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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: 3932

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: 452

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: 452

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: 452

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: 7266

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: 2820

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: 3670

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: 3670

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: 1434

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: 1434

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: 1434

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: 2625

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: 3926

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: 954

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: 954

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: 966

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: 2520

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: 2520

Re: duration timing

That short does not drop is wrong. The short term investment grade fund has a 2.3 year duration and is currently distributing about 2.0% annualized. Interest rates go up 1% the fund does down 2.3% and it now pays 3%. Price recovery takes about 9.2 months.. (all figures approximate). Of course if in...
by CWRadio
Sat Dec 21, 2013 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: duration timing
Replies: 26
Views: 1532

Re: Today's Fed announcement

I have been waiting to see 3% on the 10 year before adding to my bond holdings and my guess is today's announcement means I will be adding to my bond holdings sooner than later. Do you plan on buying bond funds or bonds? Thanks Individual Bonds. That said I also use the Vanguard Total Bond fund. Bu...
by CWRadio
Thu Dec 19, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Today's Fed announcement
Replies: 15
Views: 1765

Re: Today's Fed announcement

StarbuxInvestor wrote:I have been waiting to see 3% on the 10 year before adding to my bond holdings and my guess is today's announcement means I will be adding to my bond holdings sooner than later.


Do you plan on buying bond funds or bonds? Thanks
by CWRadio
Thu Dec 19, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Today's Fed announcement
Replies: 15
Views: 1765

Today's Fed announcement

What does the Feds announcement mean to holders of the Vanguard total bond fund?
by CWRadio
Wed Dec 18, 2013 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Today's Fed announcement
Replies: 15
Views: 1765

Re: Bond index funds vs cash

For those of us that are in retirement and hold about 50% of their portfolio in bond funds, what do we do? Stay the course or do something else? Thanks Stay the course has merits but I don't believe it applies 100% of the time. Call me a heretic but there are time you need to make "tactical ad...
by CWRadio
Tue Dec 17, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond index funds vs cash
Replies: 49
Views: 4776

Re: Bond index funds vs cash

Bonds funds are most always riskier than cash as far as loss of principal. A bank CD has almost no principal risk vs a Bond fund. y. The problem with cash is that since there is almost no risk it doesn't pay much. That being said with today's historic low interest rates it seems to me that bond fun...
by CWRadio
Tue Dec 17, 2013 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond index funds vs cash
Replies: 49
Views: 4776

Re: Too many bond funds?

After talking to my advisor about my concerns he suggested a new DFA fund (November 5, 2013) called: DFA SHORT-DURATION REAL RETURN PORTFOLIO Ticker: DFAIX http://www.dfaus.com/portfolios/ Prospectus: http://www.dfaus.com/pdf/prospectuses/short_duration_real_return_port.pdf The Portfolio will invest...
by CWRadio
Tue Nov 26, 2013 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too many bond funds?
Replies: 32
Views: 2041

Re: Too many bond funds?

Thank you all for the time you spent answering my questions. I appreciate all your suggestions.
It is time for me to speak to my advisor!!
Paul
by CWRadio
Sat Nov 23, 2013 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Too many bond funds?
Replies: 32
Views: 2041

Too many bond funds?

My adviser portfolio is 50% bonds and 50% equities. My age 68 and wife is 65. My bond side has 8 funds that look like this: name, symbol, percent of total bond funds (100%) Vanguard Interm-Term Bond Index VIBSX 14.25% Vanguard Short-Term Investment-Grade Fund Admiral VFSUX 16.61% DFA Investment Grad...
by CWRadio
Fri Nov 22, 2013 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Too many bond funds?
Replies: 32
Views: 2041

Re: Concerned about losing principal in Total Bond Market Fu

This is a good article by Allan Roth on what happens to bond mutual funds when interest rates go up.

