Search found 453 matches

by robertalpert
Sat Nov 16, 2013 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard have a test portfolio feature ?
Replies: 6
Views: 990

Re: Does Vamguard have a test portfoilo feature ?

Some do not like the Vanguard's portfolio analysis feature because it classifies some assets differently then other asset allocation models (eg Morningstar). Vanguard's program is detailed with domestic assets, showing cap / style allocation. It shows percentages of domestic to international; but do...
by robertalpert
Sat Nov 16, 2013 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard have a test portfolio feature ?
Replies: 6
Views: 990

Re: Does Vamguard have a test portfoilo feature ?

Yes, but you need to have a Vanguard account. Within the vanguard account to the link "portfolio analysis". This gives asset allocation information. Then to the link "portfolio tester tool". The testing screen shows the current investments and you input dollar additions or subtra...
by robertalpert
Mon Nov 11, 2013 12:51 am
Forum: Personal Investments
Topic: Dan Wiener Independent Advisor for Vanguard Investors
Replies: 45
Views: 18696

Re: Dan Wiener Independent Advisor for Vanguard Investors

Reading any of the books on Lady Greeks booklist is a good place to start. I think with $15K, the three or four fund portfolio is not very practical because you would end up with roughly equal weights for each fund, leaving not much flexibility to choose allocations that make sense. Using ETFs could...
by robertalpert
Sat Nov 09, 2013 1:50 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's "Philosophical Disagreement" with Eugene Fama
Replies: 104
Views: 12089

Re: John Bogle's "Philosophical Disagreement" with Eugene Fa

umfundi wrote:Efficient does not mean rational.

Keith
Efficient may be akin to reliability of information about price of securities. But given the herd behavior of buyers, that is far different from validity (the security's actual worth).
by robertalpert
Thu Nov 07, 2013 1:58 am
Forum: Investing - Theory, News & General
Topic: Index Funds vs Individual Stocks
Replies: 62
Views: 13678

Re: Index Funds vs Individual Stocks

I've been reading up and i'm pretty sold on the Boglehead way when it comes to active vs passive funds. There is a lot of literature, studies and basic mathematical logic behind it (Basically the fees are what kills that form of investing) so i believe that can be put to rest. What i'm trying to un...
by robertalpert
Wed Oct 23, 2013 11:35 pm
Forum: Personal Investments
Topic: Bar/Bat Mitzvah - where to invest money [received]
Replies: 7
Views: 1368

Re: Bar/Bat Mitzvah - where to invest money [received]

Mazel Tov. Just open taxable accounts for them at Vanguard as you may be able to hook them into learning about investments. They may want a few individual stocks in companies that interest them. Beyond that use ETFs for three fund portfolio. Or considering their low-tax bracket --- could even use a ...
by robertalpert
Sat Oct 19, 2013 8:36 pm
Forum: Personal Investments
Topic: Vanguard, Schwab or Fidelity [recommend a discount broker]
Replies: 31
Views: 5296

Re: Vanguard, Schwab or Fidelity [recommend a discount broke

Back in the days when half my funds were vanguard and half were fundamental indexes, I liked having combo of Fidelity and Vanguard. When I finally tallied up my transaction costs from rebalancing too many funds between two brokers ... then vanguard lowered transaction costs and ER's; I merged all to...
by robertalpert
Sat Oct 19, 2013 7:36 pm
Forum: Investing - Theory, News & General
Topic: Longleaf Funds
Replies: 14
Views: 4605

Re: Longleaf Funds

Would also like to see analysis / commentary about sequoia-Sequx, Wellington-Vwelx, Wellesley-Vwinx
by robertalpert
Wed Oct 16, 2013 11:13 pm
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 8745

Re: VG funds merging and other related fund news

gkaplan wrote:That reduction in purchase and redemption fees for Vanguard FTSE All World ex-US Small-Cap Index Fund is the item of greatest interest to me.

