Search found 1770 matches

Return to advanced search

Re: Does Asset Allocation beat the S&P 500?

Because 10 years is a very short amount of time. How do you think those numbers would look if the ten year period was 3/5/1999 to 3/5/2009? 10 years is a very long time in the life of a person. In my view the answer is simple. We just do not know what the future will bring and that is the main reas...
by Aptenodytes
Tue Apr 22, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Does Asset Allocation beat the S&P 500?
Replies: 67
Views: 2601

Re: What if a municipality invested

This will get locked very likely, but here it goes. It's a very bad idea. As a taxpayer, I have that money in my hands, if I wanted it invested I'd do it myself rather than have the city do it for me. There's no benefit that I can see even if the city manages well, and there's the big drawback that...
by Aptenodytes
Tue Apr 22, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: What if a municipality invested
Replies: 34
Views: 851

Re: looking at the 3 fund approach....2.3% 5 yr return ???

Which leads me to ask, does anyone know of an easy way to look at growth charts for custom portfolios? That would be a better way to look at performance. An even better way is not to look. Pick your portfolio based on your understanding of risk/return relationships and correlation. There's plenty o...
by Aptenodytes
Mon Apr 21, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at the 3 fund approach....2.3% 5 yr return ???
Replies: 19
Views: 2351

Re: Is Stopping SPAM on Yahoo Possible?

There are separate things going on that may be worth untangling. 1) Spammers ("spam" is not an acronym) may be sending more email to your Yahoo address than to your Gmail address. There are at least three ways such a differential might occur. Your Yahoo address might be easier for a robot ...
by Aptenodytes
Sun Apr 20, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Is Stopping SPAM on Yahoo Possible?
Replies: 17
Views: 851

Re: Please critique my 300k portfolio

Even with the edits the post is confusing. I would write a new post. Delete all the irrelevant information. You are happy with your 35-65 split, so the remaining actionable issues are the percentage in international, the percentage in REIT, and the fund choices across the board. Forget what you curr...
by Aptenodytes
Sun Apr 20, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 12
Views: 1813

Re: POLL: If Eligible For Social Security .....

The poll really surprises me. The vast # of those already claiming did so at the extremes, more at 62 than 70. I would have guessed that in this group, the largest of those claiming would be at 70, then at FRA. Most of those that I talk to outside of this board say that they will claim as early as ...
by Aptenodytes
Sun Apr 20, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3104

Re: Beware Vanguard DOES NOT update all your account values

If I want to know what one of my accounts is doing, I look at the website for that institution. err, that's what he's trying to do. The key as I understand it is that he has Vanguard ETFs, but not at Vanguard. So where is the website for that institution? If the Vanguard ETFs are at Wells Fargo, is...
by Aptenodytes
Sun Apr 20, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4442

Re: Beware Vanguard DOES NOT update all your account values

lululu wrote:If I want to know what one of my accounts is doing, I look at the website for that institution.

err, that's what he's trying to do.
by Aptenodytes
Sun Apr 20, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4442

Re: Beware Vanguard DOES NOT update all your account values

Another reason to roll your own portfolio tracker.

(Now if I could just find a way to get automated access to TIAA-CREF institutional fund prices, but I"m guessing Vanguard can't get them either...)
by Aptenodytes
Sun Apr 20, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4442

Re: POLL: If Eligible For Social Security .....

The system is set up so the average person gets the same if you take the cash at 62 or 70. You need to decide if you (or your spouse) is going to live longer than what is expected. I agree this seems to be the way many people look at the question, but it is unfortunate. Plotting cash flows and brea...
by Aptenodytes
Sun Apr 20, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3104

Re: Where to put RMDs in budget?

To my mind they are neither, following sscritic. An RMD is just a change in status. It might go into a taxable account, but if as a couple you have sufficient earned income it might also go into a tax-sheltered account. We have inherited IRAs and most of our RMDs have gone into Roths. For the purpos...
by Aptenodytes
Sat Apr 19, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 832

Re: Flights D.C. to London: Buy now or wait?

Thank you, Aptenodytes. I am looking at Kayak now, and in the upper-left hand corner I see a small block titled "Price Trend" with a jagged graph and a note below it "We cannot make a confident forecast." Is that the type of information you were referring to? Victoria That's it....
by Aptenodytes
Sat Apr 19, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1760

Re: Flights D.C. to London: Buy now or wait?

