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Re: Total bond index or 5 yr CD?

Like retiredjg I think who said earlier: I am lazy so I will buy the bond fund. I simply do not want to have to go every x # of years depending on how long the CDs are (5 in this one case) and find new CDs. Plus if you have more than whatever the government decides is the FDIC limit whenever the ti...
by CWRadio
Sun Sep 21, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 35
Views: 2390

Re: Are SPIA's fairly priced? - A quick and dirty analysis

As I said upthread, to make an informed decision about WHEN to purchase an annuity, one needs to know the cost of the product vs the value of mortality credits. As long as the overhead cost of an annuity is greater than the benefit received from mortality credits in a given year, it's better to wai...
by CWRadio
Sun Sep 21, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 65
Views: 2897

Re: Detroit Area Bogleheads - Master Thread

Enjoyed my first meeting of the Detroit Bogleheads. I had a question I did not ask to the people that are currently retired. Does anyone use Blue Cross Legacy Plan C for their Medicare gap / supplement insurance? If so, any news on what going to happen to the plan when the price freeze ends on Aug 2...
by CWRadio
Sat Sep 20, 2014 5:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 7
Views: 609

Re: The Annuity Puzzlement

I suspect you're right in suggesting that this kind of diy annuity is not likely to offer better returns, which is to be expected for the notably greater safety. But it could be a meaningful trade that some investors are willing to accept. And there are other trade offs favoring diy, like the abili...
by CWRadio
Thu Sep 18, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 91
Views: 5552

Re: Tour travelling by bus

Has anyone taken a Tauck tour to New Mexico? Thanks
by CWRadio
Tue Sep 16, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Tour travelling by bus
Replies: 36
Views: 1916

Re: The Annuity Puzzlement

I don't understand what changes so drastically in someone's risk profile that one day Just a wild guess: They no longer have a salary and need a reliable stream of income to live on. L. It missing the automatic pay check which a SPIA gives you and it makes my wife my comfortable if anything happens...
by CWRadio
Sat Sep 13, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 91
Views: 5552

Re: The Annuity Puzzlement

At what age should you buy a SPIA with the low interest rates we now have? Thanks
by CWRadio
Sat Sep 13, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: The Annuity Puzzlement
Replies: 91
Views: 5552

Re: New 2% cash back Mastercard from Citi

Pizzasteve510 wrote:Just got mine today. Nice look.

One gotcha to avoid - 3% foreign transaction fee. So not the best for world travel.

What credit card offers 2% back on all purchases and no foreign transaction fee besides the Fidelity American Express? Thanks
by CWRadio
Thu Sep 11, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 20205

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Note that Wellington and Moderate Growth have similar ERs (0.18% vs 0.16%) so it is unfair to say that Wellington's ER is high. Yep, you basically get the manager for free or maybe 9 or so basis points, if you compare to balanced index admiral. Some see having a fund manager as a negative. I just s...
by CWRadio
Sun Sep 07, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5384

Barclays Short Term International Treasury Bond

Yesterday the European Central Bank announced lowering of interest rates.
So why did the NAV of SPDR Barclays Capital Short Term Int ETF BWZ go down?
My general understanding if interest rates go down the NAV of the fund goes up.
Thanks Paul
by CWRadio
Fri Sep 05, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Barclays Short Term International Treasury Bond
Replies: 2
Views: 367

Re: Safe floor and Safe Withdrawal Rate

Thank you all for all the time and effect you put in to answering all the questions. Sundays Wall Street journal has an article called A Retirement Income Plan or How to Ensure Adequate Retirement Income by Jonathan Clements. http://online.wsj.com/articles/an-answer-to-the-retirement-income-puzzle-1...
by CWRadio
Sun Aug 31, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1424

Safe floor and Safe Withdrawal Rate

I am retired now and starting to take money out of my IRA to live on. Have no pension. I am confused about having a "safe floor" of investment for the necessary things in retirement, and using the Safe Withdrawal Rate for money in retirement. What is a safe floor? Is it only made up of SPI...
by CWRadio
Sat Aug 30, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Safe floor and Safe Withdrawal Rate
Replies: 19
Views: 1424