If only this were combined with the offering of an admiral share class sibling for VSS.
Any guesses about the chances of that happening?
by robertalpert
Tue Oct 15, 2013 12:33 am
Forum: Personal Investments
Topic: Full portfolio transfer to vanguard,new allocation n 401k ?s
Replies: 4
Views: 945

Re: Full portfolio transfer to vanguard,new allocation n 401

5. I'm not 100% on moving everything over yet. I also recently spoke with an advisor from personal capital. They charge a 0.95% fee and require 100k min. His recommended allocation for me is : 52.5% domestic equities, 22.5% international, 8.1% domestic fixed income, 3.5% foreign fixed income and 12...
by robertalpert
Sun Oct 13, 2013 8:12 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 157514

Re: My New Car Buying Tips

Sounds like a great way to do it. If you belong to a credit union with low interest rate, it is best to get financing ahead of time before you ever get the first bid. When the dealer cannot beat the credit union interest rate from his portfolio of local banks, he may offer a lower rate with manufact...
by robertalpert
Sun Oct 13, 2013 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Philosophy and Lack of Certainty
Replies: 33
Views: 4727

Re: Philosophy and Lack of Certainty

Philosophy I think is a search for truth, but certainty may not be the truth. For example the deterministic universe versus quantum universe (uncertainty principle). In similar manner, we feel certain about things that were honed by cultural norms. Then culture changes, norms are overturned and fact...
by robertalpert
Fri Oct 11, 2013 11:30 am
Forum: Personal Consumer Issues
Topic: .
Replies: 16
Views: 2450

Re: Best washing machine settings

Have you cleaned out your washing machine pump? You may be holding stagnant water/bacteria/gunk in there. I have (on occasion) run the clean-tub cycle using only chlorine bleach. That combined with cleaning the "pump filter". Do these procedures also clean the pump itself? Can the pump be...
by robertalpert
Fri Oct 11, 2013 10:38 am
Forum: Personal Consumer Issues
Topic: .
Replies: 16
Views: 2450

Re: Best washing machine settings

Have you cleaned out your washing machine pump? You may be holding stagnant water/bacteria/gunk in there. I have (on occasion) run the clean-tub cycle using only chlorine bleach. That combined with cleaning the "pump filter". Do these procedures also clean the pump itself? Can the pump be...
by robertalpert
Fri Oct 11, 2013 10:22 am
Forum: Personal Consumer Issues
Topic: .
Replies: 16
Views: 2450

Re: Best washing machine settings

If germs are an issue, then yes use bleach about 2 tablespoons or if we are talking something serious (like confirmed influenza), 1/4 cup. The biggest energy/environmental impact bleach has is the cost of transporting it. Bleach breaks down pretty quickly into just salt, so make sure your bleach is...
by robertalpert
Tue Oct 08, 2013 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Mandatory Contribution count as "savings"
Replies: 11
Views: 1630

Re: Mandatory Contribution count as "savings"

Thanks. I guess I was seeing if there are any guidelines that people follow when they proclaim a savings rate of XX%. I know it's a round number, but it means a lot to me because I'm trying to follow the 50/30/20 plan I read somewhere and I'm just not sure that it would follow the "rules"...
by robertalpert
Sun Oct 06, 2013 9:08 pm
Forum: Investing - Theory, News & General
Topic: Has anyone added a Foreign Bond position
Replies: 41
Views: 5033

Re: Has anyone added a Foriegn Bond position

My portfolio is 75% stock / 25% bond with tilt toward large-cap value and toward small-cap blend. My bond portion includes about 60% intermediate investment grade; 20% Total Bond; and 20% total international bond Since I am 73 years old I have tried to emulate (with minor modifications) the retireme...
by robertalpert
Sat Oct 05, 2013 11:50 pm
Forum: Investing - Theory, News & General
Topic: Covestor: "Why active management is better than passive"
Replies: 15
Views: 3128

Re: Covestor: "Why active management is better than passive"

Their one or two year history tells it all. It's pure chance. An appropriate criteria for active management would be with outperformance longer than 40-years. Not many funds have lasted that long, let alone outperformed that long. When I pass my 100th birthday, I'll check back on his fund to see if ...
by robertalpert
Sat Oct 05, 2013 10:37 pm
Forum: Personal Investments
Topic: asset allocation input
Replies: 3
Views: 451

Re: asset allocation input

Consider a larger bond allocation, perhaps 20 to 25%. Perhaps an even split between (total bond & Investment grade).

