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Re: Why Alpha is getting more elusive

Thanks, Larry. Good article.

I'm waiting for George Will to post and to confirm the baseball numbers.
by RadAudit
Sat Nov 22, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Why Alpha is getting more elusive
Replies: 10
Views: 1207

Re: What would be the investing strategy for a coming crash?

When you set your portfolio's AA, you arrived at the conclusion that the fixed income portion of the portfolio was adequate for your purposes given your need, willingness and ability to take risk. If you are overly concerned, you might want to revisit that decision.Make changes as required. Other th...
by RadAudit
Fri Nov 21, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3059

Re: Rick Ferri 60/40 portfolio

I believe Mr. Ferri will probably never steer you but so far wrong and then never on purpose. This portfolio should be OK assuming it is consistent with attaining your goals, and matching your need, ability and willingness to accept the risks involved. Some on this forum think the Three Fund Portfol...
by RadAudit
Thu Nov 20, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4141

Re: What to prepare for first baby due next month?

Plan now to rotate the duties of putting the child to bed every night and rotate the duties of getting up during the night to feed and change the child. They do get use to certain routines and in some cases will except no substitute in the night time go to sleep rituals. No use in only one of you be...
by RadAudit
Thu Nov 20, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2688

Re: Portfolio Stock Bond Ratio If Plan to Retire Early

Hmmm... this thread has given me more questions than it answered That's a frequent outcome around here - usually brought on by getting some opinions from some fairly bright folks (not me) that add perspectives that didn't occur to the OP at the outset. I've always thought of a million dollar networ...
by RadAudit
Wed Nov 19, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Stock Bond Ratio If Plan to Retire Early
Replies: 7
Views: 644

Re: Portfolio Stock Bond Ratio If Plan to Retire Early

Welcome to the forum. I've often heard to use your age as a percentage of your portfolio in bonds. If, for example, one planned to retire at 55 instead of 65, should he add 10 to his/her age in bonds and in this case a 35 year old would have a bond % of 55 and stocks of 35%? I've heard that, too. By...
by RadAudit
Wed Nov 19, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Stock Bond Ratio If Plan to Retire Early
Replies: 7
Views: 644

Re: Received an inheritance, clueless as to what to do with

I'm sorry for your loss. Welcome to the forum. I don't know if it has been mentioned before; but, another thread pointed out that the highest math you need to handle your investments is multiplication. And, if you don't want to push numbers around a piece of paper - a very low cost calculator (+,-,X...
by RadAudit
Wed Nov 19, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Received an inheritance, clueless as to what to do with it.
Replies: 29
Views: 4097

Re: Sam Walton's White Lie

Op, thanks for the post.

Loved the quote
never ... confuse “Net Worth” with “Self Worth.”
by RadAudit
Fri Nov 14, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sam Walton's White Lie
Replies: 3
Views: 1454

Re: More money equates to feeling poor?

I never knew I was poor until I started visiting this site. I believe the key was that we socialized with and lived among people of roughly similar economic circumstances who didn't discuss the accumulation of money. ( We may have lived next door to a millionaire; but, we weren't aware of it.) Yes, ...
by RadAudit
Thu Nov 13, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 34
Views: 2962

Re: For Women on this forum and those who share their expert

the most complex math required to implement and maintain the BH portfolio is multiplication. And for that, I am truly grateful. It's probably one of the key reasons I can stay a BH. - most of the relevant calculations can be done with a 1970's hand held calculator. or as noted in "Other People...
by RadAudit
Thu Nov 13, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4405

Re: Your car(s) are equal to how many months income

We just replaced an 18 year old car with a new to us car. Now if you had asked last week ....
by RadAudit
Wed Nov 12, 2014 6:34 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5973

Re: How can I convince my wife to accept investing??

How much money do you need at retirement to live the life you want to live? Haven't figured that out yet, but I am sure it is much more that I am able to save under my pillow, out of my current salary. I'm sorry. I was using the plural form of the word "you" - as in, you and your wife. An...
by RadAudit
Tue Nov 11, 2014 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 4297

Re: How can I convince my wife to accept investing??

