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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: 11
Views: 487

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: 49
Views: 2325

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: 1131

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: 1786

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: 6872

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: 1853

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: 1126

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: 3301

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: 2682

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: 308

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: 2574

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: 2574

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: 2630

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: 1217

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: 1823

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: 1217

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: 9310

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: 193

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: 1054

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: 9401

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: 1711

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: 48
Views: 4355

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: 6887

Re: Liability Matching Portfolio? Really?

Somehow I missed this thread during its 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 50-...
by feh
Mon Jun 23, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Liability Matching Portfolio? Really?
Replies: 71
Views: 6887

Re: [Poll] How many brokerage firms do you use for investing

Had been only 1 (Fido) until last year, when I wanted to buy some VMLTX and didn't want to pay Fido $65 each purchase. So, I opened a Vanguard brokerage account.
by feh
Mon Jun 23, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How many brokerage firms do you use for investing?
Replies: 43
Views: 2024

Re: Cutting the cable cord - how did you do it?

Antenna in our attic. Windows media center for DVR. Netflix subscription.
by feh
Thu Jun 19, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4380

Re: Calling all Cyclists... [help getting into cycling]

A back injury has put my running career on hold. I'm thinking that is a good thing. Got back on the bike again and I'm really enjoying it. Just looking for any advice, tips, gear, that will make my ride more enjoyable. Not looking to break the bank, just looking to add more joy to my rides. http://...
by feh
Thu Jun 19, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5108

Re: Are Compound Calculators Accurate Predictors of Net Wort

OP, sounds like a retirement calculator would be better. They have the monte carlo simulator and account for additional investments each year. Fidelity's and firecalc.com are the two I prefer. +1 OP - such a simple calculator should not be used for predicting stock market returns. It's simply the w...
by feh
Thu Jun 19, 2014 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: Are Compound Calculators Accurate Predictors of Net Worth?
Replies: 21
Views: 1396

Re: Expense Ratio - what's too high?

I look at the weighted ER of my entire portfolio and try to keep it under .2%. That doesn't mean all funds are under that mark; I have one at .46 and another at .60
by feh
Tue Jun 17, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2749

Re: No bonds at all.

I was 100% equities until age 44. I was not a boglehead at the time, however.

Currently at 70/30, working my way down to 60/40.
by feh
Tue Jun 17, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: No bonds at all.
Replies: 176
Views: 11787

Re: engineers - please help with engineering school selectio

Software Developer here - I don't know if that counts as an engineer or not for your purposes... In my experience, engineering is one of those fields where it really doesn't matter what the name of the institution is on the diploma. Being able to adapt, continually learn, work with others and just n...
by feh
Fri Jun 13, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5248

Re: Feeling stuck moving to a self-managed portfolio

I like to keep things simple whenever possible, so I see your desired AA as 45% US, 25% International and 30% Bond/REIT. I wouldn't group bonds and REIT together. Some people consider them a separate class...if you're gonna group them with either stocks or bonds, they behave more like stocks (from ...
by feh
Mon Jun 09, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling stuck moving to a self-managed portfolio
Replies: 23
Views: 1320

Re: How to construct a retirement portfolio.

With all the various approaches to retirement investing it can be difficult to sort through all the schools of thought, then try to formulate a basic retirement plan. I don't mean to imply that specific investments be suggested, but rather a simple sequence of steps to help construct a basic framew...
by feh
Thu Jun 05, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to construct a retirement portfolio.
Replies: 21
Views: 1730

Re: Emergency Fund. Not Boglehead-ish?

Longtimelurker wrote:- $10k in savings
- I-Bonds gallor
- Taxable (which has intermediate muni's and equities)


This is exactly what we do. Plus some CDs that could be broken, if necessary.
by feh
Thu Jun 05, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Emergency Fund. Not Boglehead-ish?
Replies: 28
Views: 1991

Re: Future PenFed CD rates

jimkinny wrote:The PenFed 5 year at 3% was a good deal.


It sure was. I'm glad I was able to take advantage of it.

