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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 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Zero Coupon or CD's Nominal Bonds in Liability Matching Port
Replies: 3
Views: 186

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 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan -- the G Fund
Replies: 6
Views: 689

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 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Lifecycle Finance
Replies: 118
Views: 12124

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 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chart showing what percentage needed to recover
Replies: 10
Views: 754

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 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: AA by Dolllar amount rather than percentage
Replies: 3
Views: 339

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 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1188

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 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1188

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 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: LMP--Mostly TIPS
Replies: 7
Views: 551

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 5:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Proper to have two medical cafeteria deductions
Replies: 0
Views: 125

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
Sat Nov 30, 2013 12:19 am
 
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: "Take risk off the table"
Replies: 207
Views: 17033

Re: Retiring at 50

I have not retired and am 59. Do those of you who retired early mind telling the rest of us a range of the value of your portfolio or at least what percentage of your portfolio you are drawing down yearly? :happy
by antiqueman
Thu Nov 21, 2013 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Retiring at 50
Replies: 67
Views: 8185

House/Reverse Mortage AA

There are many questions on the forum about whether a person who owns their home should consider it as a bond or equity, or if not how to consider it in an AA. The consensus seems to be that because one can not rebalnce into it, it should not be considered in the AA and that perhaps it shouldnt be c...
by antiqueman
Sun Nov 17, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: House/Reverse Mortage AA
Replies: 1
Views: 139

Re: Flat Fee Advisor - Cardiff Park Advisors?

I have used John Gorlow and Cardiff Park Advisors for over 4 years. I used other FA over the years and believe John Gorlow has been the best for me. If one needs a FA, they should consider John and his company.
by antiqueman
Mon Sep 02, 2013 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Flat Fee Advisor - Cardiff Park Advisors?
Replies: 39
Views: 5322

Bond Rates Rise--Why not SPIA Payments

While interest rates have increased a lotin the past 2 months, I do not notice any increase in SPIA payouts than before the rise in bond rates. Why do you think there is no similar rise in SPIA payments. After all they are based on what interest rate the insurance company can receive.
by antiqueman
Thu Aug 22, 2013 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Rates Rise--Why not SPIA Payments
Replies: 7
Views: 508

Re: Car bought on Saturday - is it insured until Monday?

Most policies provide that an insured has 30 days coverage on a " newly acquired car". So whatever coverage you have on your other car(s) you have on the new one , for 30 days.
by antiqueman
Sun Aug 18, 2013 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car bought on Saturday - is it insured until Monday?
Replies: 24
Views: 1502

Re: So You're Going to Self Insure Long Term Care?

gerrym 51 noted that if one has over 1.5 million they do not need LTCI. I understand the comment made if one has less than 300k they don't need LTCI, but gerrym 51 what is the basis ( and source ) that those with over 1. 5 million do not need LTCI?
by antiqueman
Sat Aug 17, 2013 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: So You're Going to Self Insure Long Term Care?
Replies: 83
Views: 5030

Contributed to SS since 15 YOA [Years Of Age]

A post by another member prompted me to ask this question. I did not want to hijack his thread. In the other post there is a lot of discuss about your 35 highest years of paying into social security and if one had 35 years of ss contributions but didnt work until they actually started drawing social...
by antiqueman
Thu Aug 08, 2013 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contributed to SS since 15 YOA [Years Of Age]
Replies: 15
Views: 1254

Re: July 2013 New Issue 10 yr. Tips

Thanks # cruncher.
by antiqueman
Mon Jul 15, 2013 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: July 2013 New Issue 10 yr. Tips
Replies: 2
Views: 469

July 2013 New Issue 10 yr. Tips

I would appreciate the thoughts of other members on what the 10 year rate will be on the tips to be auctioned later this week. Do you think the coupon will reach 3/4 or higher? I don't think it will go above 3/4 of a percent.

Thanks.
by antiqueman
Sun Jul 14, 2013 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: July 2013 New Issue 10 yr. Tips
Replies: 2
Views: 469

Estimated Interest Rate G Gund July

Any experts on the G Fund out there? What is consensus on new G Fund rate starting July given backup in yields?
by antiqueman
Mon Jun 24, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Estimated Interest Rate G Gund July
Replies: 6
Views: 663

Re: Fed tigthening? What to do? How markets act

I thought I understood bond funds pretty well but after reading some of the post on this thread I wonder if I understand them like I thought I did. I have NO intermediate or long bond funds. All of my bond funds are Vanguard andhave a duration of about 2.5--2.7 years. I had assumned that the most hi...
by antiqueman
Sat Jun 01, 2013 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Fed tigthening? What to do? How markets act
Replies: 41
Views: 2957

When Equity Markets crash does divident yield decrease

This is a basic question but I have trouble totally understanding what happens in a given situation. Assume that one is able to presently live off ones dividends and other income such as SS / Pension. ( I dont ) ' If we assume a person has 100,000.00 dollars in stocks and the dividend/income paid ou...
by antiqueman
Sun May 12, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: When Equity Markets crash does divident yield decrease
Replies: 18
Views: 1282

Re: How much money do you need to retire at 40?

