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Re: Retirement Investment Help

This is more in line with a bump up - because I don't know the answer. Wish I did. I would argue for saving for your retirement first only because you can't borrow your way through retirement. So, in that case, I'd up the amount going in to DW's 401(k), if I could, and forget the 529 for now. That, ...
by RadAudit
Sun Feb 01, 2015 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Help
Replies: 2
Views: 249

Re: new to investing

i have seen 1.9% but i am hoping there is a rate a bit higher (3 or 4%). Welcome to the forum. Why, yes there are higher rates. Investing (ha!!!) in securities (ha!!! ha!!) denominated in Russian rubles were yielding 17% a couple of days ago. So, first lesson, if the return is higher than what you ...
by RadAudit
Sat Jan 31, 2015 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: new to investing
Replies: 3
Views: 202

Re: Large Inheritance for Kids -- Asset Allocation?

Postmon wrote:Since they really have no "need" to take risk, I allocated each trust 60/40 (Stock/Bond).


Sounds like something a prudent trustee would do.
by RadAudit
Fri Jan 30, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance for Kids -- Asset Allocation?
Replies: 34
Views: 2162

Re: Portfolio Allocation

by RadAudit
Thu Jan 29, 2015 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation
Replies: 4
Views: 390

Re: "Retiring in a Low-Return Environment"

flyingaway wrote: Just enjoy your life and live according to the money you (still) have.


Best advice, yet.
by RadAudit
Thu Jan 29, 2015 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 6513

Re: "Retiring in a Low-Return Environment"

Thanks for the post.

I remember hearing a couple of years ago, just as I settled in to retirement, that the SWR of 4% for a long retirement was toast :oops: (Thanks)

I just hadn't seen the article and the data.
by RadAudit
Thu Jan 29, 2015 9:39 am
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 6513

Re: Withdrawal Strategy

Well, since you asked for opinions .... I'll bump this up. My opinion is that that the with index funds you've selected and the asset allocation you have selected, you should do OK. Although depending on how old you are, you may have a little too much in stocks. Rebalance once a year. Stay the cours...
by RadAudit
Wed Jan 28, 2015 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Strategy
Replies: 9
Views: 629

Re: What I Learned About Investing

Thanks for your post.

I looked at your paper but didn't see "The Arithmetic of Active Management." I always found it interesting.

http://web.stanford.edu/~wfsharpe/art/active/active.htm

Best of luck in passing on the info you've compiled to the kids.
by RadAudit
Wed Jan 28, 2015 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: What I Learned About Investing
Replies: 5
Views: 921

Re: Do Bogleheads' Children Qualify For Need Based College A

For ten years in a row and two kids, each year the Expected Family Contribution (EFC[?]) was $1 more than the total of tuition, room, board and WAM at an in-state school.

So, no. No need based college aid here.
by RadAudit
Mon Jan 26, 2015 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3117

Re: Poll

A funeral director I know liked to say "Well for $200 two men will come and if you don't ask any questions ..... " Based on cost alone, I think my family will choose that approach vs. cremation and throwing the ashes in the creek at the end of the road. But, I prefer giving the body to sci...
by RadAudit
Thu Jan 22, 2015 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 700

Re: "When you've won the game, stop playing"

Bill Bernstein wrote:This piece *is* aimed at the 70 year old who needs a 4-6% burn rate who's 85% equity, which always happens in ebullient markets;


That's a dangerous position to be in. Thanks for the heads up
by RadAudit
Wed Jan 21, 2015 8:12 am
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8405

Re: If your networth is over $3 million, how did you do it?

I worked in the defense industry for 39 years and never made a 6 figure income. Started saving / investing at 1% / year after the first year of work out of grad school. Got savings up to 12% of income (with employer's match) after five (?) years. Retired in 2010, with ~ $1.2 mil including a small in...
by RadAudit
Mon Jan 19, 2015 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46349

Re: Barrons stock pickers gave a great endorsement of Bogleh

stedix1991 wrote:Perhaps they mean they'll recommend low-cost index funds in 2015?


Not a bat's chance in ...

Their publication would be a one page Xerox copy with the message "Stay the course."
by RadAudit
Fri Jan 16, 2015 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Barrons stock pickers gave a great endorsement of Bogleheads
Replies: 2
Views: 561

Re: financial advisor

Should I give up the idea of meeting with a local advisor? Yes. Now we're going to save you $600. Go to the tab labelled Getting Started. Watch all the videos. Read all the linked articles. Pay attention to anything referencing the Three Fund Portfolio. Work your way through until you get to Asking...
by RadAudit
Wed Jan 14, 2015 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: financial advisor
Replies: 12
Views: 1233

Re: Sorry.. another Should I move my portfolio question

are DFA funds so superior to a plain vanilla index fund that I should continue to pay an advisor. I believe you know the answer to this one. His portfolio returned (3.11%) less than yours (8.35%) because of it's heavier weight in international funds. So, it's not fair to compare these two returns t...
by RadAudit
Sun Jan 11, 2015 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sorry.. another Should I move my portfolio question
Replies: 11
Views: 749

Re: Vanguard's International Stock Fund

Before you switch, check the expense ratios and the geographical dispersions of the respective international funds. As a general rule, low costs win out long term. Additionally, if some funds are making outsized bets on various geographical and / or financial market sectors that may also impact curr...
by RadAudit
Fri Jan 09, 2015 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Stock Fund
Replies: 8
Views: 1246

Re: Just left meeting with my advisor....

