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Has anyone used vanguard asset mgmt. services

Hi. I am hopefully retiring in 2 years with about 2.15m in the retirement kitty. We have no debt and are subject to no state tax. I recently spoke to vanguard because, although I don't find it hard to save, I Can't keep from tinkering all the time. This service was 0.7% now it has dropped to .30% Th...
by floatingdoc
Sat Mar 29, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone used vanguard asset mgmt. services
Replies: 1
Views: 354

Re: Physician(s) changing Jobs - Advice

Perhaps also try Sermo.com
by floatingdoc
Sat Aug 10, 2013 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician(s) changing Jobs - Advice
Replies: 20
Views: 2526

Re: Physician(s) changing Jobs - Advice

Hi Jay, I am a family doc and can offer a perspective. I don't know how young you are. I am 47 and I must say, I cannot wait to get out of medicine. Its not patient care, its all of the usual hassles I am sure you have dealt with too. I am in private practice (solo). I am trying for an out by 50 wit...
by floatingdoc
Sat Aug 10, 2013 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician(s) changing Jobs - Advice
Replies: 20
Views: 2526

Who has changed bond fund durations?

Hi all,

As you all know, bond yields have been in the news lately and have been discussed a lot lately here. I have a poll!! :shock:
by floatingdoc
Sun Jul 21, 2013 6:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Who has changed bond fund durations?
Replies: 18
Views: 968

Soliciting Boglehead opinions on this paper

Dear Bogleheads, I am considering various decumulation strategies during (hopefully) a retirement period to commence in about 3 years :mrgreen: :sharebeer I am considering a "bucket" type balanced strategy with a starting portfolio of about 2M. I plan to spend about 65,000 from the portfol...
by floatingdoc
Fri Jul 19, 2013 5:49 am
 
Forum: Investing - Theory, News & General
Topic: Soliciting Boglehead opinions on this paper
Replies: 12
Views: 1127

Re: Is fixed income "safe" if your current yield is 4 x your

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...
by floatingdoc
Tue Jan 29, 2013 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is fixed income "safe" if your current yield is 4 x your exp
Replies: 4
Views: 550

Is fixed income "safe" if your current yield is 4 x your exp

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...
by floatingdoc
Tue Jan 29, 2013 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is fixed income "safe" if your current yield is 4 x your exp
Replies: 4
Views: 550

Will the s&p reclaim its peak before 2027????

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...
by floatingdoc
Sat Oct 20, 2012 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will the s&p reclaim its peak before 2027????
Replies: 3
Views: 537

Re: Should I Go All In Health Care Fund?

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.
by floatingdoc
Sat Oct 06, 2012 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Go All In Health Care Fund?
Replies: 78
Views: 3499

2 great reits NNN and O as part of bond allocation

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...
by floatingdoc
Sun Aug 12, 2012 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 great reits NNN and O as part of bond allocation
Replies: 3
Views: 508

Re: finally gonna make the change-a few questions first.

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
by floatingdoc
Sun Aug 05, 2012 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: finally gonna make the change-a few questions first.
Replies: 9
Views: 870

Re: finally gonna make the change-a few questions first.

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...
by floatingdoc
Sun Aug 05, 2012 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: finally gonna make the change-a few questions first.
Replies: 9
Views: 870

Re: tax loss harvest Ftse all world ex us <--->Total intnl

I forgot to say thank you to all of you for answering my question. My oversight.
by floatingdoc
Sun Aug 05, 2012 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: tax loss harvest Ftse all world ex us <--->Total intnl
Replies: 9
Views: 603

Re: I Bonds or California Munis?

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 ...
by floatingdoc
Sun Aug 05, 2012 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds or California Munis?
Replies: 5
Views: 1429

Re: Are you in favor of replacing pensions for new govt empl

I favor NO MATCH. Save yourself. Nobody matches anything I contribute.
by floatingdoc
Thu Aug 02, 2012 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are you in favor of replacing pensions for new govt emplys?
Replies: 5
Views: 653

Re: Realty income-->Anyone an investor in this reit?

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.
by floatingdoc
Tue Jul 31, 2012 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Realty income-->Anyone an investor in this reit?
Replies: 7
Views: 992

Realty income-->Anyone an investor in this reit?

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 ...
by floatingdoc
Tue Jul 31, 2012 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Realty income-->Anyone an investor in this reit?
Replies: 7
Views: 992

Re: tax loss harvest Ftse all world ex us <--->Total intnl

So no hurry to switch back they are basically equivalent?
by floatingdoc
Wed Jun 20, 2012 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: tax loss harvest Ftse all world ex us <--->Total intnl
Replies: 9
Views: 603

tax loss harvest Ftse all world ex us <--->Total intnl

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...
by floatingdoc
Wed Jun 20, 2012 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: tax loss harvest Ftse all world ex us <--->Total intnl
Replies: 9
Views: 603

Re: Interesting Chart on 4% rule-->Why worry?