To simplify, may also consider using a single fund only: Life strategy growth VASGX
by robertalpert
Wed Oct 02, 2013 8:42 am
Forum: Personal Investments
Topic: Creating more tax-advantaged space for "HNW" TIPS...ideas..
Replies: 44
Views: 4191

Re: Creating more TAX-ADVANTAGED space for "HNW" TIPS...idea

Method 1. Super-invested 529s: The idea is to maximally overfund your 529s for your children. It would more than cover my children's college. Additionally, since I'm sure I'll be helping out my kids and other family when I can, it allows me to fund the grandkids college (and nieces/nephews) as well...
by robertalpert
Sat Sep 28, 2013 3:17 pm
Forum: Personal Investments
Topic: Allocation for a $2.5 million portfolio? Opinions welcome!
Replies: 18
Views: 3290

Re: Allocation for a $2.5 million portfolio? Opinions welcom

If / when the opportunity for tax loss harvesting occurs, consider not replacing the harvested funds with other funds. Since TLH necessitates selling at a loss, that means selling low. That's the ideal time to add to the asset class that was TLH'd. So I am not sure what this advice is all about oth...
by robertalpert
Sat Sep 28, 2013 2:31 pm
Forum: Personal Investments
Topic: Allocation for a $2.5 million portfolio? Opinions welcome!
Replies: 18
Views: 3290

Re: Allocation for a $2.5 million portfolio? Opinions welcom

If / when the opportunity for tax loss harvesting occurs, consider not replacing the harvested funds with other funds. But instead live off the tax loss harvest proceeds and put ALL earned income into a combination of Roth 401-k / SEP IRA / back-door Roth IRA. The future IRAs could hold tax ineffici...
by robertalpert
Fri Sep 27, 2013 9:47 pm
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 5451

Re: Best/Favorite ipad Apps

Why not just copy the link from the browser and paste into your mail message? Yes, I can copy and paste the text of the link, but it does not result in hyperlink format. The recipient will need to re-copy and re-paste link into the browser address field. It is not a "touchable" hyperlink.
by robertalpert
Fri Sep 27, 2013 8:42 pm
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 34
Views: 5451

Re: Best/Favorite ipad Apps

Have been using an Ipad for past few months. But one of my pet peaves is not being able to create a hyperlink within an email. Am I missing something obvious?
by robertalpert
Sat Aug 31, 2013 3:01 pm
Forum: Investing - Theory, News & General
Topic: a screening variable for picking an active fund?
Replies: 4
Views: 513

Re: a screening variable for picking an active fund?

The study is invalid due to the short timeframe (2012). This year's winners are next years loosers. If they did a study with timeframe of 40+ years, then that would a little more interesting.
by robertalpert
Fri Aug 30, 2013 11:43 pm
Forum: Personal Investments
Topic: Frustration with Vanguard
Replies: 21
Views: 5742

Re: Frustration with Vanguard

I also manage my and my wife's investment accounts. A few years ago, arranged for "limited authority" to act on her accounts. But after reading your thread, concluded that perhaps it would also be good to grant wife similar "limited authority" on my accounts. Even though she is n...
by robertalpert
Sat Aug 24, 2013 7:13 pm
Forum: Investing - Theory, News & General
Topic: Is there a need to diversify into international bonds?
Replies: 12
Views: 1592

Re: Is there a need to diversify into international bonds?

In stocks and bonds alike, it is good to either choose diversity to get the return of the market. Or to reject diversity (and choose concentration / individual issues) to attempt to beat the market.

I chose diversity and bought international bond fund.
by robertalpert
Fri Aug 23, 2013 9:14 pm
Forum: Personal Investments
Topic: Which 529 plan?
Replies: 22
Views: 3649

Re: Which 529 plan?

Utah has very low ER costs and also has both Vanguard and DFA funds available.

