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by Sbashore
Thu May 28, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio YTM> 3%
Replies: 24
Views: 1409

Re: Bond portfolio YTM> 3%

I guess what occurs to me is that requiring a certain performance number out of an asset class is probably going to cause difficulty. What you've done is set yourself up for performance chasing because you've set some number for your bonds yield in your IPS. I'm retired too, and I like to get as mu...
by Sbashore
Thu May 28, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio YTM> 3%
Replies: 24
Views: 1409

Re: Bond portfolio YTM> 3%

I guess what occurs to me is that requiring a certain performance number out of an asset class is probably going to cause difficulty. What you've done is set yourself up for performance chasing because you've set some number for your bonds yield in your IPS. I'm retired too, and I like to get as mu...
by Sbashore
Thu May 28, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio YTM> 3%
Replies: 24
Views: 1409

Re: Bond portfolio YTM> 3%

I guess what occurs to me is that requiring a certain performance number out of an asset class is probably going to cause difficulty. What you've done is set yourself up for performance chasing because you've set some number for your bonds yield in your IPS. I'm retired too, and I like to get as muc...
by Sbashore
Mon May 18, 2015 10:38 am
Forum: Investing - Theory, News & General
Topic: Benchmarking - Do you and what is your reference?
Replies: 13
Views: 756

Re: Benchmarking - Do you and what is your reference?

I don't have a real benchmark. I just compare my returns to the Total Stock Market Index and then mentally adjust for my AA. Since it's 50/50 it's easy. :happy
by Sbashore
Sat May 16, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 11264

Re: How much does social security factor into your retirement income?

Being a Federal Retiree my social security income is very small due to the Windfall Elimination Provision part of my SS calculation. If it went away it would not alter my situation noticeably.
by Sbashore
Tue May 12, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Please help me with deciding on temporary federal job offer
Replies: 12
Views: 996

Re: Please help me with deciding on temporary federal job offer

I'm a retired Fed. Although your retirement won't look the same as mine, take the job.
by Sbashore
Fri May 08, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Retired, need help with investment
Replies: 28
Views: 2751

Re: Retired, need help with investment

I would like to repeat what others have said. You have done well and you can do it yourself. You don't need an advisor, and the one you mentioned certainly does not have your best interests in mind. Move your assets to Vanguard. At the same time focus on the most important thing to affect your futur...
by Sbashore
Wed May 06, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: 1929 was a great year to buy stocks
Replies: 92
Views: 5098

Re: 1929 was a great year to buy stocks

This is one of the lessons of my Grandfather who talked to me about investing when I was young. Right after the crash of 1929 he inherited $2,000. It was the source of a great disagreement between him and my Grandmother. He wanted to buy stock, she wanted to bury it in the backyard. He won the argum...
by Sbashore
Tue Apr 14, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: This retiree is a bit confused
Replies: 21
Views: 3492

Re: This retiree is a bit confused

Everyone's situation is different, since pension and social security income as well as spending needs can make a big difference in what your portfolio must provide. I'm 67, retired with a 50/50 portfolio. I have pensions and social security income. I have a number of rules to managed my portfolio sp...
by Sbashore
Wed Apr 08, 2015 9:36 am
Forum: Investing - Help with Personal Investments
Topic: 50.00 Fee from Fidelity for transfer
Replies: 26
Views: 2544

Re: 50.00 Fee from Fidelity for transfer

Yes, it's normal, and 50 bucks is cheap compared to places like Edward Jones. But still it's annoying that you have to pay to get your own money back. If you are a regular customer of Fidelity, you might be able to talk them into dropping the fee. Paul Yes quite normal. I paid $95 per account (3 ac...
by Sbashore
Tue Apr 07, 2015 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5543

Re: Might Go $4,000 AAPL

Personally after reading "Jobs" biography, I think Apple will wane over the long term. I might be right, I might be wrong. Flip a coin. In any event my investment in Apple is limited to its representation in my Total Stock Market Index Fund.
by Sbashore
Mon Apr 06, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Switching 40% of my portfolio to bonds: just can't do it.
Replies: 52
Views: 7268

