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by RadAudit
Wed May 20, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review –New to site and I want your thoughts!
Replies: 8
Views: 574

Re: Portfolio Review –New to site and I want your thoughts!

I know I have a long way to go. I'm getting stuck on the 401(k) account. It is such a large part of my portfolio and I'm not sure how to handle it given the choices I have available to me. Relax. You've got time. And, it'll be easier if you have a plan to get you to where you want to go (hence the ...
by RadAudit
Wed May 20, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review –New to site and I want your thoughts!
Replies: 8
Views: 574

Re: Portfolio Review –New to site and I want your thoughts!

Welcome to the forum. This may sound a little harsh - and I don't wish to offend - ; but, I think we have a slight difference in our approaches to investments. You might want to start here. http://www.bogleheads.org/wiki/Getting_started Read the linked info, watch the videos and read some of the ref...
by RadAudit
Tue May 19, 2015 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: International Equities
Replies: 3
Views: 433

Re: International Equities

Is this a good time to be increasing ones international holdings? Don't know. However at the beginning of the year Mr. Ferri didn't think it was the right time. http://www.rickferri.com/blog/investments/my-expected-investment-changes-in-2015/ But, Vanguard said it would be increasing its internatio...
by RadAudit
Tue May 19, 2015 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with my investments!
Replies: 8
Views: 735

Re: Please help with my investments!

we started to contribute to new funds because we had spoken with a financial advisor (through Ameriprise Financial) who had suggested using all the diversified funds in our 401k portfolio. You do know you can get all the diversification you need with three or four funds? https://www.bogleheads.org/...
by RadAudit
Mon May 18, 2015 2:26 pm
Forum: Investing - Theory, News & General
Topic: Another look at why it's important to globally diversify
Replies: 9
Views: 1411

Re: Another look at why it's important to globally diversify

OP, thanks for the post. Lovely little link to the article that mentioned a number (probably not even most) of the industries that were seriously disrupted and then came close to being wiped from the historical record. As I was pea-vining through some old book subplots, I dredged up a reference to t...
by RadAudit
Sat May 16, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6518

Re: Aren't we overdoing electronic auto safety features?

Obviously, none of you all drive around here. No, we aren't overdoing safety features. Wish all the cars had 'em. And additionally. it appears that the industry is piecemealing the implementation of technology as some of it matures toward some distant goal - the self-driving car. So if they have to ...
by RadAudit
Sat May 16, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Chasing the Big Dogs
Replies: 16
Views: 2183

Re: Chasing the Big Dogs

Thanks for the post.

The article indicates to me that you can move in to the top 10% if you LBYM, invest regularly and stay the course. At least, that's what I hope it indicates.
by RadAudit
Thu May 14, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone went to top 10 business school? Got a 730 on GMAT. Thoughts?
Replies: 20
Views: 2883

Re: Anyone went to top 10 business school? Got a 730 on GMAT. Thoughts?

More than 40 years after I left school, the old alma mater made it in to the top 10 (or fifteen) - so I'll claim the opportunity to make a comment. What are you planning to do with the degree? My old school is a two year long residency program. So, the total cost will be room, board, etc., lost wage...
by RadAudit
Thu May 14, 2015 4:31 pm
Forum: Investing - Theory, News & General
Topic: Our Mistakes Benefit Future Generations
Replies: 13
Views: 2542

Re: Our Mistakes Benefit Future Generations

Best of luck as you venture in to robo advising.
by RadAudit
Mon May 11, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: BND ? [Vanguard Total Bond Market ETF]
Replies: 4
Views: 559

Re: BND ?

Welcome to the forum. Have started to nibble on BND with the price drop in the market and hoping to build up the allocation over the rest of the year ( while selling the individual stocks) Any comments on my approach ? That sounds like market timing and may prove hazardous to your wealth unless you ...
by RadAudit
Mon May 11, 2015 8:01 am
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6608

Re: International - Who really is at 40%

Is now a good time to do this? If you could tell us when would be a better time and when that time would occur, we would be grateful - well, some of us. See Mr. Ferri's thread for comments. https://www.bogleheads.org/forum/viewtopic.php?t=154400 But failing that special insight, the question would ...
by RadAudit
Sun May 10, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor! Looking for help to get started!
Replies: 6
Views: 433

Re: New Investor! Looking for help to get started!

Since it is Mother's Day, I'd also get some term insurance on your wife.

