Search found 185 matches

by CWRadio
Wed Jul 29, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Shopping for lowest price of a SPIA
Replies: 2
Views: 220

Shopping for lowest price of a SPIA

About to buy a Joint Life Income (100% to the Survivor) SPIA. I am 70 and my wife is 68. I am looking for the lowest price with the best credit rating of the insurance company. I checked Fidelity, Vanguard and immediateannuities.com. Integrity Life SPIA ranges from $500 to $518 a month for $100,000 ...
by CWRadio
Thu Jul 23, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buying SPIA
Replies: 3
Views: 440

Buying SPIA

I am planning to buy a joint and survival SPIA for $200,000. I am 70 and my wife is 68. My current portfolio is a IRA worth about 1 million dollars with a 45% allocation in equities funds (32% US 13% foreign) and 55% in bond funds ( 10% short term bond fund). My questions: From which funds do I take...
by CWRadio
Sun Jul 05, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 675
Views: 422394

Re: Spreadsheet for backtesting (includes TrevH's data)

I also would like to see your backtesing spreadsheet. Paul
by CWRadio
Fri Jul 03, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6299

Re: Risks of RMD Withdrawal From A Single Fund IRA

If stocks are down, selling a TR fund doesn't necessarily mean that you're selling stocks. You're selling shares of the VTENX fund at NAV. That NAV represents the value of the stocks and bonds in the fund. If you had a portfolio of separate funds and stocks are down, your asset allocation plan woul...
by CWRadio
Fri Jul 03, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 1678

Re: Which Funds to Take RMD From

Thank you all for your comments, remarks and calculations. What started me on this journey was an article from Christine Benz called: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill It can be found at: http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceI...
by CWRadio
Thu Jul 02, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 1678

Which Funds to Take RMD From

I currently have the following $1,000,000 IRA three fund portfolio: VFSUX Vanguard Short-Term Bond Admiral Shares 35% $350,000 VTSAX Vanguard Total Stock Market Admiral Shares 45% $450,000 VFWAX Vanguard FTSE All-World ex-US Index Admiral 20% $200,000 The original portfolio allocation was 50% bond 3...
by CWRadio
Thu Jul 02, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6299

Re: Risks of RMD Withdrawal From A Single Fund IRA

I found this article in MorningStart that talk about our concerns of withdrawal in a all in one fund: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&src=Morningstar&date=01-30-2014&...
by CWRadio
Sun Jun 21, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisor for people in retirement
Replies: 8
Views: 1554

Robo Advisor for people in retirement

What is the current thinking about using a Robo Advisor in retirement. The Robo Advisors needs to do RMD, monthly paychecks to checking account and re-balancing. I am interested in simplicity. I currently have VSCGX, Vanguard LifeStrategy Conservative fund (4 fund portfolio). Will a Robo Advisor do ...
by CWRadio
Thu Jun 18, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: SPDR Gold Trust (GLD)
Replies: 14
Views: 1448

SPDR Gold Trust (GLD)

Why is SPDR Gold Trust (GLD) up 1.20% today (Thur 10:45am)?
I am trying to understand how gold works. Thanks Paul
by CWRadio
Wed Jun 10, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Substituting Income Annuities For Bond Funds in Retirement
Replies: 27
Views: 2789

Re: A Benefit of Life-Income Annuities

CWRadio: We purchased two Single Premium Immediate Annuities (SPIAs) in our early 80s. This allowed us to give our three children their inheritance before we die because we no longer worry about bear markets or running out of money. Our children are very grateful. Note: A SPIA provides the highest ...
by CWRadio
Tue Jun 09, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Substituting Income Annuities For Bond Funds in Retirement
Replies: 27
Views: 2789

Substituting Income Annuities For Bond Funds in Retirement

Any comments on Dr Wade Pfau article: Substituting Income Annuities For Bond Funds in Retirement? I am interest on what others think of this strategy. Thanks Paul http://retirementresearcher.com/substituting-income-annuities-for-bond-funds-in-retirement/ Excerpt from an article http://www.fa-mag.com...
by CWRadio
Tue May 26, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5341