Bump on this thread. Would like udated comments on this thread. If you assume a person has 2 million investable assets at 6o years of age and wants to have a 30 equity/ 70 bond AA throughout retirement of 30 years, can they draw $ 75,000.00 a year, inflation adjusted? I can, and have, run Fircalc, b...
by antiqueman
Sat May 11, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How much money do you need to retire at 40?
Replies: 90
Views: 13270

Permissable transfer money from 401k direct to Roth IRA

Is it permissable within the IRS guidelines to transfer money on which taxes have not been paid direct from a 401 K to a Roth IRA. I have converted all of my TIRA to Roth but would like to transfer some of my 401k to Roth over a number of years. Do I have to transfer from IRA to a TIRA and then to t...
by antiqueman
Fri May 10, 2013 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Permissable transfer money from 401k direct to Roth IRA
Replies: 28
Views: 2103

How to Construct a "Larry Portfolio"

There are a number of posts on tilting to Small and Value- internationally and in US- and EM. The portfolio is AKA " A Larry Portfolio". I think the concept has merit for those who want to take less risk . My question is how to implement it, with Non DFA funds. What Vanguard Funds could be...
by antiqueman
Mon Apr 29, 2013 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Construct a "Larry Portfolio"
Replies: 5
Views: 1777

Re: Solution to Bond Worries?

I agree the real yield would be negative on 90 day bill ,but compared to what could happen if there is a quick spike in rates, accepting a small negative yield might be the better option.
by antiqueman
Wed Apr 10, 2013 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solution to Bond Worries?
Replies: 21
Views: 3013

Solution to Bond Worries?

There are several threads already in existence on the forum about Charles Ellis, Maikal, and others suggesting that perhaps one should re think their bond allocations. I think most of us on the forumhave had these thoughts for months. It is difficult to "stay the course" when one is concer...
by antiqueman
Wed Apr 10, 2013 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solution to Bond Worries?
Replies: 21
Views: 3013

Expenses to Lock Down with Annunity

I have read Bill Bersteins "Age of the Investor" and other articles about matching money to liablities each year. The risk with that is inflation. But all things will not neccesarily increase over a 20 or 30 year period or if they do at a slow pace. So I am considering matching only certai...
by antiqueman
Wed Apr 10, 2013 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Expenses to Lock Down with Annunity
Replies: 2
Views: 231

Is today a RBD [Really Bad Day]

Is today going to be a RBD in either international or U. S. stocks?
by antiqueman
Fri Apr 05, 2013 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Is today a RBD [Really Bad Day]
Replies: 83
Views: 7828

Minimum Stocks for 4% withdrawl

What is the minimum perecentage of stocks one should have to withdraw 4% inflation adjusted for 30 years. Is 30% stocks to low for 4% withdrawl for 30 years? I think I recall reading that the Trinity Study was 40% stock/60% bonds but I might be wrong. I would appreciate any comments. Thanks :happy
by antiqueman
Wed Apr 03, 2013 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Minimum Stocks for 4% withdrawl
Replies: 5
Views: 835

Need Help Social Security Question

I am trying to determine the best way for my wife and me to take Social Security. I am three years and 2 months older than my wife. I plan to wait until 70 to take my own social security benefits. I have a couple of questions. They are as follows: (1). I will be 65 and 2 months when my wife turns 62...
by antiqueman
Sun Mar 24, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Help Social Security Question
Replies: 3
Views: 321

Re: Investor vs. Admiral Share costs

For W2 earners, we can do the same if our employer allows After-Tax contributions. One of my previous employers did and many on the forum use this method along with In Service Rollovers of the After-Tax contributions to move large dollar amounts into Roth IRAs annually.[/quote] How is this done? If ...
by antiqueman
Wed Mar 20, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investor vs. Admiral Share costs
Replies: 14
Views: 1813

Re: What's your number? Why?

Rick, what assest allocation are you using when you state that a person retired at 65 should have 20 times expenses in addition to social security etc? Do you recommend 40 percent stocks / 60 bonds, 30 percent stocks/ 70 bonds? Higher or lower stock percentage? Thanks for all of your comments on the...
by antiqueman
Tue Mar 19, 2013 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21224

Re: What's your number? Why?

This question is to Rick Ferri. Rick I note your comment about (1) determining ones expenses in retirement (2) subtracting expected social security from the expenses and then multipling times 20. I thought "The Rule" was 30 times expenses. Why do you suggest the number of only 20 times. Ha...
by antiqueman
Fri Mar 08, 2013 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21224

Re: Please explain Vangaurd Short Term Tips

It is my understanding that inflation is approximately 1.6 percent.
by antiqueman
Fri Mar 01, 2013 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Please explain Vangaurd Short Term Tips
Replies: 4
Views: 406

Please explain Vangaurd Short Term Tips

I would appreciate comments explaining Vanguard Short Term Tips fund (its also an ETF) I checked this morning and the current price shows a negative yield of -2.20 but that does not include any inflation adjustment. Does this mean that if a person bought 100k at todays price, they are guaranteed to ...
by antiqueman
Fri Mar 01, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Please explain Vangaurd Short Term Tips
Replies: 4
Views: 406

Re: Insulating UNDER your subfloor

Thanks Billy.