A SAHW provides child rearing services that would be extremely difficult to replace quickly at a low cost in case of an accident.
by RadAudit
Sat May 09, 2015 5:59 am
Forum: Investing - Theory, News & General
Topic: Cambridge Index Strategy
Replies: 12
Views: 1151

Re: Cambridge Index Strategy

Interesting strategy. I'm sure they've back tested the strategy to prove that it'll perform as they say it will. But is there any peer reviewed theoretical reason that the portfolio will out perform, on a risk adjusted basis, a total market cap weighted index strategy? Seems to involve a little too ...
by RadAudit
Fri May 08, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 130
Views: 14580

Re: much ado about coasting (through life)

Im in a situation where Im not FI yet, FI for what standard of living? If you could find a lifestyle that you want to live and afford to maintain, you could claim FI and, voila! You've achieved your - and a lot of other folks' - goals. I've got a bookshelf full of lifestyle stories that were mainta...
by RadAudit
Thu May 07, 2015 6:14 pm
Forum: Investing - Theory, News & General
Topic: Washington Post commentary on Buffett and Vanguard
Replies: 2
Views: 893

Re: Washington Post commentary on Buffett and Vanguard

Why did Buffett and his acolytes have a massive “capitalist Woodstock” to mark his 50th while there was zero public celebration of Vanguard’s 40th by its 20 million investors? “How do you think we keep our expense ratios so low? Vanguard spokesman John Woerth quipped


Good observation.
by RadAudit
Thu May 07, 2015 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: New to Asset Allocation - comments on out of sync acct?
Replies: 8
Views: 519

Re: New to Asset Allocation - comments on out of sync acct?

Welcome to the forum. I hope someone more experienced than I am comes along to answer your concerns. But if you just want opinions, here goes. Question 2: How do I decide on the correct % between large/mid/small? I would suggest you use the distribution of equities (large/mid/small) that are in the ...
by RadAudit
Tue May 05, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 5335

Re: Vanguard Personal Advisor Sevices now live

Why would anyone pursue this advisor service? C'mon guys. Let's give these hypothetical investors a break. How many threads does this site get in a week asking for portfolio reviews? Surely, Bogleheads doesn't get all the posts from all the people wanting portfolio reviews. And, I'm sure some of th...
by RadAudit
Mon May 04, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: "Don't invest in something you don't understand."
Replies: 55
Views: 3431

Re: "Don't invest in something you don't understand."

OTOH, you can follow the advice "where ignorance is bliss, tis folly to be wise." Having finished college almost forty-five years ago, I started investing about four years before Mr. Bogle started Vanguard's S&P 500 index fund. It's taken a long time to get the information out to the p...
by RadAudit
Mon May 04, 2015 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Too much credit?
Replies: 10
Views: 782

Re: Too much credit?

I have always been told - don't know for sure - that part of the determination that may be harmful to a credit rating is how much of the available credit you use. Using too much of the available credit, even if it is paid off at the end of the month, would be considered a negative. Additionally, can...
by RadAudit
Fri May 01, 2015 4:35 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4666

Re: Oh yuck, what just happened to the font?

retiredjg wrote:Whatever happened, it is back to normal for me.


I'm happy for you all.

It just hasn't happened for me, yet - at least on the page that lists the titles of the new threads for the last 24 hours.
by RadAudit
Thu Apr 30, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Humbly Seeking Guidance
Replies: 11
Views: 990

Re: Humbly Seeking Guidance

we are looking at switching from Ameriprise and into either a Vanguard or Schwab account but are having trouble deciding which. I assume that's the question. What specific problem are you having in making that decision? One question you posted was the % of the portfolio to allocate to international...
by RadAudit
Tue Apr 28, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: Tips on travel to Bermuda?
Replies: 11
Views: 1227

Re: Tips on travel to Bermuda?

Years (four decades?) ago, the preferred mode of travel was by motor scooter. Drive careful - it was an interesting sight to see all the bandaged up honeymooners / tourists on the flight home. The timing ought to be OK except for an odd hurricane that might come through during that time. The water w...
by RadAudit
Mon Apr 27, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Mother to move closer to family but farther from friends?
Replies: 13
Views: 1412

Re: Mother to move closer to family but farther from friends

There'll be a lot less friction to have Mom move now when she wants to but doesn't need to than when she should move but doesn't want to. Anyway, the time when grandkids want to be around grandparents is relatively short but so important to both of them. So, that's another reason to help her move.
by RadAudit
Thu Apr 23, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Leave an IRA through a Trust?
Replies: 17
Views: 1461

Re: Leave an IRA through a Trust?

Thanks to all for your help
by RadAudit
Thu Apr 23, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Leave an IRA through a Trust?
Replies: 17
Views: 1461

Leave an IRA through a Trust?