How much money do you need at retirement to live the life you want to live?
by RadAudit
Tue Nov 11, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 4297

Re: How can I convince my wife to accept investing??

You should do what your wife wants. Additionally, just figure out how much money you need at retirement to live on for the rest of your natural life, divide that number by the years left to retirement and save that amount of money each year. At retirement, just withdraw the predetermined annual amou...
by RadAudit
Tue Nov 11, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 4297

Re: Garden questions - the final call

This is more of a bump up.

Call your state agricultural university extension agent. They love these questions.
by RadAudit
Tue Nov 11, 2014 6:53 am
 
Forum: Personal Consumer Issues
Topic: Garden questions - the final call
Replies: 7
Views: 827

Re: Supreme Court Blues

Time has a way of answering these types of questions. You might want to wait.
by RadAudit
Sat Nov 08, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Supreme Court Blues
Replies: 34
Views: 2189

Re: Paper on Market Timing

Outperformance is achieved by timing exposure to beta using a rolling 4-week relative strength signal of the Utilities sector to the market. The strategy rotates into Utilities when the investing environment is more favorable towards lower-beta equities and into the market when the investing enviro...
by RadAudit
Sat Nov 08, 2014 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Paper on Market Timing
Replies: 3
Views: 893

Re: AA...any other crazy 80/20 folks out there?

WalterMitty wrote: I wanted to reach out and see if there are any others out there in the 80/20 world


Check VG's target retirement funds. At 20 years from retirement, there's a whole lot of folks at 80/20.
by RadAudit
Tue Nov 04, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4752

Re: My Portfolio - Critiques Wanted

I don't see any reason why I can't/shouldn't be invested 100% in equities for the next 5-10 years (perhaps you can change my mind on this point). Welcome to the forum. I was never any good at changing anyone's opinion. Doubt if I can change yours. Fortunately, it takes all kinds to make a market. B...
by RadAudit
Wed Oct 29, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio - Critiques Wanted
Replies: 9
Views: 991

Re: A Challenge for Bogleheads - the market has changed

More than that, he has also suggested that the Boglehead philosophy won't work any longer due to the changing markets. As I understand it, the Boglehead philosophy doesn't actually promise that you'll get rich beyond the dreams of avarice and greed. I believe that it will get you very close to mark...
by RadAudit
Wed Oct 29, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 6756

Re: POLL: Gross Annual Retirement Income Before Taxes

Ops, thanks for the poll.

The fun thing about this poll is that with in a rather wide range - depending on how much you've saved / how large of a portfolio you've managed to accumulate and what SWR you choose - your income can vary substantially.
by RadAudit
Tue Oct 28, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Gross Annual Retirement Income Before Taxes
Replies: 25
Views: 1994

Re: new investor needs help

Welcome to the forum. I would suggest starting here: http://www.bogleheads.org/wiki/Getting_started Watch the videos. Read several of the recommended books. Take your time. Don't rush in to a course of action. A couple of months should give you enough time to read and understand. Let me be among the...
by RadAudit
Tue Oct 28, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: new investor needs help
Replies: 5
Views: 288

Re: Can you outperform?

I don't know. But that is one way to play the game. And the outcome should be pretty good - even if you don't outperform the index.

(A similar approach seemed to have worked for me over the last twenty five years or so.)

Best of luck.
by RadAudit
Thu Oct 23, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1247

Re: The 1 Thing Successful Investors Never Do

Thanks for the post. few people know that they (Buffet and Munger) used to have a third partner: Rick Guerin. Guerin was in a hurry to get rich and was borrowing money using margin loans to invest in the stock market. In the market downturn of the early 1970s, when the stock market dropped roughly 7...
by RadAudit
Wed Oct 22, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 12
Views: 4890

Re: Who do you trust when you must ask for advice.

