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Re: Leave an IRA through a Trust?

Thanks to all for your help
by RadAudit
Thu Apr 23, 2015 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leave an IRA through a Trust?
Replies: 14
Views: 1063

Leave an IRA through a Trust?

First off, thank you all for your help in the past. A question has come up on the best way to leave an IRA to a beneficiary. Obviously, one can designate a beneficiary and the IRA will transfer at the death of the owner. An alternative approach is to leave the IRA to a trust at the death of the owne...
by RadAudit
Thu Apr 23, 2015 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Leave an IRA through a Trust?
Replies: 14
Views: 1063

Re: Why I Chose Target Retirement Funds

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


+1
by RadAudit
Wed Apr 22, 2015 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Why I Chose Target Retirement Funds
Replies: 36
Views: 3729

Re: Retirees: What is your SWR in retirement?

If I had no pension, my SWR would be 3.5% at my current rate of expenditure. With a 3% increase per year for inflation and currently projected portfolio returns, the money ought to last until about 10 years beyond my wife's expected life span. Of course, I could be wrong; but, by then, I'll probably...
by RadAudit
Tue Apr 21, 2015 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 3938

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

See the 1939 version of "The Wizard of OZ" - especially where the Wizard is handing out medals for courage. Lot of wisdom in that scene. There are people out there investing other peoples' money who have no more (and probably a lot less) capability than you do. But they have something that...
by RadAudit
Tue Apr 14, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on investing (no career path) 28 yrs old
Replies: 17
Views: 1224

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

Can you share your thinking about your up coming robo adviser products as it pertains to someone that is in retirement and taking money out of a robo portfolio. I would never try to guess at what Mr. Ferri's opinion about robo advisor products might be. But if I did, I would assume that he views hi...
by RadAudit
Mon Apr 13, 2015 11:11 am
 
Forum: Investing - Theory, News & General
Topic: My expanded interview w/ Barry Ritholtz of Bloomberg Radio
Replies: 7
Views: 1243

Re: Stop contributing, and cash out your 401

Vanguard Financial Strategies? :annoyed

Thanks for the heads up concerning checking the credentials of the guy who is trying to sell you stuff.
by RadAudit
Sun Apr 12, 2015 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Stop contributing, and cash out your 401
Replies: 16
Views: 2786

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

If you are going to play "woulda, shoulda, coulda", it's going to drive you crazy. Literally. Unless you have a time machine, you can't go back and get a do over. Learn from your mistakes. It's called experience. You can only control what you do today. You have the time and money to make t...
by RadAudit
Sat Apr 11, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5757

Re: How to know if I am saving enough?

If yes - how to get rid of feeling that I live beyond my means? If no - how to know how much should I save? You are encouraged to live below your means. Or more to the point, you are not encouraged to borrow on the credit cards up to the maximum limit and then only pay the minimum required. But you...
by RadAudit
Fri Apr 10, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to know if I am saving enough?
Replies: 25
Views: 2682

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

Why, yes. OP is missing something. And, the problem and the solution have been discussed for at least 3000 years in one forum after another. Others on this thread have eloquently pointed to a host of solutions. As you point out in your closing paragraphs, part of the problem is "the guy who die...
by RadAudit
Fri Apr 10, 2015 6:28 am
 
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7325

Re: Bogle: Investors are Now Drving Ethics

Thanks for the post. I'm interested. How does Bill Sharpe get to his estimate of costs? Anyone have a link? Bill Sharpe produces this 100-basis-point total cost associated with a 6-basis-point total market index fund,. He compares it to a 112-basis-point average active equity fund and expense ratio...
by RadAudit
Wed Apr 08, 2015 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Investors are Now Drving Ethics
Replies: 6
Views: 1201

Re: Bogle: Investors are Now Drving Ethics

Thanks for the post. I'm interested. How does Bill Sharpe get to his estimate of costs? Anyone have a link? Bill Sharpe produces this 100-basis-point total cost associated with a 6-basis-point total market index fund,. He compares it to a 112-basis-point average active equity fund and expense ratio.
by RadAudit
Wed Apr 08, 2015 8:06 am
 
Forum: Investing - Theory, News & General
Topic: Bogle: Investors are Now Drving Ethics
Replies: 6
Views: 1201

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

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


No.
by RadAudit
Tue Apr 07, 2015 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 16711

Re: Please help a greenhorn out with asset allocation!

I believe I understand what you're saying in regards to bonds going into tax advantaged accounts and equities into taxable. Correct. That's how you might want to approach it - if you can't get as much as possible - both equities and bonds - in tax advantaged accounts. Others may have different opin...
by RadAudit
Mon Apr 06, 2015 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help a greenhorn out with asset allocation!
Replies: 5
Views: 503

Re: Please help a greenhorn out with asset allocation!

All advice is obviously more than welcome and appreciated. So young. So optimistic. :wink: Welcome to the forum I didn't / couldn't figure out exactly what asset allocation (% stock / % bond split; % domestic / % international split) you were targeting. That would help suggest an approach at the fu...
by RadAudit
Sun Apr 05, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help a greenhorn out with asset allocation!
Replies: 5
Views: 503

Re: Glide path design

Some people don't use a glidepath at all; they keep their asset allocation the same throughout retirement. In particular, all of the safe withdrawal rates studies were done with fixed asset allocations. The famous 4% rate is based on a fixed allocation. No one has done any studies on what would be ...
by RadAudit
Fri Apr 03, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Glide path design
Replies: 23
Views: 1498

Re: Glide path design

Try here - http://www.bogleheads.org/wiki/Glide_paths I'm a couple of years into retirement and I'm currently 50 / 50. I'm in the process of trying to figure out if I should ramp down the % in equities and at what rate. I'm trying to figure out how much income the portfolio will throw off at various...
by RadAudit
Fri Apr 03, 2015 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Glide path design
Replies: 23
Views: 1498

Re: Adrift in a Sea of Apathy

I don't know how this thread is actionable. Except to note, that different people have different interests and priorities. To some people, money doesn't matter as long as there's enough coming in for them to do what they want to do for as long as they want to keep on doing it. It's our job to figure...
by RadAudit
Wed Apr 01, 2015 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adrift in a Sea of Apathy
Replies: 8
Views: 1284

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: 1371

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: 1367

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: 3297

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: 74
Views: 7975

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: 1494

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: 570

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: 403

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: 403

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: 1278

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: 667

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: 667

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: 667

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: 947

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: 424

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: 1582

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: 637

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: 637

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: 637

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: 637

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: 2015

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: 2488

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: 1560

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: 5362

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: 955

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: 955

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: 1629

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: 1629

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: 1629

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: 381

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: 3243

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: 986

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: 3886
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