First off, thank you all for your help in the past. A question has come up on the best way to leave an IRA to a beneficiary. Obviously, one can designate a beneficiary and the IRA will transfer at the death of the owner. An alternative approach is to leave the IRA to a trust at the death of the owne...
by RadAudit
Wed Apr 22, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 54
Views: 6680

Re: Why I Chose Target Retirement Funds

livesoft wrote:My kids invest only with TR funds, too. If you ask them the reason, they might tell you, "Because Dad said so."


+1
by RadAudit
Tue Apr 21, 2015 5:36 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 4081

Re: Retirees: What is your SWR in retirement?

If I had no pension, my SWR would be 3.5% at my current rate of expenditure. With a 3% increase per year for inflation and currently projected portfolio returns, the money ought to last until about 10 years beyond my wife's expected life span. Of course, I could be wrong; but, by then, I'll probably...
by RadAudit
Tue Apr 14, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investing (no career path) 28 yrs old
Replies: 17
Views: 1264

Re: Advice on investing (no career path) 28 yrs old

See the 1939 version of "The Wizard of OZ" - especially where the Wizard is handing out medals for courage. Lot of wisdom in that scene. There are people out there investing other peoples' money who have no more (and probably a lot less) capability than you do. But they have something that...
by RadAudit
Mon Apr 13, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: My expanded interview w/ Barry Ritholtz of Bloomberg Radio
Replies: 10
Views: 1845

Re: My expanded interview w/ Barry Ritholtz of Bloomberg Rad

Can you share your thinking about your up coming robo adviser products as it pertains to someone that is in retirement and taking money out of a robo portfolio. I would never try to guess at what Mr. Ferri's opinion about robo advisor products might be. But if I did, I would assume that he views hi...
by RadAudit
Sun Apr 12, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: Stop contributing, and cash out your 401
Replies: 16
Views: 2822

Re: Stop contributing, and cash out your 401

Vanguard Financial Strategies? :annoyed

Thanks for the heads up concerning checking the credentials of the guy who is trying to sell you stuff.
by RadAudit
Sat Apr 11, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5904

Re: regret and depression...how to deal with it

If you are going to play "woulda, shoulda, coulda", it's going to drive you crazy. Literally. Unless you have a time machine, you can't go back and get a do over. Learn from your mistakes. It's called experience. You can only control what you do today. You have the time and money to make t...
by RadAudit
Fri Apr 10, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to know if I am saving enough?
Replies: 25
Views: 2725

Re: How to know if I am saving enough?

If yes - how to get rid of feeling that I live beyond my means? If no - how to know how much should I save? You are encouraged to live below your means. Or more to the point, you are not encouraged to borrow on the credit cards up to the maximum limit and then only pay the minimum required. But you...
by RadAudit
Fri Apr 10, 2015 6:28 am
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7564

Re: Hypothetical End Game Scenario w/ 5M retirement account

Why, yes. OP is missing something. And, the problem and the solution have been discussed for at least 3000 years in one forum after another. Others on this thread have eloquently pointed to a host of solutions. As you point out in your closing paragraphs, part of the problem is "the guy who die...
by RadAudit
Wed Apr 08, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Investors are Now Drving Ethics
Replies: 6
Views: 1229

Re: Bogle: Investors are Now Drving Ethics

Thanks for the post. I'm interested. How does Bill Sharpe get to his estimate of costs? Anyone have a link? Bill Sharpe produces this 100-basis-point total cost associated with a 6-basis-point total market index fund,. He compares it to a 112-basis-point average active equity fund and expense ratio...
by RadAudit
Wed Apr 08, 2015 8:06 am
Forum: Investing - Theory, News & General
Topic: Bogle: Investors are Now Drving Ethics
Replies: 6
Views: 1229

Re: Bogle: Investors are Now Drving Ethics

Thanks for the post. I'm interested. How does Bill Sharpe get to his estimate of costs? Anyone have a link? Bill Sharpe produces this 100-basis-point total cost associated with a 6-basis-point total market index fund,. He compares it to a 112-basis-point average active equity fund and expense ratio.
by RadAudit
Tue Apr 07, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17482

Re: Cost of College & Weighing the Merits of Top Schools

WalterMitty wrote:Is it worth going to a top tier school and paying $240,000 to $280,000 when all is said and done


No.
by RadAudit
Mon Apr 06, 2015 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Please help a greenhorn out with asset allocation!
Replies: 5
Views: 517

Re: Please help a greenhorn out with asset allocation!

I believe I understand what you're saying in regards to bonds going into tax advantaged accounts and equities into taxable. Correct. That's how you might want to approach it - if you can't get as much as possible - both equities and bonds - in tax advantaged accounts. Others may have different opin...
by RadAudit
Sun Apr 05, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a greenhorn out with asset allocation!
Replies: 5
Views: 517

Re: Please help a greenhorn out with asset allocation!

