Search found 1514 matches

by Ice-9
Wed Nov 05, 2008 4:20 pm
Forum: Personal Investments
Topic: What about the value premium?
Replies: 10
Views: 2702

Altruist Financial Advisors, whose website includes the helpful DFA v Vanguard chart that is so often cited on this forum, seem to think Vanguards Small Value fund isn't small enough or valuey enough to be their top recommendation. Their top pick for small value, the Rydex S&P SmallCap Pure Valu...
by Ice-9
Tue Nov 04, 2008 6:56 pm
Forum: Investing - Theory, News & General
Topic: Expect foreign equity markets to tank on Wednesday
Replies: 13
Views: 3429

Expect foreign equity markets to tank on Wednesday

And it will be all my fault. :lol: While rebalancing and tax loss harvesting across several accounts today, I tried to take the opportunity simultaneously to relocate some funds according to which asset classes are better suited for taxable/retirement accounts. Well, in making approximately ten tota...
by Ice-9
Mon Nov 03, 2008 3:25 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds: buy now or wait until November?
Replies: 82
Views: 15983

The new fixed rate is just too low to be attractive for the long-term, and I don't think the 0.7% I Bond would be even a worthy alternative to a 1-year CD right now for most people. Here's my logic: We know that the initial six-month period for the current 0.7% I Bonds will have a relatively high in...
by Ice-9
Mon Nov 03, 2008 2:24 pm
Forum: Personal Investments
Topic: Vanguard GNMA
Replies: 3
Views: 2084

It isn't perfect, but Vanguard's GNMA fund (VFIIX) performance has been similar to IShares mbs fixed-rate ETF (MBB), which owns Fannie and Freddie bonds in addition to GNMA. Note: Only one of the top ten holdings of MBB is actually a GNMA. But because MBB is mostly (if not all) mortgage debt, it wil...
by Ice-9
Mon Nov 03, 2008 1:18 pm
Forum: Investing - Theory, News & General
Topic: Wash Sale
Replies: 7
Views: 1521

mincemeat, While I am not a tax professional, I'm pretty sure that violates the wash sale rule. If you were to claim the loss and then were audited, would you feel comfortable defending the case that the ETF is not "substantially identical" to the fund? Same holdings in the same proportion...
by Ice-9
Tue Oct 28, 2008 11:29 am
Forum: Personal Investments
Topic: Dump ibonds for TIPS?
Replies: 13
Views: 2969

I-bonds are tax-deferred.

TIPS are what you're thinking of with the "phantom" imputed interest you must report each year.

ETA: Rager1 beat me to it
by Ice-9
Tue Oct 28, 2008 10:02 am
Forum: Investing - Theory, News & General
Topic: What percent of your bond allocation is in TIPS, and why?
Replies: 15
Views: 2870

50%.

The other 50% is Total Bond Market, but at some point I may replace that 50% with short to intermediate term treasuries, as I'm currently reading Larry Swedroe's bond book.

I also have a good chunk of my non-retirement savings in I-bonds and, after yesterday's 3.27% auction, 5-year TIPS.
by Ice-9
Mon Oct 27, 2008 10:58 am
Forum: Personal Investments
Topic: If you're not retiring soon, what's your retirement AA?
Replies: 25
Views: 5407

Age 35 estimated retirement at age 65 Current AA: 84% equity / 16% fixed Broken down as follows: 21% US Large Blend 7% US Large Value 7% US Extended Market 7% US Small Value 7% US Ultra Small (BRSIX) 7% US REIT 14% Int'l Large Blend 7% Int'l Large Value 7% Int'l Emerging Markets 7% US Bond Aggregate...
by Ice-9
Fri Oct 24, 2008 12:18 pm
Forum: Investing - Theory, News & General
Topic: Any buyers out there II?
Replies: 58
Views: 9602

How convenient that my bi-weekly paycheck and thus retirement contributions will have coincided with market lows twice in a row.

Now that I said that, of course my next two paychecks will coincide with relative highs. :lol:
by Ice-9
Fri Oct 24, 2008 11:59 am
Forum: Investing - Theory, News & General
Topic: Bridgeway Newsletter "How to survive..."
Replies: 10
Views: 2755

Do we have some Scottish golf fans on this board? :D

Colin Montgomery vs John Montgomery
by Ice-9
Fri Oct 24, 2008 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you use cash back credit cards?
Replies: 88
Views: 27563

I use three:

(1) Chase Rewards - 5% cash back on groceries, gas, and drug stores (unfortunately changing to 3% soon...)

(2) Chase Business - 3% cash back at office supply stores, hardware stores, and restaurants

(3) Discover - 5% cash back on something different every three months
by Ice-9
Fri Oct 24, 2008 11:15 am
Forum: Personal Investments
Topic: Timber REIT in Roth IRA?
Replies: 5
Views: 2082

Here's the tax information on their web site. Paul Good resource. These distributions are classified as follows for income tax purposes: $0.000 (0.0000%) per share is classified as Non-dividend Distribution (return of capital) and $1.680 per share (100.0000%) is classified as Capital Gain Distribut...
by Ice-9
Thu Oct 23, 2008 2:45 pm
Forum: Personal Investments
Topic: should i tlh into etfs?
Replies: 10
Views: 2204

In addition to the excellent points from BogleHoo, I just wanted to point out a short-term complication when TLH into an ETF from a Vanguard fund. If you exchange from one open end fund to another when harvesting tax losses, you are guaranteed the close of business NAV as both your buy and sell pric...
by Ice-9
Wed Oct 15, 2008 12:47 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: TIPS over 3.1%
Replies: 172
Views: 39947

Re: Liquidity Issues

Doc, unless it's a typo on the NYT website, that article is 11 years old.
New York Times wrote:By FLOYD NORRIS
Published: October 16, 1997