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Re: How often do you rebalance to maintain your AA

I use bands and time. If an equity asset class exceeds the tolerance I've set I rebalance. However I only allow one buy and one sell per year per asset class. For bonds I use bands too, but have no time constraints on the transactions.
by Sbashore
Tue Apr 08, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 1682

Re: Consolidation with Schwab?

My experience with moving money from a 401k or other qualified employer plan is that they will cut a check made out to your new custodian (IRA you're transferring to). You then mail the check to them without endorsing it. Assets do get reduced to cash, but the money never comes out from under the ta...
by Sbashore
Fri Apr 04, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidation with Schwab?
Replies: 21
Views: 1438

Re: Consolidation with Schwab?

I think you should stop, take a deep breath and not do anything. Just the fact that you are thinking of what to do is plenty for now. There are a number of issues you should consider. Why are you managing this 1M on its own? At the very least, consider all your money targeted to a specific goal (ret...
by Sbashore
Thu Apr 03, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Consolidation with Schwab?
Replies: 21
Views: 1438

Re: Stock pickers' market?

If I had a nickel for every time I've heard "it's a stock pickers market" over the last two decades I'd be able to increase my allocation to equities. :D
by Sbashore
Mon Mar 10, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Stock pickers' market?
Replies: 19
Views: 1191

Re: Bonds - What other fund?

I made no selection because I hold Intermediate Term Investment Grade Corporates and the TSP G Fund. I use the two together to manage my overall duration.
by Sbashore
Mon Mar 10, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Bonds - What other fund?
Replies: 20
Views: 1459

Re: Poll: When did you retire? Would you do it all over agai

I retired from the federal government at age 57 in 2005. It was planned long in advance. I walked out the door and never looked back.
by Sbashore
Mon Mar 10, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10709

Re: Where do you park cash?

A little in Vanguard Prime MMF for liquidity and the bulk in FDIC insured savings accounts.
by Sbashore
Fri Feb 21, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you park cash?
Replies: 48
Views: 4992

Re: BOA credit card breach

BOA seems to be pretty aggressive on this. It's happened to me a couple of times too. It is a pain. I don't think it's because my account was compromised, I think it was because one of the merchants with which I did business was compromised. Anyway, it is a pain and has caused me problems since they...
by Sbashore
Thu Feb 20, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 1931

Re: Market Timing - Sort Of

I just invested a large sum of cash. While the level of the market did come to mind, as I thought about it, I concluded what I always do. I have no idea where it is relative to the future. I just invested the money according to my AA. It's the luck of the draw in the short term, and pretty meaningle...
by Sbashore
Thu Feb 20, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Market Timing - Sort Of
Replies: 5
Views: 465

Re: Safe Withdrawal Rate

I have "available" for withdrawal 5% nominal if my internal rate of return is above zero. I fall back to Dividends plus 2% if the XIRR falls below zero. That puts me in the 2.xx range + 2% of portfolio value. I say available for withdrawal because I only take what is needed for spending at...
by Sbashore
Wed Feb 19, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 5805

Re: Percentage of assets at Vanguard also active vs index

70% of mine is with Vanguard. The other 30% is in the TSP.
by Sbashore
Wed Feb 19, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Percentage of assets at Vanguard also active vs index
Replies: 23
Views: 1173

Re: Great Finance History Book

Thanks for the recommendation. I just bought it. History and Finance two of my favorite subjects. :happy
by Sbashore
Sat Feb 15, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4167

Re: Going all into Emerging Markets

I have to admit that I'm also thinking about taking more risk with EM in my tax-deferred account. Here is what got me thinking. From 1972 - 2013: - $10k invested in the Total US Stock Market would be worth only $625,206 - $10k invested in Emerging Markets would be worth a staggering $4,693,426 :sho...
by Sbashore
Mon Feb 10, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5826

Re: 2013 was good. Suggestion to park money in 2014.

