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Old 12-15-2007, 06:41 AM   #21
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... It's been a while since anything has looked like it might be better than vanguard indexes for me, so finding the DFA funds helped shake me up a bit mentally.
If you want more mental shake-up, you should see that Vanguard funds are not the way to go anymore. You should be using ETFs with lower-expense-ratios and better tax-efficiency than Vanguard mutual funds. Many of these ETFs are actually from Vanguard.
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Old 12-15-2007, 08:04 AM   #22
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If you want more mental shake-up, you should see that Vanguard funds are not the way to go anymore. You should be using ETFs with lower-expense-ratios and better tax-efficiency than Vanguard mutual funds. Many of these ETFs are actually from Vanguard.
That was what I originally intended to do but the volume of many of the index ETFs weren't that high and there was frequently a significant bid/ask spread. That's how I ended up with IWD and SPY. VB (sm cap) had a very low volume and a large spread on most days and that is where I decided to mix ETFs and traditional index funds.

Reinvesting dividends and rebalancing is certainly easier with traditional index funds.
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Old 12-15-2007, 08:59 AM   #23
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I mentioned "data mining" earlier. Here's one of the worst cases I've seen and its in Scott Burn's latest article.

The Art (and Benefit) of the ‘Steady Eddy’ Portfolio - Financial Investment

The "research" showed that investing in commodities and REITs starting in 1970 improved portfolio performance and reduced risk. Except for a few blips the period from 1970 to now has been the era of higher commodity prices and increased real estate values. I'd like to see his research matching FIRECalc back to 1871.
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Old 12-15-2007, 10:18 AM   #24
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That was what I originally intended to do but the volume of many of the index ETFs weren't that high and there was frequently a significant bid/ask spread. That's how I ended up with IWD and SPY. VB (sm cap) had a very low volume and a large spread on most days and that is where I decided to mix ETFs and traditional index funds.
Good point... I've always been a bit troubled by the low trading volumes on my VXF ETF fund. Looking at the price graphs there are lots of straight lines where there were no trades.
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Old 12-15-2007, 08:16 PM   #25
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Thank you so much for the explanation of tax loss harvesting. I am looking at some stocks we've had for a long time with a new understanding.
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