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Re: What % of stock market "drive" is gambling?

seems to me everything in life has risk and a bank account has less risk than farming or marriage.

jim
by jimkinny
Mon Apr 14, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 25
Views: 2528

Re: Asset allocation vs. pooling for admiral shares

I just posted this link to the White coat Investor website/blog on another post.

The author of the linked site is a poster on the Boglehead who recently has had his book published and has his own site for at least 2-3 years.

http://whitecoatinvestor.com/

jim
by jimkinny
Sun Apr 13, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation vs. pooling for admiral shares
Replies: 9
Views: 780

Re: young doctor, taking over my own investments...

You might be interested in the linked site. The White coat Investor is a doc who goes by emergdoc (or close) on this site and started his own blog and recently has had a book published.

http://whitecoatinvestor.com/

jim
by jimkinny
Sun Apr 13, 2014 7:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Young doctor, taking over my own investments...
Replies: 24
Views: 2466

Re: Vanguard VTI and VXUS: adding more small VSS and VB/VBR

YellowJoe,

Once you adjust for adding more risk, what do you expect to gain and how long do you think it will take?

jim
by jimkinny
Sat Apr 12, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTI and VXUS: adding more small VSS and VB/VBR
Replies: 15
Views: 997

Re: Considerations For Executor

i was the executor for father. He did not have much, other than his house and some savings. I lived in another state. I used the attorney/office that prepared the will. Other than selling the house and car it was simple. If you live in fairly close to your mentor's home, it will be easy, if you use ...
by jimkinny
Sat Apr 12, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1180

Re: intro/review/advice

I would use the the Vanguard Institutional (this is a S&P 500 index fund) and Vanguard small cap index at about 80/20 ratio. (see link approximating total stock market index) I would also use the international index fund. since you did not provide a company name that is providing it you can figu...
by jimkinny
Fri Apr 04, 2014 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: intro/review/advice
Replies: 4
Views: 502

Re: Do You Need Commodities in Your Portfolio?

I do not need commodities. Not because they may not improve my portfolio but because i am unlikely to stay the course and like things simple.

jim
by jimkinny
Wed Apr 02, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Do You Need Commodities in Your Portfolio?
Replies: 23
Views: 1324

Re: Older and Wiser - Allocation Advice After Rookie Mistake

In your 401 options you have vanguard's 500 and small cap index funds. Consider the allocation to each suggested in this link to approximate a total stock market index:
http://www.bogleheads.org/wiki/Approximating_total_stock_market

jim
by jimkinny
Wed Apr 02, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Older and Wiser - Allocation Advice After Rookie Mistake
Replies: 16
Views: 2093

Re: Poll: how did you decide on stock/bond allocation?

Experience helps but...

I try to remember what 2008/2009 was like

With time, I change though, so I know what it was like in the past but as to the future I can only hope I have my need, ability, willingness accurately assessed.

jim
by jimkinny
Sun Mar 30, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 1839

Re: Anyone overbalance like the Finance Buff?

Overbalance is just a word used to describe taking more risk. If I recall correctly, about 65% of the time, equity indexes go up. As Larry Swedroe has written, costs matter also, but since no one has been been able to statistically show that they can time the markets and make money, it seems the cos...
by jimkinny
Fri Mar 28, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone overbalance like the Finance Buff?
Replies: 33
Views: 2442

Re: Moving some IRA brokerage to bank IRA CDs

I have done this several times. I am not an expert, so read about the number of times that the IRS allows rollovers to/from IRAs. If you can, the the trustee to trustee transfer (not a rollover) is perhaps the least likely to cause any problems. I did not do the transfer but instead had the money tr...
by jimkinny
Sat Mar 22, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving some IRA brokerage to bank IRA CDs
Replies: 3
Views: 314

Re: what to do with ING 401A plan

Your friend should contact someone at her new employer to find out if the old ING 401 can be rolled over to her new TIAA plan.

Or, consider rolling it over to a IRA at Vanguard or other fund company as already suggested.

jim
by jimkinny
Fri Mar 21, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: what to do with ING 401A plan
Replies: 5
Views: 508

Re: Complement to TRF? [Target Retirement Fund]

do you know what is in the TR date fund? There are already a bunch of other funds in this fund of funds. Look: https://investor.vanguard.com/mutual-funds/target-retirement/#/mini/overview/0695 Is this allocation not what you want or do you think changing is just what you want to do? Why? What is the...
by jimkinny
Wed Mar 12, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Complement to TRF? [Target Retirement Fund]
Replies: 13
Views: 617

