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Re: Help with Revamping Husband's retirement?

My inclination is to put everything into the VG Total Retirement Fund 2030 (this is what I do with my own). Any reason this is a bad idea? Any better allocations? Other options include: VG Total Retirement 2030 is a very good option. However, I believe you'd get better answers to your question, if ...
by RadAudit
Thu Mar 05, 2015 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Revamping Husband's retirement?
Replies: 16
Views: 843

Re: Backpedaling: Rising Equity Allocation During Retiremen

Thanks for the post. As we get further in to financial research, the more similarities I see between that and modern science and diets. Use to be that you shouldn't drink coffee; now coffee is OK. Now we have it use to be a rising equity AA in retirement was the thing to do; now, maybe not in some c...
by RadAudit
Wed Mar 04, 2015 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Backpedaling: Rising Equity Allocation During Retirement
Replies: 34
Views: 2748

Re: Poll: Increasing international equities

I'm definitely contemplating more internationals both in stocks and bonds. Several years ago, when the kids started their first jobs, I recommended they go with appropriate target date funds. I promised that, although our AA would differ, I'd use the same domestic international split in my investmen...
by RadAudit
Tue Mar 03, 2015 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 56
Views: 3193

Re: Is there a "season" for online brokerage promotions?

Sort of like "Back to School Sales" and "January White Sales"?

Haven't noticed. But I believe they pay those guys big bucks to think up reasons why it is always the right season to ship money their way.
by RadAudit
Tue Mar 03, 2015 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a "season" for online brokerage promotions?
Replies: 2
Views: 337

Re: Does Cap-Weighting Distort U.S. Investors' Worldview?

Thanks for posting the info. I could see how one could make a case for a more global portfolio (Less home country bias. How much? Don't know) based on the trends. I am reminded of a chart I saw on the forum that compared the dispersion of the world GDPs by country for every 50 (?) years or so going ...
by RadAudit
Mon Mar 02, 2015 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Does Cap-Weighting Distort U.S. Investors' Worldview?
Replies: 12
Views: 1161

Re: Life events downturn

You've received some good advice. If the replies yet to be received don't provide an overall plan given your situation, you may want to go to a CFP. How you pick a good one, I don't know. Vanguard - and others - may have low cost solutions on a one shot basis. Remember good advice doesn't have to be...
by RadAudit
Mon Mar 02, 2015 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Life events downturn
Replies: 15
Views: 1740

Re: New here--life events downturn

This a bump up. Others will be along shortly. I'm sure they will be of a great deal more help than I could ever be. But I'll try to offer some opinions. That said - 7. Should we get some sort of insurance for my husband like life insurance, long term disability, short term disability? Yes. You're do...
by RadAudit
Sun Mar 01, 2015 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life events downturn
Replies: 15
Views: 1740

Re: rebalancing & purchasing when fear is present

You aren't suppose to rebalance out of fear unless you really messed up your AA to begin with, are you?

But to answer the question, I rebalance toward the targets set in my IPS if the portfolio has drifted more than 5% off the mark.
by RadAudit
Sun Mar 01, 2015 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing & purchasing when fear is present
Replies: 8
Views: 434

Re: Rick Ferri looking to internationalize his portfolio

After reading Mr. Ferri's blog, I would tend to agree with his thesis. What Vanguard funds would be considered if I wish to follow in-step with Rick? I'm assuming he would be allocating more to funds such as VEU and VWO from VTI? Others may disagree, but I'd guess that you could get close with four...
by RadAudit
Sun Mar 01, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36149

Re: Rick Ferri looking to internationalize his portfolio

We can keep bringing posters back to the article so that the actual predictions in the article will be remembered on this thread at least. Thanks for bringing us back to the point of the article. The way I understand it is - Rick has a portfolio that is weighted toward domestic stocks and bonds. (7...
by RadAudit
Sun Mar 01, 2015 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36149

Re: International increase in Target Retirement & LifeStrate

As an international investor since the 1980's (Scudder International, anyone?) I have a hard time understanding what all the fuss is about. L. I agree, much ado about nothing. It's not going to radically alter the risk or performance of a balanced portfolio. Thanks for talking me down off the ledge...
by RadAudit
Sat Feb 28, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: Rick Ferri looking to internationalize his portfolio

I think it would be a good idea for posters to read the blog before posting, rather than just the title of the thread. Good idea. Moody's has doubled it's estimate of the risk of a Ukraine sovereign default: Good point. But the best I can figure is that Ukraine, Venezuela and Greece account for lit...
by RadAudit
Sat Feb 28, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36149

Re: Rick Ferri looking to internationalize his portfolio

Rick Ferri wrote:They copied my business model and now offer a low-cost Personal Advisor Service, so they might as well copy my investment decisions. :happy

Rick Ferri


Plagiarism is the sincerest form of flattery. :happy

Or, great minds think alike.