I personally chose Ohio529 because among their Vanguard funds include Wellington, Extended-market, and a few others.
I am an Ohio resident.
by robertalpert
Fri Aug 23, 2013 1:25 pm
Forum: Personal Investments
Topic: Pension proceeds in Asset Allocation
Replies: 7
Views: 1031

Re: Pension proceeds in Asset Allocation

An annuity might be expressed as a lump sum. But you cannot easily liquidate an annuity for the purpose of re-balancing a portfolio. (Perhaps with J.G. Wentworth --- but the cost would be prohibitive.) The right pension (annuity) may be very worthwhile having if it has components {such as inflation ...
by robertalpert
Thu Aug 22, 2013 4:00 pm
Forum: Personal Investments
Topic: VWENX Thoughts?
Replies: 16
Views: 2485

Re: VWENX Thoughts?

Call_Me_Op wrote: I would also tend to doubt that it has "consistently out-performed relevant indexes." It is more likely that you are not looking at the right indexes.
Is there an example of an Index-fund with large value combined with intermediate term corporate bond?
by robertalpert
Wed Aug 21, 2013 10:30 pm
Forum: Personal Investments
Topic: in kind transfers
Replies: 5
Views: 1107

Re: in kind transfers

Tax bracket and a desire for tax simplicity may affect the decision. If you pay 15% on taxable gain that one-time cost comes to about $2250. If your tax bracket is low, you may pay $0 on taxable gain. By replacing your funds with ER of 1.6% with other funds with ER of 0.1%, that ER savings comes to ...
by robertalpert
Sun Aug 11, 2013 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Principles for the Wife
Replies: 19
Views: 2495

Re: Boglehead Principles for the Wife

pastafarian wrote: Nisiprius has an excellent technique of getting his spouse to periodically execute an online transaction just for familiarity. I'm adopting that.
Can you be more specific, or perhaps link that post?
by robertalpert
Wed Aug 07, 2013 9:37 am
Forum: Personal Investments
Topic: Worth it to take huge cap gains to rebalance?
Replies: 25
Views: 2792

Re: Worth it to take huge cap gains to rebalance?

I was 75%/25%... so I modified my allocation to 70/30 so I could sleep at night. With the recent run-up, I'm about 72/28. Already that is starting to make me nervous - although it hasn't hit my rebalancing band which I set at 75/25. Capital gains aside, I think your allocation is still too aggressi...
by robertalpert
Tue Aug 06, 2013 10:09 pm
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2290

Re: VFSUX vs. VMMXX

Spending 90% of my time worrying about 2% of the portfolio does not sound like fun. I wouldn't do that either, but how about spending 5 minutes a year on this? :) Found this: quote="kenyan"] For this discussion, I will define precisely a "really bad day" in an ETF as a drop of a...
by robertalpert
Tue Aug 06, 2013 8:49 am
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2290

Re: VFSUX vs. VMMXX

Hamishdad: I not sure i understand when you mentioned using VSFUX (short-term investment grade) for tax loss harvesting. I thought TLH was more for funds like VSS (international small-cap). Do you have a need for holding TLH candidates? Hi Robertalpert, I was trying to decide where to park some mon...
by robertalpert
Tue Aug 06, 2013 12:32 am
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2290

Re: VFSUX vs. VMMXX

One may ask: If this works so well, why don't you do this with more money? The answer is that one cannot do this in a 401(k) nor at Vanguard where there are frequent trading restrictions nor in a taxable account. So I can only do this with a portion of the short-term bond money. Perhaps these restr...
by robertalpert
Mon Aug 05, 2013 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's the best way to purchase service years?
Replies: 7
Views: 849

Re: What's the best way to purchase service years?

You might consider purchasing time post-tax instead of pre-tax. At least in Ohio public service, when buying time with pre-tax, the buyer becomes locked into an unchangable purchase schedule. But purchase post-tax, then have more options. For example, post-tax time purchasers can continue to buy tim...
by robertalpert
Sat Aug 03, 2013 7:19 pm
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2290

Re: VFSUX vs. VMMXX

livesoft wrote:So far this year, I'm up 10% on the VCSH money with this strategy.


