Bogleheads.org

My thought is that my personal inflation rate should be well under 2% based on current expenses. I am reading a book by Richelson called "Bonds-the unbeaten path to secure investment growth". This book goes a long way to debunk the myth that all bonds cannot be a winner in Retirement. Very...

If you spend about 55k per year currently, and can utilize a bond fund paying approximately 135k TAX FREE, What say you guys about a fixed income monthly dividend that gives me 4 times my annual expenses. I am inclined to go 100% fixed income as I will not have to worry about a market crash and real...

Run Forrest, run!!

according to Michael kitces in this article, as long as the market achieves an average 1% rate of return through that timeframe feel free to assume a 4% annual swr under A WORST CASE SCENARIO BASED ON BOND YIELDS UNDER 2%. If we do better in stocks even including the current low yield environment t...

This seems absolutely insane. Why in the world would you take a portfolio of 60% bonds and move it to a 100% stock fund, especially in a single sector! Seek your thrills elsewhere. Find a hobby.

I would like to know if any bogleheads embrace long running reits that invest in low leveraged triple net leased real estate. I am looking for a nice safe consistent dividend in my bond like portion of my portfolio. Can somebody who has done this with their bond allocation speak to the feasibility o...

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Wow! A 506 year duration? I think they best change the name to 7 generation muni fund. Now that's a long term perspective!

Doc

Welcome Poppa, I am far from an expert but it sounds like you are taking risk commensurate only with your NEED to take risk, which is good. I too may desire a mostly individual muni portfolio as I get nearer to pulling the plug. I am a do it yourselfer through and through though. What sites do you r...

I forgot to say thank you to all of you for answering my question. My oversight.

How is this for a strong argument: PRINCIPLE protection. You know what can happen to the principle/nav of that bond fund if rates rise or investor sentiment turns negative on cali muni's. I myself hold intermediate term tax exempt as 10% of my portfolio in taxable so I am a big fan of muni funds in ...

Thanks everybody for the help!

I favor NO MATCH. Save yourself. Nobody matches anything I contribute.

I am considering living off the dividend. I mean these are low leveraged, triple net lease properties with a huge track record of dividend payments. The common share claim to fame is they frequently increase the dividend, including during the 2008 crisis.

Hi, I have a portfolio entirely invested with vanguard currently, roughly 1.25 Million. I am 46 and wish to quit what I am doing within 7 years, hopefully sooner. I am interested in Reits. I think bonds are going nowhere from here but I have stuck to my allocation of 25% corporate, 10% intermediate ...

So no hurry to switch back they are basically equivalent?

I need help with my tax loss harvesting project. At the bottom of the recent crater at the end of may, I tax loss harvested total international . I was able to harvest a little more than a 25k loss in that part of the portfolio. Now, is it ok just to sit with this fund? Are they not essentially equi...

Of course the estimation of very rare events is all we have to go on, as well as any event in the future. I was just struck by the PROPORTION in the table of numbers above 4%

The study shows a time period including 1966--->1982, one of the longest of secular bears in history. Those secular bears of which there have been 3 since 1900 have lasted 16 years, 21 years and 17 years. They were 1906-1921, 1929-1949 and 1966 thru 1982. We are now in one also 2000---->? If you are...

Here is a very interesting Chart I came across from Wade Pfau on a 50/50 portfolio and many rolling 30 year periods. It shows that only a very few occasions did a UNDER 4% withdrawal become necessary to preserve not only nominal wealth after 30 years but even inflation adjusted wealth after 30 years...

It certainly includes your 401k savings. I am presently saving 70% of my pretax income, as I want out badly in 7 years.

Wow, at your age you should be on your way, might I ask how your "windfall" came to be?

Thank you all

wow, thank goodness I asked this question. I was just about to rebalance which would have necessitated buying some stock in tax deferred and selling some total bond. Ok, so I need to purchase ftse all world ex us when I rebalance in all tax deferred accounts also? When will I be able to switch back ...

With May's thrashing in the market, I had read on this forum that many people switch back and forth between Vanguard's Total international index and FTSE all world ex US fund. Questions: 1. Is this the correct statement, that you can (if you successfully avoid a wash sale) use this rotation to tax l...

Just curious, what cushion amount did you need to be able to pull the trigger? Do you use an income approach to retirement or a 4% withdrawal approach? See poll

market timer wrote:

nisiprius wrote:LTGB... am I the only one who keeps thinking "lesbian, transgendered, gay, and bisexual?"

That's LGBT, but I also stumble on this acronym. See it around college campuses frequently.

umm....yes.

