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Re: Safe floor and Safe Withdrawal Rate

I actually was looking for an explanation of his rationale, which snark is not. Hope it's not too hot down there today. Well, a suggestion to ask Dr. Bernstein would suffice to most. But, apparently insufficient with follow-up: "Extreme" = "well outside the norm," which by your ...
by YDNAL
Sun Aug 31, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1314

Re: I'd buy an S&P 500 index fund in a pinch

I regard S&P 500 and Total Stock Market as interchangeable in my asset allocation. The complexity of trying to complement it with an extended market fund just isn't worth the trouble. Funny you think 2.6% return annually over 10 years "isn't worth the trouble." And, that additional re...
by YDNAL
Sun Aug 31, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5196

Re: Safe floor and Safe Withdrawal Rate

"Extreme" = "well outside the norm," which by your own example his recommendation is. Why 20 yrs? What stock market event in market history has had a twenty year recovery period? And given the very real opportunity costs of his recommendation, is it wise to fully insulate agains...
by YDNAL
Sat Aug 30, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1314

Re: Safe floor and Safe Withdrawal Rate

What is a safe floor? Is it only made up of SPIA (inflation), cash, ladder of TIPs or are there other things? A safe floor can mean different things to different people. I personally match future liabilities (expenses) with my investments. That said, similarly Dr. William Bernstein has posted that ...
by YDNAL
Sat Aug 30, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1314

Re: Safe floor and Safe Withdrawal Rate

What is a safe floor? Is it only made up of SPIA (inflation), cash, ladder of TIPs or are there other things? A safe floor can mean different things to different people. I personally match future liabilities (expenses) with my investments. That said, similarly Dr. William Bernstein has posted that ...
by YDNAL
Sat Aug 30, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1314

Re: Targeted Intermediate Treasury Funds vs Market-cap Weigh

Intermediate term treasuries are sometimes recommended as the "sweet spot" of risk/reward for the bond part a portfolio. Of the funds that meet this criteria, there are some that focus on that specific maturity zone and others that invest in all maturities but whose market-cap weighing ma...
by YDNAL
Sat Aug 30, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Targeted Intermediate Treasury Funds vs Market-cap Weighing?
Replies: 2
Views: 337

Re: I'd buy an S&P 500 index fund in a pinch

I regard S&P 500 and Total Stock Market as interchangeable in my asset allocation. The complexity of trying to complement it with an extended market fund just isn't worth the trouble. Funny you think 2.6% return annually over 10 years "isn't worth the trouble." And, that additional re...
by YDNAL
Sat Aug 30, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5196

Re: I'd buy an S&P 500 index fund in a pinch

Thanks for the information. I've always dumped some money into funds that sounded as if they might add up to my AA. In my 401K, I notice I have access to a fund called Vanguard US Equity Index Fund. It seems to the the S&P 500. I dumped some money into it. We also have access to VEMPX so I dump...
by YDNAL
Fri Aug 29, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5196

Re: Poll: How many own zero/few stocks?

Below are the 20 S&P 500 stocks that analysts were the most bullish on going into the year: Company Symbol Average rating YTD % Ch. H&R Block HRB 1.56 15.6% Ryder R 1.56 22.8% Celgene CELG 1.61 12.1% Quanta PWR 1.61 14.8% American Tower AMT 1.64 23.8% Agilent A 1.65 -0.1% Starbucks SBUX 1.6...
by YDNAL
Fri Aug 29, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2657

Re: Poll: How many own zero/few stocks?

3) My 3 largest equities have out-performed the market handsomely since purchased in late 1990s. I'd hate to sell my "winners". If I do sell, I'd put it all in Total Stock Market Index. Are "3 largest equities" these 3 ? http://www.bogleheads.org/forum/viewtopic.php?f=1&t=14...
by YDNAL
Fri Aug 29, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2657

Re: How I beat Indexing... in 1 hour

SuperSaver wrote:To all,

I'm limiting this strategy to bi-annually.

Why?

A fruitful endeavor -- one that bears fruit consistently -- should be applied on an ongoing basis. Perhaps you become the next Warrant Buffett!

I'm betting against you, though. :)
by YDNAL
Fri Aug 29, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7039

Re: I'd buy an S&P 500 index fund in a pinch

I’m an index fund investor, but I don’t invest in S&P 500 index funds. It’s not the type of index I want in my portfolio, unless I’m in a pinch. Here’s why: S&P 500: A Great 2nd Place Index Fund Rick Feri I read the article, and what jumped at me is that an individual's investment "obj...
by YDNAL
Fri Aug 29, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5196

Re: Motif Investing - own the S&P500 for less

SPY, VOO, and Vanguard's S&P500 fund are very cheap at 0.05-0.10% ER, but could it be cheaper to just hold all the stocks yourself? Thanks to Motif Investing, a gimicky upstart brokerage where buying 30 stocks at a time only costs $9.95, this may be more practical than it has been for normal in...
by YDNAL
Fri Aug 29, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 75
Views: 3406

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

YDNAL I think you mean well but I am not sure you understand the pro's and con's of a variable annuity and how they work. I am not trying to beat the system I am just trying to see if I can use a variable annuity to my advantage. Oh... I know EXACTLY what variable annuities do. I also think (know) ...
by YDNAL
Thu Aug 28, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: invest only in vtsmx and total bond market index.

