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Re: Rules of thumb that shouldn't be

Crushtheturtle wrote:Age in bonds


+1.
So much depends on other factors like other assets, potential retirement income streams, actual retirement income streams and risk ability, willingness, need, etc.
by Sbashore
Fri Jul 25, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Rules of thumb that shouldn't be
Replies: 29
Views: 1920

Re: POLL: Do you own corporate bonds?

I own Vanguard Intermediate Term Investment Grade Admiral (VFIDX). My only other bond holding which is my largest is the TSP G fund.
by Sbashore
Fri Jul 25, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 26
Views: 1039

Re: Stop Loss Orders to Protect Bond ETF NAV's

Any stop order you try to calculate will be a shot in the dark. My style of investing has zero use for stops. My advice is to give up this idea since it would needlessly complicate an otherwise simple rebalancing policy. You do have one of those don't you?
by Sbashore
Fri Jul 25, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss Orders to Protect Bond ETF NAV's
Replies: 3
Views: 264

Re: Best Coffee Maker? What do you have?

I have a Zojirushi now. Got it to replace a Cuisinart. I'll probably go back to Cuisinart when this one goes, although it makes good coffee. Key for me is a coffee maker that gets the water hot enough to get a good brew.
by Sbashore
Thu Jul 24, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 47
Views: 2628

Re: Retirement Portfolio Proposal

The way I rebalance is I have bands for each asset class and a band for my overall equity/fixed allocation. If any asset class gets to be 20% or more away from it's target, that's a rebalance signal. If my overall equity/fixed allocation gets to be 5% away from my target, that's a rebalance signal. ...
by Sbashore
Thu Jul 24, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2246

Re: Retirement Portfolio Proposal

Something else just struck me. If he has to apply a "sleep test" to determine how much cash/fixed income (of whatever type) to carry, that seems to be a red flag that goes to real risk tolerance. Is he really thinking about losing money? I guess that's up to him. Personally I manage thing...
by Sbashore
Wed Jul 23, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2246

Re: Help me select a streaming media device

I'm on my second Roku (Model 3). I got a Roku because I had a DVD player with wifi capability and it wouldn't stream without serious interruptions. Recently bought another dvd/sound system and its wifi speed is far inferior to my Roku. I recommend Roku. :happy
by Sbashore
Wed Jul 23, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1748

Re: Retirement Portfolio Proposal

Something else just struck me. If he has to apply a "sleep test" to determine how much cash/fixed income (of whatever type) to carry, that seems to be a red flag that goes to real risk tolerance. Is he really thinking about losing money? I guess that's up to him. Personally I manage things...
by Sbashore
Wed Jul 23, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2246

Re: Slice and Dicers -- Plans when you can't manage it anymo

I was a slice and dicer for years. It served me well. I've now simplified because tilting one way or the other, might not work to my advantage for a long time if ever. I got to the point where I figured my time left was not sufficient to use tilting to my advantage. I'm now down to basically a four ...
by Sbashore
Wed Jul 23, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2209

Re: Retirement Portfolio Proposal

My thoughts were the same as your first answer. I went into retirement at age 57.5 with a 70% stock allocation and took quite a hit in 2008. I stayed the course and recovered, but it was disconcerting to say the least. Now at age 66 I'm sitting at 54% stock, 46% fixed. I arrived there on a glide pat...
by Sbashore
Wed Jul 23, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Proposal
Replies: 23
Views: 2246

Re: Which kind of bike for recent retiree?

I'm retired now and my main bike is a actually a trike. Terratrike Elite. I love it. Comfortable and a different experience from a regular bike where you tend to look down at the road ahead. I also have a Trek Road Bike that I ride less often, a Specialized 'S' Works Mountain Bike that I haven't rid...
by Sbashore
Sun Jul 20, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2575

Re: Stop Loss on stocks/ ETFs

letsgobobby wrote:After hitting your number why wait for stocks to go down to sell? Why not sell now?


My thought exactly. Don't manage your portfolio to achieve maximum returns, manage your portfolio to control the risk you've decided to expose yourself to at any given point in your life.
by Sbashore
Sun Jul 20, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Stop Loss on stocks/ ETFs
Replies: 12
Views: 886

Re: Much risk in moving into FSBAX or FSHBX?

Check the duration of the fund you're moving into. This will pretty much quantify the interest rate risk for you. That might make it clearer.
by Sbashore
Sat Jul 19, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Much risk in moving into FSBAX or FSHBX?
Replies: 5
Views: 411

Re: POLL: Do you have a dedicated REIT allocation?

Hey, if a 6.2367% REIT overweight (and thus slight underweight of all other stocks) helps you sleep at night, by all means complex-ify your portfolio with it. If you expect it to somehow help you from a financial standpoint, however, you're probably missing one investment concept or another. It alr...
by Sbashore
Fri Jul 18, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6920

Re: If you own a car, do you have a car payment?