Re: Switching 40% of my portfolio to bonds: just can't do it

If the Stock market lost half of it's value, would you find yourself wishing that you 40% in Bonds? Exactly what I was thinking. I don't focus on expected return of bonds, and then compare it to stocks in my thought process. I don't hold bonds for their return, I hold them for their stability and h...
by Sbashore
Mon Apr 06, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares Versus ETFs
Replies: 16
Views: 1919

Re: Admiral Shares Versus ETFs

For years I held Vanguard ETFs in a non-Vanguard account. Then I switched to Vanguard. I now have all my holdings in Vanguard Mutual Funds Admiral Class. I like the mutual funds better. Far simpler and more convenient when I need to rebalance.
by Sbashore
Tue Mar 31, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds -stay the course, or....?
Replies: 6
Views: 663

Re: Bonds -stay the course, or....?

My thought is that expected return is not the reason I hold bonds.
by Sbashore
Wed Mar 25, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2583

Re: U.S. cash pouring into international

Short term cash chasing recent returns is what I think.
by Sbashore
Wed Mar 25, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Another 4% question
Replies: 10
Views: 1189

Re: Another 4% question

Do you consider home equity part of your retirement portfolio? Would you sell your home or take a reverse mortgage in order to pay your living expenses? If both answers are yes, then it may make sense not count the amount you withdraw to repay your mortgage principal as part of your 4% withdrawal. ...
by Sbashore
Tue Mar 17, 2015 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX - The Embodiment of Vanguard
Replies: 9
Views: 2076

Re: VTINX - The Embodiment of Vanguard

Congratulations. Making that decision on overall AA and then the choice of vehicle has you well down the road to success.
by Sbashore
Fri Mar 13, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2677

Re: Bad Bond Behavior

^ 25 years?! That's reassuring to hear from someone with a loooong track record in bond funds. But as I mentioned in my post, I understand the NAV will decline with a hike but I don't understand if that means the total return for the VBTLX will be likely be negative during the length of fund's dura...
by Sbashore
Fri Mar 13, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Bad Bond Behavior
Replies: 36
Views: 2677

Re: Bad Bond Behavior

When the first rate height eventually occurs what do you project most people invested in VBTLX will do? Dump and run to CDs? Or hold? Do you think the folks on this site react much differently than investors at large? Also, I am still a bit confused. During prolonged periods of rates hikes can/will...
by Sbashore
Wed Mar 11, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: When does market timing make sense?
Replies: 34
Views: 1628

Re: When does market timing make sense?

rocko wrote:^ That's exactly my point.

Wait for a really bad day to buy more with my cash which turns it into a really GOOD day.

I think we're saying the same thing. Right?


It might turn it into a really good day............................or not. Flip a coin. :happy
by Sbashore
Wed Mar 11, 2015 10:31 am
Forum: Investing - Help with Personal Investments
Topic: When does market timing make sense?
Replies: 34
Views: 1628

Re: When does market timing make sense?

I agree. These times do not strike me as particularly turbulent. If you wait the 90 days you are just reinforcing the idea that it's a beneficial thing to do. I'd rather just take that particular gamble off the table. And that's all it is - gambling. Having said that I agree with Livesoft. If I look...
by Sbashore
Tue Mar 10, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 3500

Re: Trip to Mexico

Bring some Pesos would be my recommendation, but I personally would not be going as I take enough chances with work to consider taking chances on vacation. A couple of links: http://travel.state.gov/content/passports/english/alertswarnings/mexico-travel-warning.html http://www.forbes.com/sites/doli...
by Sbashore
Tue Mar 10, 2015 12:29 pm
Forum: Investing - Theory, News & General
Topic: Duration - interest rate question
Replies: 5
Views: 661

Re: Duration - interest rate question

It would be for bonds that reflect the same risk/reward profile. So that would mean same maturity, same term, same quality, etc. Anything that skews the relationship between risk and reward will be priced in. You're on the right track.
by Sbashore
Tue Mar 10, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: Advance event pricing
Replies: 4
Views: 413

Re: Advance event pricing

Just looking for your opinions: Assuming that interest rates will rise and have an adverse effect on stocks and bonds, how far in advance do you think the market will price for this event? That is e.g., if the fed will likely increase interest rates in June, will the market fully price for this eve...
by Sbashore
Mon Mar 09, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Are you happy after retirement?
Replies: 24
Views: 2395

Re: Poll: Are you happy after retirement?

