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Re: So you think you're a Risk-taker?

New piece on the WSJ: http://blogs.wsj.com/moneybeat/2014/10/24/so-you-think-youre-a-risk-taker/?mod=WSJ_hppMIDDLENexttoWhatsNewsSecond Are you asking yourself some of those questions? Can you consider that you may be overestimating your ability to withstand risk? Thanks for the link. I've asked an...
by Sbashore
Sat Oct 25, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 11
Views: 1007

Re: Past Performance

First of all have a plan. Learn enough so that you can come up with a plan and establish an overall asset allocation (stocks/bonds). Understand the costs and performance factors of actively managed mutual funds and passive index mutual funds. Look for the lowest cost way to implement your plan. Look...
by Sbashore
Sat Oct 18, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: [how should new investors select funds w/o] Past Performance
Replies: 6
Views: 559

Re: First investment stratefy meeting with new FA, $6M trust

Too many red flags. Maybe you should interview another advisor. Paul I agree too. Too many red flags. The FA seems to be giving you the standard line. The question of Alpha in Mutual Fund managers ( outperformance that can be attributed to something other than luck i.e. skill) is still debated and ...
by Sbashore
Thu Oct 16, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4553

Re: It's a good day to adhere to your IPS

It's times like these that allow me to look on markets with fascination. The reaction of others. The funny news reports and yes the increase in amusing posts here. My portfolio balance is a little less amusing at times like these, but my Excel spreadsheet which implements my IPS is my refuge and all...
by Sbashore
Thu Oct 16, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to adhere to your IPS
Replies: 19
Views: 1769

Re: Treasury Bonds falling through the floor

Do you mean 2%? That's yield. Tells me the price of the bond is rising. Oh well, another false start to the "bond crash". :happy



http://news.morningstar.com/all/market- ... -data.aspx
by Sbashore
Wed Oct 15, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1401

Re: The Role of Life Expectancy

I'm retired and in the distribution phase of my investing life. I use Excel to compute two values. One is my allowable spending for the year ahead, my budget if you will. The second is another number based on my life expectancy. I use that as an upper limit to spending and to get a little perspectiv...
by Sbashore
Wed Oct 15, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1661

Re: Credit Card Issue

I've held Chase cards in the past and never had much luck with customer service. In recent memory I've gotten Chase Cards only to cancel them due to poor customer service. Your experience sounds familiar. I'll never consider Chase again. Just doesn't seem worth it.
by Sbashore
Sun Oct 12, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 1835

Re: Help with Desired Asset Allocation

A separate word about company stock. Concentrating equity exposure in one stock exposes you to unneeded risk for which you will not be compensated over the long term (single stock risk). That the stock is stock in your employer increases the risk since you could experience a crash in the price of t...
by Sbashore
Sat Oct 11, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 371

Re: Help with Desired Asset Allocation

What you're missing is you are confusing two separate goals. Saving for a house in a few years and saving for retirement are two different goals with different risks. Saving for a house is a short term goal that does not fit well with investing in stocks, since they can be down, way down when you ne...
by Sbashore
Sat Oct 11, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 371

Re: Spreadsheet for Rebalancing Bands

I have a spreadsheet that I update monthly with the current balances and monthly income by fund. A section summarizes that data by the 5%/25% bands and I look at that. If it indicates one of more funds should be rebalanced I take note it but defer any action for 2-4 more months of similar findings ...
by Sbashore
Sat Oct 11, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for Rebalancing Bands
Replies: 18
Views: 1867

Re: Current market volatility

One of my core investing principles is that I have no capacity for timing the market so I have constructed a spreadsheet that accumulates all my investments by asset category and checks the allocations against target to guide any moves. I do this too. The logic in my spreadsheet plus my "notes...
by Sbashore
Sat Oct 11, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1636

Re: Sixth anniversary of worst week ever for stocks

I had other more pressing things to think about. I did nothing. Ultimately I ended up rebalancing in early 2009 because my AA was out of sync.
by Sbashore
Fri Oct 10, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 4116

Re: What was your initial AA and how has that worked out?

