Search found 295 matches

by Liquid
Thu Feb 09, 2012 8:09 pm
Forum: Investing - Theory, News & General
Topic: how quickly things change
Replies: 6
Views: 993

Re: how quickly things change

Maybe it is just me, but it looks like everything is winning this year, per the chart anyways.
by Liquid
Thu Feb 09, 2012 7:45 pm
Forum: Investing - Theory, News & General
Topic: TBM vs. Treasuries
Replies: 19
Views: 1535

Re: TBM vs. Treasuries

Could have defaulted? Interesting use of the past tense of a modal verb. Big difference: Our government can print US dollars. Greece cannot print Euros. Professor Tlud Wig I presume. I am not sure the outcome of printing 160 Billion Euros would be much different from government default for the ever...
by Liquid
Thu Feb 09, 2012 7:23 pm
Forum: Investing - Theory, News & General
Topic: About to buy into US market.....
Replies: 7
Views: 1201

Re: About to buy into US market.....

Total international is much cheaper.
by Liquid
Thu Feb 09, 2012 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Lifecycle Investing Leverage Strategy Using LEAPS - How To?
Replies: 136
Views: 14674

Re: Lifecycle Investing Leverage Strategy Using LEAPS - How

PreserveCapital - If someone has a mortgage, I agree that such a person most likely has more leverage than they need. "can you provide any evidence that the S&P 500 leveraged 1.5 is likely outperform the expected return of SCV?" Liquid, the answer to your question is no. However, I would be very in...
by Liquid
Thu Feb 09, 2012 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: How Fortunate are You?
Replies: 27
Views: 3098

Re: How Fortunate are You?

One only has to look at the Boglehead net worth thread to realize that the average Boglehead is in the upper crust of fortune.
by Liquid
Thu Feb 09, 2012 6:56 pm
Forum: Investing - Theory, News & General
Topic: Are there skilled individual investors?
Replies: 155
Views: 13651

Re: Are there skilled individual investors?

Yes there are many skilled individual investors. You may find many of them at Bogleheads.org.
by Liquid
Thu Feb 09, 2012 6:38 pm
Forum: Investing - Theory, News & General
Topic: TBM vs. Treasuries
Replies: 19
Views: 1535

Re: TBM vs. Treasuries

Besides, if 50%/50% TIPS/TBM is good enough for Taylor, it's good enough for me. :) Doesn't make much difference. TBM is 70% govt bonds anyway. So by my math that makes 50%/50% TIPS/TBM only 15% non-government which is close enough to all Treasuries to be not very diverse despite the huge number of...
by Liquid
Thu Feb 09, 2012 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to determine my needed portfolio size
Replies: 13
Views: 1184

Re: Trying to determine my needed portfolio size

understandingJH wrote: This means the safe withdraw rate would be at 3.96%. Does that sound right?
There is no guarantee that this will in fact be safe.

http://www.fpanet.org/journal/CurrentIs ... awalRates/
by Liquid
Thu Feb 09, 2012 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2791

Re: 100 year investment

Remember too that at some point this 100-year portfolio will be 1 year away from being used. Do you want to be 100% in stocks during that last year? May want to include a provision that changes allocation every 25 years or so, or a provisison that at least reduces risk during the last 10-15 years; ...
by Liquid
Thu Feb 09, 2012 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2791

Re: 100 year investment

Remember, just because the money isn't needs for 100 years doesn't mean no one will look at the portfolio between now and then. Especially since the OP was considering small growth, which I assume was among last year's top performers, a little diversification goes a long way. I'm not aware of any i...
by Liquid
Wed Feb 08, 2012 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bing search
Replies: 31
Views: 3249

Re: Bing search

Google > Bing.
by Liquid
Wed Feb 08, 2012 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Blue Preferred 6% back on groceries
Replies: 21
Views: 3869

Re: Amex Blue Preferred 6% back on groceries

Spam is like cash in some circles.
by Liquid
Wed Feb 08, 2012 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Have you ever had analysis paralysis with investing?
Replies: 26
Views: 1876

Re: Have you ever had analysis paralysis with investing?

I wouldn't be questioning having held so much cash if the S&P were at 1100, for example, but my reaction at that time would then be to start investing. I am questioning having held so much cash as a result of missing the rise on and off over the last 2.5 years. If that spurs me to form a plan and p...
by Liquid
Wed Feb 08, 2012 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Putting $ Into Various Bond Funds. Am I Stupid?
Replies: 22
Views: 2410

Re: Putting $ Into Various Bond Funds. Am I Stupid?

PB wrote:Knowmad,

Can you say more about LifeStrategy funds and your investments going disproportionately towards most disfavored asset.