Welcome to the forum. Trust your gut. My folks had and I still have an account at Ed. Jones. While I don't believe Ed Jones promotes unethical behavior, I do believe that some of their products / sales may not be at the lowest price available in the marketplace. I don't think that is necessarily une...
by RadAudit
Mon Oct 20, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Who do you trust when you must ask for advice.
Replies: 9
Views: 1094

Re: Why do people use age instead of life expectancy?

Thanks for posting the thread and thanks for the links to articles in the replies. Lots to think about. All I have to do is adopt a few of the suggestions in the first linked article and I've greatly reduced my chances of outliving my assets - one less thing to worry about. However, I did notice the...
by RadAudit
Sat Oct 18, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2947

Re: First time investor needs help

what should i do? ... Please help! 1) stay the course and implement the 6 month DCA Why, yes. Stay the course. It seems you developed a good, long term plan with a six month implementation time frame a couple of months ago. Stick with the plan. Rebalance back to your target AA when the portfolio va...
by RadAudit
Mon Oct 13, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: First time investor needs help
Replies: 13
Views: 919

Re: Making distributions to heirs.

Again, thanks to all for sharing their experiences and providing insights.

Obviously, my situation is nowhere as complex as some - yet. But you've given me some stuff to think about.
by RadAudit
Sun Oct 12, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1465

Re: Best town I've never heard of [for relocating]

How about either Boone, N.C. or Blowing Rock, N.C.?

Both towns appeared to be delightful places when I was up there a couple of years ago.
by RadAudit
Sun Oct 12, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10037

Re: Making distributions to heirs.

Thanks for the replies. They should help a lot.
by RadAudit
Sat Oct 11, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1465

Making distributions to heirs.

I would appreciate any guidance you would wish to share on how to make distributions to heirs from our assets / estate. We have a small estate which should allow DW and I to live in moderate comfort in retirement, travel some, help out the kids to some extent prior to our demise and still have somet...
by RadAudit
Sat Oct 11, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1465

Re: Real life windfall experiences?

A couple of years ago, I received a small inheritance. I paid off what was left on the mortgage and invested the rest IAW my AA. Nothing out of the ordinary. The problems arose with the receipt of the inheritance. Although small, it raised all sorts of questions about how to distribute my / our esta...
by RadAudit
Wed Oct 08, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4439

Re: Large Inheritance - Need Advice

As much as I wish to, I don't think I have the time or smarts to manage the money myself or ever get good at it. Based on the fact you came here and asked the question before you invested , you have the smarts to manage your money yourself. A lot of folks do it the other way around. As for time, I ...
by RadAudit
Tue Oct 07, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3558

Re: Retirement Portfolio Suggestions

but I'm trying to come up with something similar to that within the constraints of what I have available in the 401K plan. Should I use the S&P 500 index as the US stock fund within the 401K? Should I use some of the stable value fund as part of the Bond allocation? $300K in Vanguard Retirement...
by RadAudit
Fri Oct 03, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1465

Re: Retirement Portfolio Suggestions

Look at the three fund portfolio in the wiki and in one of the threads on the forum.
by RadAudit
Fri Oct 03, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1465

Re: VTSMX and VBMFX - hold what in which account type?

I've read that having VTSMX in a non-IRA (taxable account?) isn't so bad but I don't really understand why. I don't understand it either, entirely. However, here's what I think I've heard. VTSMX holds, primarily, stocks of corporations. Returns from that mutual fund are primarily dividends, capital...
by RadAudit
Mon Sep 22, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX and VBMFX - hold what in which account type?
Replies: 16
Views: 1177

Re: Need Investment Help (24 y/o, 100k/yr salary)

Welcome to the forum. It's always best to start at the beginning. http://www.bogleheads.org/wiki/Getting_started Read some of the books; watch the videos. To give you better answers, we'll need to find out a few more things about what you own. What's in the Morgan Stanley account, the IRA and the 40...
by RadAudit
Mon Sep 22, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Investment Help (24 y/o, 100k/yr salary)
Replies: 6
Views: 1262

Re: inherited 500k, still a college student, how to invest??