Vanguard says my essentially five fund portfolio (3 + TIPS and International Bonds) with a 50 / 50 AA returned ~ +6.8% in 2014. I am concerned about taking on this responsibility, but believe I have no other choice. I understand your concern. My experience was that I read Mr. Bogle's book On Mutual ...
by RadAudit
Thu Jan 08, 2015 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 7777

Re: Early (in the year) RMD from inherited IRAs

Watty wrote: if you die before your take the RMD that can be a major headache for your heirs.


Thanks for adding another concern to the mix. It's one I've debated with myself and discussed with the DW. I still don't have the correct answer to that one.
by RadAudit
Thu Jan 08, 2015 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Early (in the year) RMD from inherited IRAs
Replies: 11
Views: 1121

Re: Early (in the year) RMD from inherited IRAs

This is a bump up; because, I don't know the answer - if there is one. But while we are in the land of blind leading the blind - the first part of the question (likelihood of Total International Stock declining by year end) is not necessarily a given based on the efficient market theory. Then there ...
by RadAudit
Wed Jan 07, 2015 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Early (in the year) RMD from inherited IRAs
Replies: 11
Views: 1121

Re: give me a reason

Insurance. Just in case there's a sudden appearance of unanticipated inflation. Or so it was once sold as or so I remember.
by RadAudit
Sun Jan 04, 2015 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: give me a reason [to add TIPS]
Replies: 22
Views: 2579

Re: Vanguard states ERs to 3 places!

t looks as if the per $1,000 numbers all end in 0, though, and are just the result of multiplying $1000 by the old-style percentage--that is to say, they are still rounding, and it is not three significant places. Doesn't the fact that the cost per thousand ending in zero have something to do with ...
by RadAudit
Fri Jan 02, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard states ERs to 3 places!
Replies: 26
Views: 2888

Re: How Much Do You Sacrifice?

There has to be a healthy balance, right? Bingo!! As long as you've run the retirement calculators and your current rate of investment is projected to be reasonably sufficient to cover your future expenditures, I'd vote for spending some of the money. Lawn service? Definitely a keeper as far as I'm...
by RadAudit
Mon Dec 29, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6605

Re: Retiree Poll:What is your current AA?

Investors are intoxicated by the recent gains and subconsciously assuming that these gains are somehow sticky, that they have raised the floor of where the stocks could potentially drop. In reality, there is no barrier preventing stocks from dropping back, e.g., to the March 2009 level, if some sev...
by RadAudit
Mon Dec 29, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 6991

Re: Retiree Poll:What is your current AA?

Interesting. It looks like a Gaussian distribution. It's a Gaussian with a Bayesian flavor. People start at 50/50, but don't adjust as new information becomes available. If this were a general poll, I'd consider the results normal {accidental pun}. But for retirees, it's too aggressive. People have...
by RadAudit
Sun Dec 28, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 6991

Re: Mathematical Formula for Creating an Index Fund?

Thanks for your quick reply, especially on Christmas Eve.

I thought it was something more esoteric like a proportional ownership of outstanding shares or free float (?). Apparently not.

Thanks again.
by RadAudit
Fri Dec 26, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Mathematical Formula for Creating an Index Fund?
Replies: 2
Views: 938

Mathematical Formula for Creating an Index Fund?

Does anyone out there know of the mathematical formula / gyrations for creating an index fund - say the Total Stock Market. Not that I have much of a problem accepting the idea that the index fund tracks an index - that can be measured. But if you are investing money for a mutual fund and money is c...
by RadAudit
Wed Dec 24, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Mathematical Formula for Creating an Index Fund?
Replies: 2
Views: 938

Re: Poll: Do You Include Fixed Income in Net Worth Calculati

Based on the poll, I'll assume you are excluding bonds from the poll question.

Although, the fixed income from bonds is a lot less fixed than it use to be - so maybe you have a point.
by RadAudit
Wed Dec 24, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Include Pensions/SS/Annuities in NW Calculations?
Replies: 50
Views: 2821

Re: How much notice to give prior to Retirement ?

I remember one fellow at the office who gave them about 2 1/2 hours notice. The supervisor sputtered "You can't do that!" He replied "Watch me." Handed in his papers on the way out the door and went and played golf. I hope he's still out there on the links. However, a month's not...
by RadAudit
Wed Dec 24, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4558

Re: How do you determine your withdrawal rate?

