Search found 705 matches

Return to advanced search

Re: 80/20 & rebalance or 50/50 & rebalance??

I think your premise is wrong. I don't know of any 50/50 portfolios that offer the most return per unit of risk, although I suppose it's not impossible to come up with one. I just don't know. Usually the efficient frontier is off of that. Relatively speaking, however, a 50/50 portfolio does carry le...
by Sbashore
Tue Dec 16, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: 80/20 & rebalance or 50/50 & rebalance??
Replies: 7
Views: 1289

Re: [POLL] What Fixed Income Assets Do You Use?

Savings account, Total Bond, Money Market and "other" which is the TSP G Fund. I hold the G fund because it essentially has a duration of zero, since the principal value cannot fluctuate with interest rates, except up as interest is credited. :happy
by Sbashore
Tue Dec 16, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: [POLL] What Fixed Income Assets Do You Use?
Replies: 37
Views: 1709

Re: What is your opinion about "tilting?"

I tilt, but I don't agree with the "everyone should" statement. I think it's pretty likely that tilting will give higher returns, but the long-term premium is nowhere near what was observed in the 2000s. 1-2% is closer to what one might expect long-term, with no guarantees and almost cert...
by Sbashore
Sat Dec 13, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8361

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I didn't vote because I don't have an emergency fund at this point in my life. I did have to spend a huge chunk of money as a result of unexpected things in my life.
by Sbashore
Sat Dec 13, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3472

Re: At what age did you find dream job?

I guess looking back on it, age 31. I didn't regard it as a dream job, but pretty close at the beginning. Now that I'm retired and look back at what I did, I'm grateful for the opportunities I had, even amidst all the frustrations.
by Sbashore
Sat Dec 13, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2662

Re: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???

Hi all I came across this article from marketwatch recommending RSP (Guggenheim S&P 500 Equal Weight) as an alternative way to get exposed to S&P passively. Just simply looking at historical performances, it is tempting to see >1% p.a. out-performance vs VTI over 10-years, a horizon long en...
by Sbashore
Sat Dec 13, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???
Replies: 19
Views: 1779

Re: TD Ameritrade portfolio help

If it were me and I was your age, in your situation, adding the amount of money you are, I'd pay the 49 and set up the Vanguard 2050 Target Date Fund, and forget about it for a while. Assuming there are indeed no other expenses associated with new contributions. While ETF's can be fine, it takes a t...
by Sbashore
Sat Dec 13, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade portfolio help
Replies: 15
Views: 894

Re: Poll: Dividend income to match annual salary?

It never happened when I was working. It has not happened in my retirement. It will not happen in my retirement.

Now total return, that's another question.
by Sbashore
Thu Dec 11, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3585

Re: BOGLEHEAD CONTEST -- November 2014

Thanks Taylor. I'm now low and hoping that I won't win. :happy
by Sbashore
Thu Dec 11, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November 2014
Replies: 14
Views: 2092

Re: What is your opinion about "tilting?"

I tilt, but I'm not sure it's worthwhile. My opinion is that I can't be sure of anything when it comes to future performance of any particular asset class. For years I had a slice and dice portfolio, but as I aged I realized that a risk was emerging (remaining time left) that would make my tilts irr...
by Sbashore
Thu Dec 11, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8361

Re: Retirees: Withdrawals by time and amount

I've been retired since 2005. I've spent a lot of time coming up with a spending model and tweaking it over the years. Here's what I do: I calculate my withdrawals in nominal dollars, based on a fixed percentage. My inflation protection, such as it is, is built into my portfolio AA. I use an Excel s...
by Sbashore
Thu Dec 11, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 3416

Re: Adjust Post-Crash Bond Allocation?

But I'm trying to be proactive and ensure that I do not damage my growth potential unnecessarily with an overly conservative asset allocation while young. If you have concerns about being overly conservative....how did you arrive at 70/30 in the first place? How did you come to the conclusion that ...
by Sbashore
Thu Dec 11, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Adjust Post-Crash Bond Allocation?
Replies: 23
Views: 1590

Re: Any Momentum Investors Out There?

I guess I give a nod to momentum in a way. I can only buy and sell a given asset class once in given year, per my IPS. Of course there are other reasons too.
by Sbashore
Tue Dec 02, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Any Momentum Investors Out There?
Replies: 102
Views: 7879

Re: I need to stop looking at the market everyday!