Re: Considering moving to Oregon

I lived in Oregon for ten years. Beautiful state. I also lived in Vancouver, WA. It is accurate that one can buy in Oregon and pay no sales tax and have no WA state income tax but.... The tax man will get you, one way or the other. Property taxes are higher in WA and also taxes on cars/boats etc... ...
by jimkinny
Fri Mar 07, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 33
Views: 2612

Re: Bridging from Early Retirement to SS

I am now 66, retired at age 64. I keep about 1 year's worth of living expenses in a savings account and have about 60% of fixed income in CDs with maturities now at 1,2,and 3 years (had a semi-ladder going out to 5 years). The idea was to have very safe money to get me to age 70 and then start SS. T...
by jimkinny
Fri Mar 07, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Bridging from Early Retirement to SS
Replies: 9
Views: 1482

Re: Allan Roth on "Richest Guy in the Graveyard"

thanks for the link

I have learned a lot from reading Allan Roth. At the depth of the last market melt down he wrote something to the effect that he wished he could bottle the smell of fear and open that bottle when he had forgotten what it was like.

jim
by jimkinny
Fri Feb 28, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 6460

Re: Vanguard International Funds

I am not smart enough to really understand mutual funds/investing other than a few basics ideas. The one that took me a long time to get to was that risk pretty much accounts for all investment returns. You can find hundreds, thousands? but not millions (yet) of funds that beat an index fund until y...
by jimkinny
Fri Feb 28, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Funds
Replies: 10
Views: 1199

Re: Dollar Cost Averaging

I think you should develop a plan and risk level that you can live with because unless you are smarter than the people at Goldman Sachs or have inside information your ideas about timing the markets will just lead you down a losing path.

jim
by jimkinny
Fri Feb 28, 2014 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging
Replies: 5
Views: 568

Re: When to cut and run on owning a home?

Consider paying a home inspector to get an objective opinion re condition of your house. You might get names from several real estate agents that others have suggested you have evaluate your house. Consider looking for someone who is on a FHA list of inspectors or referrals from mortgage brokers, re...
by jimkinny
Mon Feb 24, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: When to cut and run on owning a home?
Replies: 11
Views: 1273

Re: Mid-30s, no dependents, sitting on cash.

TIPS may be the right asset for you. Read this link to a bobcat2 boglehead thread posted in the last week or so. The thread is titled "portfolio theory and the riskless(safest) asset. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=132532&newpost=1953345 I think to implement this s...
by jimkinny
Mon Feb 17, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Mid-30s, no dependents, sitting on cash.
Replies: 17
Views: 1564

Re: How do you DCA into ETFs?

You can do this: Take all your ETFs, sell them and buy a Target Retirement or Life Strategy fund. DCA into the newly bought fund. -or- Take some of your ETFs, sell them and buy a Target Retirement or Life Strategy fund. DCA into the newly bought fund. When you hear the call of an ETF, then sell som...
by jimkinny
Fri Feb 14, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you DCA into ETFs?
Replies: 10
Views: 629

Re: Two Behaviors That Hurt Stock Investors

Whoa whoa whoa... ---> 3. Disposition effect: selling of winners and holding of losers. <--- How is that different from "rebalancing?" (I know: rebalancing involves buying more of the losers, not just holding them). Isn't "selling of winners" at least half of "buy low, sell...
by jimkinny
Fri Feb 14, 2014 8:08 am
 
Forum: Investing - Theory, News & General
Topic: Two Behaviors That Hurt Stock Investors
Replies: 15
Views: 2582

Re: Ding! Check engine light is now on.

Let's hope that we do not have an asset bubble like we now know existed in the last two instances of pe10>25 and hope for continue gains in earnings.

Nothing we can do but it is worth being aware of this, so thanks for the post.

jim
by jimkinny
Tue Feb 11, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Ding! Check engine light is now on. [PE10 exceeds 25]
Replies: 108
Views: 10541

Re: Super newbie; Help me with my 401k?

try calculating the difference in cost to you with a life cycle fund vs 3 fund index. Does the cost make a difference to you? I looked superficially into Fidelity's life cycle funds when I was working and our 403 was with Fidelity. At the time they had maybe 7-10 plus/minus funds in these fund of fu...
by jimkinny
Mon Feb 10, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Super newbie; Help me with my 401k?
Replies: 13
Views: 870

Re: Moving Money from Cash Into the Market Now

if you do not want to do it all at once, try doing it over a period of time and amount that you are comfortable with/able to do. Make a plan, write it down and then do it. I think I did this once over 6 months and about 3 months in to it I got over my fear and committed the rest.

jim
by jimkinny
Mon Feb 10, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money from Cash Into the Market Now
Replies: 12
Views: 1440