I own outright. Haven't had a car payment in years.
by Sbashore
Fri Jul 18, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6512

Re: TSP G as treasury holding

The majority of my bond holdings are in TSP G. I use it to manage the duration of my overall portfolio since it computes at 0. As a result my overall portfolio duration is around 2.2 years even though one other holding is in the 5-6 year range.
by Sbashore
Fri Jul 18, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G as treasury holding
Replies: 10
Views: 760

Re: If interest rates would ever reach double digits again

I would maintain my present AA and enjoy the steadily increasing dividends on my bond holdings. My portfolio's overall bond duration is a little over two years, so I'd recover from the rising rates pretty quickly.
by Sbashore
Thu Jul 17, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: If interest rates would ever reach double digits again
Replies: 36
Views: 2998

Re: POLL: Do you have a dedicated REIT allocation?

I imagine many sector funds and stocks would show similar 0.8+ correlations. But you can't overweight everything. We own foreign stocks due to the small chance of a long term US economic bust, not due to correlations anyway. Love how you counter factual arguments with "imagine". :happy Yo...
by Sbashore
Thu Jul 17, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6920

Re: Snake!

Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators. I don't know if that is true. You guys aren't that much farther north than I am (Tennessee) and we have several different poisonous snakes. Cotton mouths, Cop...
by Sbashore
Thu Jul 17, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4140

Re: POLL: Do you have a dedicated REIT allocation?

Show me a guy with a 5% or 10% REIT allocation, and I'll show you someone who's read a couple of dated investing books, [OT comment removed by admin LadyGeek] . Not only will such a small allocation make no expected difference to your returns, the experts who did suggest such a bet were doing so wh...
by Sbashore
Wed Jul 16, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6920

Re: POLL: Do you have a dedicated REIT allocation?

I've been holding REITs first as an ETF and now as admiral shares, for a long time. My personal experience is that I like how it behaves differently than my total stk market and total international stocks. I'll continue to hold it.
by Sbashore
Wed Jul 16, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6920

Re: [Poll] How often do you re-balance?

I use bands with the added rule that I can only rebalance any given asset class once a year. So once a buy or sell action is caused by exceeding a band, I'm done for that particular action for a year.
by Sbashore
Mon Jul 14, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How often do you re-balance?
Replies: 25
Views: 2195

Re: Boglehead Beer

What is a Boglehead beer? It should have good taste but it should be reasonable in cost, right? What is the beer of choice for the Boglehead? Also, what is the beer of choice when splurging? :lol: My Boglehead beer is whatever I want regardless of cost (within reason). My Boglehead ways made this p...
by Sbashore
Sun Jul 13, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46983

Re: Ditch car and commute to work in 250cc scooter in Raleig

I don't know anyone, I repeat, anyone, who has ridden a scooter or motorbike for a significant time period and is not being at least partially held together by screws and bolts. You are asking for PE's stated results. I agree with this. Long ago I made the uncharacteristic (for my age) decision to ...
by Sbashore
Sun Jul 13, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 71
Views: 4826

Re: Safe 401k withdrawal rate?

I just outlined what I do in retirement. Might provide you with some insight.

viewtopic.php?f=1&t=142821
by Sbashore
Sun Jul 13, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe 401k withdrawal rate?
Replies: 5
Views: 869

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

I'm a retiree with no heirs and have concluded that I will die and leave a portfolio behind. I do that because the existence of that nest egg provides me with security and "options" for the remainder of my life. However I do want to maintain my current lifestyle by spending a reasonable am...
by Sbashore
Sun Jul 13, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3087

Re: Gold, Silver, Copper

Throughout all times, all places, throughout all of history and long before it, every single culture in the world has always put a value on lead. The Bible mentions it in Exodus 15:10. The Romans prized it for the exquisite flavor and sweetness it adds to wine, and the flights of creativity it evok...
by Sbashore
Fri Jul 11, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 87
Views: 4912

Re: Gold, Silver, Copper

I expected these kind of replies which is an indicator of negative sentiment in general. The general asset classes are very over extended but the precious metals are cheap yet most do not see this. Time will tell of course. Is your technical analysis of the charts telling you this? Or your crystal ...
by Sbashore
Fri Jul 11, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Gold, Silver, Copper
Replies: 87
Views: 4912

Re: True or False? Your risk tolerance only increases with t

My experience has been that my 'tolerance' for risk has decreased over the years as I learned more and experienced more.

As I approached retirement, entered retirement and proceeded down the road of retirement, my 'ability' to take risks changed and continues to change as I age.
by Sbashore
Fri Jul 11, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2336

Re: Do rising rates spell doom for REITS

Thanks Larry. Good article. I've held REITs for years and remember the time beginning in 2003 when the FF rate started to rise. I seem to remember a lot of doom and gloom and volatility due to the rate rise. The doom never happened.
by Sbashore
Thu Jul 10, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Do rising rates spell doom for REITS
Replies: 8
Views: 2679

Re: Real Estate Prices By Region

Redfin is another one. I live in the Phoenix area and spent a lot time in Arizona and then the Phoenix area nailing down where I wanted to retire.
by Sbashore
Wed Jul 09, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Prices By Region
Replies: 9
Views: 1740

Re: List of Worst financial advice (what not to do):

An actual statement by a co-worker. "To avoid investment losses I never invest."

