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Re: Proposed: 35% Maximum Bond Allocation, For Life

Thanks Financial Dave.I really am planning on keeping 25 pct in stocks and hopefully I will still have a lot left when a turn 100 and at that time Iwill check back at the Boglehead forum for advice :D Stick around because I may need your help :)
by hoops777
Fri Sep 19, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3610

Re: Proposed: 35% Maximum Bond Allocation, For Life

Thanks John.I bought some of the ten yr CD at Vanguard about 7 months ago at 3.4.I read a book last year by some bond gurus who invest 100 % in high quality muni and treasuries....no stocks.You got to have a few bucks to live off of that portfolio.
by hoops777
Thu Sep 18, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3610

Re: What evidence would prove the Boglehead mentality wrong?

Bogleheads is like choosing to eat a healthy balanced diet,walk everyday and not smoke.It is sensible but not innovative or cutting edge.It is best for the vast majority of people.It is boring but gives most people the best chance for success.
by hoops777
Thu Sep 18, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 99
Views: 5882

Re: Proposed: 35% Maximum Bond Allocation, For Life

Just out of curiosity....what if a person retired at 65 and had a 100 pct intermediate bond portfolio of 1 million and planned on withdrawing the 2.3 pct for 30 years and whatever is left goes to the kids.How much would be left at the end....easy to guess :D best and worst case.
by hoops777
Thu Sep 18, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3610

Re: Financial Psychology - Mind Over Money

Just a thought....Financial advisors are human and have biases and emotions.The argument that they will not have any of the emotional problems managing your acct because it is not their personal money kind of bothers me.I would actually feel more emotion managing other peoples money.
by hoops777
Thu Sep 18, 2014 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 78
Views: 3510

Re: Financial Psychology - Mind Over Money

I believe I read that someone said people invest in individual stocks knowing that they will underperform the index?Maybe everybody else's individual stocks but certainly not mine :happy Seriously,maybe I misinterpreted something,but I think people invest in individual stocks because they believe th...
by hoops777
Tue Sep 16, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 78
Views: 3510

Re: Roth stock/bond allocation

Yes that is the plan.Hopefully we will never touch the Roths or Ibonds.If something happens and I cannot keep working until I am 70 or more in my small business as planned :oops: there are a lot of unknowns that can alter even the best laid plans :D I have decided to be in protection mode,thus the l...
by hoops777
Tue Sep 16, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 664

Re: Roth stock/bond allocation

My thinking is that the money in the Roths will be there hopefully 25 years or so and we will probably never need to withdraw from them,so it makes sense to go with stocks.If at some point they have massive gains we can always change the allocation.I do understand your point but we are looking at th...
by hoops777
Tue Sep 16, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 664

Re: Roth stock/bond allocation

Thanks
by hoops777
Mon Sep 15, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 664

Roth stock/bond allocation

Going forward at age 62 I have settled on a stock allocation of 25 pct.We currently have about 70k in our 2 Roths combined and will contribute another 35,000 the next 3 years which will give us about 100k depending on the market.My question is .....our total invested in stocks will be about 300 to 3...
by hoops777
Mon Sep 15, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 664

Re: How much value can an advisor add for the average invest

People on this forum are very comfortable with investing and can be a little bit removed from how someone with no experience or interest in it can feel.The total market or the SP500 can be like a foreign language to some people.When you add the stress of actually taking their money and investing it ...
by hoops777
Sun Sep 14, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 4579

Re: Individual Stocks

Curious if anyone invests in utilities for income.Keep getting ads from Roger Conrad and his Utilities or essential services newsletter.Actually has a good long term track record.I do not know if the dividends from Utilities are more secure compared to regular stocks if one was taking the dividends ...
by hoops777
Fri Sep 12, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 31
Views: 2155

Re: housing market - houston

Maybe it is not a bubble...just houses at all time highs selling for well over asking price.Like everything else,everyplace is not in the same situation.Realtors hard sell the low interest rates that lower payments,but you are still paying maybe 800,000 to 900,000 in calif for a house that was 600,0...
by hoops777
Thu Sep 11, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: housing market - houston
Replies: 15
Views: 779

Re: Why COULDN'T we just retire on Social Security?

