTrojan wrote: Wed Sep 16, 2020 12:15 pm My allocation likely has deeper factor exposure than 60/40 VFMF/VXUS for what it's worth.
As does mine, as I'm now 50% VTI/VXUS, and 50% AVUV/AVDV/DGS.
by manlymatt83
Wed Sep 16, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

I recommend you first take a step back and think about what your beliefs are. ... for some of the factor enthusiasts in this thread to come up with sample portfolios. Iirc Vineviz created one a while back. I second this. It would be awesome to see some sample portfolios that combine the likes of VT...
by manlymatt83
Wed Sep 16, 2020 11:58 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Now if you've finally decided factors produce outperformance and higher risk-adjusted returns, then you should tilt as much as your tracking error will withstand. Why wouldn't you, it's a free lunch! So you'd go 100% VFMF in your USA holding perhaps, adding VTI only to the extent you need to stay t...
by manlymatt83
Wed Sep 16, 2020 8:46 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

I mentioned earlier in the thread that a friend and I sat down once with a Bloomberg terminal, wrote a small R script, and backtested a simulated VFMF strategy. We then regressed the returns against various factor models and decided to invest in it ever since. The methodology was excellent from a f...
by manlymatt83
Tue Sep 15, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

I think you mean DLS instead of DGS (developed not EM). I moved from SLYV to AVUV where I could (SLYV is tax loss harvest parter now and have a bunch with gain so not moving that). I know use AVDV instead of other funds like ISCF, FNDC, or DLS. I moved out of DLS years ago due to the high ER. ISCF ...
by manlymatt83
Tue Sep 15, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Did anyone else replace their SLYV/DGS holdings with AVUV/AVDV? Just curious. And if so, did you dump your entire SLYV/DGS? I think you mean DLS instead of DGS (developed not EM). I moved from SLYV to AVUV where I could (SLYV is tax loss harvest parter now and have a bunch with gain so not moving t...
by manlymatt83
Tue Sep 15, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Did anyone else replace their SLYV/DGS holdings with AVUV/AVDV? Just curious. And if so, did you dump your entire SLYV/DGS? I think you mean DLS instead of DGS (developed not EM). I moved from SLYV to AVUV where I could (SLYV is tax loss harvest parter now and have a bunch with gain so not moving t...
by manlymatt83
Tue Sep 15, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Did anyone else replace their SLYV/DGS holdings with AVUV/AVDV? Just curious. And if so, did you dump your entire SLYV/DGS? During the sell off, I sold 2/3 of my VSS position for AVDV. I sold VBR and bought SLYV for my SCV domestic (I used to have VBR+IJS for commission free reasons), but wish I wo...
by manlymatt83
Tue Sep 15, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Did anyone else replace their SLYV/DGS holdings with AVUV/AVDV? Just curious. And if so, did you dump your entire SLYV/DGS?
by manlymatt83
Tue Aug 18, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: Buffet buys gold miner
Replies: 41
Views: 4174

Re: Buffet buys gold miner

Does anyone own BRK.B as part of their core portfolio? I’m mostly in index funds but have thought about picking up 100 shares of BRK just be along for the ride. I guess that would be considered a tilt though.
by manlymatt83
Fri Aug 14, 2020 2:21 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Curious, anyone holding SLYV (or IJS) *and* AVUV? Yes I am about 50/50 in both. I jumped into AVUV in taxable due to a tax loss harvesting opportunity (Sell IJS to lock in loss, buy AVUV). But my IRA still has SLYV and I haven't decided yet whether to leave it or replace with AVUV. And in 401ks I w...
by manlymatt83
Fri Aug 14, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Curious, anyone holding SLYV (or IJS) *and* AVUV? Yep. AVUV has deeper value exposure. VIOV (tracks same index as SLYV/IJS) has a cheaper ER. So rather than choosing one or the other for my SCV allocation I split the difference and hold both. That is what I’ve been doing! I am 25% AVUV, SLYV, AVDV,...
by manlymatt83
Thu Aug 13, 2020 11:16 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Wade Garrett wrote: Thu Aug 13, 2020 11:03 pm
mjuszczak wrote: Thu Aug 13, 2020 10:52 pm That is what I’ve been doing!
they say great minds think alike......
😂😊
by manlymatt83
Thu Aug 13, 2020 10:52 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Curious, anyone holding SLYV (or IJS) *and* AVUV? Yep. AVUV has deeper value exposure. VIOV (tracks same index as SLYV/IJS) has a cheaper ER. So rather than choosing one or the other for my SCV allocation I split the difference and hold both. That is what I’ve been doing! I am 25% AVUV, SLYV, AVDV,...
by manlymatt83
Thu Aug 13, 2020 9:53 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

Curious, anyone holding SLYV (or IJS) *and* AVUV?
by manlymatt83
Wed Jul 29, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

For those doing this, are you reinvesting dividends, or taking the cash each time and using it to buy up what’s undervalued? Many folks are using M1, which automatically buys whatever is underweighted. What if I’m not using m1 but have 80% in an isolated taxable account? My worry is that if I don’t...
by manlymatt83
Wed Jul 29, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