Another statement by a different co-worker "I don't pay much attention to saving, I just spend what comes in."
by Sbashore
Wed Jul 09, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 15626

Re: "high rate" CDs

Don't know about brick and mortar, but all my CD's that got "transferred" were spread around the country. None were near me. (edit) I think there was one instance where the current value (principal plus accrued interest) was frozen and future interest rate was low, but I was given the oppo...
by Sbashore
Tue Jul 08, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2833

Re: Is it ever ok to tell your boss you have another offer?

You have a boss who is a jerk and you think some how this information will turn him around? I do realize that this could boomerang badly on me I suggest you listen to this inner voice and keep this conversation as a daydream. I once took a "friend" into my confidence at work about moving ...
by Sbashore
Tue Jul 08, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2795

Re: "high rate" CDs

Many people say if federally insured they are OK. I always look at their balance sheet, Bauer, and Banktracker. All my CD ladder is local but I've had to drive up to 40 miles to get the rate I wanted. I've passed once ot twice due to the financial strength but again some would say without reason I ...
by Sbashore
Tue Jul 08, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2833

Re: Is it ever ok to tell your boss you have another offer?

You have a boss who is a jerk and you think some how this information will turn him around? I do realize that this could boomerang badly on me I suggest you listen to this inner voice and keep this conversation as a daydream. I once took a "friend" into my confidence at work about moving ...
by Sbashore
Mon Jul 07, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2795

Re: POLL: Are You Re-Balancing?

I rebalanced recently. I stay within bands and limit my rebalancing within those bands to once a year. So I'm done for a while.
by Sbashore
Fri Jul 04, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4953

Re: In retirement you expect you standard of living to?

In retirement my standard of living has increased far more than I expected. As in all of life, things happen that can't be anticipated and so here I am.
by Sbashore
Thu Jul 03, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4513

Re: How to admit/should I admit alcohol problem to employer

While I can't get into specifics I have some experience in how a large corporation can operate unfairly in order to attain it's goal of going against an employee for whatever reason. Even with the advice of an employment attorney it can get very tricky and very difficult to prevail as an individual....
by Sbashore
Thu Jul 03, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10270

Re: Retirees - What % of your income is for basic essentials

I'm not retired, but my reaction to your poll was: The true bare essentials in retirement are public knowledge: you can rent a room for $300, and can enjoy a basic healthy diet for $10 per day, etc. I'd stick everything else in the same "luxury" bucket, whether you spend an additional $1,...
by Sbashore
Thu Jul 03, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees - What % of your income is for basic essentials
Replies: 25
Views: 2197

Re: POLL: What is your weighted average duration in FI?

Longtimelurker wrote:
gkaplan wrote:What about the TSP G fund? The TSP fact sheet for the fund makes no mention of duration.


I don't know. Never had access to this fund.


I treat my G Fund holdings as 'O' since it can't decline. My overall portfolio duration is 2.2 years.
by Sbashore
Thu Jul 03, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your weighted average duration in FI?
Replies: 16
Views: 1003

Re: Asset Allocation - Retirement Paid For

My expenses are covered by my income in retirement. I am 54/46 stock/fixed.
by Sbashore
Wed Jul 02, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Retirement Paid For
Replies: 10
Views: 969

Re: Kindle - Which one to buy?

I have a Kindle Fire HDX that I use as a tablet. It was a replacement for an iPad. It's powerful and I like it. Tried using it for reading but the glare off the screen bothered me so I bought the latest version of a Kindle Paperwhite. It's much easier on my eyes for reading and I like it for that. T...
by Sbashore
Sun Jun 29, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2038

Re: Fixed Income and Diversification

Total Bond would do it for me. If it weren't for my TSP "G" fund holdings, total bond would be my choice.
by Sbashore
Fri Jun 27, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income and Diversification
Replies: 7
Views: 543

Re: Struggling with my TSP Asset Allocation

Hello, without more indication from you on your investing preference, the conventional answer to your question would be to recommend the Lifecycle fund that matches your desired stock/bond ratio most closely. But you say you don't like the Lifecycle fund allocation. That leaves me scratching my hea...
by Sbashore
Fri Jun 27, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Struggling with my TSP Asset Allocation
Replies: 12
Views: 1035

Re: Trying to understand dividends

Why don't you just look at the yield figures? Looking at distribution amounts and share price tells you nothing.
by Sbashore
Mon Jun 23, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to understand dividends
Replies: 5
Views: 480

Re: Portfolio Question: Feel we're at a crossroad in life

I'd use some of the cash to pay off the student loan debt. You'd still have enough for a down payment if you decide to go that way. If not you'd still have plenty to invest. I'd take the guaranteed 2.7% return by eliminating the student debt.
by Sbashore
Sat Jun 21, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Feel we're at a crossroad in life
Replies: 29
Views: 1933

Re: [Poll] Did you tax loss harvest in the past?

Yes. Back during the dot.com crash when I still had substantial taxable accounts. I harvested losses that gave me a deduction for years going forward.
by Sbashore
Fri Jun 20, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Did you tax loss harvest in the past?
Replies: 17
Views: 896
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