I check the markets every day too. Don't always check my portfolio though. I enjoy watching the interplay between the news and markets. It has no bearing on my own portfolio management, because my IPS, implemented into a spreadsheet has mechanized the whole process. Essentially all my decisions are ...
by Sbashore
Tue Dec 02, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 33
Views: 2919

Re: Tobyhanna credit union

I'm confident too. I had large deposits around the country during the Savings and Loan crises and experienced multiple institutions' failures. Never lost a dime, except maybe some lost opportunity costs when transferring money out.
by Sbashore
Tue Dec 02, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tobyhanna credit union
Replies: 7
Views: 539

Re: Helping adult child understand investing

Yes, I was looking at the "L" funds and planning to suggest one. Until yesterday, she had not let me in on any of this info, but I received an e-mail from her with photos of last year's TSP statement attached and am working from that. So she actually is receptive to assistance, just not i...
by Sbashore
Mon Dec 01, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult child understand investing
Replies: 23
Views: 1854

Re: Helping adult child understand investing

Grt2B - I agree 100% that she has the chops to get it right, but for some reason she just shuts down when I try to teach/educate her. And she is the one who brings it up, not me. (I try to respect boundaries, even when it's really really hard!) I'll get her a copy of Bogleheads Guide and see if I c...
by Sbashore
Mon Dec 01, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult child understand investing
Replies: 23
Views: 1854

Re: Oil / Energy ETFs

DXB wrote:Many energy and oil ETFs are down significantly. What are the arguments against buying an oil ETF now, on the premise that it's currently cheap?


Biggest one I can think of is I can't predict the future, so I don't try.
by Sbashore
Fri Nov 28, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 54
Views: 3710

Re: Why should I avoid REITs?

I don't think there is anything wrong with adding REITs to your portfolio. Just do it in moderation. Realize that there are REITs in a Total Stock Market index so any addition of the sector to your holdings is just a tilt. I tilt to REITs at the rate of 9% of my portfolio. You might also consider if...
by Sbashore
Tue Nov 25, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 50
Views: 6024

Re: Been out of market since 2008 and can't get back in

Before the crash in 2008, I sold out my stocks in my retirement account and I have been in the money market ever since. If I had done nothing, I would almost have 2 times what I have in my account now. I would appreciate knowing what the simplest portfolio and allocations and the simplest way bring...
by Sbashore
Tue Nov 25, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 52
Views: 5270

Re: Get a financial advisor? Retired now

Thanks! I didn't account for a 50% drop in Equity Funds in a bad year. I don't know how to do a spreadsheet but I am going to simplify and get rid of Health Care, Wellington (except keep it in my Roth). $29,000 is a lot, considering that I'm not even touching it yet. Time to plan a trip and buy a d...
by Sbashore
Wed Nov 19, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 5283

Re: Get a financial advisor? Retired now

I pretty much agree with DBR. If you want to re-think your asset allocation, expect (plan for) a 50% drop in equity value at some point. If your AA is 50/45/5 Stocks, Bonds, Cash that equates to a 25% drop in portfolio value assuming the other classes stay steady. Using that rationale, how much of a...
by Sbashore
Mon Nov 17, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get a financial advisor? Retired now
Replies: 34
Views: 5283

Re: Should I have even $1 in Bonds?

One thing I notice is it seems BH responses rarely focus on the upside or what is likely to happen but more on the 5% scenarios. This indeed maybe a prudent approach but it seems to somewhat limit the possibilities people may see for their lives. I don't see it that way. With a bond you have a cont...
by Sbashore
Mon Nov 17, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4251

Re: Should I have even $1 in Bonds?

I don't think there's anything wrong with having 100% equity allocated to 10+ years out. As long as you have a plan for a glide path to be at a reasonable allocation when you start withdrawals. You should also avoid the mindset that just because it's 10+ years away that 100% equities will outperform...
by Sbashore
Mon Nov 17, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4251

Re: Expenses are ??

Here's a calculator so you can see the impact of fees yourself.

http://www.buyupside.com/calculators/feesdec07.htm
by Sbashore
Sat Nov 15, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Expenses are ??
Replies: 11
Views: 1687

Re: Vanguards double dirty dozen

So my advice continues to ring true… “The smartest way get into a closed Vanguard fund is to buy it before it closes.” (Dan Wiener).