Re: Withdrawl from Target Retirement or Life Strategy Fund

So if the 5 years of cash is outside of the portfolio is that equal to having a "safe floor"? Thanks Paul That's more like a really big (probably too big) emergency fund. I say too big because there are probably more productive ways to put that money to use. A "safe floor" is (o...
by CWRadio
Fri Aug 29, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3656

Re: Withdrawl from Target Retirement or Life Strategy Fund

Thanks What about the statement to have 5 years in cash if you are in retirement so you don't touch your portfolio in a down market? Paul Where are you going to get the cash? In my book the cash is part of the portfolio, so if you spend it you have touched the portfolio. If you have cash and you do...
by CWRadio
Fri Aug 29, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3656

Re: Withdrawl from Target Retirement or Life Strategy Fund

bertilak Any other examples or ideas on liability-matched (or safe floor) portfolio besides annuities and bond ladders? Currently I have 3 years of cash (safe floor) and the rest of my retirement money in LifeStratery conservative growth. Not happy with my safe floor. Thanks You shouldn't be happy....
by CWRadio
Fri Aug 29, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3656

Re: Withdrawl from Target Retirement or Life Strategy Fund

bertilak
Any other examples or ideas on liability-matched (or safe floor) portfolio besides annuities and bond ladders?
Currently I have 3 years of cash (safe floor) and the rest of my retirement money in LifeStratery conservative growth. Not happy with my safe floor. Thanks
by CWRadio
Fri Aug 29, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3656

Hot water heater

I have an electric 40 gallon hot water heater that is only used when I need to fill my large Whirlpool tub. Like some Whirlpool tubs I only use it 1 time a year, so the water sits in the 40 gallon hot water heater not used for most of the year. It is also turnoff until I decide to take a bath (no el...
by CWRadio
Sun Aug 24, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 4
Views: 803

Re: Withdrawl from Target Retirement or Life Strategy Fund

If you do decide to use Target Retirement or Life Strategy fund as your one fund in retirement, do you take the money out weekly, monthly quarterly or yearly? What is the best strategy? Thanks
by CWRadio
Mon Aug 11, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3656

Re: The Risk of Short-term Bond Funds

Just a implementation question.
How is the dividend of a bond fund calculated?
Is the dividend of the bond fund calculated on the NAV of the fund or the total number of shares you have of the bond fund? Thanks
by CWRadio
Tue Jul 08, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11213

Re: [How do TIPS mutual funds work?]

Thanks Cruncher for your detail answer and spending all the time explaining your answers.
For my understanding, if I sold the TIPs mutual fund on 1/1/2015 what would I receive? Thanks Paul
by CWRadio
Sat Jun 28, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1261

Re: [How do TIPS mutual funds work?]

One additional question.
If inflation goes up 3% during the year and interest does not change does the NAV of the TIP mutual fund increase or decrease? paul
by CWRadio
Fri Jun 27, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1261

Re: TIPS mutual fund NAV

Sorry for the repeat post and the two answers. My brain stop working!
by CWRadio
Wed Jun 25, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS mutual fund NAV
Replies: 4
Views: 377

TIPS mutual fund NAV

What causes the NAV of a TIPS mutual fund to go to up or down? Thanks Paul
by CWRadio
Wed Jun 25, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS mutual fund NAV
Replies: 4
Views: 377

Re: Target date vs. Lifestrategy fund

Why does Target Retirement Income (VTINX) outperform LifeStratery Income (VASIX)?
Thanks Paul
by CWRadio
Tue Jun 24, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Target date vs. Lifestrategy fund
Replies: 12
Views: 2278

Some Peace of Mind

Any thinking about the Some Peace of Mind part of the article(Buying a Guaranteed Retirement Income, for Some Peace of Mind)?
Does Peace of Mind have a value?
Paul
by CWRadio
Sun Jun 08, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: interest rising in deferred-income annuities
Replies: 35
Views: 2458

Re: GE Capital Retail Bank 5-Year 2.3% CD

If you have to take RMD, how does that work for the GE Capital Retail Bank 5-Year 2.3% CD in a IRA account? Thanks Paul
by CWRadio
Mon Jun 02, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: GE Capital Retail Bank 5-Year 2.3% CD
Replies: 75
Views: 8229

Re: How diversified is the Larry Portfolio

Getting to the finish line Talking about getting to the finish line, the LP is designed to help you keeping most of what you have after crossing the finish line . After winning the game the investors' main goal should be on capital preservation and loss prevention, in this case the LP could be a go...
by CWRadio
Wed May 28, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: How diversified is the Larry Portfolio
Replies: 40
Views: 3528

Re: Are Single Premium Annuities a good deal?