How will you decide when to re-enter the market? Gut feeling? How will you decide when this correction is over, or close enough to over that you are comfortable re-entering? I plan to re-deploy the cash I pulled out based on valuation. For example, for the S&P 500, wait for the P/E ratio to be ...
by Sbashore
Tue Feb 04, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 2013 was good. Suggestion to park money in 2014.
Replies: 35
Views: 3203

Re: TSP type funds

If you decide to move it, I would consider Vanguard which last the lowest fees in the industry and is client owned. The Shareholders own the funds and the funds own Vanguard. They put clients first because there is no profit or earnings motive with Wall Street. If you are set on moving from the TSP...
by Sbashore
Sun Feb 02, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP type funds
Replies: 15
Views: 1241

Re: Not happy with market

I would say your odds of staying the course, given your history and your AA are close to zero. I'm not trying to be critical, but from the outset you seem to have an unrealistic view of what you think is going to happen. If you think this small pullback is "horrendous" I'd strongly advise ...
by Sbashore
Sat Feb 01, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13088

Re: Bought in, and then they start tumbling

Hi, I seem to have a bad timing when it comes to making contributions to my portfolio. I only contribute quarterly. Last time I did so in bonds, it was just before bonds started to fall. Recently when I did so in stocks, it was just before the recent plunge. Although I know I am holding for the lon...
by Sbashore
Mon Jan 27, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6472

Re: I go senile, day trade on margin, wash sale, and...

Thanks, great story. Reminds me of a guy I used to work with who lost $800 one day trying to place an order after he'd been drinking. Got to pay attention to which button you click. :happy
by Sbashore
Mon Jan 27, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: I go senile, day trade on margin, wash sale, and...
Replies: 24
Views: 2673

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor. Hope you have a great weekend.

Steve
by Sbashore
Thu Jan 23, 2014 12:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12682

Re: WANT TO BE A SMARTER INVESTOR?

I couldn't agree more. Every time I hear a commercial or infomercial on the radio and tv it irks me. These people lie with a straight face. I know there are huge numbers of people falling for these pitches.
by Sbashore
Tue Jan 21, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Want to be a Smarter Investor? [Sales pitch]
Replies: 4
Views: 624

Re: TSP G Fund as Only Bond Fund?

Can't comment on what would be best going forward. I hold most of my bond holdings in the G Fund. To me it's an advantage in controlling the duration of my bond holdings. By combining my G Fund, that essentially has a duration of zero, with other bond holdings, I am able to hold longer duration bon...
by Sbashore
Tue Jan 21, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund as Only Bond Fund?
Replies: 10
Views: 583

Re: Future dividends

Hello, Thanks for the info. If we look at the chart from John's post, dividends (every decade) were: 1960 - 1.98 1970 - 3.19 1980 - 6.44 1990 - 12.35 2000 - 16.27 2010 - 23.12 For the period in red, the yield looks pretty close to "almost doubling" every 10 years. What am I missing? One t...
by Sbashore
Tue Jan 21, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Future dividends
Replies: 12
Views: 807

Re: TSP G Fund as Only Bond Fund?

Can't comment on what would be best going forward. I hold most of my bond holdings in the G Fund. To me it's an advantage in controlling the duration of my bond holdings. By combining my G Fund, that essentially has a duration of zero, with other bond holdings, I am able to hold longer duration bond...
by Sbashore
Tue Jan 21, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund as Only Bond Fund?
Replies: 10
Views: 583

Re: How do you benchmark your portfolio.

I don't do any detailed calculation. I just compare my returns to the total stock market, say something like VTI. Since I'm not 100% in stocks I just do a little mental math to see what is reasonable. When I see a difference, I usually can figure out the reason by looking at my individual asset clas...
by Sbashore
Mon Jan 20, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3010

Re: POLL: Investing vs. pay down mortgage feelings

I invested. I'm content with the decision. I've done the math. It may have worked out of dumb luck over the years, but it worked.
by Sbashore
Sat Jan 18, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3836

Re: 100% Stock Portfolio in Small Cap Value??

Canogapark66 wrote:Seeing as how research has shown over the past 80 yrs, small cap value has beaten the sp500 why do Bogleheads choose a Total Stock Market fund over Small Cap Value?