Doc

I too just use TBM index, which last time I looked was about 45% treasuries

Doc

bumping for responses as to how much other folks carry for policy limits. I always thought 1/3 was the norm and that was about it. Will be checking with carrier on tuesday. I certainly do not want to be the prettiest horse in the glue factory with the highest limits in a group of defendants, guess w...

I did find out that despite my solo 401k having only my wife and I as participants, it is fully protected in new york state, despite the 401k not meeting ERISA protections. This was a relief. Anyway, 1/3 M is a standard in malpractice coverage. I will have to call and find out whether the carrier re...

I would read that umbrella policy very carefully. The one that I read from allstate insurance says it specifically EXCLUDES any damages related to your BUSINESS ACTIVITY. I am sure a good many physicians think this umbrella protects them from "all hazards" when that is clearly not the case...

This is some scarry crap. Are you saying that my solo 401k with just my wife and I who elected to participate is not exempt under erisa in nys?? I so can't wait to get out of medicine in 7 years (or less!) Why get up and go to work everyday when some dirtbag can swipe it from you for an innocent mis...

Your liability in dermatology is minute compared to family medicine. I am open to it all, thus asset protection is of prime importance to me. Thankfully, my marraige is excellent but yes, that is a risk also. You can only attempt to mitigate risk, just as in medicine, sometimes the disease state wil...

I certainly do order what is appropriate but you cannot tell me that additionally, you have not practiced defensive medicine. What specialty are you in, Pathology? Good luck with that approach. I would rather say I ordered it than give up my life savings for something so noble.

I was wondering what other MD's on the board do for asset protection. I do not pay a lawyer for this but simply try to maximize what I can do on my own. I have done the following: (by the way, I do live in New York)--> My net worth is darn close to 2 million 1. Practice very careful medicine and cov...

Buy less house, save more, retire early.

ok.

Did seem to forget that withdrawing from IRA will be at regular income rates in the future. That is not an insignificant part of this. I guess I am sitting tight and need to stop thinking about this so much.

Thanks.

I said BUCK. Here is the deal. Any input is greatly appreciated. I want to know if I am correct in my thinking and if I am missing anything here. My current portfolio is 1.2M at age 46 I have 75% of my total portfolio in after tax money, 15% in a roth IRA and the remainder in traditional IRA and Sol...

I see the duration of this fund is about 6 years. I see the duration of total bond market is 5.1 years. Is this that much more of a risk interest rate rise wise? Long term corporate fund duration is 13 years. So, I ask is this really a long term bond fund??

Thank you kindly Marc.

Pays to read the prospectus? Is that what I am supposed to do with it?

doc

I thought I read somewhere recently that Vanguard changed the dividend distribution schedule of total international stock index to quarterly from its previous annual distribution? Checking the current "Is your fund declaring a dividend for march?" section of the vanguard website, I do not ...

When I look at a graph of long term corporate against total stock market, I see a very strong zig when one zags relationship. I mean, long term can generally zig in the 0.5 ---->1+ percent range vs. stocks. With such strong negative correlation why not use it?? I understand treasuries and flight to ...

answer to paul: Yes I compared target retirement 2025 as a one fund option throughout all my accounts. I currently hold about 1M of which 30.5 is tax advantaged (of various ilks) and the rest is taxable. For my "efficient placement" portfolio I placed 30.5 percent total bond in that tax de...

Dsi-investor, You are right there. I am sure I am not alone in my "discipline problem". I stand by the 660.00 number as it was carefully calculated using last years dividends for all of the funds and the #shares I just simply calculated by dividing yesterdays closing price into 980k. For m...

live soft please explain. I expect to gab another 120 k when I sell my boat which gives me 19% tax priveledged space. I currently contribute 45k tax priveledged to 155k taxable annual which will shrink the space on a relative basis year over year. I don't like munis so will not have room anyway for ...

I will start off by saying that I have tried to slice up my portfolio into the most tax efficient manner and have found that it ends up costing me MORE MONEY BY TINKERING WITH ALLOCATION as compared to a one fund portfolio. But that aside, I actually had a few spare minutes to actually sit down and ...

people like the op are promptly wondering why they are receiving a certified letter from my practice with a notation that I will refill their meds for 30 days or the small claims court date, whichever comes first! Man people like you fire me up. How about we go to your employer moose and negotiate y...

Sorry, I tried to cut and paste this from the vanguard portfolio tester portion of the site. I see that total international is significantly underweighting european stocks. Has this always been the case? Or is it a case of market timing on the part of vanguard due to the debt crisis in europe? Again...

Well, as to my savings rate, really simple. I have everything paid for, despise debt and am quite content with my bulldogs and my situation in general. I take an overseas vacation once a year, enjoy time with my wife and living on the water. I have an awesome wife who shares my goal of retiring whil...

Income was closer to 280 last year, living expenses about 35k, and a good accountant