Re: Medicare supplemental insurance

Has there been an discussion on how insurance companies set prices for Medigap policies?
Example: Community rated, Issue age rated and Attained age rated pricing.
How do you use the different pricing models in your decision to purchase a police? Thanks
by CWRadio
Fri May 15, 2015 6:41 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 9165

Re: Best Asset Allocation if you've "won the game"

I really like the vanguard target retirement income fund. The nice thing about having it all in one fund is that you don't see the individual pieces moving which is easier on your psychology. If you want go the extra mile something like 90% vanguard retirement income and 10% gold is a pretty bullet...
by CWRadio
Thu May 14, 2015 8:11 am
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 3626

Re: How much in cash?

One thing I do wish to point out, as it seems to me to be another manifestation of a national trend toward risk-seeking. Up until about 15 years ago, it would have been conventional wisdom that any retirement or investment portfolio ought to include three major assets: stocks, bonds, and "shor...
by CWRadio
Thu May 14, 2015 7:12 am
Forum: Investing - Theory, News & General
Topic: Your Safety Net
Replies: 31
Views: 4165

Your Safety Net

In Jonathan Celements new book "Money Guide 2015" on page 21 (section 29) he talks about your safety net in retirement. Jonathan states, "to avoid the nightmare scenario, which many retires faced in 2008 and 2009, try dividing your portfolio in two parts." He suggests "consi...
by CWRadio
Fri May 08, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan
Replies: 3
Views: 475

Medicare Supplement Plan

With all things being equal is better to buy a Medicare Supplement Plan with Issue age rated or Attained age rated pricing?
Are there other things to look at besides type of pricing? Example credit rating, etc.
Thanks
by CWRadio
Tue May 05, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: CD ladder at Ally - multiple durations or just one
Replies: 20
Views: 2758

Re: CD ladder at Ally - multiple durations or just one

If the CDs are in a IRA CD account can you remove RMD without any penalty? Thanks
by CWRadio
Tue May 05, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Carpet cleaning
Replies: 3
Views: 528

Carpet cleaning

Why does the same areas of carpet always get dirty a few month after professorial cleaning and Scotchgarding?
The carpet is 8 years old Berber, we were slippers in the house, no pets and no children, we are retired. Thanks..
by CWRadio
Sun May 03, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wellseley VWINX - for a conservative investor mid 30s.
Replies: 16
Views: 2082

Re: Wellseley VWINX - for a conservative investor mid 30s.

Do you think the average duration of 6.2 years could be a problem with this fund if interest rate start to move up? Thanks
by CWRadio
Sat May 02, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: VTIP fluctuation
Replies: 2
Views: 515

Re: VTIP fluctuation

Thanks #Cruncher .
I think I finally understand how TIP ETF work.
by CWRadio
Sat May 02, 2015 5:52 am
Forum: Investing - Theory, News & General
Topic: VTIP fluctuation
Replies: 2
Views: 515

VTIP fluctuation

What causes the NAV of VTIP (Vanguard Short-Term Inflation-Protected Securities ETF) to fluctuate?
Example, if inflation goes up 1% does the NAV of VTIP go down or up? If interest rate go up will the NAV go down or up? Thanks
by CWRadio
Sat May 02, 2015 5:46 am
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 2
Views: 586

Re: Medicaid compliant SPIA

Thanks skepticalobserver for your reply.
Nolo Law's had the answer for me. Paul
by CWRadio
Fri Apr 24, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 2
Views: 586

Medicaid compliant SPIA

What is a Medicaid compliant SPIA?
What are the differences between a Medicaid compliant SPIA and a non Medicaid compliant SPIA? Thanks
by CWRadio
Thu Apr 23, 2015 8:42 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49354

Re: Schwab Intelligent Portfolios [now live]

tj wrote:Its interesting that only 20% of the accounts are new clients. That means they are heavily marketing it to their existing clients.

