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Re: Only after a 150% stock market rally in 4 years...

Age in bonds is no bad rule of thumb (or age in fixed income). Yeah, I was using "bonds" as shorthand for bonds, CDs, MM, other kinds of fixed income. :sharebeer I'm hoping that my current AA will be conservative enough to see me through the next bear market. I would not generally put Mon...
by Beanbone
Wed Feb 27, 2013 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Only after a 150% stock market rally in 4 years...
Replies: 115
Views: 12861

Re: role of tiaa-cref traditional in portfolio

Thank you all for your responses. Because tiaa traditional has such a low risk role in the portfolio, does this mean one should consider it in a different asset class from bonds? If you have the illiquid form, don't plan on treating it as an asset class with a separate allocation target that you ma...
by Beanbone
Wed Feb 13, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: role of tiaa-cref traditional in portfolio
Replies: 16
Views: 1163

Re: role of tiaa-cref traditional in portfolio

Thank you all for your responses. Because tiaa traditional has such a low risk role in the portfolio, does this mean one should consider it in a different asset class from bonds? If so, how would this change the allocation philosophy for the rest of my portfolio? I.e. should I increase my allocation...
by Beanbone
Tue Feb 12, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: role of tiaa-cref traditional in portfolio
Replies: 16
Views: 1163

role of tiaa-cref traditional in portfolio

Hi - I'm wondering if bogleheads have a theory concerning tiaa-cref traditional in a portfolio. this is available to me, and cref claims it's risk profile is VERY low (guarenteed 3% return with an average of over 4.5% over time). How does this play with asset allocation for a 44 year old? In other w...
by Beanbone
Tue Feb 12, 2013 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: role of tiaa-cref traditional in portfolio
Replies: 16
Views: 1163

Re: argument against indexing on morning star...

Here is the author's main point for those who can't log in to the morningstar article... Because of the success of investor fund selection, the point that investors would be far better off owning index funds is greatly overstated. True, low-cost index funds do outperform the typical actively managed...
by Beanbone
Tue Feb 05, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: argument against indexing on morningstar...
Replies: 44
Views: 3238

Re: More research = more confusion

thanks matt. very interesting self induced psychological test in assessing risk profile. I'm happy to report that I held strong through the crash and did not sell (although, it would have been nice to know more about fundamental valuation back then - I might have sold a little before the downturn). ...
by Beanbone
Thu Jan 10, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

Got it. My apologies. The 8k is my employer program (403b)
by Beanbone
Wed Jan 09, 2013 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

Hi

sorry for the confusion. all of my current retirement savings (160k + on going contributions of 8,000 per year) are in a traditional IRA. I'm considering using a Roth IRA in my name and my wife to double my 8,000 contribution on an annual basis.
by Beanbone
Wed Jan 09, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

You will get better suggestions, and not just scattershot ideas, if you post full details in this format -- http://www.bogleheads.org/forum/viewtopic.php?t=6212 . What investments do you currently have in your IRA(s)? You mention increasing your IRA contributions to $16k, but the annual IRA contrib...
by Beanbone
Tue Jan 08, 2013 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

Thank you clearly!
by Beanbone
Tue Jan 08, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

you guys are very helpful. thanks again! What's incredible is I did a "retirement plan analyses" with TIAA-CREF (my current 403b), and they told me I'm on track, but I dug deeper and found they are assuming 10% returns on investments over the next 20 years! Seems pretty optimistic to me. A...
by Beanbone
Mon Jan 07, 2013 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

Hi Paul - A follow up to some of your questions concerning my financial situation below. Yes, all $150K of the IRA is in vanguard. I also have a company match that I'm maxing out and this comes in at about $8K per year additional savings. My wife also has a teachers pension that will cover about 50%...
by Beanbone
Mon Jan 07, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

thanks everyone. Paul - Here is the link to the Bogel interview - http://www.morningstar.com/Cover/videoC ... ?id=571369

I was wrong. He didn't say 1% real growth. This was someone else, sorry for the confusion!
by Beanbone
Mon Jan 07, 2013 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

I just read something on I savings bonds. Seems like this is a good place to park cash
by Beanbone
Sun Jan 06, 2013 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

Re: More research = more confusion

Thanks for the help. I think I'll just except 0% for short term, and buy some more short term bonds.
by Beanbone
Sun Jan 06, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

More research = more confusion

Hi everyone I have spent the last month in a dedicated deep study of everything about personal investment. For the first time in my life I have a little savings so my attention has been drawn to it. I'm more confused than when I started. I have made the decision that the vast majority of my retireme...
by Beanbone
Sun Jan 06, 2013 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: More research = more confusion
Replies: 31
Views: 2313

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