Hi all, Thought I ask the community how things have been working out since they started their Bogleheads plan. If you don't minding sharing 1. When you started. E.g. How many years ago? In the 1990's I began moving into index funds. 2. How old you were? Quite a bit younger than I am now. 3. Stock/b...
by Sbashore
Sun Oct 05, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 2500

Re: ?Which Funds to chose in Vangaurd?

Have you really looked at all of the funds your FA has you in? Perhaps going through all of your current holdings and listing their expense ratios as well as the extra FA fees will be all the proof you need to take over your accounts on your own. It will at least remind you the "cost" of ...
by Sbashore
Sun Oct 05, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: ?Which Funds to chose in Vangaurd?
Replies: 9
Views: 817

Re: Very basic bond question

The Vanguard bond funds I have experience with pay dividends monthly.
by Sbashore
Tue Sep 30, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Very basic bond question
Replies: 7
Views: 826

Re: Experience with Retiree Income Inc. services?

Steve, Thanks for taking the time to look over their website. Their fees are pretty reasonable: e.g., $500 for a plan for assets up to $1 million. I have learned a lot from reading through the forum, the wiki and the books recommended here. I am looking for detailed advice on finding the right bala...
by Sbashore
Tue Sep 30, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Experience with Retiree Income Inc. services?
Replies: 3
Views: 559

Re: need for a backup credit card?

2-3 is a good idea. I had an AMEX card hacked and discovered it the night before leaving on vacation. The new card was waiting for me when I got home ten days later. It was nice to have a spare.
by Sbashore
Mon Sep 29, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1666

Re: Experience with Retiree Income Inc. services?

I looked at the link. It's a registered investment advisor that promises a fiduciary relationship. They didn't disclose any costs on the site that I could see and I have no experience with them. My gut feeling is that you could probably accomplish the same thing, for less expense through the advice ...
by Sbashore
Mon Sep 29, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Experience with Retiree Income Inc. services?
Replies: 3
Views: 559

Re: "How Retirement Fees Cost You"

Thank you Taylor. I've forwarded the link, hopefully it will help some people.
by Sbashore
Sun Sep 28, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2848

Re: Does the McClellan Oscillator hold any merit?

22twain wrote:The McClellan Oscillator? Sounds like a novel by Robert Ludlum about a spy who constantly switches back and forth from one side to the other. 8-)


Or a Civil War General that couldn't make up his mind. 8-)
by Sbashore
Sat Sep 27, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Does the McClellan Oscillator hold any merit?
Replies: 15
Views: 1099

Re: TSP Withdrawal

My wife resigned from federal service last Feb. We have kept her TSP but are considering moving it into an IRA with Wells Fargo. We are both 55 and we will not be needing the money for some time. Right now the money is in the L2020 Fund, ~$270K. While I know the expense ratio is higher in the IRA I...
by Sbashore
Sat Sep 27, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP Withdrawal
Replies: 7
Views: 606

Re: Why not 100% CD's?

The cumulative rate of inflation from 1970-1979 was 87.1 % (US Inflation Calculator using Gov't CPI figures) If you're convinced that comparing equity volatility risk to inflation risk is specious for your situation I certainly hope you're right. Guess we'll find out. :happy Well let's be fair. Tak...
by Sbashore
Sat Sep 27, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5246

Re: Why not 100% CD's?

The cumulative rate of inflation from 1970-1979 was 87.1 % (US Inflation Calculator using Gov't CPI figures) http://www.usinflationcalculator.com/ If you're convinced that comparing equity volatility risk to inflation risk is specious for your situation I certainly hope you're right. Guess we'll fin...
by Sbashore
Fri Sep 26, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5246

Re: Why not 100% CD's?

If you have a low risk tolerance your AA should reflect that. Staying away from equities 100% though will just be trading one risk (volatility) for another (inflation risk). Sbashore - I appreciate the thought, but would you not agree that at a low enough withdrawal rate, allocation matters little?...
by Sbashore
Fri Sep 26, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5246

Re: Why not 100% CD's?