Do you know how much you're up in the long term with this strategy (5-years; 10-years; longer)?
by robertalpert
Sat Aug 03, 2013 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for a car using funds in Vanguard
Replies: 24
Views: 2805

Re: Paying for a car using funds in Vanguard

When we bought a new toyota four years ago, we paid the downpayment with two separate personal checks (same day). One from our bank, the other was vanguard check. I was afraid that transferring funds (and using one check) would result in bounced check if cashed before transfer completed. Car dealer ...
by robertalpert
Sat Aug 03, 2013 11:02 am
Forum: Personal Investments
Topic: Actively Managing A Personal Account
Replies: 12
Views: 885

Re: Actively Managing A Personal Account

A very interesting thread.
by robertalpert
Sat Aug 03, 2013 10:49 am
Forum: Investing - Theory, News & General
Topic: VFSUX vs. VMMXX
Replies: 12
Views: 2290

Re: VFSUX vs. VMMXX

No one can answer that question because it would require predicting the future. FWIW, I don't use either of them. Instead I use VCSH which is Vanguard's short-term corporate bond index fund. And I trade from VCSH to VBR and/or VWO, then back whenever there is a clear signal to make money. So far th...
by robertalpert
Tue Jul 09, 2013 11:48 pm
Forum: Personal Investments
Topic: Withdrawing Funds From a Muni Fund: Taxable?
Replies: 11
Views: 1397

Re: Withdrawing Funds From a Muni Fund: Taxable?

Scrabbler1:

In your experience, what impact does the 2012 rules (brokers tracking share lots) have on simplifying tax issues with bond fund checking?
by robertalpert
Tue Jul 09, 2013 10:37 pm
Forum: Personal Investments
Topic: Withdrawing Funds From a Muni Fund: Taxable?
Replies: 11
Views: 1397

Re: Withdrawing Funds From a Muni Fund: Taxable?

I also would like to replace prime mm with perhaps a short term muni fund (less volatility).

Would using average cost basis help simplify the tax issue?

Would using a high yield checking account (at a bank) create similar tax issues as using a muni bond fund for checking at Vanguard?
by robertalpert
Sat Jul 06, 2013 6:47 pm
Forum: Investing - Theory, News & General
Topic: When can we expect to see savings account yields rise?
Replies: 17
Views: 2454

Re: When can we expect to see savings account yields rise?

When money market rates far exceed bank cd rates. Otherwise, banks have absolutely no incentive to raise savings interest. Perhaps a decade.
by robertalpert
Sat Jun 22, 2013 11:17 pm
Forum: Personal Consumer Issues
Topic: At Cost Cafe Home delivery
Replies: 23
Views: 2587

Re: At Cost Cafe Home delivery

It can be found by googling "vanguard logo merchandise".

(Haven't quite figured how to copy / paste a link yet on this iPad ).
by robertalpert
Fri Jun 21, 2013 8:55 pm
Forum: Investing - Theory, News & General
Topic: VG Intl Bond Fund ETF Holdings (BNDX)
Replies: 4
Views: 1031

Re: VG Intl Bond Fund ETF Holdings (BNDX)

Perhaps the assets have not yet been internationally invested as yet as the fund is just starting out. it is curious, the "portfolio" area seems to say over 69% of assets are US government.
by robertalpert
Thu May 30, 2013 10:42 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation for those with a defined benefit pension
Replies: 24
Views: 2747

Re: Asset Allocation for those with a defined benefit pensio

If still working, you don't actually have the pension yet. But you could treat that portion that is already vested as a done deal. If there are no heirs, then best to adjust asset allocation toward the conservative direction because you have reduced need for aggressive allocation as you approach ret...
by robertalpert
Tue May 21, 2013 10:34 pm
Forum: Investing - Theory, News & General
Topic: The Best 529 Plans - Allan Roth
Replies: 29
Views: 4216

Re: The Best 529 Plans - Allan Roth

I looked at Utah too, but ended up at Ohio at the time. I'm in around 24-25 basis points using their "core" index options, although the one drawback is that they only have the int'l developed markets index. I think they should move to the TISM. However, OH does sell those active funds too...
by robertalpert
Mon May 13, 2013 9:47 am
Forum: Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 7935

Re: 401K no index funds?

In addition to the er's these may have sales loads up to 5.75 percent according to the first paragraph. May not be worthwhile investing beyond the company match.