Does John Bogle still recommend investing in the total stock market index fund and the total bond market index fund only without adding any international securities? I don't know and it wouldn't matter to me. What matters is diversification. THIS recent thread may interest you, and provides a glimp...
by YDNAL
Thu Aug 28, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: invest only in vtsmx and total bond market index.
Replies: 8
Views: 1354

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

That is not true I just don't want dividends on my tax return that does not mean I don't want it to grow. I am not trying to escape taxes I know I will have to pay them later. I am single so I can take about 35k in profit and only pay 15% on it later. Rec7, now I'm fully lost. Sorry. I gotta run!
by YDNAL
Thu Aug 28, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: Municipal bonds 1y returns - exuberance and caution

Just wanted to point out, if you haven't looked lately, that muni one-year performance has reached the astronomical levels of 9-10%, to which you can add another 2-3% of tax exempt savings. In part, this is driven by the big slump in August 2013 which is now at the other end of the 1y window, but a...
by YDNAL
Thu Aug 28, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Municipal bonds 1y returns - exuberance and caution
Replies: 40
Views: 3545

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

If Vanguard Total Stk Mkt VA's distributed "dividends" are moderate - Vanguard's description - and current SEC yield is reported at 1.3%, only you can determine how this could affect whatever concerns you. Otherwise, you are seeking others' opinions for something that should be based on p...
by YDNAL
Thu Aug 28, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

Apparently the OP is concerned about year to year dividends affecting phase outs or subsidies and would prefer to keep them out of taxable income. That's right and deciding which of these two investments to use. If Vanguard Total Stk Mkt VA's distributed "dividends" are moderate - Vanguar...
by YDNAL
Thu Aug 28, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: International allocation

Rodc » Thu Aug 28, 2014 1:43 pm wrote:I don't understand why I would want to own Ford and Chevy but would want to skip Toyota, Honda and BMW if I can easily and cheaply own them all.

This would make a great signature!
by YDNAL
Thu Aug 28, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4118

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

True but those dividends are inside the annuity. They will not show up on a tax return until you sell. You lost me. IF you plan to hold for 25 years -- assuming for retirement -- you would then (in retirement) be selling/consuming regardless. True but I would pay no taxes until then. I am single so...
by YDNAL
Thu Aug 28, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

Berkshire Hathaway Inc. or a Vanguard Variable Annuity Ttl Stock Market Idx If you could only pick one to hold for 25 years which one would you choose? I want something that has no dividends and something I can hold a long time. Vanguard thinks that Fund 0604 distributes "a moderate level of d...
by YDNAL
Thu Aug 28, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: Berkshire Hathaway Inc. or a Vanguard Variable Annuity

Berkshire Hathaway Inc. or a Vanguard Variable Annuity Ttl Stock Market Idx If you could only pick one to hold for 25 years which one would you choose? I want something that has no dividends and something I can hold a long time. Vanguard thinks that Fund 0604 distributes "a moderate level of d...
by YDNAL
Thu Aug 28, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Inc. or a Vanguard Variable Annuity
Replies: 33
Views: 2265

Re: Investing jungle..."authoritative" sources unbalanced

http://www.usatoday.com/story/money/columnist/2014/08/26/401k-ira-baby-boomers-retire/14539391/ "John Bucsek, managing director of MetLife Solutions Group, says the number of choices in the IRA is a big reason to roll over your retirement savings. "Normally in a 401(k), I can have 10 to 1...
by YDNAL
Thu Aug 28, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Investing jungle..."authoritative" sources unbalanced
Replies: 2
Views: 485

Re: What's "The Herd" doing today?

22twain wrote:I think right now the Thundering Herd is saying, "Beat Miami (Ohio)!"