Because my crystal ball broke and I'll be dead in 80 years.
by Sbashore
Fri Jan 17, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio in Small Cap Value??
Replies: 42
Views: 3578

Re: Made a $50k bet on Healthcare

InvestorNewb wrote:Personally I think Healthcare is a pretty safe bet. There are a lot of boomers retiring who will have increasing needs.

I don't understand why more people don't tilt toward this sector; the fund isn't mentioned that much around here.


I think "pretty safe bet" is an oxymoron.
by Sbashore
Sat Jan 11, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 43
Views: 4814

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2002.33. Ever the optimist. :happy
by Sbashore
Thu Jan 09, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10654

Re: exponential rise in prices ?

Maybe
by Sbashore
Tue Dec 31, 2013 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: exponential rise in prices ?
Replies: 7
Views: 1103

Re: Withdrawal plan based on market performance

I have a withdrawal plan that has market performance as a component. I use my internal rate of return (XIRR) as of Dec. 1 of a year to benchmark my allowable distributions for the next year. I withdraw a nominal 5% if my XIRR is greater than zero and dividend income plus 2% if it's below zero.
by Sbashore
Sun Dec 22, 2013 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Withdrawal plan based on market performance
Replies: 34
Views: 1315

Re: Poll: How conservative/aggressive is your AA for your ag

Age 65, retired. Moderate-aggressive. It will become more aggressive with time since I don't plan to change the allocation, at least not soon (never say never).
by Sbashore
Sat Nov 02, 2013 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 5902

Re: POLL: What is your rate of return YTD?

9.2 % YTD. AA is 50/50.
by Sbashore
Thu Oct 17, 2013 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your rate of return YTD?
Replies: 89
Views: 6156

Re: Talk me down

Please post the symbols....without posting them today and revisiting again in 12 months... there will be no "proof". So... post or it didn't happen. Thank you. I've noticed that some people here actually have disclaimers in their signatures saying that they can't be held liable for any fi...
by Sbashore
Sat Oct 12, 2013 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5550

Re: What would a boglehead consider a "good" return?

My median annual return since I retired has been 9.9%. I expect it to erode going forward, but I can't predict the future. I'm comfortable with my AA and expenses, I'll take what it gives.
by Sbashore
Thu Oct 10, 2013 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: What would a boglehead consider a "good" return?
Replies: 52
Views: 3519

Re: The market is on fire

InvestorNewb wrote:I felt it was necessary to restore this thread, as once again, it seems that the market is on fire.


Congratulations you made it through a minor deviation. :happy
by Sbashore
Thu Oct 10, 2013 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12461

Re: What will happen to BND if US default?

Officially the US will NOT default. Those are only scare negotiation tactics. The US has plenty of daily/monthly cashflow to meet its interest obligations. Stay the course! I agree with this. I think the cash flow needed to pay debt interest is approximately 1/10 of the revenues per month. I've als...
by Sbashore
Wed Oct 09, 2013 11:08 am
 
Forum: Investing - Theory, News & General
Topic: What will happen to BND if US default?
Replies: 19
Views: 1960

Re: How Do Bogleheads Diversify Fixed Income?

How do retired Bogleheads diversify within their fixed income in retirement ? I have noticed that some retired Bogleheads hold TIPS while others don't. Some prefer a Short-term Investment Grade Fund rather than a Total Bond Fund. Some prefer to substitute CD's for bonds. I was hoping some Boglehead...
by Sbashore
Wed Oct 09, 2013 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: How Do Bogleheads Diversify Fixed Income?
Replies: 48
Views: 5014

Re: Ok I read enough posts on how selling is foolish now

LOL dunno about that :) But seriously is it a bad idea to rebalance some of the funds right now (today) into something more conservative for the time being? It's a bad idea to rebalance, or whatever you want to call it (rebalancing entails buying and selling) in reaction to the noise in the news. I...
by Sbashore
Tue Oct 08, 2013 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: Ok I read enough posts on how selling is foolish now
Replies: 30
Views: 2806

Re: Taking ownership of investing kind of like giving birth?