If you believe Vanguard's latest forecasts of future returns in their 2014 Economic and Investment Outlook, their models project 10-year, average real returns for a 60% stock/40% bond portfolio in the 3.1% -5.2% range. As a retired investor with a low risk tolerance, five-year CD's paying 3% would ...
by Sbashore
Fri Sep 26, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5246

Re: My IPS and rebalancing

To answer some of those questions above. Yes, currently my monthly contributions come out to about 1.2% of my portfolio. Yearly it is about 14.6% of my portfolio. Obviously those numbers decrease with growth and new contributions which is why it is so easy to rebalance with new contributions today ...
by Sbashore
Thu Sep 25, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS and rebalancing
Replies: 12
Views: 1103

Re: Do you consider Dan Wiener to be a Boglehead?

I voted the first option - "already knew who he was". I did a search and it took me about 30 seconds on his home page to conclude that he had nothing of interest for me. I'm no fan of newsletters and would make no exception for his. I think he is just someone trying to capitalize on the Va...
by Sbashore
Tue Sep 23, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2161

Re: Safe Withdrawl Rate

BigJohn Thanks for your reply. You make a good point. My budget does include a fair amount of discretionary spending that could be eliminated (i.e. private country club membership and $20,000 plus per year for travel). What would your suggestions be to make certain we don't deplete our principal? N...
by Sbashore
Tue Sep 16, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Withdrawl Rate
Replies: 25
Views: 2434

Re: What evidence would prove the Boglehead mentality wrong?

Passive investing would be suboptimal if you could demonstrate an implementable alternate strategy that provides superior returns after all costs (including trading, taxes, market impact, and any management fees). You will also need to show that the strategy could not be be implemented inside a pas...
by Sbashore
Tue Sep 16, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 15522

Re: How often do YOU rebalance and when?

I rebalance when I am outside my tolerance bands and limit any given rebalance action to once a year.
by Sbashore
Tue Sep 16, 2014 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 2066

Re: Need advice on which tablet to buy

I have a Kindle Fire HDX 8.9 " Display. I upgraded from an original iPAD. I'm thoroughly satisfied with it. I bought it on specs (processor, memory) and it paid off.
by Sbashore
Fri Sep 12, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2669

Re: Your favorite international/global dividend fund/etf?

Total International Stock Index Admiral (VTIAX).
by Sbashore
Fri Sep 12, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your favorite international/global dividend fund/etf?
Replies: 1
Views: 186

Re: Individual Stocks

I have a curiosity question. Do you invest in any individual stocks, or only in mutual funds? I do like to evaluate companies and have a few individual stocks, I'm curious about others on the forum. Thanks I got that out of my system in the 90's. :happy I'm now exclusively in index funds, although ...
by Sbashore
Fri Sep 12, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3288

Re: Angry when stock market is down

I observe with interest the effect the markets have on my portfolio. I don't experience much of an emotional swing. That's because I have great confidence in my plan. How about you?
by Sbashore
Fri Sep 12, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4210

Re: Financial Planners, DFA, and your opinions please!

The reason I want a financial planner now is because of changes all happening at once. 1) We have a 19 month old and I'm now a stay at home dad.. financially I wasn't making engineering money either because I was moving all over the country following my wife as she moved all around. I wasn't in one...
by Sbashore
Sat Aug 30, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial Planners, DFA, and your opinions please!
Replies: 28
Views: 1707

Re: Schwab Financial Consultant

Hi I have a longstanding acct at Schwab. There is a "Financial Consultant" assigned to my acct, but is useless, IMO Does anybody else have any experience with this? It would be nice to have kind of a "Concierge" but this guy mostly just tries to sell me Schwab stuff; or give me ...
by Sbashore
Tue Aug 26, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Financial Consultant
Replies: 10
Views: 942

Re: Why don't utilities get any praise

I try to not get caught up in that dividend chasing mindset. I am more concerned with total return than dividends. Making a sector bet is another conversation altogether.
by Sbashore
Fri Aug 22, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Why don't utilities get any praise
Replies: 39
Views: 3833

Re: Ideal pace of IRA conversion at age 61?