At the end of the calendar year we'll likely have some money to invest in short term vehicles. If CD rates don't go up from where they are now, it will probably end up in VMLTX.
by feh
Thu Jun 05, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Future PenFed CD rates
Replies: 9
Views: 1488

Re: Changed asset allocation from 60/40 to 50/50 today

We are working our way from 70/30 to 60/40 over the next 16 months. Not due to current market valuations, but rather because we'll be starting early retirement.
by feh
Thu Jun 05, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Changed asset allocation from 60/40 to 50/50 today
Replies: 56
Views: 5312

Re: Poll: Luxury and Happiness

I answered "often", but I am including the purchase of experiences as a "luxury".

The only thing we, as a family, spend sizable amounts of money on are vacations. I feel they are worth it.
by feh
Wed Jun 04, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8038

Re: Morningstar Portfolio Tracking or is there a better trac

gailcox wrote:feh, I wish it were so easy for me.


Right - what I do is really only viable for index funds.
by feh
Wed Jun 04, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1830

Re: Morningstar Portfolio Tracking or is there a better trac

Yesterday I called JPMorgan to ask for ticker symbols of the various funds they offer w/in my 401k. The rep there said that many 401k plans are 'private', and would never have a ticket symbol. Does this sound right? Yes. The S&P 500 fund in my 401K does not have a ticker. For tracking purposes,...
by feh
Wed Jun 04, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1830

Re: what is your average Morningstar rating

3.7, but I don't think they mean much.
by feh
Mon Jun 02, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is your average Morningstar rating
Replies: 11
Views: 781

Re: what has biggest influence on your stock/bond ratio

Two things:

- number of years from/into retirement
- ratio of portfolio size to annual expenses
by feh
Mon Jun 02, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: what has biggest influence on your stock/bond ratio
Replies: 27
Views: 1705

Re: Morningstar Portfolio Tracking or is there a better trac

I'm not sure you are doing it right. Can you post a screenshot of what you are talking about? My portfolios only ever show a single line for each fund and a sum of all the shares. I only track dividends and splits, so I never add new shares myself, but I can't imagine it would be any different than...
by feh
Mon Jun 02, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Tracking or is there a better tracker?
Replies: 28
Views: 1830

Re: what to do with Bond dividends

thedayisbrave wrote:I have all dividends in my IRA account set on reinvest. If this were taxable, I'd have dividends go to my money market and then periodically re-balance with those funds as needed.


3rd
by feh
Mon Jun 02, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: what to do with Bond dividends
Replies: 8
Views: 734

Re: Fidelity vs. Vanguard

Let me know when vanguards interface is 80% as good as fidelities and I'll consider switching. Otherwise with the spartan advantage funds I just don't see why it's worth the hassle. Yes, I'd like fidelity to offer a spartan small cap international fund or funds that are specifically value. I paid I...
by feh
Fri May 30, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 7925

Re: Bond allocation / Bond fund handwringing

Ben C wrote:- Does it make sense to buy bond fund(s) now?


Given your time horizon, there is absolutely no reason to not be invested in intermediate bonds.
by feh
Thu May 29, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2602

Re: Thinking of buying a 1974 Corvette

I suggest you find a vintage Corvette enthusiasts site. There must be lots of them, and the folks there will be able to give you an estimate.
by feh
Wed May 28, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying a 1974 Corvette
Replies: 22
Views: 1459

Re: POLL: QB Aaron Rodgers disproves the EMH

EMH seems to assume that the people doing the buying and selling are rational. Quite often, that's not the case.
by feh
Wed May 28, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3529

Re: TIPS for investors in their 30s?

I'm planning on retiring in 2 years. I have not owned TIPS before, but between now and retirement, TIPS will become 20% of our bond holdings. They will be held in a fund w/ 5 year average duration (AIANX).
by feh
Wed May 28, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS for investors in their 30s?
Replies: 20
Views: 2602

Re: This market is a snoozer, do you like it?

cheese_breath wrote:Boring is good.



+1

Getting ready to retire in a couple years...would be very happy if the first few years happen to be sideways.
by feh
Tue May 27, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 4516

Re: Lump Sum into 529 - Picking the college type

We set the goal amount for our child's 529 account based on the cost of X years at a good in-state public school. If he chooses a school that's more expensive, he'll be responsible for coming up w/ the difference.
by feh
Tue May 27, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum into 529 - Picking the college type
Replies: 9
Views: 936
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