When you are giving birth, your hormones are acting to your and your offspring's advantage. When you are investing, your hormones are usually acting against your financial interests. If you internalize this distinction you'll do fine. Good luck, Victoria Very insightful, very concise and very true....
by Sbashore
Tue Oct 08, 2013 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking ownership of investing kind of like giving birth?
Replies: 14
Views: 777

Re: The market is on fire

InvestorNewb wrote:Argh. The market is not on fire anymore.


I await your "OMG I'm getting out" post. :happy
by Sbashore
Fri Sep 20, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12461

Re: Childrens' Allowance

My father gave us an allowance equivalent to what it costs to go to the movies each week. He was from the Greatest Generation, and the "show" was how they got their news as well as entertainment. I've continued this practice with my daughter. It seems to be a great way to keep up with inf...
by Sbashore
Tue Sep 17, 2013 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Childrens' Allowance
Replies: 71
Views: 4452

Re: Federal Retirees: Why Medicare?

Many Federal employees I know use Blue Cross Blue Shield as their FEHB plan. However, after discussing it with another Boglehead, I started using GEHA. I am curious if 1. using BCBS is a matter of habit, or there are good reasons to select it? 2. BCBS may be better for retirees than for employees? ...
by Sbashore
Tue Sep 17, 2013 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 5821

Re: Federal Retirees: Why Medicare?

I'm a Federal retiree and have Medicare Part B and FEHB. Having seen my late wife through a series of serious illness and health issues, I hold both with no hesitation. My out of pocket costs were zero when the medical expenses were high six figures. What I was able to do, when I became eligible for...
by Sbashore
Mon Sep 16, 2013 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 5821

Re: The Perils of Debit Cards

Just because you don't use or have a debit card may not save you. Bank of America incorrectly treated a deposit made by me in person as a debit. My account was essentially frozen for 3 weeks until they corrected their mistake even though they were informed of their mistake immediately. I have a 2nd...
by Sbashore
Sun Sep 15, 2013 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Perils of Debit Cards
Replies: 14
Views: 2002

Re: Do Bogleheads invest in physical gold?

In my opinion, movement in precious metals prices is completely random. And movement in stock and bond prices are predictable? He did say "in his opinion". I am the same way - I can understand (usually) "why" stocks and bonds move the general way they do over longer terms. Preci...
by Sbashore
Sun Sep 15, 2013 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads invest in physical gold?
Replies: 94
Views: 6313

Re: TSP or Vanguard IRAs

Besides the low ERs of TSP there is the mythical G fund which is pretty excellent in the withdrawal phase. Nice right now with a steep yield curve especially. If you want to slice and dice your AA then Vanguard is the better choice, but of course you wouldn't have to Vanguard all the way - just eno...
by Sbashore
Sat Sep 14, 2013 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard IRAs
Replies: 18
Views: 2031

Re: Do Bogleheads invest in physical gold?

No, I invest in things that have a future income stream not a speculative return. In my opinion, movement in precious metals prices is completely random.
by Sbashore
Sat Sep 14, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads invest in physical gold?
Replies: 94
Views: 6313

Re: Retirement Planning Question

........ I hate that I have to be this way, but I have no safety net other than what I can create for myself. Join the club. :happy I think you'll be fine. I know how the transition can be stressful, but the reality is that you won't blindly follow some formula for withdrawals anyway. If you're lik...
by Sbashore
Sat Sep 07, 2013 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning Question
Replies: 9
Views: 880

Re: Retirement Planning Question

I remember using retirement calculators in the time before the dot com crash. Now that I'm retired, in hindsight they weren't even close. So my experience is that the real world can throw those figures off in a relatively short period of time. They are instructive and can give you a sense of how you...
by Sbashore
Sat Sep 07, 2013 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning Question
Replies: 9
Views: 880

Re: Where to put Vanguard Dividend Payments

Why not reinvest the dividends back into the total bond fund in the Roth IRA? Because I don't want to and really that ought to be enough for them. There are reasons to keep a small amount of cash in a Roth account. I have the answer I needed. Vanguard cannot accommodate a request that competitors c...
by Sbashore
Sat Sep 07, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put Vanguard Dividend Payments
Replies: 30
Views: 1984
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