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Re: Will LS Fund Take Big Hit if Interst Rate Rise

I am the op and do have the Conservative Life Strategy fund. Dandy's " head wind " comment is my concern especially if withdrawing from Life Strategy fund in addition to the reduction in NAV, if rates rise. Perhaps the prudent course is 2 to 3 years of CD's and avoid rate increase. ( Of co...
by antiqueman
Thu Feb 19, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Will LS Fund Take Big Hit if Interst Rate Rise
Replies: 13
Views: 1063

Re: Will LS Fund Take Big Hit if Interst Rate Rise

Thanks OGD. Your comments are helpful.

Any other comments are appreciated.
by antiqueman
Wed Feb 18, 2015 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Will LS Fund Take Big Hit if Interst Rate Rise
Replies: 13
Views: 1063

Re: A Special Message From Social Security--NOT!

I got the email today. I don't know if its legit but I am not taking a chance. I will go to SSA website.
by antiqueman
Tue Feb 17, 2015 5:31 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6158

Will LS Fund Take Big Hit if Interst Rate Rise

I like Vanguard Life Strategy Funds. The number of recent post about bond funds NAV declining if rates rise raised a question in my mind about how much of a hit would an LS ( or target date) fund take if rates rise suddenly. Assume one has one million dollars in 40/60 Vanguard Life Strategy Fund. Th...
by antiqueman
Tue Feb 17, 2015 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Will LS Fund Take Big Hit if Interst Rate Rise
Replies: 13
Views: 1063

Re: Average amount saved for retirement by age

I notice in a number of responses, members mentioning "Net Worth"

In this thread are we talking about " Net Worth" or X times investable assets like stock, bonds, cash? I think it makes a difference.
by antiqueman
Mon Feb 16, 2015 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Average amount saved for retirement by age
Replies: 133
Views: 27321

Re: Leave $ in State Retirement?

My advice would be to leave it all in the retirement system. I worked for a state in 1970's. I was fully vested. I left state employment to go to law school. I took all of the money out of the state retirement system (I didn't know any better. ) In 2010 , 35 years after I left state employment in 19...
by antiqueman
Sat Jan 31, 2015 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leave $ in State Retirement?
Replies: 8
Views: 679

Re: The lowest stock allocation you plan to stay with

This a great thread.

I am only 15% equities of total portfolio with 20 years CD's , short term bond funds and Tips. Hopefully will not need equity money for at least 15 years.
by antiqueman
Sat Jan 31, 2015 10:32 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4333

Re: OLD AGE PENNY PINCHERS

But in response to the OP, why would an income stream, [b]not[/b] be counted as wealth? It seems like that is the very definition of wealth.[/quote] Because you don't know if the income stream will be there for you when you retire . You don't know if a supposed income stream will be reduced or total...
by antiqueman
Mon Jan 26, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Clements - 4 strategies for those close to retirement]
Replies: 25
Views: 3335

Does percent of International affect Otar calculator

I have purchased Jim Otar's retirement calculator, basic version. In his calculator he uses three categories --SP for stocks, nominal bonds and Tips. There is no category for international . For those of you who have read Otars book 'Unveiling the Retirement Myth" or used his calculator what ar...
by antiqueman
Mon Jan 26, 2015 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Does percent of International affect Otar calculator
Replies: 3
Views: 406

Re: "When you've won the game, stop playing"

[quote="dharrythomas"]Thanks Taylor! The reader comments insulting Bill Bernstein make me smile. I can remember thinking that I was as smart as some of the readers do. I don't know more, I've just got a better understanding of how little I actually know. I agree . I know enough to know tha...
by antiqueman
Tue Jan 20, 2015 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8593

How to AA Risk Portfolio

Assume an investor has established a LMP to cover them rest of their life. (Lets not debate if he really does ) The investor has "X" left over for the Risk Portfolio. For simplicity, lets say the amount available for the Risk Portfolio is 100k. Investor's main goal for the RP is for it to ...
by antiqueman
Mon Jan 19, 2015 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: How to AA Risk Portfolio
Replies: 4
Views: 425

Re: LMP TIPS ladder- Purchase at next week's auction?