...do you agree with Michael Kitces here: ...the majority of the benefits commonly attributed to partial annuitization are actually just the indirect result of a bucket strategy that produces a rising equity glidepath. While SPIAs do still provide superior results for very long-lived retirees, it t...
by CWRadio
Thu May 15, 2014 7:11 am
 
Forum: Investing - Theory, News & General
Topic: Are Single Premium Annuities a good deal?
Replies: 91
Views: 4358

Re: [How do TIPS mutual funds work?]

dbr thanks.
Is the daily change for the NAV of VTAPX cause by the daily change of the interest rate of the bond only?
Does the daily change in the inflation rate cause any change in the NAV or only added as dividends each quarter?
As you can see I am still a little confused! Paul
by CWRadio
Sat May 10, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1261

Re: Interest Rate 10 Year Treasury Note

Thank you all for sharing your insights and expanding my question. I have learned a lot from this discussion. Paul
by CWRadio
Sat May 10, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Interest Rate 10 Year Treasury Note
Replies: 29
Views: 2288

[How do TIPS mutual funds work?]

Please explain how TIPS mutual funds (VTAPX and DIPSX) work. The WiKi does a good job on the explanation of the note and bond. I understand TIPS are made up of two parts. Current inflation rate and a base interest rate. Both can change daily. Here are my questions: What happens to the NAV of the fun...
by CWRadio
Sat May 10, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: [How do TIPS mutual funds work?]
Replies: 12
Views: 1261

Interest Rate 10 Year Treasury Note

Can someone please explain why the interest rate on the 10 year Treasury Note (^TNX) increased from 2.59% to 2.63 in the course of 15 minutes today (Thursday May 8)? Thanks Paul
by CWRadio
Thu May 08, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Interest Rate 10 Year Treasury Note
Replies: 29
Views: 2288

Re: Annuities

Is there a chart or table that show the cross over point where the "Mortality credit" is more important then the current interest rate is for a IA?
Thanks Paul
by CWRadio
Sat Apr 12, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 7533

Re: Fund expense and profit

[/quote] Hopefully the understanding you got is that the performance numbers were net of all cost and income items to the funds. That means knowing the expense ratios wasn't needed to know how the year ended up for the two funds. You might want to know that there are items of fund expense and income...
by CWRadio
Fri Mar 28, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 737

Re: Fund expense and profit

Funds report performance net of fees. Investing is simple - just invest in the fund with the highest returns going forward. How to tell which fund is the will do better? Expenses are a very good predictor! BTW, The Schwab fund is lagging the Vanguard Fund by 0.4% YTD. Thank.. Did not realize the pe...
by CWRadio
Fri Mar 28, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 737

Fund expense and profit

I am trying to understand fund expense. If I have two funds. One is Vanguard Target Retirement 2010 Fund (VTENX) with a expense of .16% and 2013 performance of 8.42% The second fund is Schwab Target 2010 Fund (SWBRX) with an expense of .52% and a 2013 performance of 8.85%. If I put a million dollars...
by CWRadio
Fri Mar 28, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 737

Re: Sleeping With Bonds!!!!!

Bond funds may be fine for accumulation portfolios but they can be dangerous for those in the drawdown phase because bond funds will lose value as rates rise, while a bond ladder will still provide the desired income at the bond maturity dates no matter what happens with interest rates. That presen...
by CWRadio
Thu Feb 06, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 7603

Are Individual Bonds Right for You?

What is the current Boglehead thinking of the MORNINGSTAT video called:

Are Individual Bonds Right for You?
http://www.morningstar.com/cover/videoc ... ?id=633333

Paul
by CWRadio
Wed Feb 05, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Are Individual Bonds Right for You?
Replies: 57
Views: 3107

Re: No financial worry.