Being from Miami (FL), you made me look it up!
Saturday, August 30, 3:30 PM on ESP3
Fred C. Yager Stadium, Oxford, Ohio

Marshall
Thundering Herd
@
Miami (OH)
RedHawks
by YDNAL
Thu Aug 28, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3415

Re: Bad(?) advice given about Target Date Retirement funds

....I value simplicity highly. TR funds are the poster children for simplicity. It is their reason for being. That is one reason I don't like the advice often given that essentially boils down to "pick one you like today" and manage it by yourself for the rest of your life instead of lett...
by YDNAL
Thu Aug 28, 2014 7:04 am
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: Bad(?) advice given about Target Date Retirement funds

For sake of argument I will grant you that things can be fuzzy. BUT that has no bearing on my OP. That is based on the premise that someone DOES have a desired AA. Well, a "desired AA" doesn't equal a "carefully calculated AA" -- as you said in OP, which I challenged. I always d...
by YDNAL
Wed Aug 27, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: Warren Buffet and the S&P index fund

He's realized over the years that vast majority (99% plus) of people aren't bright enough, thoughtful enough, or motivated enough to do what he does. Heck, most aren't bright enough to spell his name correctly. You got that right. I can't tell you how many times I've had to remind people that there...
by YDNAL
Wed Aug 27, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffet and the S&P index fund
Replies: 23
Views: 1720

Re: Bad(?) advice given about Target Date Retirement funds

This AA stuff is not a Science and is not sooooooo precise Yeah, but an 80/20 has twice as many bonds as 90/10. I'd say the psychological difference between those two is the largest, much greater than the difference between say 60/40 and 50/50. A 50% Equity drop with 90% Equities = 45% of invested ...
by YDNAL
Wed Aug 27, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: Bad(?) advice given about Target Date Retirement funds

....If you pick ANY of the Vanguard TD funds that is NOT at its starting AA of 90/10 you are putting yourself on a glide path that will immediately start to change your carefully selected AA. The "normalcy" or lack thereof is not a relevant issue and I make no claim about it. I do say tha...
by YDNAL
Wed Aug 27, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: Bad(?) advice given about Target Date Retirement funds

Leeraar wrote:The dangerous assumption you are making is that Target Date funds from different providers are similar or equivalent, "typically available all over the place". They are not.

L.

You are *assuming* that I made such assumption. :)
by YDNAL
Wed Aug 27, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: Bad(?) advice given about Target Date Retirement funds

So if someone who was 30 years old said I'd prefer an 80/20 allocation and I want something I can just hold long-term, would anyone really advise them to buy the TR 2035 fund instead of the TR 2050 fund? No. They should buy LifeStrategy Growth and be done. L. The issue here, Leeraar, is that many (...
by YDNAL
Wed Aug 27, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: Warren Buffet and the S&P index fund

....Remember Buffet`s bet with that hedge fund for 10 years saying the S&P 500 will return more and so far Buffet is winning after 5 years or so I think. Yes. http://fortune.com/2014/02/05/buffett-widens-lead-in-1-million-hedge-fund-bet/ The human mind can trick us into *thinking* that we know ...
by YDNAL
Wed Aug 27, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffet and the S&P index fund
Replies: 23
Views: 1720

Re: 100% stock AA-> At what age to add bonds?

Let's circle back to the original post by the OP and something that was said: At what age should he start adding Bonds? ....The opening question seems to be looking for a plan (a retirement plan to be specific) because without knowing when a person is going to retire, or want's to retire, we cannot...
by YDNAL
Wed Aug 27, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3674

Re: Bad(?) advice given about Target Date Retirement funds

...why wouldn't it be just as bad to recommend buying and holding a Life Strategy fund that's either too conservative, early on, or too aggressive later on? In each instance, the investor is better served by having a basic understanding of the principles and adjusting allocation over time. If they ...
by YDNAL
Wed Aug 27, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: What's "The Herd" doing today?

Reb Tevye wrote:So, what do you think The Herd is doing today?

I think the herd is paying ~7.5% more for S&P 500 earnings than 1 year ago and ~14.5% more than forward estimates.
http://online.wsj.com/mdc/public/page/2 ... yield.html
by YDNAL
Wed Aug 27, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3415

Re: International allocation

kazper » Sun Aug 24, 2014 7:22 am wrote:What is your percentage?....

13%
    - I have a target 40/60 Equity/Fixed Income AA.
    - US Equities are 27%, International (non-US) Equities are 13%, Fixed Income is 60%.
I don't look at Equities in a vacuum.
by YDNAL
Wed Aug 27, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4118

Re: How I beat Indexing... in 1 hour

Had I lost $5000, I never would have tried the endeavor again.... SuperSaver, It seems to ME that you like making *bets* -- per earlier post by leonard -- that go beyond $5K in fun money. Hmmmm....having trouble with the math and algebra reconciling this approach with the numbers here: http://www.b...
by YDNAL
Wed Aug 27, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7039

Re: Bad(?) advice given about Target Date Retirement funds

... That said, TR 2035 will "glide" 7-8 points over 5 year periods. 1. So what?... 2. Unless, that is, you are attempting to dance on the head of a pin -- a.k.a. "carefully selected AA." ... Take me as an example, I'm 45. I "should" be in the 2035 fund, which is curren...
by YDNAL
Wed Aug 27, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6367