Thanks -
I believe he means auto-rebalancing.
by Liquid
Wed Feb 08, 2012 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2791

Re: 100 year investment

Risk seeker wrote:This same theme was discussed on the following thread regarding retail funds with the highest expected return:

http://www.bogleheads.org/forum/viewtopic.php?t=40891
Conclusion... global small-cap value.
by Liquid
Wed Feb 08, 2012 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2791

Re: 100 year investment

You're essentially investing like a university foundation from a time horizon perspective, but with the same limitations retail investors have (lack of access to top-flight hedge funds and private equity). I'd recommend using David Swensen's recommended AA from his book Unconventional Success, alth...
by Liquid
Wed Feb 08, 2012 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2791

Re: 100 year investment

soccerdad12 wrote:I was thinking of something with higher expected returns because I am not concerned at all about market swings. Vanguard small cap growth fund was my original thought.
Lowest expected return.
by Liquid
Wed Feb 08, 2012 9:08 pm
Forum: Investing - Theory, News & General
Topic: Playing It Safe as a Long-Term Strategy
Replies: 111
Views: 7832

Re: Playing It Safe as a Long-Term Strategy

Nothing ventured, nothing gained.
by Liquid
Wed Feb 08, 2012 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2791

Re: 100 year investment

Total world stock fund.
by Liquid
Wed Feb 08, 2012 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Putting $ Into Various Bond Funds. Am I Stupid?
Replies: 22
Views: 2410

Re: Putting $ Into Various Bond Funds. Am I Stupid?

Recommend short duration if bonds are a must. CDs, high rate savings accounts and I-bonds are other options.

This is disturbing though. Savers are forced to take more risk secondary to artificially low rates, then when savers have fully converted to bonds, the fed will raise rates. :?
by Liquid
Wed Feb 08, 2012 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of eating out
Replies: 75
Views: 8376

Re: Economics of eating out

Can't beat eating out, McDouble 1$.
by Liquid
Wed Feb 08, 2012 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts on owning gold stocks
Replies: 41
Views: 2595

Re: thoughts on owning gold stocks

Also of note, gold is a terrible assest class for most people. Few are prepared for a 20+ year holding periods with zero significant progress, and will sell. Currently when gold is at historic highs and should be sold, people are looking to buy.... Ability to hold for the long term is definitely im...
by Liquid
Wed Feb 08, 2012 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts on owning gold stocks
Replies: 41
Views: 2595

Re: thoughts on owning gold stocks

Also of note, gold is a terrible assest class for most people.

Few are prepared for a 20+ year holding periods with zero significant progress, and will sell.

Currently when gold is at historic highs and should be sold, people are looking to buy....
by Liquid
Wed Feb 08, 2012 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts on owning gold stocks
Replies: 41
Views: 2595

Re: thoughts on owning gold stocks

Gold is an investment that needs the least tax sheltering, in comparison to other assets, if you hold it long term. This is wrong to the best of my knowledge. Physical gold and the GLD etf are ALWAYS considered COLLECTIBLES. And subject to a 28% max tax rate no matter how long they are held. This i...
by Liquid
Wed Feb 08, 2012 6:56 pm
Forum: Investing - Theory, News & General
Topic: Credit Suisse Global Investment Returns Yearbook 2012
Replies: 3
Views: 611

Re: Credit Suisse Global Investment Returns Yearbook 2012

Thanks for sharing, this tome will take considerable time to digest.
by Liquid
Wed Feb 08, 2012 6:46 pm
Forum: Investing - Theory, News & General
Topic: [Poll]Which is better: Lumpsum or DCA?
Replies: 63
Views: 3252

Re: [Poll]Which is better: Lumpsum or DCA?

Lumpsum FTW. :beer





... unless market severely overvalued.

360k 7% x30yrs = 3.6M

12k/yr 13% x30yrs = 3.5M
by Liquid
Wed Feb 08, 2012 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: thoughts on owning gold stocks
Replies: 41
Views: 2595

Re: thoughts on owning gold stocks

I realize gold mining stocks have been outstanding over most of the past ten years. A fund that simply holds gold bullion, such as Central Gold Trust (symbol GTU), would probably act better as a pure stock diversifier. It held up reasonably well during 2008 when gold mining stocks went down with th...
by Liquid
Wed Feb 08, 2012 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How best to help brother financially
Replies: 35
Views: 3787

Re: How best to help brother financially

I have a brother in his mid 40's who's living on the edge financially. And would it ultimately make a difference, or would he just take whatever money I gave him and blow that as well? Any advice much appreciated! Yes he will blow it. :( You can only help someone who wants to be helped. Perhaps sug...
by Liquid
Wed Feb 08, 2012 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bubble Alert
Replies: 43
Views: 4254

Re: Bubble Alert

S&P does not look like a bubble yet, though it is not looking like a bargain either. :|
by Liquid
Tue Feb 07, 2012 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Use or save HSA?
Replies: 32
Views: 4162

Re: Use or save HSA?

Let the HSA grow!
by Liquid
Tue Feb 07, 2012 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends in Taxable: Reinvest or to Cash?
Replies: 13
Views: 2183

Re: Dividends in Taxable: Reinvest or to Cash?

