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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
Sun Mar 01, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy service time for retirement?
Replies: 7
Views: 1003

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
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: 3292

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
Thu Feb 12, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Brokerage
Replies: 15
Views: 1455

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 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Asymmetric Rebalancing in Withdrawal Phase
Replies: 27
Views: 1849

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
Sat Feb 07, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Asymmetric Rebalancing in Withdrawal Phase
Replies: 27
Views: 1849

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

Thanks Taylor. That's an excellent, straightforward explanation of the impact of fees.
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: 806

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
Wed Feb 04, 2015 10:25 am
 
Forum: Investing - Theory, News & General
Topic: FI: Total Bond Market or Intermediate Fund?
Replies: 19
Views: 2554

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

I switched to Tax Act from Turbo Tax this year.
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: 4763

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
Sun Feb 01, 2015 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3215

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 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1853

Re: What mutual fund companies do you use?

Vanguard and TSP
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: 3165

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
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: 2809

Re: What Experts Say [about various investing topics]

Thank you Taylor and Happy Birthday!
by Sbashore
Mon Jan 26, 2015 10:53 am
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3616

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
Sun Jan 25, 2015 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Best short term investment options
Replies: 11
Views: 726

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
Sat Jan 24, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Hedging home value risk
Replies: 23
Views: 1121

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
Fri Jan 23, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2574

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
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: 705

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
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: 3655

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
Mon Jan 19, 2015 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: is the pitch for index-based annuities childish?
Replies: 15
Views: 792

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 ...
by Sbashore
Wed Jan 14, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in community solar panels
Replies: 12
Views: 781

Re: We miss Larry Swedroe

I'll add my name to the long list of others. Both Mr. Ferri and Mr. Swedroe have been instrumental in helping me formulate my investment strategies over the years.
by Sbashore
Tue Jan 13, 2015 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7492

Re: Optimal Asset Allocation

I think your premise is flawed. i.e., correlations change, so you're trying to make a decision based on a moving target. Instead of focusing on optimal AA, which cannot be known ahead of time, and therefore is pretty much a waste of time, decide on a common sense diversification, one that you can st...
by Sbashore
Tue Jan 13, 2015 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Optimal Asset Allocation
Replies: 1
Views: 347

Re: Dazed, Confused and Upset

You don't need to say a word to EJ. Just contact Vanguard and they will handle everything. Someone from EJ will probably call you. You can talk to them if you want, or just tell them you don't want to talk and hang up. If EJ delays the transfer in any way, make one call and tell them you are going ...
by Sbashore
Tue Jan 13, 2015 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6352

Re: Why REITs not good for income in 2015?

I have the VG REIT fund targeted at 8% of AA and am changing nothing for 2015. It is in an IRA. I have VG REIT targeted at 9% of my AA and likewise am changing nothing for 2015. I don't hold it for the income, I hold it because it acts a little differently than my total stock market allocation. I'v...
by Sbashore
Wed Jan 07, 2015 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Why REITs not good for income in 2015?
Replies: 20
Views: 2195

Re: Anyone else reluctant to put new money in bonds right no

I am in the 28% federal bracket and pay 5.15% state and local tax, so 33.15% total. So, the CD yields, 1.67% after tax. Vanguard Intermediate Term Tax Exempt is yielding 1.6%, so they are pretty much even. I just feel like bond prices are bound to take a hit later in the year when interest rates go...
by Sbashore
Tue Jan 06, 2015 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone else reluctant to put new money in bonds right now?
Replies: 27
Views: 3446

Re: Let's Celebtate! Which funds are you buying in 2015?

It's hard for me to say since my portfolio is in balance and I don't know what any of the asset classes will do in the future.
by Sbashore
Tue Jan 06, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3636

Re: 1.98% vs. 1.78%

avenger wrote:Not sure I quite understand the comparison myself.


Me neither. In my portfolio I hold equities and bonds for two completely different reasons.
by Sbashore
Tue Jan 06, 2015 9:47 am
 
Forum: Investing - Theory, News & General
Topic: 1.98% vs. 1.78%
Replies: 14
Views: 999

Re: VHT - What could cause the price to drop?

boatofcar wrote:Ok, ok, I'll put it all in VTI :)


Smart move.
by Sbashore
Mon Jan 05, 2015 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: VHT - What could cause the price to drop?
Replies: 9
Views: 973

Re: Where to keep $50k liquid?