For those doing this, are you reinvesting dividends, or taking the cash each time and using it to buy up what’s undervalued?
by manlymatt83
Wed Jul 29, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

Is anyone still doing the 55/45 UPRO/TMF method? Just curious. Yeah. As mentioned, what would you ever need to post about it? yep, still doing it. Have you adjusted your other total market/total bond holdings to compensate for your UPRO/TMF holdings? Treating UPRO/TMF as 100% stocks, for example?
by manlymatt83
Wed Jul 29, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

Is anyone still doing the 55/45 UPRO/TMF method? Just curious. Yeah. As mentioned, what would you ever need to post about it? I am going to purchase some PSLDX and was trying to figure out: How much I should have of PSLDX compared to UPRO/TMF How I need to adjust my current VT/BND holdings (my only...
by manlymatt83
Tue Jul 28, 2020 9:02 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

Is anyone still doing the 55/45 UPRO/TMF method? Just curious. I am! I'm pretty sure most of us are, but most of what can be said has been said. I am trying to determine if I can hold UPRO/TMF and/or PSLDX in an isolated account while still holding VT/BND. I believe you can do anything you set your...
by manlymatt83
Tue Jul 28, 2020 8:47 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

cos wrote: Tue Jul 28, 2020 8:26 pm
mjuszczak wrote: Tue Jul 28, 2020 6:36 pm Is anyone still doing the 55/45 UPRO/TMF method? Just curious.
I am! I'm pretty sure most of us are, but most of what can be said has been said.
I am trying to determine if I can hold UPRO/TMF and/or PSLDX in an isolated account while still holding VT/BND.
by manlymatt83
Tue Jul 28, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6724
Views: 644647

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

Is anyone still doing the 55/45 UPRO/TMF method? Just curious.
by manlymatt83
Mon Jul 06, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What money saving apps do you use that are worth your time?
Replies: 20
Views: 1885

Re: What apps do you use that are worth your time?

Flobes wrote: Mon Jul 06, 2020 11:32 am
mjuszczak wrote: Mon Jul 06, 2020 11:28 am For example...
How about telling us what these are, what they do, and how they work? Otherwise, it's just another useless list.
Will do! Will update the OP.
by manlymatt83
Mon Jul 06, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: What money saving apps do you use that are worth your time?
Replies: 20
Views: 1885

What money saving apps do you use that are worth your time?

Bogleheads tend to go for simplicity and passiveness, which I love. There are so many apps out there that let you save a dollar here or there. For example: Pei Freebird eBates/Rakuten Level Up Seated Ibotta Raise Bumped Dosh Drop ... and more. Given that some of these apps require effort (even if it...
by manlymatt83
Tue May 26, 2020 8:43 pm
Forum: Personal Investments
Topic: Private Investing?
Replies: 12
Views: 1012

Re: Private Investing?

The private investments we have are in businesses where my wife is an active, but minority participant. And how do you factor that into your portfolio? I don't. It's uncorrelated with any other asset class so there isn't any point. Would it be acceptable then to say “I don’t want private investment...
by manlymatt83
Tue May 26, 2020 8:18 pm
Forum: Personal Investments
Topic: Private Investing?
Replies: 12
Views: 1012

Re: Private Investing?

unclescrooge wrote: Tue May 26, 2020 7:49 pm The private investments we have are in businesses where my wife is an active, but minority participant.
And how do you factor that into your portfolio?
by manlymatt83
Tue May 26, 2020 3:55 pm
Forum: Personal Investments
Topic: Private Investing?
Replies: 12
Views: 1012

Private Investing?

Bogleheads who do private investing, such as via the JOBS act or as an accredited investor: how do you allocate what % of your overall portfolio goes to your total market portfolio (think VT/BND) versus what % gets allocated to these kinds of investments? Do you consider private investments to be th...
by manlymatt83
Wed May 20, 2020 12:28 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 3308
Views: 246802

Re: Small Cap Value heads Rejoice !!!

So I see many replacing SLYV with AVDV and DLS with AVUV. What about DGS allocations?
by manlymatt83
Tue May 19, 2020 9:51 am
Forum: Investing - Theory, News & General
Topic: Fans of VTWAX, what do you think of REITs?
Replies: 2
Views: 360

Fans of VTWAX, what do you think of REITs?

In theory, someone holding 100% VTWAX means they're holding the entire global market allocated by total market cap. Add in BNDW, and you've now got allocation to the world's offering of diversified bonds. One common thing I see in "lazy" portfolios is a REIT allocation as the first slice t...
by manlymatt83
Tue May 19, 2020 12:21 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 32856

Re: VTSAX or VTWAX over the next 35 years?

PackersFan12 wrote: Tue May 05, 2020 2:27 pm Bumping this to see if there are any other opinions.
I am 100% VTWAX and happier because I don’t have to think about where I put my money. Does that help?