Good luck in the future.
by RadAudit
Sat Feb 28, 2015 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 296
Views: 36149

Re: International increase in Target Retirement & LifeStrate

This worries me, It's suppose to worry you - in confusion, there is opportunity. Opportunity for whom and how much has yet to be determined. But, thanks for the link. If I read the charts correctly, Vanguard suggests that the volatility on the equities side of the portfolio decreases as you approac...
by RadAudit
Fri Feb 27, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: Vanguard Target Date Funds - Increasing International. .

My thoughts (? Ha!) are posted here on page 2 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=159493&newpost=2394999 I'm trying to figure out the increased risk and volatility injected into a target date fund by these proposed / planned changes and I'm drawing a blank. If you get to an...
by RadAudit
Fri Feb 27, 2015 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: International increase in Target Retirement & LifeStrate

Ok. Just so we can ballpark this - When the changes are made to the Target 2015 fund, how much will this year's return be increased / decreased by? Or since the future is not known - how much would last year's returns have been changed if the Target 2015 portfolio's AA had had these modifications? ...
by RadAudit
Fri Feb 27, 2015 7:57 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: International increase in Target Retirement & LifeStrate

The main purpose of bonds it seems to me is to provide stability against the volatility of equity. I believe that high quality US bonds fulfill that purpose quite well, better than currency hedged international bonds. I concur.The only reason I raise the question in the prior post is that'll be the...
by RadAudit
Thu Feb 26, 2015 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: International increase in Target Retirement & LifeStrate

Ok. Just so we can ballpark this - When the changes are made to the Target 2015 fund, how much will this year's return be increased / decreased by? Or since the future is not known - how much would last year's returns have been changed if the Target 2015 portfolio's AA had had these modifications? I...
by RadAudit
Thu Feb 26, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

Welcome to the forum. I always viewed the SWR as it related to how long would the money last if you took out X% + inflation each year and the portfolio was invested with an AA of y% stocks and z% bonds. The size of the portfolio, per se, didn't enter the equation. http://www.bogleheads.org/wiki/Safe...
by RadAudit
Thu Feb 26, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2610

Re: International increase in Target Retirement & LifeStrate

Well if there is any truth in the study linked in this post - https://www.bogleheads.org/forum/viewtopic.php?f=10&t=159480&newpost=2393540 - it might be a good thing after all, long term. If we disagree, I guess we'll have to break our investments in to the component parts and go on from the...
by RadAudit
Thu Feb 26, 2015 9:00 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 147
Views: 10511

Re: Aging Populations and Stock/Bond Market Returns

Thanks for the post.

Lot of good work here and in the article
by RadAudit
Thu Feb 26, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Aging Populations and Stock/Bond Market Returns
Replies: 31
Views: 3271

Re: passive investing vs hedge funds

Does anyone invest in hedge funds as an alternative investment here? Possibly. But, they are real quiet about it. As a general rule, hedge fund costs are too high to be considered a suitable alternate investment for this crowd. http://www.bogleheads.org/wiki/Hedge_funds And, you may not have enough...
by RadAudit
Wed Feb 25, 2015 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: passive investing vs hedge funds
Replies: 4
Views: 334

Re: Inheritance/New Investor Guidance

Welcome to the forum. Another source that may help you is http://whitecoatinvestor.com/ I really like the sound of managing my own portfolio, and the 3 fund portfolio also sounds good. Good call. http://www.bogleheads.org/wiki/Three-fund_portfolio Simple, sophisticated. Expandable through multiple o...
by RadAudit
Wed Feb 25, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Inheritance/New Investor Guidance
Replies: 13
Views: 933

Re: Can someone please help me with this investment thing!

As you get a little farther in to all of this, you'll get to the question "What should I invest in?" One simple and yet sophisticated answer is found here http://www.bogleheads.org/wiki/Three-fund_portfolio However, don't rush to get there. Read Getting Started and watch the videos. Read a...
by RadAudit
Wed Feb 25, 2015 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Can someone please help me with this investment thing!
Replies: 17
Views: 1190

Re: Yet another how much to save for retirement question....

