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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
Sun Mar 29, 2015 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest in retirement
Replies: 13
Views: 1285

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
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: 1332

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
Fri Mar 27, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3211

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 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6085

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
Thu Mar 26, 2015 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard target fund vs age in bonds
Replies: 12
Views: 1451

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
Wed Mar 25, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on new bond fund
Replies: 3
Views: 550

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

Thank you all, very much, for your replies.
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: 384

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
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: 384

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' ...
by RadAudit
Mon Mar 23, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Passive Investing w/Vanguard
Replies: 9
Views: 1243

Re: RMD Vanguard state tax withholding

en if you don't withhold you may still have to pay quarterly estimated taxes if you want to avoid underpayment penalties. So the timing difference isn't that great. Very true. You must live in a more prosperous state than I do - or maybe I have a harsher opinion of my state legislature than you hav...
by RadAudit
Sun Mar 22, 2015 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 638

Re: RMD Vanguard state tax withholding

Whether Vanguard withholds tax from RMDs or not does not change one's tax obligation. I don't see how anyone is missing out on oodles of tax money. If one takes their RMDs on a monthly basis, and files his state taxes in April of the following year, the state is missing out on holding on to your ta...
by RadAudit
Sun Mar 22, 2015 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 638

Re: RMD Vanguard state tax withholding

I have been complaining to Vanguard about this. I have been told that Vanguard will withhold state income taxes for states that require them to do so. However, if a state does not have such a requirement, Vanguard will not withhold for that state. How about writing your state representatives and go...
by RadAudit
Sun Mar 22, 2015 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 638

Re: And then there were three....

+1 for Fidelity Freedom Index 2040

OP, your selections are too expensive and have too many moving parts. Look under the hood. Go with broad based, low cost, cap weighted index funds in your target date fund.
by RadAudit
Sun Mar 22, 2015 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: And then there were three....
Replies: 6
Views: 919

Re: Boglehead Portfolio

A difficult question to answer with any degree of correctness without any information concerning your age, financial condition, goals, etc., etc. (see Asking Questions and a few more of the topics here [including reading a few of the referenced books] http://www.bogleheads.org/wiki/Getting_started )...
by RadAudit
Fri Mar 20, 2015 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead Portfolio
Replies: 3
Views: 412

Re: Need a sanity check

. My international allocation is 30% - I came up with that from Vanguard's study where they said 20-40% is the sweet spot for international funds. Any reason to increase/decrease that? No reason to change the international allocation; but, are you aware Vanguard is going to 40% international in its...
by RadAudit
Thu Mar 19, 2015 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a sanity check
Replies: 13
Views: 1547

Re: Which Financial Economic theory says ....

theory is, well, just theory. Thank you, adamthesmythe. After spending a delightful day running through the wiki, various forum threads, on-line textbooks, summaries of EMH, MPT, CAPM, three factor FF, etc., I concur. I'm also coming to believe that, for the likes of me, the three (four?) fund port...
by RadAudit
Wed Mar 18, 2015 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Which Financial Economic theory says ....
Replies: 6
Views: 618

Re: Which Financial Economic theory says ....

Nisi, thanks for the link.

If you understand 1/3 of it, you're way ahead of me. But, at least now I know why I spent four years studying the wedge in school.
by RadAudit
Tue Mar 17, 2015 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Which Financial Economic theory says ....
Replies: 6
Views: 618

Re: Which Financial Economic theory says ....

All valid questions. . I don't understand the "arithmetic" reference. I believe it has something to do with the arithmetic of active management; but, I'm not sure. http://web.stanford.edu/~wfsharpe/art/active/active.htm The guy may be a (former) professor but this is not an academic public...
by RadAudit
Tue Mar 17, 2015 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Which Financial Economic theory says ....
Replies: 6
Views: 618

Which Financial Economic theory says ....