OP....Focus on what you really need to worry about.There is no way anyone can answer that question.There are so many variables and possible life changing events that can and will occur.If you were smart you would plan your retirement not expecting any SS.I cannot guarantee you it will still be there...
by hoops777
Thu Sep 11, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 5957

Re: housing market - houston

Welcome to the 2014 real estate market.Prices are in a bubble and rents are up.Be thankful it is Houston.....if it was Calif prices would be 65pct higher in a comparable area.
by hoops777
Thu Sep 11, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: housing market - houston
Replies: 15
Views: 779

Re: Anyone use Legal Zoom for LivingTrust?

We have 2 sons.....they get everything 50-50.There is nothing to fight over.It is as simple as it gets.Artsdoc you have made excellent points but you keep reverting back to complex situations which do not pertain to us.If things at some point get complicated we can always make some changes and hire ...
by hoops777
Wed Sep 10, 2014 12:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: Anyone use Legal Zoom for LivingTrust?

You of course have to understand your individual states laws.
by hoops777
Tue Sep 09, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: Anyone use Legal Zoom for LivingTrust?

Thanks muddlehead...really appreciate it.Sounds like our situations are almost identical with the exception of your estate being quite a bit larger :happy The only thing seperate from Vanguard and our bank would be our Ibonds.I forgot to mention those....
by hoops777
Tue Sep 09, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: Anyone use Legal Zoom for LivingTrust?

Muddlehead....I am still here....can't check out until my trust is done :happy
by hoops777
Tue Sep 09, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: What pct of stocks is needed to offer decent inflation p

Thanks Bob....great post.Thanks again dbr.My own belief going forward was to be no more than 20-25 pct stocks to pass the sleep at night test.I feel confident in my plan and realize it is not what most would do but it is good for my situation.If pen fed comes out with another great 5 yr cd this Dece...
by hoops777
Tue Sep 09, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2016

Re: What pct of stocks is needed to offer decent inflation p

Thanks dbr.I want to preserve capital until I quit working.I have no need for any withdrawals now.I appreciate your time.I know this was probably not the right forum for the post you just addressed.
by hoops777
Tue Sep 09, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2016

Re: What pct of stocks is needed to offer decent inflation p

Well....I was criticized for not providing more info about my plan,so I provided more info.I guess maybe too much info .Once I started I just kept going :oops:
by hoops777
Mon Sep 08, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2016

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Thanks Ydnal and thanks to everyone for their responses.
by hoops777
Mon Sep 08, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Ok....I understand what you are saying.Just out of curiosity,what do you think of the W's?
by hoops777
Mon Sep 08, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Ping Pong was never my best sport :D Ydnal I do not understand how mixing the W's with a balanced index would not be more diversified.I understand the stocks and bonds in the W's would be overweighted but all of the additional stocks and bonds the index adds does not create a more diverse portfolio?...
by hoops777
Mon Sep 08, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: Anyone use Legal Zoom for LivingTrust?

Thank you Kevin.Your response is much appreciated.
by hoops777
Mon Sep 08, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: Anyone use Legal Zoom for LivingTrust?

Thank you.Our kids are grown so not an issue.
by hoops777
Mon Sep 08, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: Anyone use Legal Zoom for LivingTrust?

This TOD has really confused me....So I die she gets my IRA and when she dies she can leave it 50/50 to our 2 kids.No TOD needed...just the 2 kids listed as beneficiaries.That was what I thought initially and someone got me hung up on this TOD thing.Then all I have to worry about is the house which ...
by hoops777
Mon Sep 08, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Ydnal....Going 25 % in all 4 would create a lot more diversity.You would get the market return on half and whatever the W's give you on the other half.Seems reasonable to me for someone who believes in the W's or for whatever reason wants something beyond straight indexing.The argument that does con...
by hoops777
Mon Sep 08, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: Anyone use Legal Zoom for LivingTrust?

If I die my wife inherits my IRA but since it is still a retirement account Vanguard does not allow a TOD or am I totally confused now.
by hoops777
Mon Sep 08, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: What pct of stocks is needed to offer decent inflation p

Wow.....thanks for all of the thoughtful comments,suggestions and questions.I apologize for not being more precise,but was not expecting the responses to be at the level they are.I have read a lot of articles and posts about inflation being a huge problem that many underestimate and I am trying to c...
by hoops777
Mon Sep 08, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2016

Re: What pct of stocks is needed to offer decent inflation p

I have read a thousand posts about needing stocks to help to keep up with inflation........my goal is preservation of capital with some growth and keeping it as simple as possible.Not interested in buying a lot of tips.I was thinking of something like half in Wellesley,Wellington and a balanced inde...
by hoops777
Sun Sep 07, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2016