Funny, I just bought a NYC-LON ticket a couple hours ago, at what I thought was a high price ($1700). But it is for travel in 3 weeks so I didn't have the luxury of waiting. Did you know that Kayak and other services have algorithms to generate answers to your question? I don't know the accuracy, bu...
by Aptenodytes
Sat Apr 19, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1760

Re: How high of an allocation to REITs?

The article is a miracle of unstated assumption. I think you're thinking about the issue exactly backwards Nisi has the much stronger argument here, and I'm with him. You frequently see people assigning magical properties to "market weights" across incommensurate categories. Market weight...
by Aptenodytes
Sat Apr 19, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2826

Re: Help looking for ways to get to 50-50

dickenjb wrote:She has enough ($300K) that she should consider the Three Fund Portfolio.

Total Bond in tax advantaged.
Total International in taxable.
Fill the remaining space in each with Total Stock.

Rebalance once a year.

This is what I'd do.
by Aptenodytes
Sat Apr 19, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1426

Re: AA accross multiple accounts

I have 14 accounts; I never have to adjust more than 2 to maintain balance. 14 accounts? Wow, that's a lot. Not hard to do. Many of them are TIAA-CREF, which are very sticky and hard to consolidate. Couple of inherited IRAs that can't be consolidated. HSA that has to stand alone. Separate Roth IRAs...
by Aptenodytes
Fri Apr 18, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1118

Re: AA accross multiple accounts

I might be thinking about it wrong, but having 50% US, 15% Int and 35% bond (muni in taxable and bond index in tax sheltered) seems very simple. Each account has 50%, that is 50% Taxable additions could be split on the same %, Roth additions could be split on the same %. If it is simple, then no re...
by Aptenodytes
Fri Apr 18, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1118

Re: AA accross multiple accounts

In theory I get it, it is just you can't move from taxable to tax sheltered. Say Roth Wife has only International. I can't up that other than with new Roth $. If next $5,500 is too much Int. 1) often you can move from taxable to tax sheltered, by making multiple moves in the accounts (investments a...
by Aptenodytes
Fri Apr 18, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1118

Re: AA accross multiple accounts

Ferri's article is primarily about the benefits of tax-optimized fund placement. With all due respect, his observations about the limitations are things anyone who follows the strategy already knows about. They aren't things that diminish the value of the strategy, they just define its limits. On th...
by Aptenodytes
Fri Apr 18, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1118

Re: AA accross multiple accounts

By definition you are going to have AA across all accounts, so that's not an issue. The question is whether to also have AA within each account. The answer is no. 1) Certainly there is no cost advantage to doing so. One of the reasons not to do that is precisely to reduce costs. You can never reduce...
by Aptenodytes
Fri Apr 18, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1118

Re: Looking for Low-Cost Eyeglass Shop I can visit

I've used Warby Parker, which you can't visit but which will mail you at no charge a range of samples you can try on in the comfort of your home.
by Aptenodytes
Wed Apr 16, 2014 6:19 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1486

Re: What is your net worth

Been done in much more detail already. See this thread for details.
by Aptenodytes
Wed Apr 16, 2014 6:17 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5409

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

"spending down the 21,500" is a red herring. Money comes in, returns are generated, expenses must be paid. It is all the same ball of wax. You can put 21,500 in a fund and take out what your need for expenses, or you can reserve what you need for expenses and put the remainder in in a fund...
by Aptenodytes
Tue Apr 15, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2724

Re: Did not have fun this year doing my taxes- TT

This is my 2nd year with an HSA, and I had a bad time figuring out how to torque TT to handle the HSA information correctly. It was very unintuitive and confidence-draining. I don't understand how it can be so difficult since all the information is on the W2 which TT downloads from my employer. My e...
by Aptenodytes
Tue Apr 15, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 4040

Re: Save for 25 years = $1million?

The question is ill-framed. You don't want a plan to hit $1m at age 50. To do that you would have to start hitting the brakes with respect to risk in your late 30s, which for most people is bass-ackwards. You want to hit some rough target at the time you plan to retire, which for most people is beyo...
by Aptenodytes
Mon Apr 14, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 4003

Re: VTSAX: Does it eliminate the need for dividend funds?