What percent are in retirement and taking money out of the portfolio?
by CWRadio
Sun Apr 19, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 3082

Re: Overinflating Tires

Any advice on a good tire pressure gauge?
by CWRadio
Sun Apr 19, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49354

Re: Schwab Intelligent Portfolios [now live]

How does the performance compare of US large" vs. US large - Fundamental?
by CWRadio
Sat Apr 18, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49354

Re: Schwab Intelligent Portfolios [now live]

Been following the posts about SIP. I have a question I posted but unable to get a good answer. I am retired ( age 70) and plan on opening a conservative SIP account. I would like to set up the SIP account to pay me a monthly pay check of $2500. How does Schwab do this? Do they re balance each month...
by CWRadio
Mon Apr 13, 2015 7:31 am
Forum: Investing - Theory, News & General
Topic: My expanded interview w/ Barry Ritholtz of Bloomberg Radio
Replies: 10
Views: 2079

Re: My expanded interview w/ Barry Ritholtz of Bloomberg Rad

Rick enjoyed your podcast on Bloomberg Radio.
Can you share your thinking about your up coming robo adviser products as it pertains to someone that is in retirement and taking money out of a robo portfolio. Thanks
by CWRadio
Thu Mar 19, 2015 10:36 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 399
Views: 49354

Re: Schwab Intelligent Portfolios [now live]

I am retired and want income for expenses from my SIP.
Will the SIP generate a monthly paycheck and put the money into my checking account? Thanks
by CWRadio
Mon Feb 23, 2015 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: What are the Admiral shares? [Portfolio help]
Replies: 50
Views: 4097

Re: What are the Admiral shares?

Can you please explain why the NAV of Wellesley income fund is different for Admiral shares ($62.59) as compared to Investor shares ($25.83)? Thanks Paul
by CWRadio
Sun Feb 22, 2015 1:30 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5791

Re: Shouldn't bond fund holders celebrate if rates go up?

Thanks ogd and music_man.
I get it now. Paul
by CWRadio
Sun Feb 22, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5791

Re: Shouldn't bond fund holders celebrate if rates go up?

I need addition clarification. If I purchase a bond fund with a duration of 5 year (current interest rate of 2%) and the NAV of the bond fund is $10. If interest rates go up 2% and I never reinvest the interest from the bond fund ( I take it out) will the NAV ever recover to my purchase price of $10...
by CWRadio
Tue Feb 17, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 38
Views: 3676

Re: Dental Insurance?

Can a dentist that has a contract with MetLife or Delta legally offer a lower price to a cash customer? Thanks
by CWRadio
Thu Jan 22, 2015 7:45 pm
Forum: Investing - Theory, News & General
Topic: International Bond funds
Replies: 1
Views: 435

International Bond funds

How will the recent announcement of the European Central Bank launching a landmark bond-buying program effect the International Bond market mutual funds? Does this cause the fund to increase or decrease in NAV? Thanks Paul
by CWRadio
Tue Jan 20, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 67
Views: 5012

Re: “How Does Aging Affect Financial Decision Making?”

Another good book on the subject is:
What to Do When I Get Stupid by Lewis Mandell. http://lewismandell.com/
by CWRadio
Sat Jan 17, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington: How do I figure out the after tax return?
Replies: 13
Views: 800

Re: Wellington: How do I figure out the after tax return?

How do you find out the return after taxes if you are in a lower tax bracket (15%)? Thanks
by CWRadio
Thu Jan 15, 2015 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 5729

Re: Wellington Fund as primary retirement investment

You might enjoy what Paul Merriman talks about in this podcast:
My favorite Vanguard balanced fund. Paul compares 5 Vanguard balanced funds.
http://paulmerriman.com/favorite-vanguard-balanced-fund/
by CWRadio
Thu Jan 15, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: SPIA survivor payout
Replies: 4
Views: 568

SPIA survivor payout

What are the pros and cons of purchasing a joint SPIA 100% payout with a 70% payout to the survivor as compare to 70% payout if either of the joint annuitants die. Example for case one: If my wife and I get $1000 a mouth and I die my wife gets $700 a mouth. If my wife dies I still get $1000 a mouth....
by CWRadio
Sun Jan 04, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 10608

Re: Paul Merriman takes John Bogles $5.00 Bet!