What pct of stocks is needed to offer decent inflation prote

For simplicity.....You have a 1 million dollar portfolio of stocks and bonds.What is the minimum amount of stocks needed to offer some decent inflation protection for the next 25 years.
For less simplicity.....how does that number change if you have 150,000 in Ibonds in addition to the million?
by hoops777
Sun Sep 07, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: What pct of stocks is needed to offer decent inflation prote
Replies: 32
Views: 2016

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Investing is so great.So the W's have historically outperformed the indexes by a small margin.Going forward they may or may not continue their outperformance,but either way it will be close.So no matter which path we choose the difference should be slight but we do not have any guarantee of the resu...
by hoops777
Sun Sep 07, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: What Do You Eat For Snacks?

Livesoft...blueberries are never out of season....buy frozen.Costco always has them.I put what I need for breakfast in the fridge overnight so they are thawed in the a.m.I eat them every a.m.which accounts for my investing prowess :D
by hoops777
Sun Sep 07, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 8915

Re: Principal Protection

I would second the CD's.If CD 's properly invested by FDIC limits do not work,what is safer that has some guaranteed return?
by hoops777
Sun Sep 07, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2028

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

I do not understand how the W's can be based on an index when they only have about 60 and 100 individual stocks.I guess I am missing something here.I did a quick X-ray on Morningstar and they had at least 24 of the same stocks in the 2 funds.
by hoops777
Sat Sep 06, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: Principal Protection

I have finally found someone crazier than me :D
by hoops777
Sat Sep 06, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Protection
Replies: 44
Views: 2028

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Pkcrafter makes a good point about the W's being so similar.I had actually thought about that.They are made up of the same or very similar stocks and bonds in different proportions.If I used both I was going to put Wellington in my our Roths because we will use those last if at all.I figure our Roth...
by hoops777
Sat Sep 06, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

OGD....if all the Bogleheads voted there would be a large majority in favor of the index.The people in favor are of course owners of the funds for the most part.I believe some people just do not want to settle for index only for a lot of different reasons,some of which that have nothing to do with t...
by hoops777
Sat Sep 06, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: Anyone use Legal Zoom for LivingTrust?

Artsdoctor......The whole purpose of my starting this topic was to find out if Legal Zoom was sufficient for my needs.I do not want go leave a mess for my loved ones or even my unloved ones who are not getting anything anyway :D I will only use an attorney if I am satisfied that one is truly needed....
by hoops777
Sat Sep 06, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Thanks for all of the replies.My technical knowledge of investing is limited even though I have read quite a bit and been here on Bogleheads for a couple years.My opinion is that Wellesley with about 65% bonds may be a bit more attractive to me based on my belief that a good mgr is more likely to ma...
by hoops777
Fri Sep 05, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: RMD Process

Thanks Wizard.I figured as much......simple.
by hoops777
Fri Sep 05, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD Process
Replies: 13
Views: 770

Re: Anyone use Legal Zoom for LivingTrust?

No it will not.I also have no idea if the law firm will be around when I kick the bucket at 101 :D
by hoops777
Fri Sep 05, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 4852

RMD Process

I am still about 8 years out but was curious as to how most Bogleheads due their RMD.Do you have an amount already set aside in a money market type acct and withdraw the RMD in December?Do you keep reinvesting dividends in your funds and then sell what you need?Do you take the dividends and put them...
by hoops777
Fri Sep 05, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD Process
Replies: 13
Views: 770

50-50 Wellesley-Wellington or Total Bond-Total Stock

I know most will go with the index funds but wondering if anyone would argue for the Wellesley-Wellington option or maybe go 25pct in all 4..all the accts are IRA's and Roths and would not be touched for 8 years until turning 70 except for additional funding.
by hoops777
Fri Sep 05, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5379

Re: Do I Even Need a Trust?

Lafder...thanks ......If one of us died and it became a single account,it is still a retirement acct so A POD could not be done,correct?
by hoops777
Thu Sep 04, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 1951

Re: Do I Even Need a Trust?

Thank you HueyLD.....They also do not allow TOD on retirement accts.where most of our investments are.
by hoops777
Thu Sep 04, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 1951

Re: Do I Even Need a Trust?

Thanks Harmony.
by hoops777
Thu Sep 04, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 1951
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