It is a trick question, like asking if genomics eliminates the need for astrology. There is no need for dividend funds to start with. Your "long" lurking of 45 minutes seems to have led you to this conclusion. But you also say you are going to continue reading about dividend strategies -- ...
by Aptenodytes
Mon Apr 14, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSAX: Does it eliminate the need for dividend funds?
Replies: 7
Views: 934

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

The way I read your numbers you have very low need for risk. A return of around 2% is probably enough to last you more or less forever. Taxes aren't likely to matter much at your income level. You shouldn't need to pay anyone for advice, because you don't need a complicated fund. One of the funds ta...
by Aptenodytes
Mon Apr 14, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2724

Re: The Case for Dividend Stocks in Retirement (article)

dbr wrote:That article is probably more in the category of "not even wrong" than it is erroneous.

I had the same reaction. I saw the headline and read through to the end, waiting to see what the argument was. There was no argument, just mindless rambling, superstitions, half-truths and factoids.
by Aptenodytes
Mon Apr 14, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: The Case for Dividend Stocks in Retirement (article)
Replies: 27
Views: 2248

Re: I can't figure out my current asset allocation?

Most people would not include cash as part of the AA; you need cash, but to assign a percentage target to it is not very common. For the rest, you can pretty easily consult the online information and figure out what each fund you own has in each of your categories. Then you can convert your fund tot...
by Aptenodytes
Sun Apr 13, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can't figure out my current asset allocation?
Replies: 12
Views: 644

Re: I can't figure out my current asset allocation?

How does one use the Morningstar tools (say instant x-ray) with those TIAA-CREF things without a ticker symbol? I have never figured it out, so maybe I will learn some secret code from this thread. Without the M* tools, one can read the prospectus to decipher the asset allocation of CREF stock whic...
by Aptenodytes
Sun Apr 13, 2014 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can't figure out my current asset allocation?
Replies: 12
Views: 644

Re: I can't figure out my current asset allocation?

What are your asset categories? domestic Stocks, international stocks, Bonds and Real Estate? Or do you subdivide stocks into separate categories (e.g. value, small, etc); if so what are your categories? If it is the first, then you basically just total the four groups and divide by the gross sum. T...
by Aptenodytes
Sun Apr 13, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can't figure out my current asset allocation?
Replies: 12
Views: 644

Re: Passport, TSA Pre-Check, and Global Entry

I do not have global entry. Even the global entry folks without checked luggage had to get in the line after baggage claim to turn in their kiosk ticket. Even I had to get in that line with only my carry-on luggage and my kiosk ticket. I spent maybe 1 extra minute talking to immigration officer aft...
by Aptenodytes
Sat Apr 12, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2559

Re: Should I take SS at 62 or increase my burn rate ?

Bustoff wrote:Aptenodytes - What are trying to solve ? Are your posts are addressed to me ?

Please note, I did not omit the pension in the OP.

Sorry, I'll stop. I was answering Victoria's question about what the withdrawal rate was going to be at age 70.
by Aptenodytes
Fri Apr 11, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1585

Re: Should I take SS at 62 or increase my burn rate ?

... My apologies if my OP didn't make it clear that my pension reduces my current 40K expenses. Not sure how you came up with 3M but that's not even close. My annual expenses do not equal my withdrawal rate because some of those expenses are covered by a pension. So my current withdrawal rate is 1....
by Aptenodytes
Fri Apr 11, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1585

Re: AA question regarding taxable and inheritance

If she is certain she will leave all of it to her heirs, then what matters is the preferences of the heirs. If the heirs are going to spend the money when they inherit it, then you want to put the AA on a glide path to get more conservative over time. If the heirs are going to maintain the inherita...
by Aptenodytes
Fri Apr 11, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question regarding taxable and inheritance
Replies: 4
Views: 271

Re: Should I take SS at 62 or increase my burn rate ?

If you delay taking Social Security until the age of 70, what your portfolio withdrawal rate would be at that time? If it's still 2-2.5%, it's worth delaying. Victoria Ah, but the OP has already told anybody who remembers middle school algebra the answer. Sort of. Current portfolio = c. $2.9M (aver...
by Aptenodytes
Fri Apr 11, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1585

Re: AA question regarding taxable and inheritance

If she is certain she will leave all of it to her heirs, then what matters is the preferences of the heirs. If the heirs are going to spend the money when they inherit it, then you want to put the AA on a glide path to get more conservative over time. If the heirs are going to maintain the inheritan...
by Aptenodytes
Fri Apr 11, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question regarding taxable and inheritance
Replies: 4
Views: 271

Re: Should I take SS at 62 or increase my burn rate ?