Welcome to the forum. If I'm reading this correctly you want an extra 90K / yr [150k - (5k x 12)] starting in 25 years and running for 30 years after that. Just a guess and it's not adjusted for inflation but - Assuming 3% SWR you'll need 3 mil in 25 years. Assuming a 4% SWR you'll need about 2.25 m...
by RadAudit
Tue Feb 24, 2015 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another how much to save for retirement question.....
Replies: 5
Views: 696

Re: Newly Married, want to simplify and make a plan

I think of it like playing the lottery, and would not do it with a large portion of my money, Good idea. Some folks think play money should be limited to < 5% of the portfolio. a stock can outperform an index fund many times over if it's a great company bought at the right time. Correct. I think it...
by RadAudit
Tue Feb 24, 2015 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married, want to simplify and make a plan
Replies: 12
Views: 1109

Re: Portfolio Advice Appreciated

Any suggestions will be appreciated. I'm in the middle of filing my taxes and my head hurts - so take the following for what it is worth. http://www.bogleheads.org/wiki/Three-fund_portfolio I think you can do just about as well in your IRAs with three funds as you can with the crop you have now. Pe...
by RadAudit
Tue Feb 24, 2015 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Appreciated
Replies: 5
Views: 389

Re: Portfolio Advice

Take this as free advice; and, we all know how much that is worth Any recommendations on asset allocation? 90 / 10 at 35 is a tad too aggressive for my tastes - but, that's personal tastes. However, even target retirement funds are about 90 / 10 until about 45 if I remember correctly so you may not ...
by RadAudit
Tue Feb 24, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 4
Views: 413

Re: Newly Married, want to simplify and make a plan

Can someone point me to a few of the best ETF-based portfolios, http://www.bogleheads.org/wiki/Three-fund_portfolio Simple. Wide diversification. Low cost, cap weighted. It'll be your call if you think you need to pay a financial planner 0.7% to help manage three funds. They're good for other thing...
by RadAudit
Tue Feb 24, 2015 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Newly Married, want to simplify and make a plan
Replies: 12
Views: 1109

Re: 21 lottery winners who blew it all-Business Insider

My opinion is this thread will be locked due to lack of actionable information - unless a number of us have actually won a lottery. In that case, please post in another thread and ask the questions you need to ask.
by RadAudit
Sun Feb 22, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: 21 lottery winners who blew it all-Business Insider
Replies: 7
Views: 1245

Re: Investment Funds Advice

Welcome to the forum. I guess to help her we / you are going to need to know what she wants to do. How complicated does she want to get in her portfolio? Does she want to get more conservative in her AA as she goes ages? Why is she so heavily in to cash equivalents. How much risk does she want to ta...
by RadAudit
Sun Feb 22, 2015 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Funds Advice
Replies: 1
Views: 210

Re: Mid 60's , still working , need help with a plan

Welcome to the forum. This is a bump up. I saw your post yesterday and don't have the answer. It bothers me that I don't have the answer or even a good answer; but, I'll do what I can. Your reading Guide to Retirement. That's good. If your are thinking about transferring IRAs to Vanguard there's hel...
by RadAudit
Sun Feb 22, 2015 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid 60's , still working , need help with a plan
Replies: 7
Views: 1625

Re: Beginner help Investing 401k

RLB31384 wrote: Can someone help me out and tell me what I should start off with?


Start here. http://www.bogleheads.org/wiki/Getting_started
by RadAudit
Sun Feb 22, 2015 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginner help Investing 401k
Replies: 3
Views: 208

Re: AA Question

Welcome to the forum +1 for bengal22 Same here. Now, there is a lot of debate on the subject as one might imagine. As I understand it, including pensions in an AA leads to interesting questions which lead to, usually, higher allocations in the remainder of the portfolio to equities. Keeping pensions...
by RadAudit
Sun Feb 22, 2015 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Question
Replies: 4
Views: 364

Re: Retirement Investment Advice

Welcome to the forum. 1. ... Need to know if we can do better with our current investment portfolio. Yes. 2. Outside of the 401K fund I believe we should consolidate our investments into maybe 5 diversified index funds. What’s your opinion? In your IRAs, you can probable do as well, if not better, a...
by RadAudit
Sat Feb 21, 2015 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Advice
Replies: 1
Views: 320

Re: The Distribution of Individual Stock Returns, 1983-2006

Thanks for the post. If I recall correctly, this sort of correlates with a Morgan Stanley study discussed on the forum recently. I believe it showed something like ~70% of the majority owners of the firms listed on the Street could have improved the performance of their portfolios if they had not re...
by RadAudit
Sat Feb 21, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Distribution of Individual Stock Returns, 1983-2006
Replies: 20
Views: 1790

Re: New to investing - advice

+1 for timboktoo ybc, with either Target 2050 or Target 2060 you are ~90% in equities in that part of the portfolio. It might help if you just choose whichever is closest to your projected retirement date and go with that. I can't think of any reason why you'd need two target date funds right now an...
by RadAudit
Sat Feb 21, 2015 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - advice
Replies: 4
Views: 344

Re: IRA target fund

Is there a way to estimate what a reasonable rate of return would be? Yes. Lot of websites talk about reasonable rates of returns. Vanguard has a select your portfolio feature that'll use historical rates of return to show you the projected rate of return of a portfolio using different asset alloca...
by RadAudit
Sat Feb 21, 2015 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA target fund
Replies: 6
Views: 589

Re: Do you watch commercials?