Taylor, I respect your opinions and would be interested to know how you changed your stock allocation as your retirement progressed since 1982. One thought-- you were lucky in that you retired at the start of the greatest 17 year bull market in history until the dot com meltdown. Devotee: We decide...
by CWRadio
Wed Jan 15, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3820

Re: The Anti-Target Date Retirement Strategy

During retirement, are you prepared to weather a 50% stock market drop? It will come someday, possibly soon and more than once. The allocation which allows you to do so, is what you need, if for no other reason than to maintain your sanity. Jim. Sheepdog, what portfolio will allow me to meet your r...
by CWRadio
Tue Jan 14, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Anti-Target Date Retirement Strategy
Replies: 48
Views: 3820

Re: Pay check in retirement from funds

Thank you all for sharing your "pay check" strategies. Dandy made the following statement: You know the common advice that if you will need the money in 5yrs or so not to put it at risk. So does this mean have 5 years of cash like funds, CDs, or short bonds ($40K a year X 5 years = $200K)...
by CWRadio
Sun Jan 12, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1597

Re: Pay check in retirement from funds

Thank you all for sharing your "pay check" strategies. Dandy made the following statement: You know the common advice that if you will need the money in 5yrs or so not to put it at risk. So does this mean have 5 years of cash like funds, CDs, or short bonds ($40K a year X 5 years = $200K) ...
by CWRadio
Sun Jan 12, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1597

Pay check in retirement from funds

Once your figured out your withdrawal method (constant-dollar, constant-percentage, etc) from your retirement portfolio how do you implement it? For example: If I need $40,000 from your portfolio a year, do I take the money out when I rebalance at the beginning of the year? Or, if I use a Target Dat...
by CWRadio
Sun Jan 12, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1597

Re: sleep number beds

I have a king size P5 Sleep Number bed purchase in May 2011.
How do I measure or read the actual pressure in each air chamber in my P5 King mattress? Thanks
by CWRadio
Wed Jan 08, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 22
Views: 2956

Re: Bonds - The Little Book of Common Sense Investing

billyt: sometimes a small calculation helps much more than a thousand of words. I am not sure if your phrase that when one's bond fund nav drops, he/she should be happy with the increased return makes sense to me, because I calculate my returns in comparison with my initial investment, and not curr...
by CWRadio
Thu Jan 02, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - The Little Book of Common Sense Investing
Replies: 51
Views: 4034

Re: expense ratio

I have two funds that invest in the same thing. Each fund made a 1% profit for the year. Fund A has a expense ratio of .50 and fund B has a expense ratio of .10. So fund B is the better fund and made more money for me. No load mutual funds typically report investment gains after all expenses. If th...
by CWRadio
Wed Jan 01, 2014 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: expense ratio
Replies: 13
Views: 990

expense ratio

I have two funds that invest in the same thing. Each fund made a 1% profit for the year. Fund A has a expense ratio of .50 and fund B has a expense ratio of .10. So fund B is the better fund and made more money for me. Now my question If Fund A profit for a year was 1.75% and Fund B profit for the y...
by CWRadio
Wed Jan 01, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: expense ratio
Replies: 13
Views: 990

Blind Spot detection

Has anyone added a after market Blind Spot detection to a 2011 Honda CR-V? Thanks
by CWRadio
Sun Dec 29, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Blind Spot detection
Replies: 10
Views: 1018

Re: Target Date Funds vary company to company

Can you please explain the science and logic why Fidelity Freedom 2010 FFFCX has 28 sub funds, T. Rowe Price Retirement 2010 TRRAX has 18 sub funds and Vanguard Target Retirement 2010 VTENX has only 5 sub funds? Thanks
by CWRadio
Thu Dec 26, 2013 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Target Date Funds vary company to company
Replies: 38
Views: 2766

Re: Target Date Funds vary company to company

i have this. i have had for over 10 years i like it very much. TRRBX-TRPRICE 2020 What's there not to like? :? http://portfolios.morningstar.com/fund/holdings?t=TRRBX&region=USA&culture=en-US T. Rowe Price New Income 18.08 T. Rowe Price Equity Index 500 17.07 T. Rowe Price Growth Stock 11.1...
by CWRadio
Tue Dec 24, 2013 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Target Date Funds vary company to company
Replies: 38
Views: 2766
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