No two people look at these things the same way. But if I had your withdrawal rates I would see no good reason to take SS earlier than age 70.
by Aptenodytes
Fri Apr 11, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1585

Re: Passport, TSA Pre-Check, and Global Entry

Global Entry is a lifesaver for me. The US Government charges something like $100 for it, valid for several years. If Global Entry rights were auctioned off, the price would be more like $500. For me, this is a rare free lunch that I'm happy to pocket. How valuable it is to you depends on how often ...
by Aptenodytes
Fri Apr 11, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2559

Re: KeePass vs LastPass

I'm a LastPass user. I only have LastPass installed on my own computers, so I don't have direct experience with your scenario. But if I were you what I would do is set up a user account on her computer, with a password, and then install LastPass on that computer, under that account. With a little go...
by Aptenodytes
Thu Apr 10, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 5990

Re: 54 year old new investor with no retirement savings

My first thought was that you should plan to work more or less forever. Sounds like your job is a labor of love which helps. I'd think about investing a portion of your Savings in business training. Turning your small profit into a larger profit will make a bigger difference than how you invest you ...
by Aptenodytes
Wed Apr 09, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 54 year old new investor with no retirement savings
Replies: 14
Views: 2512

Re: Do you think the biotech sector will be hurt long term?

I agree with what's been said. But the question is moot. Even if you thought biotech was going to underperform over the long term there's little practical you could do. Creating a TSM minus biotech portfolio would be more hassle than it could possibly be worth. So you are blessed with a concern that...
by Aptenodytes
Wed Apr 09, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 48
Views: 2129

Re: How often do you rebalance to maintain your AA

Hardly ever. I am about 10 years away from retirement and saving like hell, so am able to stay on track by directing new contributions to the underperforming assets. Every once in a while I do a very modest rebalance, but I don't think I could make a strong case that it was ever really necessary. I ...
by Aptenodytes
Tue Apr 08, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1678

Re: What to do with Win computers?

I tend to run my old computers into the ground even more severely than my cars, which means they are worth almost nothing on the resale market once I'm done with them. For $100 I would not bother with cleaning the hard drive and dealing with ebay. My sysadmin at work has always counseled a drill bit...
by Aptenodytes
Mon Apr 07, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 2268

Re: Livescribe Smartpen - which model? For searchable noteta

Could trying scanning and OCR, but that seems cumbersome and time consuming. With the right equipment and software, and reasonably decipherable handwriting, this doesn't have to be true. I scan and OCR my handwritten notes. I use a scansnap scanner and evernote. The OCR from evernote isn't perfect,...
by Aptenodytes
Mon Apr 07, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Livescribe Smartpen - which model? For searchable notetaking
Replies: 6
Views: 329

Re: Livescribe Smartpen - which model? For searchable noteta

I've seen people start using these, but nobody continue using them. The idea is attractive in principle, but there's got to be some reason usage over time is low. Unrelated: I think many users abuse the recording feature. It is not ethical to record people without their consent. Rarely do smartpen u...
by Aptenodytes
Mon Apr 07, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Livescribe Smartpen - which model? For searchable notetaking
Replies: 6
Views: 329

Re: Anyone else very reluctant to buy right now?

If you fret over the short-term fate of $500, you are going to be doomed to a lot of anxiety in your investing life. You build new habits through repetition. Just keep the contributions on autopilot, treat whatever happens as a learning experience, and start building the capacity to shed anxiety. Wh...
by Aptenodytes
Mon Apr 07, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12107

Re: Inexpensive Win7 laptop that will support 2 to 3 monitor

You want win 7 but don't want win 7. You want new but are looking at refurbished. You want to spend less than $500 but are looking at gaming laptops (which are expensive). That's a lot of contradictions to sort through. I would start with the 3-monitor requirement. Figure out what you are going to u...
by Aptenodytes
Mon Apr 07, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 21
Views: 1071

Re: 15 year vs 30 year fixed

You haven't given any cash flow numbers, but you've indicated that you know what to look at. Compare the cash flow in the two scenarios and see how it affects what you direct to student loans and savings. Making some plausible guesses, I'd find it hard to conclude that the 15-year isn't the better o...
by Aptenodytes
Sat Apr 05, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 5794

Re: I accidentally discovered a coworkers salary... now what

Good grief. Forget about it and move on. If she's put in 20 years more than you and earns only 18% more, and your company rewards longevity, you are ahead of her, not the other way around. The obsession you are feeding will be your undoing if you aren't careful. Starve it, don't feed it. Who knows, ...
by Aptenodytes
Sat Apr 05, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5500
Next

Return to advanced search