I am also establishing LMP and will buy the 10 year next week even though yield is low. In retirement I am more concerned about inflation than the yield I will receive. Of course ,we all want better yield but the risk of inflation to one in retirement could be crippling if we have unexpected inflati...
by antiqueman
Sat Jan 17, 2015 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: LMP TIPS ladder- Purchase at next week's auction?
Replies: 6
Views: 886

Re: 3%, 10-year CD bought today

I bought a 3.4 % ten year CD about 16 months ago. So now I have a 3.4 %CD with about 8.5 years left. I thought then ,and still think now ,that rates will decline over the next few years.
by antiqueman
Wed Jan 14, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3415

Need Cash if Hold Target or LS Fund ?

As I approach retirement I am considering moving assets into a Target Fund or LS fund of Vanguard. I would like the forum members thoughts on whether one should hold a year or two cash /short term bonds/cds for liquidity purposes if one had all assets in TR or LS Fund. Assume one had a LS fund with ...
by antiqueman
Sun Dec 21, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Cash if Hold Target or LS Fund ?
Replies: 6
Views: 614

Federal Retiree Insurance and Medicare

Are their any on the forum who are retired from the Federal Government who have both Medicare and that kept their federal health insurance after retirement. As I understand it, once a federal employee becomes 65 and goes on Medicare their federal health insurance is treated like a supplemental polic...
by antiqueman
Mon Dec 15, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 516

Re: 80/20 stocks/bonds for near retirement

For those that argue against the 80/20 portfolio in retirement would your position be different if you were using a Liability Matching Portfolio. I am considering whether to have AA of 60/40 or 80/20 in the Risk portion of a liability match portfolio. Is 80/ 20 to risky for the portion of the portfo...
by antiqueman
Mon Dec 15, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 80/20 stocks/bonds for near retirement
Replies: 26
Views: 2354

Re: Today is Thanksgiving Day for my family

Swampy, so very glad your children are safe. Also, thank you for reminding me how uncertain life is for any of us.
by antiqueman
Thu Nov 20, 2014 3:58 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Today is Thanksgiving Day for my family
Replies: 7
Views: 1590

Re: If your networth is over $3 million, how did you do it?

[quote="JDCarpenter""]Probably the biggest factor for us (another OBG family, due to DW) has been a strong partnership/marriage with compatible long-range goals and willingness to defer/ignore consumer gratification; we started discussing retirement about the time we were getting out ...
by antiqueman
Tue Nov 11, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46809

Can individual deduct $5000.00 cafeteria if two employers

I work for two different employer.

Cafeteria limits for medical is $2500.00 .

But because I work for two employers can I deduct $2500.00 with each employer for a total of $5000.0?

I cant find answer on internet although I have searched.

Thanks.
by antiqueman
Thu Oct 30, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can individual deduct $5000.00 cafeteria if two employers
Replies: 4
Views: 897

Lightweight Electric Blanket.

I am looking for a lightweight, good electric blanker.

I have an electric blanket but its heavy. Do any fellow Bogleheads have suggestion for an electric blanket that is (1) lightweight (2) is of good quality.


If so please advise.

Thanks.
by antiqueman
Sun Oct 26, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 1078

Re: TIPS Auction 10 year bonds

I am considering it for my 2025 TIPS ladder but I may wait until Jan. 2015 for the ten year auction. I suppose the only difference is whether the coupon will be higher or lower in January 2015. # Cruncher, if you read this post give us your thoughts on the upcoming auction compared to the one to be ...
by antiqueman
Fri Sep 12, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: TIPS Auction 10 year bonds
Replies: 4
Views: 824

Re: Worst star year fir VPW method

Sorry for the typos.

