Search found 468 matches

by coachz
Sun Jul 26, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: estimate future real returns ?
Replies: 16
Views: 1282

Re: estimate future real returns ?

Thanks but i dont see where i pick the specific funds. Also 1% real return on 60/40 ? Really?
by coachz
Sun Jul 26, 2015 7:21 pm
Forum: Investing - Theory, News & General
Topic: estimate future real returns ?
Replies: 16
Views: 1282

estimate future real returns ?

Is there a way to estimate real returns for a 50/50 and 60/40 stock bond allocation using Total stock market index fund and Total bond market index fund for the next 10 years ?
by coachz
Wed Jul 22, 2015 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1576

Re: Auto Bucket Portfolio

The wiki on withdrawals may help: https://www.bogleheads.org/wiki/Withdrawal_methods See the alternative method where 7.5 years of withdrawals are kept in fixed income. You could also have a two-bucket solution. Place 20% in bucket one, invested in fixed income (Total Bond Index, CDs, Treasuries an...
by coachz
Tue Jul 21, 2015 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1576

Re: Auto Bucket Portfolio

Thanks for the replies. My goal is to find the simplest way for them to manage their retirement assets in a way that they can understand. These are people ripe for the annuity salesman pitch "you don't have to worry about a thing and you'll get a check every month". I don't want them to be...
by coachz
Mon Jul 20, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1576

Re: Auto Bucket Portfolio

bump please
by coachz
Mon Jul 20, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Auto Bucket Portfolio
Replies: 15
Views: 1576

Auto Bucket Portfolio

I have some coworkers in their late 60's about to retire and I was suggesting a Bucket Portfolio for them to look at. http://news.morningstar.com/articlenet/article.aspx?id=700173 I am wondering if there are any "income" funds that might be easier for them to use that would not require the...
by coachz
Wed Jun 17, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 8208

Re: Retirement areas, not Florida

Charleston: (1) Interesting urban life (2) Great walkability factor (3) Next to a beach (4) Four-season climate that is seldom extreme (5) Good hospitals I am in Atlanta and am considering Charleston as one of the candidates for retirement locale. Atlanta with its urban concrete sprawl is terrible ...
by coachz
Tue Jun 09, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: Junk Bond default rates
Replies: 13
Views: 1378

Re: Junk Bond default rates

great info here as always. Thanks ! :sharebeer
by coachz
Tue Jun 09, 2015 7:01 am
Forum: Investing - Theory, News & General
Topic: Junk Bond default rates
Replies: 13
Views: 1378

Junk Bond default rates

Does this 2.4% default rate mean the high yield (junk) bond investors lost all of their money?

http://www.pionline.com/article/2015012 ... 2014-at-24
by coachz
Mon Jun 08, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare before Medicare choices ?
Replies: 8
Views: 1297

Retiree Healthcare before Medicare choices ?

With reports saying double digit increases are coming for obamacare, what are alternative ways to get healtcare for retirees too young for medicare ?
by coachz
Wed Jun 03, 2015 6:46 am
Forum: Investing - Theory, News & General
Topic: News History
Replies: 0
Views: 263

News History

Is there a site that let's me scroll the news story history of a stock or fund ? Like in April 2012 what the news was on a stock ?
by coachz
Tue Jun 02, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3387

Re: No-line bifocals from Costco

I bought glasses that were too heavy from costco, gave me headaches. I went back to costco 2 weeks later and told them. They got me new glasses with different lenses. NO CHARGE. I'm buying all my glasses there.
by coachz
Sat May 30, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare. http://i.imgur.com/wumHJWI.jpg That's a really nice spreadsheet itemizing planned expenses, with the three low/medium/high spending options. Although your pets may differ in their opini...
by coachz
Fri May 29, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I actually made 3 budgets I call Silver, Gold & Platinum. Silver is raw, not even comcast, Gold is what we live now which is this $55,000, and Platinum allows $10k /yr for vacations. This way we can see how long we are willing to work for how much better lifestyle after. Don't know about the re...
by coachz
Fri May 29, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

