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Re: Can you outperform?

I don't know. But that is one way to play the game. And the outcome should be pretty good - even if you don't outperform the index.

(A similar approach seemed to have worked for me over the last twenty five years or so.)

Best of luck.
by RadAudit
Thu Oct 23, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1086

Re: The 1 Thing Successful Investors Never Do

Thanks for the post. few people know that they (Buffet and Munger) used to have a third partner: Rick Guerin. Guerin was in a hurry to get rich and was borrowing money using margin loans to invest in the stock market. In the market downturn of the early 1970s, when the stock market dropped roughly 7...
by RadAudit
Wed Oct 22, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: The 1 Thing Successful Investors Never Do
Replies: 10
Views: 3199

Re: Who do you trust when you must ask for advice.

Welcome to the forum. Trust your gut. My folks had and I still have an account at Ed. Jones. While I don't believe Ed Jones promotes unethical behavior, I do believe that some of their products / sales may not be at the lowest price available in the marketplace. I don't think that is necessarily une...
by RadAudit
Mon Oct 20, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Who do you trust when you must ask for advice.
Replies: 9
Views: 1058

Re: Why do people use age instead of life expectancy?

Thanks for posting the thread and thanks for the links to articles in the replies. Lots to think about. All I have to do is adopt a few of the suggestions in the first linked article and I've greatly reduced my chances of outliving my assets - one less thing to worry about. However, I did notice the...
by RadAudit
Sat Oct 18, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2914

Re: First time investor needs help

what should i do? ... Please help! 1) stay the course and implement the 6 month DCA Why, yes. Stay the course. It seems you developed a good, long term plan with a six month implementation time frame a couple of months ago. Stick with the plan. Rebalance back to your target AA when the portfolio va...
by RadAudit
Mon Oct 13, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: First time investor needs help
Replies: 13
Views: 832

Re: Making distributions to heirs.

Again, thanks to all for sharing their experiences and providing insights.

Obviously, my situation is nowhere as complex as some - yet. But you've given me some stuff to think about.
by RadAudit
Sun Oct 12, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1381

Re: Best town I've never heard of [for relocating]

How about either Boone, N.C. or Blowing Rock, N.C.?

Both towns appeared to be delightful places when I was up there a couple of years ago.
by RadAudit
Sun Oct 12, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9674

Re: Making distributions to heirs.

Thanks for the replies. They should help a lot.
by RadAudit
Sat Oct 11, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1381

Making distributions to heirs.

I would appreciate any guidance you would wish to share on how to make distributions to heirs from our assets / estate. We have a small estate which should allow DW and I to live in moderate comfort in retirement, travel some, help out the kids to some extent prior to our demise and still have somet...
by RadAudit
Sat Oct 11, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1381

Re: Real life windfall experiences?

A couple of years ago, I received a small inheritance. I paid off what was left on the mortgage and invested the rest IAW my AA. Nothing out of the ordinary. The problems arose with the receipt of the inheritance. Although small, it raised all sorts of questions about how to distribute my / our esta...
by RadAudit
Wed Oct 08, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4311

Re: Large Inheritance - Need Advice

As much as I wish to, I don't think I have the time or smarts to manage the money myself or ever get good at it. Based on the fact you came here and asked the question before you invested , you have the smarts to manage your money yourself. A lot of folks do it the other way around. As for time, I ...
by RadAudit
Tue Oct 07, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3490

Re: Retirement Portfolio Suggestions

but I'm trying to come up with something similar to that within the constraints of what I have available in the 401K plan. Should I use the S&P 500 index as the US stock fund within the 401K? Should I use some of the stable value fund as part of the Bond allocation? $300K in Vanguard Retirement...
by RadAudit
Fri Oct 03, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1035

Re: Retirement Portfolio Suggestions

Look at the three fund portfolio in the wiki and in one of the threads on the forum.
by RadAudit
Fri Oct 03, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Suggestions
Replies: 13
Views: 1035

Re: VTSMX and VBMFX - hold what in which account type?

I've read that having VTSMX in a non-IRA (taxable account?) isn't so bad but I don't really understand why. I don't understand it either, entirely. However, here's what I think I've heard. VTSMX holds, primarily, stocks of corporations. Returns from that mutual fund are primarily dividends, capital...
by RadAudit
Mon Sep 22, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX and VBMFX - hold what in which account type?
Replies: 16
Views: 1126

Re: Need Investment Help (24 y/o, 100k/yr salary)

Welcome to the forum. It's always best to start at the beginning. http://www.bogleheads.org/wiki/Getting_started Read some of the books; watch the videos. To give you better answers, we'll need to find out a few more things about what you own. What's in the Morgan Stanley account, the IRA and the 40...
by RadAudit
Mon Sep 22, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Investment Help (24 y/o, 100k/yr salary)
Replies: 6
Views: 1221

Re: inherited 500k, still a college student, how to invest??

Welcome to the forum. Why, yes you have been given a great opportunity. I was investing for more than 25 years before I got with in shouting distance of $500k. That said, I would suggest it's more important to spend your time focusing on finishing school and getting a good education than on worrying...
by RadAudit
Sun Sep 21, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5431

Re: Risks to putting most investments at Vanguard

My question is: are there any non-negligible risks to putting all my eggs in the Vanguard basket? I'm thinking in terms of a massive, catastrophic scenario, like asset theft. ( This one has been hashed out numerous times before on the site. I don't believe VG actually has any significant amount of ...
by RadAudit
Sun Sep 21, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Risks to putting most investments at Vanguard
Replies: 18
Views: 1133

Re: How to achieve a balance between "saving" and "living"?!

How do you decide where to draw the line between saving for retirement and still having some fun while you're working? Try to answer the question how much do you need to invest to have enough money to retire when you want to. When dinosaurs roamed the earth, I worked out the answer with financial t...
by RadAudit
Fri Sep 19, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6675

Re: Can You Build Your Retirement Portfolio Young, then Coas

Start with 18-year old twins and $160,000 each, the cost of a 4-year degree at a decent (or even not so decent) school. Twin 1 goes to college, graduates at age 23 with no savings and the $160,000 spent. Twin 2 gets a job, maxes out a Roth IRA for those four years and, over time, manages to squirre...
by RadAudit
Thu Sep 18, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can You Build Your Retirement Portfolio Young, then Coast?
Replies: 58
Views: 7449

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: 11
Views: 906

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: 554

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: 212
Views: 15513

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: 2065

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: 4334

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: 1344

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: 6
Views: 565

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: 871

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: 1799

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: 5060

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: 4512

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: 1245

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: 2174

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: 2059

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: 2059

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: 4928

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: 2059

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: 4928

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: 1706

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: 6212

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: 5639

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: 681

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: 141
Views: 11805

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: 1472

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: 225
Views: 19402

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: 6623

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: 4216

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: 4528

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: 799

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: 1200
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