Re: Reversing the glide path

YDNAL,yes, in isolation by which I meant in isolation from one's need, willingness and ability to take risk. It is fine to look at the equity/bond markets over a specific period of time and come up with a return based upon historical data but so what? why take on more risk than one needs? I am not w...
by jimkinny
Sat Feb 08, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Reversing the glide path
Replies: 9
Views: 750

Re: Explaining RSP outperformance over SPY

YDNAL wrote: Attributing anything to Small Caps is blowing smoke, IMO! Why? When i read Rick Ferri's article it seemed apparent to me that the putative out performance of the equal weight index was due to small risk but once one had adjusted for risk, they were pretty much the same. Maybe you are sp...
by jimkinny
Sat Feb 08, 2014 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Explaining RSP outperformance over SPY
Replies: 19
Views: 1017

Re: Reversing the glide path

Do you need to take more risk? If not, why consider increasing risk? If you do not need to do so now, why increase now. If you do not need to take on more risk later in retirement, why do so then. I think these studies that treat a portfolio in isolation from the needs, willingness and ability of th...
by jimkinny
Sat Feb 08, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Reversing the glide path
Replies: 9
Views: 750

Re: Portfolio theory and the riskless (safest) asset

Some time I just think people forget that "low risk asset" typically equates to "higher risk of running out of money." :oops: Seems to me that this misses the point. Take the risk you need, are willing and have the ability to take. Bobcat2 is pointing out that TIPS can be a very...
by jimkinny
Sat Feb 08, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Portfolio theory and the riskless (safest) asset
Replies: 54
Views: 3706

Re: Emerging Markets Bonds

TBM fund has gone down somewhere in the range of 4-5% since last may/june, whenever the date was that Bernake convinced the world that QE would be coming to an end. There was a bit of recovery but still, EM and developed market debt took a bit of a hit. So, you would have lost a bit anyway. Even so,...
by jimkinny
Thu Feb 06, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets Bonds
Replies: 20
Views: 1260

Re: First Roth IRA at Age 21

if by the 2060 you meet a target date fund, i would go with Vanguard.

I would probably loan my child the money to start, if needed, as long as a repayment plan was implemented and no hard feelings other than moderate disappointment if not repaid.

jim
by jimkinny
Wed Feb 05, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: First Roth IRA at Age 21
Replies: 12
Views: 691

Re: What is your tax loss harvest strategy?

I think I am more in the range of at least 3-5K right now. Maybe more. I will see what happens in the coming months. I am not interested in the RBD stuff. I am more interesting in something more significant than a few % before it would be worth it to me, due to total portfolio value and equity alloc...
by jimkinny
Sun Feb 02, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your tax loss harvest strategy?
Replies: 13
Views: 902

Re: Mutual funds in IRA when transferring accounts?

To make things simple, I would sell them. If I then really wanted to own them because they were part of my overall plan and they were low cost, passive funds that were somehow unique and I could only get through USAA , I would buy them after the money got to Scwab, assuming availability at Schwab an...
by jimkinny
Sun Feb 02, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Mutual funds in IRA when transferring accounts?
Replies: 4
Views: 202

Re: Short TIPS history

Vanguard starting using their short term TIPS fund as part of their all in one funds months ago. The reason given is that ST TIPS provide the inflation protection without as much volatility of longer term TIPS funds. If you want to see some longer term history of ST TIPS, try searching some ETFs. I ...
by jimkinny
Wed Jan 29, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short TIPS history
Replies: 3
Views: 405

Re: U.S. stocks in freefall

If I recall correctly, without wading through the 14 pages of this thread, the 2011 downturn was presumably caused by the Eurozone. No one knew at the time that it would be the ECB that calmed the waters eventually and no one now knows what the eventual outcome will be. I read again this morning rum...
by jimkinny
Fri Jan 24, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 120993

Re: Shifting towards total stock index

there is no correct answer in that the future is unknown. Maybe stocks will go up another 30% in 2014, maybe go down by 30%. What would you prefer to do now, with this uncertainty? I would likely consider the $300 fairly insignificant and act now to simplify if I thought it would make it possible to...
by jimkinny
Fri Jan 24, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Shifting towards total stock index
Replies: 25
Views: 1689

Re: Should one in Retirement Rebalance

When I first joined this forum there was a poster who wrote that one can rebalance into poverty. I think this is truer for those who are retired or near retirement than those who are working. It also depends on our asset allocation and how frequently one rebalances. I think in retirement it is a lot...
by jimkinny
Tue Jan 21, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Should one in Retirement Rebalance
Replies: 17
Views: 1187

Re: VTIAX in a taxable account - did I make a mistake?

a fairly good reason not to automatically reinvest distributions is to control the timing of buying more of the fund to avoid the "wash" rule if an opportunity for tax loss harvesting occurs.

jim
by jimkinny
Tue Jan 14, 2014 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: VTIAX in a taxable account - did I make a mistake?
Replies: 40
Views: 2366

Re: Is Equity Income fund redundant with Total Stock Market?