http://www.financial-planning.com/news/ ... gination=1

Paul
by CWRadio
Mon Nov 18, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Concerned about losing principal in Total Bond Market Fund
Replies: 92
Views: 8220

Re:Vanguard Total Bond Market annual return 2013-2017

If I purchased 1 share of Vanguard Total Bond market (VBMFX) today for $10.63 and the 5 year average annual return was 2%, what would the NAV be in 2017? Thanks
by CWRadio
Sun Nov 10, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Contest: Vanguard Total Bond Market annual return 2013-17?
Replies: 45
Views: 4044

Re: "Get out of bond funds"

Kevin,
Does it makes sense when you are in retirement to get out of multiple bond funds (NAV down 2.8%) now and buy CDs or stay with the bond funds? Thanks Paul
by CWRadio
Tue Nov 05, 2013 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 50
Views: 8346

Yahoo calendar on Nuxus

Has anyone been able to sync their Yahoo Calender on the Nexus 7 (Android)? Thanks Paul
by CWRadio
Fri Nov 01, 2013 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo calendar on Nuxus
Replies: 0
Views: 171

10 Year Treasury Note interest rate change today

Can someone please explain why the interest rate of the 10 year Treasury note was 2.47% before 2 pm and then after 2pm when up to 2.549%. I know the Federal Reserve released its latest policy directive at that time. Thanks Paul
by CWRadio
Wed Oct 30, 2013 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Year Treasury Note interest rate change today
Replies: 5
Views: 1079

Interest Rate 10-Year Treasury Note

Why is the interest rate on the 10 year Treasury Note dropping?

http://finance.yahoo.com/q?s=%5ETNX

Paul
by CWRadio
Wed Oct 23, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Interest Rate 10-Year Treasury Note
Replies: 6
Views: 575

Defined-maturity bond funds

What is the latest thinking on Defined-maturity bond funds?
Recent article by Charles Rotblut in AAII.

http://www.aaii.com/files/PDF/9038_defi ... omises.pdf

Paul
by CWRadio
Tue Oct 22, 2013 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Defined-maturity bond funds
Replies: 1
Views: 344

Re: Bond Funds - Higher Rates - Point of Indifference

Electron
Have you done any back testing of your chart?
Between 1953-1963, when interest rates were last this low, and 10 year bonds went from just under 3% to just over 4%.
Thanks
by CWRadio
Fri Sep 06, 2013 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Bond Funds - Higher Rates - Point of Indifference
Replies: 35
Views: 4059

Re: Bond Funds - Lower Rates - Impact on Total Return

Electron, is it possible to overlay your chart with 1% interest increase at the same three times and show us the results? Thanks
by CWRadio
Tue Aug 27, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Funds - Lower Rates - Impact on Total Return
Replies: 14
Views: 1361

Re: Dental Insurance

Dental insurance does function largely as a pre-payment plan, but given the cost of routine care it works out about the same, and when things do go wrong it gets you recognized as a human being in a dentist's office. Vic Can a dentist offer a lower price to his clientele if he has a contract with a...
by CWRadio
Sun Aug 18, 2013 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 31
Views: 2430

Re: Medigap or Advantage? Lots of info/Lots of questions.

Have anyone done any analysis on the other Medigap plans A - N? Thanks
by CWRadio
Thu Jul 18, 2013 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

Re: Medigap or Advantage? Lots of info/Lots of questions.

Does The Affordable Care Act provide protection for Medigap insurance?
If I have an Advantage plan now can I switch to a Medigap plan without medical underwriting if I have preexisting conditions under the Affordable Care Act? Thanks
by CWRadio
Wed Jul 17, 2013 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage? Lots of info/Lots of questions.
Replies: 119
Views: 5549

10 year Treasury Note

Can someone in the group please explain to me why the 10 year Treasury Note dropped today (7/11) to 2.5740? Previous day close was 2.68. Thanks
by CWRadio
Thu Jul 11, 2013 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: 10 year Treasury Note
Replies: 4
Views: 422

Re: When does Professional Guidance Pays Off?