Thanks for the great info. How did you get to $350k using 3% please ? I assumed you will need about $10'000/year from your savings once you and your wife get SS. I took a conservative "safe" withdrawal rate of 3%, (that should last you and your wife at least 30 years). So to cover your re...
by coachz
Fri May 29, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare. http://i.imgur.com/wumHJWI.jpg That's a really nice spreadsheet itemizing planned expenses, with the three low/medium/high spending options. Although your pets may differ in their opini...
by coachz
Fri May 29, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

So it seems to preserve capital with inflation TIPS are what is recommended. What is the next higher thing on the risk scale that will pay more ? CDs ? But they aren't inflation adjusted right ? It seems to me the money should still have some ability to earn a bit more than 0 plus inflation.
by coachz
Fri May 29, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

Why would anyone put their money in something that is expected to return 0% over the next 10 years ? Seems crazy to me but there must be a reason.
by coachz
Fri May 29, 2015 7:13 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I am not a retirement expert by any stretch, but if I understand your question right, you plan to live off your savings (currently 850k) for 11 years, drawing 55k/year, and then take SS and make up the difference (about 9.6k) with the rest of your portfolio during the remaining retirement. Without ...
by coachz
Fri May 29, 2015 6:51 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I am not a retirement expert by any stretch, but if I understand your question right, you plan to live off your savings (currently 850k) for 11 years, drawing 55k/year, and then take SS and make up the difference (about 9.6k) with the rest of your portfolio during the remaining retirement. Without ...
by coachz
Fri May 29, 2015 5:53 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

We are both burned out at our jobs and need a break and then some low stress part time work. I think that burn out is a huge problem for many, and doing something about it like taking a break and take time to regroup in your situation sounds like a good plan and you certainly have some financial fr...
by coachz
Fri May 29, 2015 5:52 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

sorry for my confusion. The house is paid for with no mortgage and is valued on zillow at $600k, I picked $500k for it's value to be conservative. And our next house will be < $400k so I was seeing over $100k windfall down the road from this. Regarding Healthcare.gov subsidies, I'm not sure about th...
by coachz
Thu May 28, 2015 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

Thanks for the very detailed information. We are both going to bring in more money down the road but just a faction ot what we make now. We are both burned out at our jobs and need a break and then some low stress part time work. The house will also clear another $100k minimum when we downsize and s...
by coachz
Thu May 28, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

Currently 60% in stocks and my wife is 58 years old. Since this calculator is based on historical returns I assume corrections are covered.
by coachz
Thu May 28, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I am not a retirement expert by any stretch, but if I understand your question right, you plan to live off your savings (currently 850k) for 11 years, drawing 55k/year, and then take SS and make up the difference (about 9.6k) with the rest of your portfolio during the remaining retirement. Without ...
by coachz
Thu May 28, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare.
http://i.imgur.com/wumHJWI.jpg
by coachz
Thu May 28, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

So, what do you think ? Do we have to go to work tomorrow or can we call it quits ? :shock:
by coachz
Thu May 28, 2015 10:27 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

I'm 55 and my wife is 58 though so if you look at the simulation it takes that into account spending my portfolio until my wife and I take SS at 66. Funds run too low to wait till 70 though we will likely do other things in retirement to make a small amount of money.
by coachz
Thu May 28, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

History may not repeat. I switched from an historical simulation to monte carlo. The success rate drops to almost 86%. Still looks like you are in good shape, especially if you are flexible in your spending. Also, does your $55k a year include any large expenditures like a new car or new roof every...
by coachz
Thu May 28, 2015 9:04 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

Re: What am I doing wrong ?

The portfolio is $850k plus social security as listed in the link and the expenses are $55,000 per year including paying any taxes. What additional detail is needed ? I have a written budget and it covers all of my needs. Is there anything obviously wrong with this calculator assuming my budget is c...
by coachz
Thu May 28, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 4373

What am I doing wrong ?