Spending your dividends in accumulation is like kicking your IRA in the nads.
by Liquid
Tue Feb 07, 2012 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Small-cap international
Replies: 9
Views: 1072

Re: Small-cap international

Sammy_M wrote:In tax advantaged, Schwab's SFILX for developed and Wisdomtree's DGS for emerging. Both have a value orientation.

In taxable, I would just use Vanguard's VSS.
Good picks, we need more options for tax-efficient small value / international small value.
by Liquid
Tue Feb 07, 2012 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Low marginal utility of wealth portfolio
Replies: 21
Views: 2045

Re: Low marginal utility of wealth portfolio

I'd be very conservative about planning 20-25 years down the road. A lot can happen between now and then. Greek public sector workers couldn't legally be fired until a few weeks ago. I bet many of them wish they'd assumed the best, but planned for the worst. In any case, any allocation less than 10...
by Liquid
Tue Feb 07, 2012 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: David Swensen Quote
Replies: 8
Views: 1335

Re: David Swensen Quote

The problem, as Bob noted, is that too many endowment trustees think their boards are composed of "incredibly high-qualified professionals" who have Yale-type skill at picking active managers. Just try to tell them otherwise. Rick Ferri Most individual investors believe they have access to "incredi...
by Liquid
Tue Feb 07, 2012 2:26 pm
Forum: Investing - Theory, News & General
Topic: FIDDelity or FYEdelity?
Replies: 32
Views: 2163

Re: FIDDelity or FYEdelity?

Fid FTW.
by Liquid
Tue Feb 07, 2012 1:36 pm
Forum: Investing - Theory, News & General
Topic: Why is it so darn hard to be a "Couch Potato" investor?
Replies: 45
Views: 4850

Re: Why is it so darn hard to be a "Couch Potato" investor?

The race begins the first day we earn a buck and ends the day we die. There are always just two runners in the race, you and Mr. Market. If you finish the race with a few bucks in your pocket you’re a winner. It’s just that simple. Some of us are athletic investors and workout with our investment p...
by Liquid
Tue Feb 07, 2012 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lifecycle Investing Leverage Strategy Using LEAPS - How To?
Replies: 136
Views: 14674

Re: Lifecycle Investing Leverage Strategy Using LEAPS - How

CJKing, you may be using leverage. If your tax privileged accounts are based on tax deferral, then that is leverage. Similarly, anyone engaging in tax loss harvesting is trying to increase tax deferral. Tax deferral is the equivalent of getting an interest free noncallable loan from the government....
by Liquid
Tue Feb 07, 2012 11:03 am
Forum: Investing - Theory, News & General
Topic: Future inflation estimates
Replies: 39
Views: 2609

Re: Future inflation estimates

When you guys say that you plan in "real dollars" but do not require an inflation estimate, what do you mean? It seems "real dollars" implies inflation estimation. For estimating spending: If you're spending $20,000 today, estimate that you'll keep spending $20,000. Adjust if you expect to buy more...
by Liquid
Tue Feb 07, 2012 10:51 am
Forum: Investing - Theory, News & General
Topic: Future inflation estimates
Replies: 39
Views: 2609

Re: Future inflation estimates

When looking at retirement income, my greatest variable is the inflation factor. You don't try to estimate inflation. You make your calculations in today's dollars. After all your expenses can really only be a meaningful estimate in real dollars also. If you retired today with your kids out of coll...
by Liquid
Tue Feb 07, 2012 10:33 am
Forum: Investing - Theory, News & General
Topic: Future inflation estimates
Replies: 39
Views: 2609

Re: Future inflation estimates

When you guys say that you plan in "real dollars" but do not require an inflation estimate, what do you mean? It seems "real dollars" implies inflation estimation.
by Liquid
Tue Feb 07, 2012 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's 7 Baby Steps
Replies: 21
Views: 3125

Re: Dave Ramsey's 7 Baby Steps

Seems like reasonable advice. His investment advice on the other hand leaves a lot to be desired.
by Liquid
Tue Feb 07, 2012 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Lots of cash, help defining a new plan
Replies: 34
Views: 3516

Re: Lots of cash, help defining a new plan

Lump sum into international which is still cheap, unlike S&P 500.
by Liquid
Mon Feb 06, 2012 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund for a three year old
Replies: 2
Views: 397

Re: Best fund for a three year old

Vanguard Total World Stock Index.
by Liquid
Mon Feb 06, 2012 12:05 pm
Forum: Investing - Theory, News & General
Topic: Facebook IPO will be the biggest disaster in IPO history
Replies: 151
Views: 15870

Re: Facebook IPO will be the biggest disaster in IPO history

Even if Facebook is some sort of phase change or revolution, this does not mean that early investors will be successful. The only thing that revolutionary new companies guarantee is a high price. Please see history of airline and railroad investment... I'm not sure what you mean. Early investors ha...
by Liquid
Mon Feb 06, 2012 11:45 am
Forum: Investing - Theory, News & General
Topic: What's the Use of Wond'rin'?
Replies: 7
Views: 1200

Re: What's the Use of Wond'rin'?

Nice work!