I meant Start year For VPW. I hit send before checking the spelling. How do I correct the errors?
by antiqueman
Sat Aug 23, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 535
Views: 146155

Worst Start year For VPW method

[Thread merged into here, see below. --admin LadyGeek] I have been testing VPW calculator . I think it defaults to 1972 for the year to begin the simulation. For those of you who understand VPW well, can you tell me which year I should use if I want to forecast the worst 30 year period in history? ...
by antiqueman
Sat Aug 23, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 535
Views: 146155

Re: Withdrawl from Target Retirement or Life Strategy Fund

[quote="Dandy"]no matter how many different investments you have - you still have to withdraw from one of them. How do you pick? the one that has appreciated the most? OK but you might be losing out on some further momentum and/or you might have been using that fund to rebalance to an inve...
by antiqueman
Sat Aug 09, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4731

Re: Which Vanguard Short Treasury Fund

Thanks BigJohn.


One of the main reasons I am considering VFIRX is the same as you. Treasury notes/bills and should be very safe if there is a flight to safety concern.
by antiqueman
Sat Aug 09, 2014 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Which Vanguard Short Treasury Fund
Replies: 38
Views: 3297

Re: Which Vanguard Short Treasury Fund

Doc did you decide which course to take?

I am facing similar question and am leaning to VFIRX.

What are yours thoughts ( and anyone elses)


Thanks.
by antiqueman
Fri Aug 08, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Which Vanguard Short Treasury Fund
Replies: 38
Views: 3297

Re: New 10-Year TIPS Auction July 24 2014

# Cruncher, Doc, Nisi and all you other smart people. Why are the TIPS rates so low. Is the thought of inflation causing them to go up or are they just going up because the ten year yield is going down? [quote="Doc"]Damn. I thought interest rate were supposed to increase.[/quote]I heard th...
by antiqueman
Tue Jul 22, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 17
Views: 1752

Re: Can it be wrong to be too risk averse?

Larry , concerning your comment below that "adding small amount of equity doesn't increase portfolio risk"--what do you consider to be the least amount of equity one can hold to keep pace with inflation IF one does not tilt or invest in a Larry Type portfolio? Is it 20%, 30%? Thanks for yo...
by antiqueman
Tue Jul 22, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2593

Re: Withdrawl from Target Retirement or Life Strategy Fund

Thanks for the replies so far. I would appreciate any other comments because I want to be sure I understand any downsides to withdrawing from a TR or LS fund in retirement.

Thanks to all.
by antiqueman
Thu Jul 17, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4731

Withdrawl from Target Retirement or Life Strategy Fund

I like the concept of the Target Retirement or Life Strategy Funds in regard to one fund--set and forget it- etc. But I am wrestling with the concept of withdrawing from that type of fund. Assume that a person has a 1 million dollar portfolio. He has a target retirement or life strategy fund. ( Does...
by antiqueman
Wed Jul 16, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4731

Re: Should Risk Portfolio in LMP, be 100% equity

Thanks to all who have responded so far. I would appreciate any other thoughts any of you may have.
by antiqueman
Tue Jun 24, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should Risk Portfolio in LMP, be 100% equity
Replies: 20
Views: 1294

Should Risk Portfolio in LMP, be 100% equity

I understand the basic concept of the liability matching portfolio of matching liabilities with certain income each year over your project life ( or whatever time frame one uses) I also understand that what one has left over after he/she has established the LMP, is recommend to be devoted to a Risk ...
by antiqueman
Sat Jun 21, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should Risk Portfolio in LMP, be 100% equity
Replies: 20
Views: 1294

Companies that issue inflation adjusted SPIA

I would like to price an inflation adjusted SPIA for planning purposes. I have found some companies that sale them but none of those companies have a calculator available to price them. They want you to contact the company for an advisor. Can someone please advise of a company that sales inflation a...
by antiqueman
Fri Jun 20, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Companies that issue inflation adjusted SPIA
Replies: 4
Views: 421

Re: investing international, why & how much

Larry would you please provide your thoughts on VT , if a person was considering increasing international to 50% of portfolio?