OTOH. I use to, on occasion. I had a masters level course in marketing that included a couple of lectures on them. The good ones - and the industry use to give out annual awards for the best ones - are real works of art that hit on a number of criteria depending on what they are trying to do and how...
by RadAudit
Sat Feb 21, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Do you watch commercials?
Replies: 42
Views: 1856

Re: IRA target fund

Welcome to the forum. If you are really new to investing start here. http://www.bogleheads.org/wiki/Getting_started Read the links, watch the videos, read a few of the referenced books. Might take a few weeks. I'll most likely use a 20 year target fund. Can someone tell me if it's reasonable to esti...
by RadAudit
Sat Feb 21, 2015 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA target fund
Replies: 6
Views: 589

Re: Should I switch to the 3 fund portfolio?

What does AA mean? asset allocation Asset allocation, think I got it. Also, can I contribute pre tax dollars to my new, soon to be vanguard account, without an employer 401k? Check IRS Pub 590 (?) to be sure, because I don't know . At least I don't know enough to feel comfortable with the idea of y...
by RadAudit
Fri Feb 20, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I switch to the 3 fund portfolio?
Replies: 23
Views: 3185

Re: Poll: How Would You Want Your Estate Divided?

I voted per stirpes for a couple of reasons. I've been roaming around a genealogical site and have come to the conclusion that after a couple of generations, it doesn't matter what you do. In our family tree, it's all gone fairly quickly. The record shows large land ownership and at least one US con...
by RadAudit
Fri Feb 20, 2015 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: How Would You Want Your Estate Divided?
Replies: 43
Views: 3429

Re: Two Hedge Fund Managers Walk into a Bar...

Delightful article. Thanks for the link.
by RadAudit
Fri Feb 20, 2015 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Two Hedge Fund Managers Walk into a Bar...
Replies: 10
Views: 1737

Re: Just started thinking about finances - Planning ahead ad

This is a bump up because I don't know if I can help. You folks are way out of my league based on the tax rate alone. So, here are some thoughts. Hope they don't sound harsh. Start here. http://www.bogleheads.org/wiki/Getting_started Read the material. Watch the videos. Repost your portfolio in the ...
by RadAudit
Thu Feb 19, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just started thinking about finances - Planning ahead advice
Replies: 23
Views: 1036

Re: Investing Advice to Mother/Father In Law

Run away from anyone who suggests a way to "put your money to work for you." That's the first warning sign. Second big warning sign - The broker said that she has made "18-20%" and that it's not unusual to average 10-12% per year. In today's market, 10% to 12% per year would draw...
by RadAudit
Wed Feb 18, 2015 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Advice to Mother/Father In Law
Replies: 16
Views: 1200

Re: Portfolio Advice

Welcome to the forum. This is more in line with a bump up. I was talking to my coworkers today, and they said a lot of people they know took a loan out against their 457(b) to use on a down payment on a house. I was wondering if you guys think its a good option? That's probably not the best option y...
by RadAudit
Wed Feb 18, 2015 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help With Young Portfolio
Replies: 7
Views: 652

Re: Should I switch to the 3 fund portfolio?

If you really want to set it and forget it, a target date fund or a life strategy fund (both at Vanguard) comes as close to it as you can get. Life strategy funds have good diversification and automatic rebalancing to a predetermined AA. With the target date funds, same thing except the AA becomes m...
by RadAudit
Wed Feb 18, 2015 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I switch to the 3 fund portfolio?
Replies: 23
Views: 3185

Re: The Non-Millionaire Next Door

OP, one of the upsides of genealogical research is that you know who your relatives are. :happy One of the downsides is they can figure out who you are. :oops: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=158386 I don't have any answers. But I agree, it takes an awful lot of money to to ...
by RadAudit
Tue Feb 17, 2015 8:07 am
 
Forum: Investing - Theory, News & General
Topic: The Non-Millionaire Next Door
Replies: 43
Views: 6246

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Really sad and disappointing to see that we still haven't even reached 1000 signatures. Mr. Lindauer, thanks to you - and the others - for your continuing efforts in this matter. I, too, am disappointed. I figure that anyone who is now enjoying the benefits of a low cost, cap weighted, index fund i...
by RadAudit
Mon Feb 16, 2015 11:24 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 174
Views: 9946

Re: How to make this fair: gifting to kids with different me

I find the posts in this thread to be remarkable. Remarkable in the sense that there are so many well adjusted and emotionally mature individuals posting on this forum. I have been privileged to see the effects of unequal distributions of estates and unequal gifting. In a number of cases, the outcom...
by RadAudit
Fri Feb 13, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 8903
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