I live in the South.Yes the under part of the house is enclosed with faux stone ( Not muc if any wind gets under house)

I do heat and cool with electric central heat and air.
by antiqueman
Thu Jan 31, 2013 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Insulating UNDER your subfloor
Replies: 3
Views: 855

Insulating UNDER your subfloor

I would appreciate advice from members about insulating Under my subfloor. I understand the positives of more insulation in the attic but wonder about any positive effect of insultating under the house. My house is on a conventional (piers) foundation. Piers are about 3 feet off ground. Is it advisa...
by antiqueman
Thu Jan 31, 2013 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Insulating UNDER your subfloor
Replies: 3
Views: 855

Advice on "extras" from brokers

Happy New Year to everyone! I would appreciate advice from those of you who use T. R. Price, Fidelity, Vanguard or anyother brokers concerning if any of them provide "extras" for having your investments with them. For the most part I have all of my investmetns at Schwab. I have cash at my ...
by antiqueman
Wed Jan 02, 2013 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on "extras" from brokers
Replies: 6
Views: 582

Re: Confused abour withdrawl of Roth Conversion

[quote="Default User BR"][quote="kaneohe"][quote="antiqueman"] If I understand this correctly, so long as I just withdraw the amount of the contributions I paid taxes on when I contributed the money to the traditional IRA I may withdraw those without tax or penalty once...
by antiqueman
Sun Aug 19, 2012 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Confused about withdrawl of Roth Conversion
Replies: 13
Views: 1289

Re: Confused abour withdrawl of Roth Conversion

[quote="sscritic"]Oops. I didn't read far enough: [quote]Exceptions. You may not have to pay the 10% additional tax in the following situations. You have reached age 59½.[/quote][/quote] If I understand this correctly, so long as I just withdraw the amount of the contributions I paid taxes...
by antiqueman
Sun Aug 19, 2012 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Confused about withdrawl of Roth Conversion
Replies: 13
Views: 1289

Confused about withdrawl of Roth Conversion

I am 58 yoa. If I convert a tradational ira to a Roth this year do I have to wait five years from this year to withdraw the contributions or can I withdraw the contributions when I am 59 1/2 without penalty. Or to put it another way, do I have to wait until the year I am 63 ( five years from convers...
by antiqueman
Sat Aug 18, 2012 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Confused about withdrawl of Roth Conversion
Replies: 13
Views: 1289

Implementing Swedroe Like Portfolio

If one wished to establish a portfolio similar to the one L. Swedroe discusses tilting to small value how do you determine what percentage of small value to hold? If one is using 50% equities, what percent of small cap value would one need to utilize to hopefully return the same ( or more) than 50 %...
by antiqueman
Wed Aug 15, 2012 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Implementing Swedroe Like Portfolio
Replies: 4
Views: 927

Re: When does it pay to delay Social Security?

Bobk and SSCRITIC: How does the primary earner apply for spouse benefit. Does the "non primary" spouse have to be at his or her FRA for the primary earner to receive a spousal benefit?
by antiqueman
Wed Aug 08, 2012 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: When does it pay to delay Social Security?
Replies: 98
Views: 6193

Re: Vanguard Life Stragety Mod. Growth/ Ind Tips

Bumping this thread. Only Nisi responded before. I appreciate his comments but would like additional thoughts on issue.



Thanks
by antiqueman
Sun Aug 05, 2012 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Stragety Mod. Growth/ Ind Tips
Replies: 2
Views: 706

Bobs financial website

Does anyone know what has happened to Bob and Bobs Financial Website.


I have tried to access Bobs Financial Website for about 3 week but it is not available. It dosent even appear to exist anymore.


Does anyone know if Bob has quit posting and why we cant access his great site?
by antiqueman
Mon Jul 16, 2012 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Bobs financial website
Replies: 7
Views: 2583

Re: TSP G Fund: YTD yield 0.79%

At the present I have 100% of my TSP in the G Fund. G fund makes up about 50 percent of fixed income and 30 percent of total investments. I note that the F fund is yielding almost ( not quite) 1% more than G Fund. I have considered moving a substantial amount of G fund to F fund but am worried about...
by antiqueman
Sun Jul 08, 2012 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: TSP G Fund: YTD yield 0.79%
Replies: 38
Views: 4822

Re: Allan Roth: Putting the investor first.

Taylor, as always thank you for your the information. In reading Mr. Roths article, he says that Dr. Bernstein contends that when one reachs 20 to 25 times their needs, after Social Security, that they have "won the game" and should take risk off the table. I thought the general consensus ...
by antiqueman
Mon Jul 02, 2012 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Allan Roth: Putting the investor first.
Replies: 21
Views: 2285

1 year libor

I have an ARM coming due in March of 2013. My mortage will adjusted based on the one year libor as of Jan. 15, 2013. I suppose that means its calculated from January 15, 2012 through January 15, 2013. I know I can only get an estimate now because we arent in Jan. 2013, but does anyone know where I c...
by antiqueman
Wed Jun 20, 2012 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 year libor
Replies: 3
Views: 604
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