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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 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Revising AA, significant difference
Replies: 6
Views: 413

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 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Perfect Investment Portfolio on MarketWatch
Replies: 3
Views: 503

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 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 69
Views: 3904

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 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1671

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 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guy, Probably Not Going To Live A Long Time
Replies: 30
Views: 4204

Re: Alibaba - how is style determined

Will it be a Chinese stock or a Cayman stock?
by RadAudit
Sun Sep 14, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1194

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 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with allocation
Replies: 5
Views: 425

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 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Timing Questions
Replies: 8
Views: 722

Re: Experience with dealer finding the exact car you want?

If I have the dealer find the one I like, would I have any wiggle room on the price? It has been my very limited experience that car sales people prefer to sell cars for the most profit and the least work they can get away with. Preferably those cars are sitting right there on their lot. If you ask...
by RadAudit
Fri Sep 12, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Experience with dealer finding the exact car you want?
Replies: 26
Views: 1693

Re: Don't even know where to start on this AARP article

You have a point. If the 401(k) / IRA balances are that low and you have an average salary; how does a married, filing jointly couple get to the 25% tax bracket in retirement?
by RadAudit
Thu Sep 11, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't even know where to start on this AARP article
Replies: 38
Views: 4882

Re: bogleheads - can I scale it back?

and yes I have ignored SS - dont know how to even consider that in my planning. There's been a lot of discussion on the forum about this. Might be worth a quick search. From what I recall, I believe the amount from SS is considered to be a reduction in the amount of money the pensions and portfolio...
by RadAudit
Wed Sep 10, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4018

Re: First post, Investment Questions

Welcome to the forum. Is there an index that mathes the Wishire 4500? Look at Vanguard Extended Market Index Fund Admiral Shares (VEXAX) - that should come close. I think putting money in slowly is wise as opposed to lumping it all into 3 indexes at once. Would you all agree? You want agreement from...
by RadAudit
Wed Sep 10, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post, Investment Questions
Replies: 31
Views: 1211

Re: Prioritizing: Dream Home vs. Retirement Savings

Rent your fantasies. What looks great now will not meet your needs / wishes later. I've watched the market at a nearby resort beach for more than 40 years. The perpetual upgrades in what are considered necessities in a cottage on / near the beach have been remarkable. I'm sure your tastes / requirem...
by RadAudit
Tue Sep 09, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Prioritizing: Dream Home vs. Retirement Savings
Replies: 33
Views: 2049

Re: Helping Mother In-Law With Retirement Planning

Would a withdrawal rate of $4500 - $6000 (3-4%) be a good strategy with a bond dominate AA? The rule of thumb is 4% per year.... that's just $6000/yr from a balance of $150k. If MIL has a normal life expectancy this has little chance of working. Question for you with regards to the 4% withdraw, doe...
by RadAudit
Mon Sep 08, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Mother In-Law With Retirement Planning
Replies: 36
Views: 2036

Re: Helping Mother In-Law With Retirement Planning

he requirements from the portfolio are the fill the gap between her social security of roughly $2,500.00 a month and projected expenses of about $5,000.00 a month. There is no additional income from a pension. RadAudit wrote: Are you sure you want to get involved with your mother-in-law, her money ...
by RadAudit
Mon Sep 08, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Mother In-Law With Retirement Planning
Replies: 36
Views: 2036

Re: When to jump ship?

And, for a small, sinking sailboat, never step down in to a lifeboat - always step up in to a lifeboat. The advice for larger vessels may vary. What does this mean, by the way? Some sailboats can stay afloat longer than you can stand to stay with the sailboat. The classic story is here. http://www....
by RadAudit
Mon Sep 08, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump ship?
Replies: 42
Views: 4812

Re: Helping Mother In-Law With Retirement Planning

Are you sure you want to get involved with your mother-in-law, her money and her retirement? I can see how this could go South in a big way real fast. There's nothing wrong with the AA, per se. Maybe a tad aggressive for someone in their late 60'S - however that's personal preference. But, a lot dep...
by RadAudit
Mon Sep 08, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Mother In-Law With Retirement Planning
Replies: 36
Views: 2036

Re: When to jump ship?

Your dream appears to be related to the question of when to retire and take social security not about swimming to an island. There are calculators for that. As for the nautical side of the dream, never try to swim to shore from a lifeboat. And, for a small, sinking sailboat, never step down in to a ...
by RadAudit
Mon Sep 08, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump ship?
Replies: 42
Views: 4812

Re: Bond Allocation

Is this the prior post you're talking about? http://www.bogleheads.org/forum/viewtopic.php?p=585125 The idea of having 1/3 total bond, intermediate bond and TIPS would seem to overweight intermediate bonds in a portfolio. Just a guess. You might want to run that potential portfolio through one of th...
by RadAudit
Mon Sep 08, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 10
Views: 1639

Re: Peter Lynch was wrong

I thought that part of Peter Lynch's decision to get out when he did was based on his father dying at a young age - about the same age Mr. Lynch was when he quit. Although, I remember reading that he remained active with some of his Alma Mater's investment decisions in his retirement. Or as is oft q...
by RadAudit
Sun Sep 07, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6030

Re: So, when does a market timer get back in?