I would suggest 2 things I used to have my portfolio simulated on Morningstar and used some of the tools provided to see portfolio fund overlap. I think it was called X-Ray. I do not recall if it was a "premium" service or available for free. Larry Swedroe has written several articles over...
by jimkinny
Thu Jan 09, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Equity Income fund redundant with Total Stock Market?
Replies: 6
Views: 717

Re: Stable Value vs Total Return Bond

While I was working I had access at one time to a Great West stable value "fund". I, like you, was concerned about the lack of diversity but as interest rates kept going lower I finally put some money into this fund. I think I may have split my funds like you are contemplating between the ...
by jimkinny
Wed Jan 08, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value vs Total Return Bond
Replies: 39
Views: 2292

Re: Help with 401K

If I was in my 30s or 40s, investing in tax protected accounts only, I would likely go with the Vanguard Target Retirement dated fund that most closely matches my desired bond/stock allocation. Here is a link to the Vanguard site that has information regarding these funds. https://investor.vanguard....
by jimkinny
Mon Jan 06, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K
Replies: 6
Views: 498

Re: When to start IRA withdrawals

I have chosen not to start SS and pensions until age 69 or 70. I am retired and in the lower end of the federal 15% marginal tax bracket. I do not anticipate ever going over the 25% marginal rate. I will convert some of my traditional IRA funds to Roth IRAs. The amount converted will bring me to the...
by jimkinny
Sun Jan 05, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to start IRA withdrawals
Replies: 11
Views: 887

Re: Kiplinger's 25 Favorite No-Load Mutual Funds

Anyone check these out? http://www.kiplinger.com/tool/investing/T041-S000-kiplingers-25-favorite-fund/index.php I used to read Forbes' annual list of top performing funds before I gave it up as a waste of time and money. Some of the fund's in your linked list I owned at one time, because of reading...
by jimkinny
Sun Jan 05, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Kiplinger's 25 Favorite No-Load Mutual Funds
Replies: 7
Views: 1059

Re: Help reallocating, now that I understand more

The fixed income paying 2.85% is seems attractive, for now anyway, because interest rates are generally low. Everything comes with a price though and I think you will be lending money to a company (Principal ??) in order to get that rate. So, the decision you have to make is it worth the risk to get...
by jimkinny
Thu Jan 02, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Help reallocating, now that I understand more
Replies: 6
Views: 644

Re: Total Bond

Don't worry about interests rates going up, down or staying the same. Compare yields and risk. Is the increase yield of an insured CD is worth the potential early withdrawal penalty? Something like Vanguard's Total Bond Market fund has about 30% corporate bonds, the rest is in federally back bonds. ...
by jimkinny
Mon Dec 30, 2013 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Total Bond
Replies: 13
Views: 1894

Re: Rent Out Condo or Sell It

Being a landlord can be emotionally a challenge. If you want to give it a try, do so. You may like the experience. I did not, but you may.

Selling at a loss is not trivial but would you buy a condo now for 185K in order to rent it out?

jim
by jimkinny
Mon Dec 30, 2013 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Rent Out Condo or Sell It
Replies: 43
Views: 3016

Re: road noise in your car

I replaced the factory tires with a set recommended by Consumer Reports and the handling improved a lot with a very noticeable reduction in road noise. Relatively expensive tires compared to the factory set but well worth the extra money.

jim
by jimkinny
Sun Dec 29, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: road noise in your car
Replies: 27
Views: 1951

Re: I think low cost of living trumps retiring in a no state

I am going to end all tax debates about living from state to state here. According to the Tax Foundation, http://taxfoundation.org/article/state-and-local-tax-burdens-all-states-one-year-1977-2010 most states tax about 8 to 10 percent of the income of it's citizens. That's a pretty narrow range. Ar...
by jimkinny
Sun Dec 29, 2013 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: I think low cost of living trumps retiring in a no state in
Replies: 80
Views: 5270

Re: Vanguard Long TIPS vs Vanguard Short Tips

Is there any data showing how the Short TIPS fund would have performed, in the past, compared to the Long Tips fund? If you are considering the two funds, also consider buying TIPS from Treasury Direct or in a brokerage account. You can set up a brokerage account at Vanguard (or elsewhere) inside a...
by jimkinny
Sat Dec 28, 2013 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Long TIPS vs Vanguard Short Tips
Replies: 11
Views: 887
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