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Re: 100% Stock Thread Collection

grap0013 wrote:
I'm gonna keep going 100% for 6 or 7 more years just to prove it can be done even with high account balances.


That strikes me as a very odd reason to be 100% equities.
by feh
Tue Sep 02, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 50
Views: 2889

Re: short term investment as of today...

After 17 votes, the CD is leading the way...

I already have a penfed account; are they still the place to go for CDs? Anybody know if they'll bump up rates at the end of the year, as they did last year?

Thanks.
by feh
Sun Aug 31, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 547

short term investment as of today...

Let's say you had some cash that you'll need in 4-5 years. As of today, which option is the most attractive?

Assume I Bonds are not an option, because the purchase limit has been reached for the year. Marginal tax rate in 28-33% range.
by feh
Sun Aug 31, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 547

Re: What are you up YTD?

70/30

6.25%
by feh
Wed Aug 27, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6316

Re: AA of 60/40 for your Lifetime?

I was at 100% equities until retirement-7 years. I should have started becoming more conservative sooner, but I can't criticize 100% equities for somebody under 35 (assuming they don't panic sell). Anyway, currently at 70/30 at T-2 years, working my way down to 60/40, and I anticipate staying there ...
by feh
Wed Aug 27, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2309

Re: International allocation

33% of equities.
by feh
Mon Aug 25, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 73
Views: 4132

Re: How does the impending rate increase affect...

After the 'taper tantrum' of 2012 US government bond yields rose by quite a lot from c. 1.6% on US 10 year treasury to 2.6% (I believe). This was with the Fed holding interest rates where they have been for the last 5 years. So in some sense future interest rate moves are already in the price. Just...
by feh
Fri Aug 22, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: How does the impending rate increase affect...
Replies: 5
Views: 584

Re: Implied future real interest rates

richard wrote:Many expected rates, especially long rates, to increase as QE slowed, but this hasn't happened.


Some would say it did happen, in one fell swoop, in the summer of 2013.
by feh
Wed Aug 20, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Implied future real interest rates
Replies: 7
Views: 864

Re: Understanding implications of Shiller CAPE on retirement

Cody wrote:
Sometime back I also read Otars "Unravelling the Myth of Retirement" where he states something like - the best time to retire is when the PE ratio is at about 12 or less. Currently it is at 25.54.


The values of 2 different metrics are being compared here.
by feh
Wed Aug 20, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2375

Re: How much do you plan to save in your 529 plan?

Spouse and I decided to provide 3-4 years of the total cost at a very good in-state public school. If he goes somewhere less expensive, that amount could easily pay for 5 years. If he goes somewhere pricey, he'll need to come up with the difference. Our rationale is that we want to help him, but don...
by feh
Mon Aug 18, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 6805

Re: Spouse not ready to cut ties with financial advisers

Haven't read the entire thread; too long. Sorry if this has already been suggested:

Could you get your husband to read one of the recommended books on the wiki? The basics of investing are not difficult.

Needlessly handing $30+K over to people every year is a sad state of affairs...
by feh
Mon Aug 18, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8742

Re: [Poll] How I Feel When I Think about Investing, etc.

I wouldn't say it relaxes me, but I enjoy managing our portfolio and find the world of economics/investing interesting.
by feh
Wed Aug 13, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2366

Re: Instead of a CD Ladder

Given the very current interest rate enviroment,I just would put it in an Online Savings account ( 0.90 % Barclays or 0.84 % Ally) for the time being. FWIW, 1% on $10k is only $100. And that's likely taxable. Most likely it's a lot of work for far less than a 1% difference from online savings accou...
by feh
Wed Aug 13, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Instead of a CD Ladder
Replies: 26
Views: 4418

Re: Convince me I can make a dumb (car-related) purchase

Can you afford it? Yes. Do I think you should spend so much on a vehicle? No.
by feh
Wed Aug 13, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4251

Re: POLL: My home is worth less/more in 2014 than in 2007?

Depends no which online estimator I use; of the 2 most popular, one shows an increase, the other a decrease.
by feh
Tue Aug 12, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5739

Re: Portfolio Tracker suggestion?

jeff1949 wrote:I use the Portfolio Manager at Morningstar:


https://members.morningstar.com/Registe ... erid=A3539


+1
by feh
Tue Aug 12, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Portfolio Tracker suggestion?
Replies: 24
Views: 1572

Re: Most Hated Brokerage Firm? [or one that you love]

20 years ago my 403B was through IDS (presently known as Ameriprise). They were just as horrible then as they are now.

Over the last 10 years I've spent most of my time w/ TDAmeritrade and Fidelity and have been happy with both.
by feh
Tue Aug 12, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7371

Re: Can you actually buy VG funds through Fidelty?? (odd err

longview wrote:
livesoft wrote:Uh-oh, I own FSGDX.


Heh. Actually the lines look near-identical. ;) It's just that whole "no small caps" thing. Wish fidelity had a good small-caps international to go along with FSGDX.


