Search found 258 matches

Return to advanced search

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 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: TIPS Auction 10 year bonds
Replies: 4
Views: 797

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 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 478
Views: 56211

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 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 478
Views: 56211

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 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4529

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 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Which Vanguard Short Treasury Fund
Replies: 38
Views: 3065

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 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Which Vanguard Short Treasury Fund
Replies: 38
Views: 3065

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 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 17
Views: 1708

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 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 49
Views: 2490

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 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4529

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 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4529

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 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should Risk Portfolio in LMP, be 100% equity
Replies: 20
Views: 1258

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 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should Risk Portfolio in LMP, be 100% equity
Replies: 20
Views: 1258

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 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Companies that issue inflation adjusted SPIA
Replies: 4
Views: 404

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 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4674

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 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Will you obtain same result if you use a Life Strategy Fund
Replies: 28
Views: 3473

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: 236

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: 803

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: 120
Views: 16614

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: 817

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: 359

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: 1248

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: 1248

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: 585

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: 137

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: 17965

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: 8805

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: 149

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: 6196

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: 527

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: 1648

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: 5585

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: 1268

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: 480

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: 480

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: 683

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: 2979

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: 1511

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: 13945

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: 4004

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: 2031

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: 3043

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: 3043

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: 236

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: 8102

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: 848

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: 344

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: 1834
Next

Return to advanced search