All advice is obviously more than welcome and appreciated. So young. So optimistic. :wink: Welcome to the forum I didn't / couldn't figure out exactly what asset allocation (% stock / % bond split; % domestic / % international split) you were targeting. That would help suggest an approach at the fu...
by RadAudit
Fri Apr 03, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Glide path design
Replies: 27
Views: 1958

Re: Glide path design

Some people don't use a glidepath at all; they keep their asset allocation the same throughout retirement. In particular, all of the safe withdrawal rates studies were done with fixed asset allocations. The famous 4% rate is based on a fixed allocation. No one has done any studies on what would be ...
by RadAudit
Fri Apr 03, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Glide path design
Replies: 27
Views: 1958

Re: Glide path design

Try here - http://www.bogleheads.org/wiki/Glide_paths I'm a couple of years into retirement and I'm currently 50 / 50. I'm in the process of trying to figure out if I should ramp down the % in equities and at what rate. I'm trying to figure out how much income the portfolio will throw off at various...
by RadAudit
Wed Apr 01, 2015 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Adrift in a Sea of Apathy
Replies: 8
Views: 1311

Re: Adrift in a Sea of Apathy

I don't know how this thread is actionable. Except to note, that different people have different interests and priorities. To some people, money doesn't matter as long as there's enough coming in for them to do what they want to do for as long as they want to keep on doing it. It's our job to figure...
by RadAudit
Sun Mar 29, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest in retirement
Replies: 13
Views: 1434

Re: How to invest in retirement

I guess my greatest fear is having unnecessary loses at this stage of the game. Losses bother me, too. A lot. But prices of investments go up and down. Sometimes they go down for days, weeks, months and even years. You are going to have to define - even if only to yourself - how much of a temporary...
by RadAudit
Sat Mar 28, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] Would you be disappointed if VG advertised more?
Replies: 19
Views: 1418

Re: [Poll] Would you be disappointed if VG advertised more?

What are the possible benefits to VG's current owners of increased advertising? How are increased sales through advertising going to increase customer service? If VG is trying to increase sales (more people using its products, i.e.: low cost mutual funds) to lower its costs of managing money, how mu...
by RadAudit
Fri Mar 27, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3410

Re: Son graduating college-what to do?

My kid graduated from grad school and went to work in DC. He shares a condo with three other guys. His salary would support a family of four in other parts of the country but is not enough to rent a one bedroom apartment and eat too in that HCOL area. However, sharing a condo / apartment appears to ...
by RadAudit
Thu Mar 26, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 8170

Re: Can I afford a $1M house?

How are the savings for the college educations for the kids coming along?

Or more to the point, are the other goals in your and your spouse's lives - that require money - adequately funded?
by RadAudit
Thu Mar 26, 2015 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard target fund vs age in bonds
Replies: 12
Views: 1538

Re: Vanguard target fund vs age in bonds

retirement goal is currently on target and my AA is at 70/30. Now I'm wondering if I'm being too conservative? I guess I would rather retire comfortably rather than die with a ton of money and why I'm currently at 70/30. You are currently on track with an AA of 70/30. The answer is no; you aren't t...
by RadAudit
Wed Mar 25, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on new bond fund
Replies: 3
Views: 588

Re: Thoughts on new bond fund

Hopefully, better folks will be along shortly.

Compare expense ratios between the two funds. Lower fees are better.

Look at the portfolios of the two funds and decide which fund's risk profile and duration is more to your liking.
by RadAudit
Tue Mar 24, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: Total or Sub-Asset Alloc? Which is more important?
Replies: 4
Views: 413

Re: Total or Sub-Asset Alloc? Which is more important?

Thank you all, very much, for your replies.
by RadAudit
Tue Mar 24, 2015 8:56 am
Forum: Investing - Theory, News & General
Topic: Total or Sub-Asset Alloc? Which is more important?
Replies: 4
Views: 413

Total or Sub-Asset Alloc? Which is more important?

Which matters more to the total performance of a portfolio - the top level asset allocation (stocks / bonds: 50 / 50) or the sub asset allocation (domestic / international: 70 / 30 or 60 / 40)? I've followed the discussions concerning the increasing international weighting of target date funds with ...
by RadAudit
Mon Mar 23, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1334

Re: Passive Investing w/Vanguard

Welcome to the forum This is more in the line of a bump up. -do I just go online to the vanguard website and open an account and buy whatever stock I want? It would help to clarify things if we tightened up a little on terminology. The Vanguard Total Stock Market Index Fund (?) (VTSMX) - Investors' ...

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