So far, a great deal of my expenses in retirement are covered by SS and a pension. That said, I calculate the withdrawal rate by taking the difference between the sum of SS and pensions and the total of my last year's salary (before retirement) increased by 3% per year. That amount of money is the t...
by RadAudit
Fri Dec 19, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you determine your withdrawal rate?
Replies: 13
Views: 1299

Re: What Movie Have You Recently Watched?

Exodus.

Preferred the book.
by RadAudit
Thu Dec 18, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56577

Re: Curious- how much do Vanguard executives earn?

They are making more for the owners in total (includes a number of Bogleheads posting here) than they are paid. So, I guess they earn every bit of what they are paid. And they are paid enough to keep employee turnover within that group at the levels that are acceptable to the Board and consistent wi...
by RadAudit
Wed Dec 17, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Curious- how much do Vanguard executives earn?
Replies: 4
Views: 1614

Re: Odds of portfolio survival = 90%; odds of my survival =

One of the hardest things I've had to learn, getting older, is that even though I'm smart and well-educated, I'm not a "special snowflake." All snowflakes are unique. That makes them special. Of course, I could be wrong. But if you find two exactly alike, please PM me. Edit: Sorry, I may ...
by RadAudit
Tue Dec 16, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 11650

Re: Does your work define you?

When you are introduced, do you say "I am a financial analyst (or whatever)"?. Try to say "I work as a financial analyst" or "I'm employed as a financial analyst" It's a small step toward breaking the my work is my identity problem. You are more than the sum of your par...
by RadAudit
Sun Dec 14, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2795

Re: I'm an Irrational Bond Chicken Little

It sort of depends on how irrational you might be. If you are really want to worry, there's always total default and / or hyper-inflation. In either case, very few bonds would be "safe." Then again few other paper assets would be safe, either - at least to my way of thinking. So, what para...
by RadAudit
Sun Dec 14, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 2998

Re: How to help Grandchild with tuition

If I recall correctly, money given to either the parent or the child directly will count as an asset in the calculation for the kid's eligibility for student aid. So the amount of student aid the child may get may / will be unfavorably impacted. You might want to let the parents run those numbers th...
by RadAudit
Sat Dec 13, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to help Grandchild with tuition
Replies: 7
Views: 915

Re: My first non fee adivsor meeting..confused

Call Vanguard. I'm sure someone there can figure out something for you.
by RadAudit
Fri Dec 12, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4726

Re: FAFSA and Paying for College

Oh, joy. Now we have to pay for his room and board for up to 20 years.

Can't we just garnish his wages until he pays back 5X whatever the kid got in student aid plus interest at 10%+ and call it a day?
by RadAudit
Thu Dec 11, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: FAFSA and Paying for College
Replies: 3
Views: 406

Re: What is the best meal you've had at a restaurant?

I managed a project for a Bermuda client about 30 years ago that required me to take about a dozen business trips to Bermuda over a 3 year period. I ate at many restaurants all over the island and can honestly say I never had a bad meal. The food was consistently very good to excellent. I cannot re...
by RadAudit
Wed Dec 10, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6964

Re: Fundamental Theory of Index Investing

Welcome to the forum. This topic has been debated on this forum through many threads. If there is a consensus, I believe you've answered your own question. The world does not long tolerate such inequities. Not everyone is cut out to be an indexer. So, more money will flow to the money manager who ca...
by RadAudit
Tue Dec 09, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Fundamental Theory of Index Investing
Replies: 16
Views: 1454

Re: Emergency Fund: does it need to be in cash? VSCGX?

I sure hope an EF doesn't need to be in cash. I've got mine in a short term bond fund (VBIRX[?]), primarily for convenience and expenditures beyond pensions and SS in the year ahead. I can get the money in to a checking account in a couple of clicks and two or three business days. The interest rate ...
by RadAudit
Fri Dec 05, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund: does it need to be in cash? VSCGX?
Replies: 34
Views: 1944

Re: Update: 6 years into Buffett's Bet With Hedge Funds

I'm glad to see that the Morningstar article identified the hedge fund on the other side of the bet.

If those folks can't do basic math, may be you don't want to invest with them.

At least a charity might make money on this promotion.
by RadAudit
Thu Dec 04, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 2843

Re: Giving money to your alma mater: Have to vent

I'm sure you all have good reasons why you don't give to your alma maters. You are welcome to and / or justified in having those opinions. I have a slightly different point of view - one of gratitude. One can debate whether or not I earned my degrees. I do know that somewhere along the line one or m...
by RadAudit
Wed Dec 03, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16669

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: 28
Views: 3853

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: 82
Views: 12958

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: 4848

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: 6878

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: 853

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: 853

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: 5541
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