Thank you.
by antiqueman
Tue Jun 10, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4846

Will you obtain same result if you use a Life Strategy Fund

I am wrestling with the following question: If one uses a Vanguard Life Strategy Fund instead of the components of the Life Strategy Fund, will the person receive the same result ( good or bad) other than the difference in the LS Fund expense ratio being somewhat higher than the combined individual ...
by antiqueman
Thu May 29, 2014 8:33 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3590

Zero Coupon or CD's Nominal Bonds in Liability Matching Port

I am considering a LMP and trying to determine if I should use Zero Coupon bonds or CDs or Nominal Treasuries ( I am also considering TIPS but that doesn't matter for my question in this thread). With everything else being equal I. e, duration CDs ( nominal bonds)are paying several basis points more...
by antiqueman
Wed Apr 16, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Zero Coupon or CD's Nominal Bonds in Liability Matching Port
Replies: 3
Views: 242

Re: Thrift Savings Plan -- the G Fund

The G fund is one of the best fixed income investments available in this interest rate environment.
by antiqueman
Fri Apr 11, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan -- the G Fund
Replies: 6
Views: 834

Re: Wade Pfau: Lifecycle Finance

Bobcat2--- What is the theory behind using an Indexed Global fund in Life Cycle Funding as opposed to two equity index funds such as VTI and VXUS?


Thanks.
by antiqueman
Sat Mar 15, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Lifecycle Finance
Replies: 120
Views: 17679

Chart showing what percentage needed to recover

I am seeking a chart I have read on the forum concerning the amount one needs to obtain to get back to original amount. The chart list each percent such as 5% , 10% etc and how much you have to gain to get back to original amount. I think Laura posted it. I have search forum but cant find it Thanks.
by antiqueman
Sun Mar 02, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chart showing what percentage needed to recover
Replies: 10
Views: 824

AA by Dolllar amount rather than percentage

I am seeking comments, good or bad, on the following thoughts: Assume that a person established a 30 year ladder of non inflation adjusted bonds that would pay "X" amount each year of the ladder rung. We will assume that the ladder for each year will satisfy the amount need to live on, oth...
by antiqueman
Sun Mar 02, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: AA by Dolllar amount rather than percentage
Replies: 3
Views: 367

Re: Should one in Retirement Rebalance

I am the OP. I should have made the question more clear. I am asking what the consensus is concerning whether a person who goes into retirement today with an allocation of 40/60 stock bond ratio ( or any other allocation below that) and stocks take a significant decrease ( 2008-2009 for example) sho...
by antiqueman
Tue Jan 21, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1257

Should one in Retirement Rebalance

Please provide your thoughts on whether a person in Retirement should rebalance from fixed income to equities. I have read a number of threads on that question but if there is a consensus I have missed it. I recall Larry S. saying that he does not recommend rebalancing in retirement. (Or at least th...
by antiqueman
Mon Jan 20, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1257

LMP--Mostly TIPS

After reading the various withdrawl methods on the forum and giving a lot of thought to each of them, it seems to me that Dr. Bernstein's suggestion of a liability matching portfolio is the best for me. Here is my present plan. Please provide your thoughts. I am 60 yoa. Lets assume I work until 65--...
by antiqueman
Mon Dec 23, 2013 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: LMP--Mostly TIPS
Replies: 7
Views: 604

Proper to have two medical cafeteria deductions

I work for two employers. With the new ACA I understand there is a $2500.00 limit on medical cafeteria deductions per year. Is this per person or per employer? If its per employer, then I can deduct 5k in a year not just $2500.00. My research indicates that if the two employers are true separate ent...
by antiqueman
Mon Dec 02, 2013 4:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Proper to have two medical cafeteria deductions
Replies: 0
Views: 149

Re: Bill Bernstein: "Take risk off the table"

I note many comments about a LMP for ones "basic needs". What is the definition for basic needs? Is it just food, utilities ,insurance and gas for one car a month? Does it include any "extras" or just what is needed to have basic life of three meals a day, basic health care, util...
by antiqueman
Fri Nov 29, 2013 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: "Take risk off the table"
Replies: 207
Views: 18398
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