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Re: It Works (I think?)

Without knowing exactly how much you deposited and exactly when, your calculations sound fairly reasonable. By the way, this illustrates how the historical data tables for yearly gains and losses and calculations like "10,000 would grow to ..." don't really tell the whole story. According...
by ibis888
Tue May 27, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: It Works (I think?)
Replies: 9
Views: 1020

Re: It Works (I think?)

It's my understanding that you don't enter dividends into the XIRR function, only actual contributions and withdrawals from the account...

But I could be wrong?
by ibis888
Tue May 27, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: It Works (I think?)
Replies: 9
Views: 1020

It Works (I think?)

I have just spent a very exciting long weekend working on Excel spreadsheets and was hoping for some feedback from the experts out there. Background: My dad talked me into investing in a Roth IRA with Vanguard index funds in June 2002 when I was a senior in college (I was at the US Naval Academy and...
by ibis888
Tue May 27, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: It Works (I think?)
Replies: 9
Views: 1020

Re: Help With TSP and Roth IRA AA

Sound advice... I hope to increase my contributions in the near future.

I'm going to also explore alternatives to the TSP I Fund (lack of small and mid cap) and my allocation to Bonds and G fund. Good food for thought so far.. thanks for everyone's advice.
by ibis888
Sat Jul 27, 2013 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 511

Re: Help With TSP and Roth IRA AA

Well, between the Vanguard Roth IRA and TSP (5% + 5% match=10%) I'm saving a little over 15% of my gross income, which works out to be ~$16,500 per year. You may be looking at the pay scales that don't include the cost of living adjustment.... you are correct though, I still have quite a bit of room...
by ibis888
Sat Jul 27, 2013 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 511

Re: Help With TSP and Roth IRA AA

Interesting points, thank you. Would you leave the non equity percentage of the portfolio at ~50/50 G fund/Bonds forever, regardless of market conditions? (i.e. is the shift you recommend due to current market conditions, or would it apply for the long haul)? I'll take a look at the international eq...
by ibis888
Sat Jul 27, 2013 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 511

Help With TSP and Roth IRA AA

I'm currently a civilian federal employee, aged 33 with 15 years of government service under my belt (my time at the Naval Academy and in the military all counted towards government service). I am currently planning on staying with the government until retirement. As such, if I retire at 62, I will ...
by ibis888
Sat Jul 27, 2013 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 511

Re: (Planned) AA Change consideration - return to 100% equit

Doesn't modern portfolio theory state that the addition of a small amount of bonds to a 100% equity portfolio actually reduces risk while maintaining or increasing the return? I know that all of these conclusions come from back testing, and past performance is no indicator of future performance etc....
by ibis888
Thu Jul 18, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: (Planned) AA Change consideration - return to 100% equities
Replies: 36
Views: 2858

Re: Is There Hope?

Perhaps there is some confusion with the means of calculating averages. My 3.3% number is the annualized return (geometric mean). I think the average return has been something like 6%. When stock market average historical returns are cited (usually in the 9-10% range), the regular average, not the ...
by ibis888
Thu Jul 18, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3215

Re: Is There Hope?

Perhaps there is some confusion with the means of calculating averages. My 3.3% number is the annualized return (geometric mean). I think the average return has been something like 6%. When stock market average historical returns are cited (usually in the 9-10% range), the regular average, not the g...
by ibis888
Thu Jul 18, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3215

Re: Is There Hope?

Thanks for all of the (mostly) positive responses. Perhaps my calculations are off! I'll try not to veer away from the topic into my personal investments(which I believe would be better addressed in another forum), but I think it has bearing to the conversation: I have been maxing out a Roth IRA sin...
by ibis888
Thu Jul 18, 2013 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3215

Is There Hope?

Hello all. I've been a longtime lurker, and have finally decided to join the conversation. I've been stewing on this for some time, and thought this would be the perfect place to air it out: The "lost decade" of investing is frequently referenced in the media, and I have certainly seen its...
by ibis888
Wed Jul 17, 2013 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3215

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