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Frugal Headlines powered by stingyinvestor.com

 06/25   Cost versus convenienceIndexing 
 06/25   CPP MemoRetirement 
 06/19   John Oliver: retirement plansBrokers 
 06/11   Equally weightedStingy Investing 
 06/11   Housing bubbleReal Estate 
 06/11   Debt buyersDebt 

Frugal News

Cost versus convenience
06/25/16   12:12 PM ESTIndexing
"if you also factor in the management expense ratios, the total cost of VXC in a retirement account is 0.71%, compared with just 0.19% for the US-listed ETFs"
More Indexing: The high price of low vol
Popular at a price

CPP Memo
06/25/16   12:09 PM ESTRetirement
"It has come to our attention that you are not saving sufficiently for your retirement. This does not surprise us. We haven't saved sufficiently for our retirement either. Some of us have made enough money in the housing market to be relatively comfortable, and a good number of us have workplace pensions. Low-income Baby Boomers will be protected by Old Age Security, Guaranteed Income Supplement and the Canada Pension Plan. But middle-income Baby Boomers without workplace pensions - people making $60,000 or $80,000 a year - are facing a big drop of their standard of living upon retirement."
More Retirement: Life of Riley Index
Fortunes you can't control

John Oliver: retirement plans
06/19/16   11:17 AM ESTBrokers
"Saving for retirement means navigating a potential minefield of high fees and bad advice." [video]
More Brokers: G&M broker ranking
Retail financial advice

Equally weighted
06/11/16   9:08 PM ESTStingy Investing
"The idea of heading to the beach has some of us indulging in a little last-minute dieting in an effort to shave off a few pounds before hitting the water. Weight also matters to investors when it comes to how they divvy up their portfolios." [$]
More Stingy Investing: Bonds bomb
The Top 200 Canadian Stocks for 2016

Housing bubble
06/11/16   9:05 PM ESTReal Estate
"Know a bad deal when you see one. Overextending yourself just to get a piece of the real estate action in Vancouver or Toronto is not just a bad deal, it could spell your financial doom."
More Real Estate: Where can you afford to live?
Canada's real estate problem

Debt buyers
06/11/16   9:01 PM ESTDebt
"Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it" [video]
More Debt: We still have a buck in the till
Hate debt again

Bonds bomb
06/04/16   10:12 PM ESTStingy Investing
"In other words, it seems likely that bonds will barely break even or lose ground on an after-fee, after-tax, and after-inflation basis over the next little while"
More Stingy Investing: The Top 200 Canadian Stocks for 2016
The Top 500 U.S. Stocks for 2016

Indexing and small-caps
06/04/16   9:48 PM ESTMarkets
"the 15 most popular small-cap-heavy ETFs have traded 3.6 times more than the average dollar volume of the 100 largest members of the Russell 2000 small-cap index over the past three months"
More Markets: High multiples for sales
The dead model

Two-star managers
06/04/16   9:44 PM ESTBehaviour
"When I said I would love an interview series with 2-star fund managers, the most common response was 'just go watch the 5-star interviews from a few years ago.'"
More Behaviour: Why humans run the world
Cleaning up La Paz

Why Americans don't trust government
05/29/16   8:01 PM ESTGovernment
"Though the bridge took only 11 months to build in 1912, it will take close to five years to repair today at a huge cost in dollars and mass delays."
More Government: How politicians poisoned statistics
A debt of choice

The high price of low vol
05/08/16   7:28 PM ESTIndexing
"If you buy a 'low-volatility' fund, make sure you're comfortable paying a higher price. That's the warning that emerges from the surge in popularity of funds specializing in stocks that fluctuate less than the stock market as a whole."
More Indexing: Popular at a price
Minimum volatility investors beware

Popular at a price
05/01/16   1:18 PM ESTIndexing
"BlackRock hasn't just ignored the fee war. It has raised EEM's fee - a practically unheard move for an ETF. EEM used to charge 0.67 percent. Now it charges 0.69 percent - a rare case when a popular ETF charges more than (gasp) the average active mutual fund."
More Indexing: Minimum volatility investors beware
The curse of the Dow

Minimum volatility investors beware
04/24/16   8:08 PM ESTIndexing
"If the long-term benefits of Low Vol investing are actually associated with some sort of Value premium, then current Low Vol investors should beware. Valuation for Low Vol stocks is expensive. A once good idea has run its course. All of the research I have done or reviewed suggests that high current valuation leads to low future return. Valuations on Low Vol have risen substantially in just the last few years. Based on the PE ratio, USMV is 80% more expensive than it was when it launched. In a best case scenario, Low Vol seems destined for mediocre future returns. In a worst case, the correlations and volatilities underlying the ETF's holdings could change quickly, providing an unexpected return profile for investors whose expectations have been managed for downside protection."
More Indexing: The curse of the Dow
How indexing changes indexes

How politicians poisoned statistics
04/24/16   7:41 PM ESTGovernment
"Perhaps the lies aren't the real enemy here. Lies can be refuted; liars can be exposed. But bullshit? Bullshit is a stickier problem. Bullshit corrodes the very idea that the truth is out there, waiting to be discovered by a careful mind. It undermines the notion that the truth matters. As Harry Frankfurt himself wrote, the bullshitter 'does not reject the authority of the truth, as the liar does, and oppose himself to it. He pays no attention to it at all. By virtue of this, bullshit is a greater enemy of the truth than lies are.'"
More Government: A debt of choice
Trump's business disaster

The wrong kind of savings
04/24/16   7:38 PM ESTBonds
"Negative interest rates are surely a sign that something is wrong with an economy. Normally, people have to be rewarded if they are to be induced to postpone consumption. Penalising them for doing so seems perverse."
More Bonds: Bond returns imperilled
Bizarro world of negative interest

Chou Funds letter
04/10/16   9:27 PM ESTValue Investing
"It is hard for us to believe that RFP is trading as low as $4 per share."
More Value Investing: Alpha or assets
Is value coming back?

Alpha or assets
04/10/16   5:44 PM ESTValue Investing
"With fees lower across the board, scale becomes a more important consideration for asset managers when deciding what strategies to offer the investing public. When fees fall, assets need to rise. For assets to rise across a business, the strategies offered need to be able to accommodate more invested money."
More Value Investing: Is value coming back?
Valuable losses

Trump, trade and the China shock
04/03/16   5:30 PM ESTWorld
"Freer trade has inflicted a more grievous toll than economists, myself included, had expected."
More World: Economic world history
Zombie factories

Curse of the benchmarks
04/02/16   10:52 PM ESTFunds
"Indeed, benchmark requirements coupled with short-term horizons, ironically, serve as poison for investors who allocate to active funds. The only solution is to marry active strategies with investors who are educated and can internalize the fact that sustainable active investing has to be difficult."
More Funds: Chasing returns
Sequoia sued over Valeant stake

When trading detracts from alpha
03/28/16   7:08 PM ESTMarkets
"Whether you decided to invest in actively managed funds, or you were forced to invest in them (maybe because of limited choices inside of corporate retirement plans), you should choose funds not only with low expense ratios, but also with low turnover rates. Those choices will at least reduce the very high odds against generating alpha (risk-adjusted outperformance)."
More Markets: How unique is your portfolio?
Stocks you shouldn't own

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