Welcome to the forum. Why, yes you have been given a great opportunity. I was investing for more than 25 years before I got with in shouting distance of $500k. That said, I would suggest it's more important to spend your time focusing on finishing school and getting a good education than on worrying...
by RadAudit
Sun Sep 21, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5950

Re: Risks to putting most investments at Vanguard

My question is: are there any non-negligible risks to putting all my eggs in the Vanguard basket? I'm thinking in terms of a massive, catastrophic scenario, like asset theft. ( This one has been hashed out numerous times before on the site. I don't believe VG actually has any significant amount of ...
by RadAudit
Sun Sep 21, 2014 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1155

Re: How to achieve a balance between "saving" and "living"?!

How do you decide where to draw the line between saving for retirement and still having some fun while you're working? Try to answer the question how much do you need to invest to have enough money to retire when you want to. When dinosaurs roamed the earth, I worked out the answer with financial t...
by RadAudit
Fri Sep 19, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6736

Re: Can You Build Your Retirement Portfolio Young, then Coas

Start with 18-year old twins and $160,000 each, the cost of a 4-year degree at a decent (or even not so decent) school. Twin 1 goes to college, graduates at age 23 with no savings and the $160,000 spent. Twin 2 gets a job, maxes out a Roth IRA for those four years and, over time, manages to squirre...
by RadAudit
Thu Sep 18, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7484

Re: Revising AA, significant difference

DH, 37 public service job $90k/yr, 10% to 403b, 10% to pension (if pension comes through as planned, retire in 16 yrs) is age in bonds really a good rule of thumb? We also are targeting an earlier retirement date if the pension is around as planned, but would not need the 401k money to do so. Movin...
by RadAudit
Thu Sep 18, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revising AA, significant difference
Replies: 11
Views: 923

Re: Perfect Investment Portfolio on MarketWatch

I missed the part in the article where he identified the specifics of 30% of his portfolio. It’s 10% each in the following 10 asset classes: U.S. “Minimum Volatility” stocks International Developed “Minimum Volatility” stocks Emerging Markets “Minimum Volatility” stocks So, I'm somewhat at a lost on...
by RadAudit
Wed Sep 17, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: Perfect Investment Portfolio on MarketWatch
Replies: 3
Views: 568

Re: What evidence would prove the Boglehead mentality wrong?

But there's a more fundamental assumption underlying that: that by saving a certain percentage of earnings when you are young, investing in a certain way (low cost index funds, diversification, etc.), the magic of exponential growth will allow you to have a comfortable retirement, without actually ...
by RadAudit
Tue Sep 16, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 16067

Re: How often do YOU rebalance and when?

Do you have a particular time that you rebalance, a particular event ( % deviation from target) or both? Yes. Once a year - (half time during a football bowl game on Jan 1) or + / - 5% deviation from target. Sometimes both - depending on when the first rebalance was during the year and the % from t...
by RadAudit
Tue Sep 16, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 2150

Re: Young Guy, Probably Not Going To Live A Long Time

I am in my late 20's, and have been told my medical professionals that I have a couple years to live max. When your doctor gives you only a couple of years to live, get a new doctor - or so was the advice from someone I know who has lived 20+ years after getting the word he had only had six months ...
by RadAudit
Mon Sep 15, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4373

Re: Alibaba - how is style determined

Will it be a Chinese stock or a Cayman stock?
by RadAudit
Sun Sep 14, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1374

Re: Help with allocation

Welcome to the forum. After you listen to Mr. Bogle, start here. http://www.bogleheads.org/wiki/Getting_started Click on the links, watch the videos, read some of the books. After that, search on this site for the three fund portfolio. I just realized through listening to Mr. Bogle's book on common ...
by RadAudit
Sat Sep 13, 2014 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with allocation
Replies: 6
Views: 574

Re: New to investing - Timing Questions

Everything I read says there is never a "bad" time to buy index funds if I'm a long term investor and I plan on making monthly investment transactions out of my pay check. However on the other hand I'm stuck on the idea that I could potentially be buying an index fund that is almost maxed...
by RadAudit
Fri Sep 12, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Timing Questions
Replies: 8
Views: 888
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