Re: S&P500 over 2000

.....Perhaps others can explain their "rebalancing" methodology. Thanks for responses to my suggestion. My point, though, was not elicit responses but it was to bring home the point that "rebalancing" to a pre-determined preferred Asset Allocation -- using a predetermined proces...
by YDNAL
Wed Aug 27, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5322

Re: S&P500 over 2000

So who is selling equities and buying bonds to re-balance their portfolio? Excellent question. VFINX - S&P 500 Index's trailing 12 month TOTAL return is 22.41%. http://performance.morningstar.com/fund/performance-return.action?t=VFINX&region=usa&culture=en-US $10,000 invested 50/50 VFIN...
by YDNAL
Tue Aug 26, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5322

Re: How I beat Indexing... in 1 hour

5) For me, this was in early August - FARO: first in field, no real competition -ITMN: I knew of impending buy out - ILMN: same as FARO - LUV: knew of fuel prices coming down from USA Today app - TSLA: despite insane P/E ratio RESULTS: Cost basis $4400 Market Value: $5400 Guessing what "early ...
by YDNAL
Tue Aug 26, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 53
Views: 7039

Re: S&P 500 Equal Weight Index

JoMoney » Tue Aug 26, 2014 7:37 am wrote:Maybe "small" just means "small-er". All of those companies are in Vanguard's Mid-Cap index fund.

Post reads: "tilting to small cap stocks." If poster meant "smaller" -- and certainly "mid caps" -- then (s)he would write it (me thinks).
by YDNAL
Tue Aug 26, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Equal Weight Index
Replies: 10
Views: 922

Re: S&P 500 Equal Weight Index

. 5 SMALLEST holdings in Vanguard VFINX (ascending order). https://personal.vanguard.com/us/FundsAllHoldings?FundId=0040&FundIntExt=INT&tableName=Equity&tableIndex=0&sort=MARKET_VALUE&sortOrder=web.funds.profile.view.FundsAllHoldingsSort$SortOrder@e818681 Graham Holdings Co. Clas...
by YDNAL
Tue Aug 26, 2014 7:19 am
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Equal Weight Index
Replies: 10
Views: 922

Re: 100% stock AA-> At what age to add bonds?

There is only one LARGE problem here... "Here"... where? My point -- and only point -- is that age is meaningless, and willingness (psychological), ability, and need for risk should dictate how we invest our savings. Period, the end! ... bonds CAN and usually DO improve your returns, with...
by YDNAL
Mon Aug 25, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3674

Re: 100% stock AA-> At what age to add bonds?

Age in bonds is still a pretty good starting point. "Pretty good" how? A general "rule of thumb" is what it is. A 30yo and a 60yo can have exactly the same financial & psychological ability to -- under all conditions -- carry out an exact investment plan. ← That is what matt...
by YDNAL
Mon Aug 25, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3674

Re: The Extreme Outliers of the Investment Universe

Rick, Thanks for sharing this- those charts are really informative. Two questions about them- does the chart for active funds include expenses? What is the time period for the active fund chart- just the first six months of 2012? Lyle Lyle, Simplegift's name is Todd (not Rick). Rick Ferri's article...
by YDNAL
Mon Aug 25, 2014 6:44 am
 
Forum: Investing - Theory, News & General
Topic: The Extreme Outliers of the Investment Universe
Replies: 27
Views: 2746

Re: 100% stock AA-> At what age to add bonds?

Gambler » Sun Aug 24, 2014 4:45 pm wrote:100% stock AA-> At what age to add bonds?

Age has nothing to do with this.

Financial and Psychological ability to carry out your investment plan - under all conditions - DOES!

ps. Have you ever read Benjamin Graham?
by YDNAL
Mon Aug 25, 2014 6:19 am
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3674

Re: Different Strategy For 401k and IRA?

I have a 401k and an IRA and was wondering if it was a good idea to invest them differently? My 401k is invested mostly in an S&P 500 index fund. I have quite a bit more money in my 401k. Should I take a different strategy with my IRA to diversify my investments from the 401K? Any ideas or sugg...
by YDNAL
Wed Aug 20, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Different Strategy For 401k and IRA?
Replies: 3
Views: 230

Re: Why only stocks in a taxable account at retirement?

...Total Bond Market Index in a tax advantage account - 50% of portfolio Total Stock Market Index in a taxable account - 35% of portfolio Total International Index in a taxable account - 15% or portfolio I've read that you are supposed to withdraw at retirement (let's say 4%) in order from 1) Taxab...
by YDNAL
Wed Aug 20, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why only stocks in a taxable account at retirement?
Replies: 26
Views: 1843
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