I use VSS/SCZ. I'm a tilter, so the lack of small caps in FSGDX is not an issue for me.
by feh
Fri Aug 08, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you actually buy VG funds through Fidelty?? (odd error)
Replies: 15
Views: 966

Re: Can you actually buy VG funds through Fidelty?? (odd err

livesoft wrote:Uh-oh, I own FSGDX.


Me too. :D
by feh
Fri Aug 08, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you actually buy VG funds through Fidelty?? (odd error)
Replies: 15
Views: 966

Re: Can you actually buy VG funds through Fidelty?? (odd err

I have bought the VSS EFT from vanguard through Fidelity for a nominal fee ($9 maybe?). If you are at a point where you want to buy Vanguard admiral funds consider either opening a separate Vanguard account... +1 Last year I started investing in VMLTX, although Fidelity holds 90% of my portfolio. I...
by feh
Fri Aug 08, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you actually buy VG funds through Fidelty?? (odd error)
Replies: 15
Views: 966

Re: What do you think?

It's simple...like a life insurance exam they are rating participants by health rating...if you choose to submit to underwriting you'll be thrown in the general risk category meaning the HDHP plan with higher out of pocket costs is the plan for you. I imagine this is the situation. In concept, I do...
by feh
Wed Aug 06, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1774

Re: Risk Averse Start

Perhaps now is time to revisit the "Getting Started" link previously posted. Right? I can't believe it took nearly 3 days bouncing around on the phone to even find this out. Here's another suggestion to start on the "Getting Started" page. Basic investing is not difficult. For t...
by feh
Wed Aug 06, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Averse Start
Replies: 28
Views: 2043

Re: Misleading information on tax loss harvesting wiki artic

sscritic wrote:Arranging your affairs to pay the minimum tax is one thing, being a tax cheat is another.


+1

I wish there was more funding for tracking such people down.
by feh
Thu Jul 31, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1475

Re: Which is King: Income Stream or $ Invested

Interesting question...I spent my entire working career watching total portfolio value, never really giving much thought to income streams. I'm a couple years away from retirement, and now am starting to appreciate dividends and a semi-regular payment I receive from an LLC. I'd still lean toward tot...
by feh
Wed Jul 30, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 52
Views: 4584

Re: Selling House - Do We Need a Listing Broker?

Three percent of the value of a home for driving me around to look at houses from a list, which I provide, from looking on the internet. Makes no sense. It may have woked in the 1950's , but not today. It would make no sense if that is the only thing they do. The rubber doesn't really meet the road...
by feh
Mon Jul 28, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2788

Re: Here's another "where should I retire" thread

I haven't been to the rural NE, so I can't suggest something in that area (although I have heard good things about Ithaca). If you're looking for just a summer place, the northern Great Lakes meets some of your desires. I'm talking about Minnesota, northern Wisconsin, northern Michigan. Lots of beau...
by feh
Thu Jul 24, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6415

Re: Do you own a DOW30 or NASDAQ100 index fund?

I used to have a fairly large stake in QQQ, but no longer do.
by feh
Wed Jul 23, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Do you own a DOW30 or NASDAQ100 index fund?
Replies: 14
Views: 767

Re: Poll: Has your AA changed in the last 18 months

Slowly reducing equities in anticipation of retirement. Current markets/valuations are not considered.
by feh
Tue Jul 22, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3752

Re: If you are a winner before fees, why not lower the ER?

What am I missing? The part about fleecing investors for all they're worth? Sure, they could lower their prices, but as long as people are willing to pay them, why should they? +1 I'm sure there are armies of mathematicians whose job it is to maximize fees without losing customers. The average inve...
by feh
Tue Jul 22, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1155

Re: Withdrawal Rate and Net Worth

tennisplyr wrote:Do any of you use net worth when calculating your withdrawals.



Nope. That seems pretty dangerous to me.
by feh
Thu Jul 17, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawal Rate and Net Worth
Replies: 16
Views: 1825

Re: POLL: Do you have a dedicated REIT allocation?

I rebuilt my portfolio from scratch about 18 months ago...started with Rick Ferri's Core Four, which includes REIT.

After a few months of reading and pondering, I decided it wasn't necessary. I'm now a TSM/TBM/ex-US w/ SV tilt guy.
by feh
Wed Jul 16, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7341

Re: To LMP or Not to LMP? [Liability Matching Portfolio]

MyIdea2014 wrote:So I think I’ll take those odds and not LMP, at least not yet.


I agree with your thinking.

If you do a search, you'll see this topic has been discussed quite a bit. Here's a thread w/ recent activity:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=106544
by feh
Tue Jul 15, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: To LMP or Not to LMP? [Liability Matching Portfolio]
Replies: 11
Views: 1901

SS: another benefit of file & suspend

I haven't seen this mentioned here, so I wanted to bring it to everybody's attention...benefits of the file & suspend strategy aren't limited to married couples looking to delay until 70:

http://www.marketwatch.com/story/social-security-loopholes-huge-windfall-opportunity-2014-07-10
by feh
Thu Jul 10, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: SS: another benefit of file & suspend
Replies: 10
Views: 1182

Re: Any Bogleheads get involved in private equity?