I would greatly appreciate some insight - seeing that I am in short supply of that commodity. William F. Sharpe noted in 2002 that Financial Economic theory suggests that the average investor should hold everything available, in market proportions, and arithmetic shows that this must be true. The sp...
by RadAudit
Tue Mar 17, 2015 7:54 am
 
Forum: Investing - Theory, News & General
Topic: Which Financial Economic theory says ....
Replies: 6
Views: 618

Re: Should I change Asset Allocation to a more conservative

Is it time to move to a table with lower stakes while I have won. Well, since you are asking, the answer is probably yes. Just before 2000, I projected that if things kept going the way they had been going - I'd have more than enough to retire early and take a really nice overseas trip. They didn't...
by RadAudit
Sun Mar 15, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I change Asset Allocation to a more conservative mix
Replies: 20
Views: 1949

Re: Edward Jones - A Detrimental Option for Investors

How can a company like this one continue doing business? Corporate advertisements? Selling people what they can convince them they need? And the brokers seem so friendly and really concerned about your financial well being! My Dad didn't like paying taxes twice on the same money (Once when he made ...
by RadAudit
Sun Mar 15, 2015 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - A Detrimental Option for Investors
Replies: 13
Views: 2457

Re: Following one's spouse in a relocation: Advice or commen

texasdiver wrote:Who else here as given up a stable career to follow a spouse and how did that work out?


When I was a lot younger, the wife did this sort of thing every time the husband got a new job out of time. It seemed to work out for them. Maybe not exactly as planned. but ....
by RadAudit
Fri Mar 13, 2015 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Following one's spouse in a relocation: Advice or comments?
Replies: 21
Views: 1510

Re: American Funds beats the market 97% of the time?

He pointed out that AF has beaten the market 97% of the time over that past 30 years, so it would be silly to give that up for passive index funds. https://www.americanfunds.com/pdf/mfcpwp-028_capidea913.pdf I'm curious if other have read this and what your thoughts are? In situations like these it...
by RadAudit
Fri Mar 13, 2015 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5235

Re: Vanguard Total International Bond Index Fund

What are the prospects for capital appreciation for the long haul? Well, over the last year or so it looked like this. https://personal.vanguard.com/us/funds/snapshot?FundId=0511&FundIntExt=INT Now, I believe it was due primarily due to the reduction in the interest rates in some of the markets...
by RadAudit
Thu Mar 12, 2015 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Bond Index Fund
Replies: 5
Views: 916

Re: Vanguard Total International Bond Index Fund

On the other hand, William F. Sharpe of The Arithmetic of Active Management http://web.stanford.edu/~wfsharpe/art/active/active.htm also wrote an interesting article on domestic / international investing http://web.stanford.edu/~wfsharpe/art/talks/indexed_investing.htm The first article is considere...
by RadAudit
Thu Mar 12, 2015 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Bond Index Fund
Replies: 5
Views: 916

Re: Credit Check to Rent an Apartment?

Thanks to all for your replies.

Guess a few things have changed since I last rented an apartment in 1971. (My wife frequently tells me that they also have talking movies now, too. :happy )
by RadAudit
Wed Mar 11, 2015 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1520

Re: Credit Check to Rent an Apartment?

livesoft wrote:What financial information is there to protect in this case?



Usual stuff - credit cards, checking account, savings account, credit union account, 401(k) account, tax refund and his credit rating which, if memory serves, gets dinged every time when individuals check his credit.
by RadAudit
Wed Mar 11, 2015 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1520

Credit Check to Rent an Apartment?

Is it now accepted practice to demand a credit check from an individual before renting them an apartment? My kid is trying to rent a room in a HCOL area. A number of possible apartments are requiring a credit check prior to renting the apartment. How do you protect your financial information if you ...
by RadAudit
Wed Mar 11, 2015 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1520

Re: Vanguard Target Retirement 2040 question

These questions have been beat to death over the prior week. See the post about Rick Ferri moving toward a more international portfolio. The implication is that the fund is moving toward being more like a world fund than it has been in the past. The expressed reasons, from Vanguard, are research ind...
by RadAudit
Wed Mar 11, 2015 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2040 question
Replies: 2
Views: 371

Re: How many really understand how investing works?

[ A side note: The area in which I live contains many, many folks who live in multi-million dollar homes with all the trimmings. A significant number are hedge fund, capital venture, or equity capital guys (I say "guys" because I haven't encountered a single female in this category (sadly)...
by RadAudit
Wed Mar 11, 2015 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3159

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: 946

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: 38
Views: 3688

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: 58
Views: 3796

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: 361

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: 1236

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: 1895

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: 1895

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: 456

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: 37368

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: 37368

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: 219
Views: 17573

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: 37368

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: 37368

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: 219
Views: 17573

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: 219
Views: 17573

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: 219
Views: 17573

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: 219
Views: 17573

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: 219
Views: 17573

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: 2833

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: 219
Views: 17573
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