His premise that it's a good thing to get into a fund right before it closes is silly. Not worth thinking about.
by Sbashore
Fri Nov 14, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Vanguards double dirty dozen
Replies: 4
Views: 1597

Re: Confused by FEHB & Medicare

Yes I chose GEHA Standard. They actually pay more than I expected. My opinion is that the insurance companies are willing to waive deductibles and co-payments since our selection of Part B is voluntary, and if we chose not to have Part B, it would cost them much more. They are providing an incentive...
by Sbashore
Tue Nov 11, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 758

Re: Confused by FEHB & Medicare

I'm a federal retiree. I retired at age 57. I had FEHB and paid the premium just like I always did when working, with the exception of payments being made monthly instead of bi-weekly. When I turned 65 and became eligible for Medicare, I chose to participate in Part B. I did not have to, but to dela...
by Sbashore
Tue Nov 11, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 758

Re: Gold As A Currency Hedge

............... Of course this isn't always the case, but this does appear to be the trend. So I am wondering if gold and silver can actually work in a portfolio as a currency hedge? What are your thought on the subject? You summed it up for me above. My investment philosophy is not based on someth...
by Sbashore
Tue Nov 11, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 13798

Re: Visitor Info Scam

This is common in Sedona, AZ too. Mostly run by Diamond Resorts Intl. I've had experience with Diamond, they are really bad news. Stay away.
by Sbashore
Mon Nov 10, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Visitor Info Scam
Replies: 12
Views: 1761

Re: Happy 239th Birthday, U.S. Marine Corps

In 1942 my father was a brand new Ensign and the OOD in Panama. For some reason there was bad blood between the Colonel commanding the Marine detachment and Captain commanding the Naval base, and the Captain had not been invited to the USMC birthday party. The Captain was fuming and called in my fa...
by Sbashore
Mon Nov 10, 2014 11:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 1175

Re: Happy Birthday, Marines!

Semper Fi

Sgt. USMC

1966-72
by Sbashore
Mon Nov 10, 2014 11:24 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 1175

Re: What should I do here?

Trying to time the market is tough no? There is a lesson here. It's time in the market that counts. Decide on an AA you can stick with and move out.
by Sbashore
Sun Nov 09, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I do here?
Replies: 8
Views: 824

Re: FEHBP & Medicare, what plan works best?

I'm a federal retiree. I have Medicare A, B and GEHA. Works well for me.
by Sbashore
Thu Nov 06, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: FEHBP & Medicare, what plan works best?
Replies: 4
Views: 493

Re: Help on personal (not retirement) investing

· If I invest in core four portfolio (75%/80% stock and 25%/20% bonds), what % of yearly return I am looking at? · Are there any other avenues, where my risk tolerance is not greatly compromised and I can earn more return? Though I’d love to do Day trading and earn more, I’m not quite yet knowledge...
by Sbashore
Thu Nov 06, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help on personal (not retirement) investing
Replies: 13
Views: 1156

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I did not know that Medicare Part B precludes using HSA. Victoria I believe it's Medicare coverage, Part A, that prevents one from contributing to an HSA in tandem with the HDHP. But you can always use a pre-existing HSA to make Medicare Part B premium payments. I was planning to do that unless som...
by Sbashore
Thu Nov 06, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2642

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

This might help.

https://geha.com/About-Us/Customer-Serv ... ted-States

Of course I'd verify what the exact coverage would be for my particular plan.
by Sbashore
Wed Nov 05, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2642

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

Sbashore, you say you are using Medicare with standard GEHA. Curious why standard v. High option? Don't mean to high jack this thread. I have used GEHA for years & have been happy. Their rate increases always seem to be amongst the lowest. The network is fine. Only thing I dislike is having to ...
by Sbashore
Wed Nov 05, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2642

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. If you use GEHA as a backup to Medicare, would not HDHP be less expensive as the backup? Victoria GEHA HDHP is d...
by Sbashore
Wed Nov 05, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2642

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare.
by Sbashore
Wed Nov 05, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 2642

Re: Cash - Throw it on the table!

I'm retired and keep one years income in cash. My cash holding is part of my AA so it just gets replenished along with everything else when I rebalance according to my plan. I do track the duration of my bond holdings to make sure it coincides with my cash needs, allowing me to rebalance as needed w...
by Sbashore
Wed Nov 05, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3813

Re: 2014 not a year for stock pickers

If I had a nickel for every time I've heard "it's a stock pickers market" I'd have to revisit my asset allocation. :happy
by Sbashore
Wed Nov 05, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: 2014 not a year for stock pickers
Replies: 24
Views: 3696

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 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 4487

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 10:06 am
 
Forum: Investing - Theory, News & General
Topic: [how should new investors select funds w/o] Past Performance
Replies: 6
Views: 583

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 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: First investment strategy meeting with new FA, $6M trusts
Replies: 80
Views: 4906

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 9:41 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to adhere to your IPS
Replies: 19
Views: 1904

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 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1425

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 9:08 am
 
Forum: Investing - Theory, News & General
Topic: The Role of Life Expectancy
Replies: 25
Views: 1724

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 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Issue
Replies: 26
Views: 2168

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 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Desired Asset Allocation
Replies: 4
Views: 447
Next

Return to advanced search