Much less stress and frustration now that I'm retired. My position with the Federal Gov't provided me with a nice retirement, glad the dues are now paid.
by Sbashore
Mon Mar 09, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ideal next job knocked too soon
Replies: 20
Views: 1788

Re: Ideal next job knocked too soon

As others have said, you don't have to make a decision yet. Being a retired federal employee I'd say go for it if offered and you decide it's truly your ideal job.
by Sbashore
Mon Mar 09, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card "Benefits" that really mean something
Replies: 13
Views: 2306

Re: Credit Card "Benefits" that really mean something

I've used the rental car CDW insurance on my VISA card. It worked well to offset what the rental car company charged.
by Sbashore
Sun Mar 08, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Bear Market strategies, if any
Replies: 43
Views: 3336

Re: Bear Market strategies, if any

I had investments during 1987, 2000-2002 and 2008. In all those cases, not doing anything in reaction to what happened turned out to be the best course of action. It was not always intentional, since in 1987 I had flubbed a form to get out of equities, but had only checked the box that applied to ne...
by Sbashore
Sat Mar 07, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: My first $100K!
Replies: 17
Views: 2211

Re: My first $100K!

Congratulations! At your age all I had was a credit card balance. :D
by Sbashore
Wed Mar 04, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5960

Re: Taylor Larimore Honored

Congratulations Taylor.
by Sbashore
Sun Mar 01, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy service time for retirement?
Replies: 7
Views: 1153

Re: Should I buy service time for retirement?

Just a quick look at the numbers, it seems to be a good deal to me. I'd do it if it was me. What seals the deal for me is the peace of mind it gives you, since you feel the way you do about the job.
by Sbashore
Wed Feb 25, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3708

Re: REITs

TOMO wrote:I also have held REITs for a while. I just don't understand why REITs went down so much when most stock and bond funds went up.


I don't know either, but this is precisely why I hold it. :D
by Sbashore
Thu Feb 12, 2015 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Brokerage
Replies: 15
Views: 1626

Re: Wells Fargo Brokerage

I held Vanguard ETF's at Wells Fargo for years. I had no problem with their service until I started taking distributions. Wells Fargo is really clunky compared to Vanguard. I had to find a form, fill it out and fax it. They never acknowledged receipt of my fax, so I always had to wait to see if the ...
by Sbashore
Sat Feb 07, 2015 12:05 pm
Forum: Investing - Theory, News & General
Topic: Asymmetric Rebalancing in Withdrawal Phase
Replies: 27
Views: 1940

Re: Asymmetric Rebalancing in Withdrawal Phase

I view a lot of strategies as being the result of an inappropriate struggle between greed and fear. Greed drives people to use an asset allocation that is too high for their risk tolerance. They are unwilling to give up the potential reward of a high stock allocation. But the proof that it is reall...
by Sbashore
Sat Feb 07, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Asymmetric Rebalancing in Withdrawal Phase
Replies: 27
Views: 1940

Re: Asymmetric Rebalancing in Withdrawal Phase

This is a strategy based on market timing. I prefer to avoid that. What I do is limit my rebalancing to once a year per equity asset class. For example, one buy and one sell of Total Stock Market Index Fund per calendar year.
by Sbashore
Thu Feb 05, 2015 11:09 am
Forum: Investing - Theory, News & General
Topic: "The Shocking Impact of Charges on Investment Returns"
Replies: 2
Views: 828

Re: "The Shocking Impact of Charges on Investment Returns"

Thanks Taylor. That's an excellent, straightforward explanation of the impact of fees.
by Sbashore
Wed Feb 04, 2015 10:25 am
Forum: Investing - Theory, News & General
Topic: FI: Total Bond Market or Intermediate Fund?
Replies: 19
Views: 2752

Re: FI: Total Bond Market or Intermediate Fund?