There is a bell that goes off when the market hits a top and there is a bell that goes off when it hits bottom,you have to pay close attention or you will miss it,,, :happy I just look for the blood in the streets. Still not sure how deep it needs to be. :twisted: What is the appropriate depth for ...
by RadAudit
Sun Sep 07, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5499

Re: is a target date fund considered indexed

That question is usually answered by looking at the target date fund's portfolio. The target date fund I have has a portfolio that consists of several index funds. So, I consider it an index fund for my purposes. Your position on the subject may vary.
by RadAudit
Fri Aug 29, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 641

Re: What are you up YTD?

A quick scan of the replies seems to confirm the general conclusion that total portfolio return is strongly influenced by asset allocation. And, hopefully, asset allocation is a function of a need, willingness and ability to take risk. So, are we really reporting on how good our IPS is at actually d...
by RadAudit
Wed Aug 27, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 101
Views: 7769

Re: Dave Budge: The Indexing of Everything

but doesn't indexing as a whole basically feed off those people that think they're smart enough to game the system? I may be misreading this observation. But I thought indexing fed off the idea that for the individual investor it was difficult to find a mutual fund that delivered above market avera...
by RadAudit
Sun Aug 24, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Budge: The Indexing of Everything
Replies: 9
Views: 1459

Re: I need "Ultra High Net Worth" investing advice please

The OP asked about how to make a certain amount of money last for generations. Interesting question. And many Bogleheads came through with very good and necessary advice. One area that was hinted at but not thoroughly explored was values and how to pass them on from generation to generation. What wi...
by RadAudit
Sun Aug 24, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15863

Re: Bad(?) advice given about Target Date Retirement funds

i put my college age kids in target date 2060 fund because if they never develop an interest in the theory of investing they can ignore the fund, never touch it, and should have an appropriate asset allocation 45 years from now. +1 Neither of my children know or care about any theory of investing, ...
by RadAudit
Thu Aug 21, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6471

Re: Will you have to pay your parent's long term care costs?

If the word gets out, at least I can expect a few more phone calls from the kids asking about my health.
by RadAudit
Wed Aug 20, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 4013

Re: So am I a terrible father? [inheritance question]

Given the other responsibilities you probably you have, their possible duration and probable costs, and the other uncertainties of life and the tax code, I don't know if you don't have the right idea. Those unknowns - and other unknown unknowns - would seem to argue to keep as much money in a tax ad...
by RadAudit
Tue Aug 19, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 31
Views: 4477

Re: Poll: Cash Reserve for Investments

I have no cash in reserve for investments.

However, I do have ~ 2% in cash to cover one year of expenses beyond a small pension and a little SS, if necessary. So, I guess that's no, but I plan on building a reserve.
by RadAudit
Sun Aug 17, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Cash Reserve for Investments
Replies: 11
Views: 788

Re: What Allocation Makes Sense

Welcome to the forum. This is more of a bump up than of an answer. So a bit long on stocks for someone my age, but in low volatility funds. Is this too risky? The simple and truthful answer for you is I don't know. I do know it is too risky for me. Unfortunately, it is a question that only you can a...
by RadAudit
Thu Aug 14, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Allocation Makes Sense
Replies: 9
Views: 1169

Re: Tangible vs Intangibles when choosing an investment comp

"if they're charging 4%, I wouldn't have trusted them in the first place". I may have trusted them to do what they said they would do; but, if we were talking about investing in index mutual funds, I wouldn't have invested with them because there are other fund families that would perform...
by RadAudit
Thu Aug 14, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tangible vs Intangibles when choosing an investment company
Replies: 18
Views: 775

Re: Tangible vs Intangibles when choosing an investment comp

toto238 wrote:Would you invest with a company you don't trust if they have lower expenses?


No.

toto238 wrote: How much lower would the expenses have to be?


They don't make numbers that low.
by RadAudit
Thu Aug 14, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tangible vs Intangibles when choosing an investment company
Replies: 18
Views: 775

Re: Tropical vacation next winter with infant-where?

(2) Before the trip pick up a half a dozen or so little tiny toys and wrap them up in wrapping paper as little presents and hide them in your carry on. Then at various points along the way when everyone is reaching their limit you can pull out a little surprise present that can buy some peace for a...
by RadAudit
Wed Aug 13, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2766

Re: A financial “guru” for world travelers?

M_to_the_G wrote:Can people really fund fabulous Condé Nast traveler lifestyles by day trading for a few hours a day, as this person claims?


Some may be able to do it for awhile. Most others, probably not so much.
by RadAudit
Mon Aug 11, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: A financial “guru” for world travelers?
Replies: 18
Views: 2001

Re: Investment Portfolio

Welcome to the forum. You really just wanted to start out with the easy questions first, didn't you? :D The answers to those questions have generated more debate on this forum than the classic "How many angels can dance on the head of a pin?" (The correct answer varies depending on the den...
by RadAudit
Fri Aug 08, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio
Replies: 4
Views: 391

Re: Should this person buy bonds??

Just a wild guess here.