CFireSim.com says I'm 99% solid. What am I missing please ? I"m taking taxes into account in the budget. Thank you for any insights.

http://www.cfiresim.com/input.php?id=53871
Please click Run Simulation
by coachz
Thu May 14, 2015 6:04 am
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2632

Re: Free if you sign up (Home Depot card)

where can I find these >$300 offers ?
by coachz
Wed May 13, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10621

Re: I Hate Vacations

If I have money and time a vacation will never stress me.
by coachz
Wed May 13, 2015 7:01 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10621

Re: I Hate Vacations

Try having a job where sick time and vacation time are one called PTO. Then try being sick and using up all of it. Then have parents who are ill and the only time off you do have you need to go take care of them. I'm 55 and have had 5 vacations in my life usually about 1 week each. I feel your pain....
by coachz
Tue May 12, 2015 5:59 am
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1962

Re: Having a website

namecheap.com for cheap domain names
ramhost.us for cheap hosting 75 cents a month
or hawkhost for more features
by coachz
Thu May 07, 2015 7:37 am
Forum: Investing - Theory, News & General
Topic: Skybridge Salt Conference
Replies: 0
Views: 298

Skybridge Salt Conference

I found these video interesting from the ongoing conference.

https://www.google.com/search?q=skybrid ... 60&bih=889
by coachz
Wed Apr 29, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 3173

Re: Backyard patio - should I invest?

pavers with polymeric sand works great, Broom the sand in, sweep off the top, spray water to firm it up. Very easy and keeps weed out, it's also very easy to redo spots down the road.
by coachz
Mon Apr 27, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement with 401(k)'s and IRA's
Replies: 16
Views: 2135

Re: Early Retirement with 401(k)'s and IRA's

Also read up on traditional ira to roth conversions which from what I read is best when you are in a lower tax bracket. So maybe after you retire, convert some each year up to the top of your current tax bracket.
by coachz
Mon Apr 27, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2903

Re: Leaving our financial advisor over a period of months

My wife offers to help me leave all that time. :oops: Asking your advisor to help you leave is like asking your wife to help you leave... "Honey, I'll be filing for divorce in a few months. But first could you wash and iron my clothes? Oh, and I also need some pants shortened too. And could you...
by coachz
Mon Apr 27, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2903

Re: Leaving our financial advisor over a period of months

I think of a financial advisor like a waiter at a restaurant. They serve me. I would simply say to him/her thank you for the services and that you are moving your money and to do the following. Then list what you want him/her to do. There doesn't need to be any personality involved as it's just busi...
by coachz
Mon Apr 27, 2015 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 729

Re: Funds for stay the course 25 yr old

great advices, thanks guys
by coachz
Mon Apr 27, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 729

Re: Funds for stay the course 25 yr old

With such a long time horizon can't she do more growth type funds for even higher return or does the risk go up too much ? If you know that they are not going to flinch when the markets go down 50%, what funds would be a good simple mix to get going? If she won't flinch, I would do: 80% Vanguard Tot...
by coachz
Mon Apr 27, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 729

Re: Funds for stay the course 25 yr old

All of those seem too conservative for a 25 yr old that is not risk averse and has 30 yrs to get serious growth. I have a 25 yr old coworker who is interested in investing for the long haul. If you know that they are not going to flinch when the markets go down 50%, what funds would be a good simple...
by coachz
Mon Apr 27, 2015 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Funds for stay the course 25 yr old
Replies: 9
Views: 729

Funds for stay the course 25 yr old

I have a 25 yr old coworker who is interested in investing for the long haul. If you know that they are not going to flinch when the markets go down 50%, what funds would be a good simple mix to get going? I was thinking, rather than the three fund portfolio, since they have such a long time horizon...
by coachz
Fri Apr 24, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3463

Re: Is tax loss harvesting that powerful ?

You are saying this would be fine and allowed right ? I think there would be no question of a wash sale if you sold the total stock market and reinvested it in the S&P 500 immediately. A relative had been advised against buying one company's version of the S&P 500 and reinvesting in Vanguard...
by coachz
Fri Apr 24, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3463

Re: Is tax loss harvesting that powerful ?

Ok so where how is "Substantiality similar positions" defined. There has to be a definition somewhere. So, using stay the course, if the market drops 25% or more do you sell your holdings, and buy back something else that allows you to take advantage of tax loss harvesting ? Yes, if you us...
by coachz
Fri Apr 24, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting that powerful ?
Replies: 44
Views: 3463

Re: Is tax loss harvesting that powerful ?

I am a contrarian and basically like to cover all angles at all times. For me discussing this at an all time high is the perfect time to discuss it. :sharebeer

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