I use the total bond fund and the TSP G fund for all of my bond holdings.
by Sbashore
Mon Feb 02, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 5149

Re: POLL: How Will You Complete Your 2014 Taxes?

I switched to Tax Act from Turbo Tax this year.
by Sbashore
Sun Feb 01, 2015 11:44 am
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3415

Re: Buy High, Sell Low : Avoid Market Timing

mbk734 wrote: Do you ever find yourself doing this? The market is on a roll doing great so you get greedy and buy more equities. The market tanks so you sell your equities and lose faith in investing. […] How do you avoid market timing? I think a basic understanding of the psychology of investing h...
by Sbashore
Wed Jan 28, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1983

Re: Thinking of switching from Turbo-Tax

I've been using Turbo Tax for many years. I'm switching to Tax Act this year.
by Sbashore
Wed Jan 28, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3663

Re: What mutual fund companies do you use?

Vanguard and TSP
by Sbashore
Wed Jan 28, 2015 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2951

Re: Anticipating the pain [of one day portfolio drop]

Pain is when your C Fund holding drops 50%. Over the next 35 years I predict it will at least once. Expect it.
by Sbashore
Mon Jan 26, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 5192

Re: What Experts Say [about various investing topics]

Thank you Taylor and Happy Birthday!
by Sbashore
Sun Jan 25, 2015 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Best short term investment options
Replies: 11
Views: 805

Re: Best short term investment options

Most common reply you will get around here is to keep it in a high yield savings account. There have been quite a few threads posted lately with people in the same situation as you. You can dig through them but you'll find the common recommendation is to stick with a safe bank account. I agree. Saf...
by Sbashore
Sat Jan 24, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Hedging home value risk
Replies: 23
Views: 1158

Re: Hedging home value risk

I'm planning to buy an expensive house, but am not thrilled about the amount of risk it's exposing us to and am looking for a hedge. In particular, I'd like to plan a contingency for if we became unable to afford our mortgage. If this happened at the same time that the house was underwater, it coul...
by Sbashore
Fri Jan 23, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2684

Re: anyone here been to the Super Bowl?

Uhm.. I'd give yourself more like 2 hrs to get to go from Florence to Glendale. On Super Bowl day you might want to give yourself even more time to get there. I hear that the NFL experience is in downtown Phoenix this year. If you go you might want to take the light rail into the city instead of dr...
by Sbashore
Thu Jan 22, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tsp C fund S fund and brokerage account
Replies: 10
Views: 793

Re: Tsp C fund S fund and brokerage account

I think the C and S funds in the ratio you mentioned are close to the total market. My ratio is 3:1 and I count them as total market.
by Sbashore
Tue Jan 20, 2015 10:07 am
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 3890

Re: $50,000 to invest, want little to no risk. CDs? Silver?

TomatoTomahto wrote:Physical gold/silver are NOT low risk. I wouldn't touch them with a barge pole.


+1
Speculating in precious metals could be quite harmful to your stated goals.
by Sbashore
Mon Jan 19, 2015 12:58 pm
Forum: Investing - Theory, News & General
Topic: is the pitch for index-based annuities childish?
Replies: 15
Views: 816

Re: is the pitch for index-based annuities childish?

I agree that premise could be considered childish, but only by people who are well informed about the investment industry. I have reasonably intelligent friends, who have bought the line of no risk and lots of reward without having a clue what they were getting into. They don't know the difference b...
by Sbashore
Wed Jan 14, 2015 11:13 am
Forum: Investing - Help with Personal Investments
Topic: investing in community solar panels
Replies: 12
Views: 818

Re: investing in community solar panels

when it is described as a 74.8kW array, does that mean it is capable of producing up to that amount per hour? I have a solar plant on my roof. Usually the kw rating is given in output of the panel that is volts DC before it is run into an inverter to get volts AC. There are losses. For instance my ...

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