I'm the owner of a small percentage of an LLC. Didn't need to go through a private equity firm to do it, though.
by feh
Wed Jul 09, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads get involved in private equity?
Replies: 31
Views: 3443

Re: Is Market on "Wrong Side of History"?

I'm not suggesting that any drastic action is called for. But, I do wonder whether anyone would adjust their AA to any extent based on what Mr. Weidner has written about. Nope, absolutely not. As somebody who has only recently (ie. the last 12 months) started reading marketwatch.com, I am amazed at...
by feh
Wed Jul 09, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Is Market on "Wrong Side of History"?
Replies: 22
Views: 2735

PE10 and SWR

For those of you that use PE10 as an indicator of future growth:

http://www.marketwatch.com/story/retirement-2-different-views-on-the-4-rule-2014-07-07
by feh
Mon Jul 07, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: PE10 and SWR
Replies: 1
Views: 313

Re: Intermediate TIPS fund

Edited below in red . What are folks thoughts on AIANX? It's available in my 401K and I'm thinking about taking a position in it... It might be a wee off-topic, but I would have not problem using AIANX if I just had to have inflation-protected bonds. I haven't read much on the subject, but I *think...
by feh
Fri Jul 04, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2612

Re: Intermediate TIPS fund

What are folks thoughts on AIANX? It's available in my 401K and I'm thinking about taking a position in it...
by feh
Thu Jul 03, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2612

Re: [Poll] Which do you include in Asset Allocation?

I would include cash if it was a non-negligible percentage of our investments. But, it's not, so I don't.
by feh
Thu Jul 03, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which do you include in Asset Allocation?
Replies: 41
Views: 2694

Re: Formula for padding portfolio for crash

To elaborate my concern, I turn 50 in May of 2017. Dow is at 22,000. S&P is at 2,500. Life is great. Then over the net two years things fall apart, If I postpone retirement because of this fear, it could be that we're at the very beginning of a long term bull and I work another 10 years, waitin...
by feh
Wed Jul 02, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Formula for padding portfolio for crash
Replies: 14
Views: 1240

Re: Starting Retirement Investment in a Bull Market

amvoymyke wrote:Am I falling pray to market timing advice?


Yes.
by feh
Wed Jul 02, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investment in a Bull Market
Replies: 21
Views: 2052

Re: Formula for padding portfolio for crash

Seems to be you're susceptible to sequence of returns risk regardless of what happens w/ the market the next 3 years.
by feh
Wed Jul 02, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Formula for padding portfolio for crash
Replies: 14
Views: 1240

Re: How are you doing through the first half of 2014?

6% for 1/1 to 6/30. Total return (excludes contributions).

70/30 portfolio.
by feh
Wed Jul 02, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9624

SigFig portfolio tracker at money.cnn.com

Has anybody tried the portfolio tracker at CNNMoney? Comparisons to Personal Capital or any of the other popular choices?

Thanks.
by feh
Tue Jul 01, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: SigFig portfolio tracker at money.cnn.com
Replies: 0
Views: 220

Re: Managing AA Targets between Taxable and Tax-Advantaged

One might think that the simple solution would be periodic reallocation as withdrawals are made, but this ignores the fact that if the stock market declines significantly then the individual is at risk of running out of funds in the “taxable portfolio” prior to reaching age 59 ½ since he is investe...
by feh
Mon Jun 30, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Managing AA Targets between Taxable and Tax-Advantaged
Replies: 11
Views: 1067

Re: Retirement age for software engineers

Software developer here for 26 years. Planning on retiring in 2 more, at age 50.

I am still valued and respected by my employer, with whom I have a long history. I assume I'd be viewed differently if I had to compete with others for a new job.
by feh
Tue Jun 24, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9799

Re: Denver: Visiting and Possible Relocation

Colorado is at the top of our list for relocation when we become empty nesters. However, we're looking at the Boulder/Loveland/Fort Collins corridor instead of Denver. Unless you really want the big city, I suggest checking out that area.
by feh
Mon Jun 23, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denver: Visiting and Possible Relocation
Replies: 25
Views: 1762

Re: Anyone here use Personal Capital?

+1 for the "mint for budgeting/daily expenses and PC for investments" crowd.
by feh
Mon Jun 23, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5483

Re: Liability Matching Portfolio? Really?

Somehow I missed this thread during it's first incarnation... Count me in the group that is uncomfortable w/ LMP. I plan on retiring in 2 years (at age 50), and given that I have 40+ years of retirement ahead of me, I am not comfortable with the very conservative approach of LMP. We'll be keeping 5...
by feh
Mon Jun 23, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio? Really?
Replies: 71
Views: 7079
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