Paul,I have listened to every podcast you have produced and bought and read almost every book you have written. I use a similar but simpler approach to the ultimate buy and hold strategy. I always gain something useful. Your delivery is concise and at a rate that can be easily absorbed by anyone. I...
by CWRadio
Thu Dec 25, 2014 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on annuities?
Replies: 63
Views: 5270

Re: Feedback on annuities?

I am also ready to buy a SPIA. I am 70 and my wife is 67. A SPIA for joint life only for $1200 a month cost $242,424. (all quotes are from http://www.immediateannuities.com ) My question: A SPIA for joint life with 10 year certain for $1200 a month cost $242,914. Just addition $490 A SPIA for joint ...
by CWRadio
Tue Dec 09, 2014 8:24 am
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 10140

Re: How to Think About Risk in Retirement - Bernstein

Hi All: There is no one fund that will execute a reverse glide path strategy, but you can do it with 2: a bond index fund and a stock index fund. The former is for you, and should be spent down. Don't touch the stock fund, if you can avoid it; it's for your heirs and charities, tho it's OK to sneak...
by CWRadio
Mon Dec 08, 2014 9:07 am
Forum: Investing - Theory, News & General
Topic: How to Think About Risk in Retirement - Bernstein
Replies: 64
Views: 10140

Re: How to Think About Risk in Retirement - Bernstein

Is there a fund or a set of funds that implement Dr Bernstein strategy for a person that is in retirement? Thanks
by CWRadio
Tue Dec 02, 2014 10:23 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6769

Re: Ken Fisher - Why I hate annuities

nisiprius are what age did you purchase your two SPIAs? Thanks Paul
by CWRadio
Thu Oct 30, 2014 7:47 am
Forum: Investing - Theory, News & General
Topic: My favorite Vanguard balanced fund
Replies: 20
Views: 4518

My favorite Vanguard balanced fund

Any comments on Paul Merrimen latest podcast http://paulmerriman.com/podcasts/ on My favorite Vanguard balanced fund?
by CWRadio
Sat Oct 18, 2014 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 12283

Re: Medigap Plan G vs Plan F?

Another place to check rates:
CSG Actuarial's

https://csgactuarial.com/demo/

Paul
by CWRadio
Fri Oct 17, 2014 8:57 pm
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1321

Re: Email on specific words

hand wrote:Not sure if this site provides the requested functionality, but you could accomplish something similar by setting up a Google Alert for "LifeStrategy" site:bogleheads.org.


Thanks. I will set it up in Google Alerts
by CWRadio
Fri Oct 17, 2014 7:57 am
Forum: Forum Issues and Administration
Topic: Email on specific words
Replies: 3
Views: 1321

Email on specific words

Is there a way to get an email, if someone post a question that has a specific word in it?
Example: If someone post a question about Vanguards LifeStratery Funds I would like to get a email about the post. If I am interested in the post I could them subscribe to it.
Thanks Paul
by CWRadio
Wed Oct 15, 2014 8:46 am
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 1243

Re: How TIPS work

Thanks Bubbagump and PJW. I think I now get it. Paul
by CWRadio
Tue Oct 14, 2014 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How TIPS work
Replies: 10
Views: 1243

Re: How TIPS work

Can you please explain what causes the NAV of Vanguard Short-Term Inflation-Protected Securities ETF (VTIP) and DFA Inflation-Protected Securities (DIPSX) to change each day. I have asked this question a few times but still have a problem understanding. Thanks Paul

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