I'm retired and when I do a calculation a Roth conversion does not work for me. You might want to not assume that it's the best course of action since a lot of other variables enter into it. Here's a link to help you analyze. https://personal.vanguard.com/us/insights/taxcenter/planning/is-a-roth-con...
by Sbashore
Fri Aug 22, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Ideal pace of IRA conversion at age 61?
Replies: 3
Views: 419

Re: Longer Term Investment Goals Progress Tracking

rkatz0 wrote:
TN_INVEST wrote:I think it's normal to treat folks that take things 4 places past the decimal point like Martians.


IF you hit your goal can you give me your 3rd and 4th decimal points?!


I think the use of many decimal places is quite necessary for space travel.
by Sbashore
Tue Aug 19, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longer Term Investment Goals Progress Tracking
Replies: 20
Views: 1264

Re: Longer Term Investment Goals Progress Tracking

I think it's normal to treat folks that take things 4 places past the decimal point like Martians. LOL! I think it's perfectly fine to be tracking this in the way that you are - congrats on your progress! (I do think one decimal place is probably sufficient...) The only thing I worry about to the r...
by Sbashore
Tue Aug 19, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longer Term Investment Goals Progress Tracking
Replies: 20
Views: 1264

Re: Spouse not ready to cut ties with financial advisers

I'm sorry but any professional adviser who becomes a "poker buddy" is not professional. IMHO You are a sheep being shorn. I agree with this. Unfortunately these guys are using "apparent friendship" as a lever to keep and attract business. I've seen it in the financial services i...
by Sbashore
Mon Aug 18, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9336

Re: Would you buy these funds that were recommended?

I'm glad you caught this before you were harmed financially. Sticking with this forum will always serve you well.
by Sbashore
Mon Aug 18, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy these funds that were recommended?
Replies: 30
Views: 1559

Re: Closest index to VTSAX?

Which Major index would have the closest results to VTSAX? DJIA, Nasdaq, S and P 500? Since VTSAX essentially "buys the market," I would think that it would very somewhat closely to one of those 3 main indexes, if not all 3? Which would be the closest? Thanks! To answer your question exac...
by Sbashore
Mon Aug 18, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Closest index to VTSAX?
Replies: 16
Views: 853

Re: Hello and Help!

Speculation is not investing. Speculation is gambling. Personally I never take a risk that doesn't need to be taken (individual stock risk, sector risk, speculative metals risk, etc.) since it is not compensated over the long term. Best of luck, because you're going to need it.
by Sbashore
Fri Aug 15, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hello and Help!
Replies: 5
Views: 492

Re: [Poll] How I Feel When I Think about Investing, etc.

I voted "Generally a pleasant experience........". I find the details of how the markets work and the psychology involved fascinating. I get a kick out of seeing the principles of investing playing out in my portfolio. I also manage another portfolio for someone close to me and enjoy helpi...
by Sbashore
Thu Aug 14, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2444

Re: More on Computer Security

My answer is "yes". I had debits applied to a checking account. It was a huge pain, and took some time for me to get my money back.
by Sbashore
Tue Aug 12, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1640

Re: Portfolio Tracker suggestion?

I use MS Excel as well. I've developed a rather large workbook with multiple sheets to fulfill my needs over the years that I've transitioned from accumulation to distribution phase.
by Sbashore
Tue Aug 12, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Portfolio Tracker suggestion?
Replies: 24
Views: 1629

Re: Should this person buy bonds??

nisiprius, Have you tried Dark Guatemala? It's delicious stuff. Nothing like French Roast. https://www.freshroastedcoffee.com/darkguat (Use coupon code 20P for a 20% discount.) He should do whatever he likes, unless , of course, it's drinking dark roast coffee. He shouldn't do that . Dark roast cof...
by Sbashore
Sat Aug 09, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Should this person buy bonds??
Replies: 16
Views: 1151

Re: Poll - Do you use Quicken?

No. I use Excel.
by Sbashore
Fri Aug 08, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5416
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