It would just be another element / asset class that he may wish to include in / exclude from his portfolio as he wades through the problem of determining an appropriate asset allocation that fits his individual need, ability and willingness to accept risk.
by RadAudit
Fri Aug 08, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Should this person buy bonds??
Replies: 16
Views: 1132

Re: Start all over at 63 years of age?

Your absolutely worst scenario is being unable to handle your own affairs and being robbed blind. You could end up dying painfully of infected bedsores in the worst medicaid mill you can imagine. It has happened to people in my own professional orbit. Live in girlfriend departed with 1.3 million in...
by RadAudit
Thu Aug 07, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Start all over at 63 years of age?
Replies: 23
Views: 4153

Re: New to BH, looking for AA advice

Welcome to the forum.

One thing I didn't see in the plan. Are you planning on having children?

If you are, does your plan cover their educational expenses which will begin to ramp up big time in about 20 years - or about 10 to 15 years in to planned retirement.
by RadAudit
Wed Aug 06, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New to BH, looking for AA advice
Replies: 7
Views: 658

Re: What is your most memorable 1 week vacation?

London over the Christmas Holidays 40+ years ago. Stayed in a bed and breakfast around the corner from Baker Street - Sherlock wasn't at home. Actually, as I remember, Sherlock's apartment wasn't there either. The delightful owner of the B&B delivered breakfast to the room and announced the star...
by RadAudit
Sun Aug 03, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 7910

Re: Dave Ramsey still defending 12% and still angry at "nerd

Personally, I liked Ramsey's views that the average annual return on money you didn't invest is zero; and, the problem with people's retirement accounts aren't that they didn't get 12%, the problem is they didn't put any money in to the investment. And, if we can get past the all too valid criticism...
by RadAudit
Fri Aug 01, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22770

Re: ? Best simple reference to dissuade a day trader

Google "Day Trader" and then - you may want to provide him ample space after this - you might want to google "Day Trader shoots"
by RadAudit
Fri Aug 01, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: ? Best simple reference to dissuade a day trader
Replies: 67
Views: 4368

Re: The Boglehead-prisoner’s dilemma.

midareff wrote:Deed to a piece of land near an expanding city.


Good idea.

However, how is he going to pay property taxes on the land for 15 years? And wouldn't the county throw the property in to foreclosure for back taxes before he could get out of prison, if the taxes weren't paid?
by RadAudit
Thu Jul 31, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5465

Re: Blog:World-wide mutual funds at a glance

joe8d wrote:The fact is that you can own almost every stock and bond in the world for 1K (TR Fund)


And, when (if) someone asks how many stocks do you own, you can answer truthfully - all of them.
by RadAudit
Wed Jul 30, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:World-wide mutual funds at a glance
Replies: 3
Views: 440

Re: Mecklenburg County, VA

Sand - other pieces of trivia. Both Lake Gaston and Kerr Lake (?) have camping and water recreational opportunities, as I recall. However, the Kerr Dam was built for flood control and electrical power generation (I think) so water levels on the lake behind that dam fluctuate maybe several / 10+ feet...
by RadAudit
Tue Jul 29, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Mecklenburg County, VA
Replies: 9
Views: 831

Re: Mecklenburg County, VA

I summered in Mecklenburg County more than 40 years ago when I worked for the Corps of Engineers at the dam - painting boundary lines. (The boundary line was important to the farmers to mark the start of the government land.) There was a cute little restaurant on the town square where you could get ...
by RadAudit
Mon Jul 28, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Mecklenburg County, VA
Replies: 9
Views: 831

Re: Do Bogleheads Feel Wealthier?

Why, no. I don't feel wealthier. After hanging around this site for a while, I know I'm not wealthier than some who post to the site.

However, I continue to spend more as time goes on due to inflation and on travel. Somehow I stay pretty close to my target SWR and so far it seems to be working.
by RadAudit
Mon Jul 28, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4682

Re: Vanguard sued for charging too little

No good deed ever goes unpunished.

Thanks for the link
by RadAudit
Sat Jul 26, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21466

Re: Need Help and totally confused!!

I'm sorry for your loss. Welcome to the forum. Folks better versed than I shall arrive shortly and provide more help. I'd open up savings accounts in eight local FDIC insured banks and / or nationally insured credit unions. I'd then deposit $225,000 in each account keeping the balance in each bank u...
by RadAudit
Wed Jul 23, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 33
Views: 2056

Re: So how long will I live? How long do I plan for?

Simply put. I stopped reading the obituaries. Too many folks dying that are younger than me (65). Act accordingly. Good luck! Why did you ever start ? My DW started reading obits while working at the welfare office. She said it was the easiest way to close out a case file. The habit of reading obit...
by RadAudit
Wed Jul 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 4376

Re: VMMXX: Finally Pulled the Trigger

John, thanks for the post. Just like a number of the threads on the site, yours leads me to look at my portfolio and wonder why am I doing THAT :oops: (Whatever that is at the moment). Maybe I should move money from VMMXX to a short term bond fund while I wait for a planned short term need to appear...
by RadAudit
Tue Jul 22, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 20
Views: 2732
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