Thanks Jim180 Answer to your question: I have both TIPS. DFA inflation TIPS DIPSX (about about 8%) and Vanguard VTIP (about 9%) 17% of fixed income. Thanks I think you may have a few things in your portfolio that are not in the benchmarks you mentioned. You may also be more heavily weighted in some ...
by CWRadio
Thu Jun 27, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does Professional Guidance Pay Off?
Replies: 11
Views: 1061

When does Professional Guidance Pay Off?

I have been with my adviser since December 2012. My portfolio is 40% equities (US, international, Global Real Estate and emerging market index funds) 56% fixed income( US, TIPS, and international) and the rest (4%)in commodity and gold mutual fund/ ETF (total of 14 Vanguard, ETFs and DFA funds). I g...
by CWRadio
Thu Jun 27, 2013 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does Professional Guidance Pay Off?
Replies: 11
Views: 1061

Ten-Year Treasury daily rate change

Just finished reading the Wiki on bonds and have a question.
Can someone please explain to me what factors causes the yield to change every day for the Ten-Year Treasury note? Thanks
by CWRadio
Thu Jun 13, 2013 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Ten-Year Treasury daily rate change
Replies: 3
Views: 505

Re: Premium for Brokerage CDs on Secondary Market?

I tried to build a 5 year (5 rungs) CD at Fidelity using their Bond ladder program. It did build a 5 year ladder only using New Issues CDs.
I was unable to build a 5 year CD ladder with the Fidelity program using CDs in the Secondary Market.
Any advice? Thanks
by CWRadio
Mon Jun 10, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Premium for Brokerage CDs on Secondary Market?
Replies: 31
Views: 1500

Re: Bond Fund Question

Thanks Johm and OGD. What I don't understand is that it looks like when the stock markets goes up the bond funds NAV goes down. So when the stock market goes up, does the interest rates on bonds also go up which causes the NAV on the bond fund to go down? Does that make sense? Thanks again Yes, tha...
by CWRadio
Sun Jun 02, 2013 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Fund Question
Replies: 42
Views: 2343

Re: Bond Fund Question

Being new to bond funds, can someone explain what are all the causes of the NAV of a bond fund (example: Total Bond Fund) to go up and down? Thanks This is not exactly what your asking, but a good place to start http://www.investopedia.com/university/bonds/bonds3.asp John Thanks Johm and OGD. What ...
by CWRadio
Sun Jun 02, 2013 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Fund Question
Replies: 42
Views: 2343

Re: Bond Fund Question

Being new to bond funds, can someone explain what are all the causes of the NAV of a bond fund (example: Total Bond Fund) to go up and down? Thanks
by CWRadio
Sun Jun 02, 2013 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Fund Question
Replies: 42
Views: 2343

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

Being new to Bond funds I am not sure what this means to my portfolio. Current duration of my Bond allocation is 4.6 years with a Weighted Average Yield-to-Maturity is about 1.38%.
Do we stay the course or shorten up on the duration to less the 2 year? Thanks
by CWRadio
Fri May 31, 2013 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Fed tigthening? What to do? How markets act
Replies: 41
Views: 2957

Re: Please review Portfolio and Advice

Thank you all for spending time reviewing my portfolio and giving me advice.
I am going to study the Target 2010 fund. Paul
by CWRadio
Tue May 28, 2013 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review Portfolio and Advice
Replies: 15
Views: 747

Re: Please review Portfolio and Advice

I understand that the Target funds and LifeStratery fund will have International Bonds as part of the portfolio sometime this year. One of the difference between Target funds and LifeStratery is that Target funds 2015, 2010 and Retirement Income have TIPs as part of the portfolio. Is it better to ha...
by CWRadio
Mon May 27, 2013 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review Portfolio and Advice
Replies: 15
Views: 747
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