Substantially Better? Nope. Stay put.
by Sbashore
Mon Jan 05, 2015 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to keep $50k liquid?
Replies: 8
Views: 1270

Re: The riskiest (Bogleheads) portfolio you can think of

Riskiest in the long run? It might be 100% cash. Not the most aggressive, but those are different things. NightOwl I agree. Since the the OP didn't define what risk they were referring to, I think the biggest risk of all the types of risk out there, is the risk of not meeting your investment goals....
by Sbashore
Sun Jan 04, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: The riskiest (Bogleheads) portfolio you can think of
Replies: 15
Views: 1652

Re: Rebalancing Portfolio - MS Excel or other?

I use excel to consolidate all accounts. Once set up it makes it easy to view a multitude of things that are useful.
by Sbashore
Fri Jan 02, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Portfolio - MS Excel or other?
Replies: 5
Views: 424

Re: Bond/Stock flip in Roth - quick question

I'm no tax expert, but it seems to me there is no relationship between the two accounts. Anything you do in the taxable, like sell a fund, could create a taxable event if there is a gain or loss.
by Sbashore
Fri Jan 02, 2015 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond/Stock flip in Roth - quick question
Replies: 3
Views: 469

Re: Portfolio Checkup for 2015 - How is my AA? Changes Neede

Generally looks good to me too. Congratulations. The only thing that jumped out at me was your allocation to both emerging markets and total international. Since your total intl. has almost 19% emerging markets in it I presume you meant to have a heavy tilt (IMO) to emerging markets.
by Sbashore
Thu Jan 01, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup for 2015 - How is my AA? Changes Needed?
Replies: 5
Views: 972

Re: [Annual POLL] What was your 2014 return?

My AA is 30% Total US, 15% Total Intl., 9% REIT, 41% Bonds, 5% Cash.

My return (XIRR) was 7.6%.
by Sbashore
Thu Jan 01, 2015 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14411

Re: Pension COLA language

In my experience, most private sector defined benefit pensions do not offer COLA any more. Yours sounds meager, but it's something.
by Sbashore
Tue Dec 30, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension COLA language
Replies: 4
Views: 444

Re: Equity dividend investing vs equity index investing

Leeraar wrote:
LRonHalfelven wrote:I want to pick stocks.
Picking stocks only works if it's possible to forecast returns.
Therefore, it's possible to forecast returns.

Therefore, my forecasts are a reliable way to pick stocks.
L.


Why bother? Just pick a winning lottery number. :D
by Sbashore
Tue Dec 30, 2014 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Equity dividend investing vs equity index investing
Replies: 19
Views: 2121

Re: Equity dividend investing vs equity index investing

.............................................................................. My forward-looking OP using forecasting shows that the price of that lunch = about 2% CAGR. I don't believe it's possible to "prove" any investing strategy with predictions because no one knows what the future ...
by Sbashore
Tue Dec 30, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Equity dividend investing vs equity index investing
Replies: 19
Views: 2121

Re: Equity dividend investing vs equity index investing

vested1 wrote:I don't believe it's possible to "prove" any investing strategy with predictions because no one knows what the future holds, not even Morningstar..............


I agree completely. Trying to prove something by using a prediction about the future is a complete waste of time.
by Sbashore
Tue Dec 30, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Equity dividend investing vs equity index investing
Replies: 19
Views: 2121

Re: Retiree Poll:What is your current AA?

I think it's important to note that this poll asks only what the AA is and many replies simply state the numbers. For the most part, we don't know the whys, the many financial considerations, right or wrong, that go into it. While the poll numbers are interesting, but not too surprising to me, they...
by Sbashore
Mon Dec 29, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 7050

Re: Poll: Gain of total portfolio value from investing

No idea. All I know is most of my portfolio value comes from investing. I've been at it a long time.
by Sbashore
Sun Dec 28, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Gain of total portfolio value from investing
Replies: 37
Views: 3323

Re: Retiree Poll:What is your current AA?

I answered 50/50 since you asked for approximate. I'm actually at 54/46.
by Sbashore
Sun Dec 28, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 7050

Re: Shift from Accumulating to Income Generation for Retirem

I agree with all the previous great comments. I'm retired and struggled with a good withdrawal scenario for quite some time until I developed what I use now. I use a total return approach, and spend a percentage in nominal terms of the average of the last two years ending portfolio and my current po...
by Sbashore
Sun Dec 28, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: UPDATE: Shift from Accumulating to Income Generation for Ret
Replies: 48
Views: 3719

Re: Schwab's poor security

I'm not surprised. When I was a Schwab customer ( I am not now), my linked Schwab bank account had all the registered debit cards and credit card hacked all at the same time. Schwab refused to explain it and denied that the breach was through them, even though they were the common denominator.
by Sbashore
Mon Dec 22, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab's poor security
Replies: 39
Views: 3103

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: 1343

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: 1840

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: 9466

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: 64
Views: 5865

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: 2854

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: 1990
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