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%
by floatingdoc
Sun Jun 17, 2012 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interesting Chart on 4% rule-->Why worry?
Replies: 45
Views: 5239

Re: Interesting Chart on 4% rule-->Why worry?

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...
by floatingdoc
Sun Jun 17, 2012 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Interesting Chart on 4% rule-->Why worry?
Replies: 45
Views: 5239

Interesting Chart on 4% rule-->Why worry?

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...
by floatingdoc
Sun Jun 17, 2012 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Interesting Chart on 4% rule-->Why worry?
Replies: 45
Views: 5239

Re: Retirement savings recommendations clarification

It certainly includes your 401k savings. I am presently saving 70% of my pretax income, as I want out badly in 7 years.
by floatingdoc
Sat Jun 16, 2012 7:32 am
 
Forum: Investing - Theory, News & General
Topic: Retirement savings recommendations clarification
Replies: 8
Views: 643

Re: Starting a Portfolio

Wow, at your age you should be on your way, might I ask how your "windfall" came to be?
by floatingdoc
Mon Jun 11, 2012 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a Portfolio
Replies: 15
Views: 872

Re: Avoiding wash sale on Tax loss harvesting international-

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 ...
by floatingdoc
Fri Jun 01, 2012 6:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale on Tax loss harvesting international-help
Replies: 9
Views: 457

Avoiding wash sale on Tax loss harvesting international-help

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...
by floatingdoc
Fri Jun 01, 2012 4:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale on Tax loss harvesting international-help
Replies: 9
Views: 457

How much cushion did you need to retire?

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
by floatingdoc
Mon May 28, 2012 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: How much cushion did you need to retire?
Replies: 14
Views: 2359

Re: Is anyone on this forum primarily in Long Term Treasurie

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
by floatingdoc
Mon May 28, 2012 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Is anyone on this forum primarily in Long Term Treasuries?
Replies: 31
Views: 2488

Re: Is anyone on this forum primarily in Long Term Treasurie

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

Doc
by floatingdoc
Sun May 27, 2012 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Is anyone on this forum primarily in Long Term Treasuries?
Replies: 31
Views: 2488

Re: asset protection for doctors

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...
by floatingdoc
Sun May 27, 2012 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

Re: asset protection for doctors

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...
by floatingdoc
Sat May 26, 2012 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

Re: asset protection for doctors

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...
by floatingdoc
Tue May 22, 2012 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

Re: asset protection for doctors

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...
by floatingdoc
Tue May 22, 2012 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

Re: asset protection for doctors

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...
by floatingdoc
Tue May 22, 2012 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

Re: asset protection for doctors

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.
by floatingdoc
Tue May 22, 2012 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

asset protection for doctors

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...
by floatingdoc
Tue May 22, 2012 7:24 am
 
Forum: Personal Finance (Not Investing)
Topic: asset protection for doctors
Replies: 51
Views: 4081

Re: Fund placement, buck the traditional approach?

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.
by floatingdoc
Tue May 01, 2012 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Fund placement, buck the traditional approach?
Replies: 4
Views: 448

Fund placement, buck the traditional approach?

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...
by floatingdoc
Mon Apr 30, 2012 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund placement, buck the traditional approach?
Replies: 4
Views: 448

ny long term tax free bond fund--? long term?

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??
by floatingdoc
Sat Apr 07, 2012 4:54 am
 
Forum: Investing - Help with Personal Investments
Topic: ny long term tax free bond fund--? long term?
Replies: 3
Views: 272

Re: I thought total internat. is doing quarterly divs?

Thank you kindly Marc.

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

doc
by floatingdoc
Fri Mar 16, 2012 4:53 am
 
Forum: Investing - Help with Personal Investments
Topic: I thought total internat. is doing quarterly divs?
Replies: 2
Views: 288

I thought total internat. is doing quarterly divs?

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 ...
by floatingdoc
Fri Mar 16, 2012 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: I thought total internat. is doing quarterly divs?
Replies: 2
Views: 288

Why not long term corp. bond as diversifier

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 ...
by floatingdoc
Mon Feb 13, 2012 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not long term corp. bond as diversifier
Replies: 4
Views: 408

Re: tax efficient fund placement..ha! what a waste of time!!

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...
by floatingdoc
Sat Feb 11, 2012 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax efficient fund placement..ha! what a waste of time!!
Replies: 24
Views: 1973

Re: tax efficient fund placement..ha! what a waste of time!!

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...
by floatingdoc
Fri Feb 10, 2012 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax efficient fund placement..ha! what a waste of time!!
Replies: 24
Views: 1973

Re: tax efficient fund placement..ha! what a waste of time!!

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 ...
by floatingdoc
Fri Feb 10, 2012 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax efficient fund placement..ha! what a waste of time!!
Replies: 24
Views: 1973
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