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Re: Capital preservation in retirement

I am also retired. I am now about 35%/65. The 65% fixed income is mostly insured CDs. I started getting CDs about 4 years ago, initially bought 2,3,4,and 5 year CDs from a local credit union. 1-2 year latter bought CDs from Ally. These were all in an IRA, originally at Vanguard. I then started buyin...
by jimkinny
Thu Mar 26, 2015 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital preservation in retirement
Replies: 20
Views: 2027

Re: Should tilters recommend tilting to beginners?

I am going to make a guess that most people on this forum who "truly believe" that a small value tilt has a greater risk adjusted return can not quantify that return, do not know how long of a holding period may be required before any theoretical greater return is captured nor even what fu...
by jimkinny
Sat Mar 14, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 2720

Re: At age 27, how much should I have saved up for retiremen

2 thoughts and I will leave it up to you to find the information on the Boglehead Wiki 1- locate the retirement calculators. These are tools in which you input various parameters and the output is the income in retirement. This will lead you to thinking a lot of about rate of returns, inflation, pen...
by jimkinny
Sat Mar 07, 2015 5:45 am
 
Forum: Investing - Help with Personal Investments
Topic: At age 27, how much should I have saved up for retirement?
Replies: 30
Views: 3450

Re: Retirement planning - Too soon for TIPS?

Why don't you look up what Vanguard does with some of their target retirement funds. I know they have the short term TIPS fund in some of their funds but I would only be guessing at how much of an allocation they have. I do know that the target date funds have more TIPS the shorter the time to reti...
by jimkinny
Thu Feb 26, 2015 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 25
Views: 2344

Re: Retirement planning - Too soon for TIPS?

Why don't you look up what Vanguard does with some of their target retirement funds. I know they have the short term TIPS fund in some of their funds but I would only be guessing at how much of an allocation they have. I do know that the target date funds have more TIPS the shorter the time to retir...
by jimkinny
Wed Feb 25, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 25
Views: 2344

Re: 3-1/3% SWR = you can manage it by intuitive household bu

Thanks for the link. I do not know if I read Taylor's post at the time but I do remember him posting that this draw-down stuff can be done on the back of an envelope. This made an impression on me and I started viewing a lot of the SWR stuff as mostly based on shifting sand. Seems like I have read 2...
by jimkinny
Thu Feb 19, 2015 10:21 am
 
Forum: Investing - Theory, News & General
Topic: 3-1/3% SWR = you can manage it by intuitive household budget
Replies: 40
Views: 3647

Re: What is a Value Premium?

Keep in my the value premium has attributes akin to the vapors that used to cause some diseases.

Jim
by jimkinny
Mon Feb 16, 2015 5:03 am
 
Forum: Investing - Theory, News & General
Topic: What is a Value Premium?
Replies: 5
Views: 462

Re: Wiki comments requested: The importance of asset allocat

Rick Ferri posted a link to his article about the 60/40 portfolio several days ago and when it is not the best allocation. Seems rather appropriate as it relates to the topic heading of this article. Vanguard used to have some advice on their website also. Vanguard used to advise that the most impor...
by jimkinny
Tue Feb 10, 2015 5:29 am
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10597

Re: When 60/40 just isn't appropriate

Rick Ferri: thanks for the link to your article. I found the two charts of rolling 5 years risk/returns charts particularly informative. The charts put some numbers on the lesson I learned in the great recession and from reading about the years 1930 to 1940. I agree that 30/70 is a good place to sta...
by jimkinny
Tue Feb 10, 2015 5:16 am
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13492

Re: What Experts Say About "Simplicity"

Thanks Taylor,

It took me awhile, but with your persistence, I finally came around and learned enough to keep things simple.

Jim
by jimkinny
Sun Jan 25, 2015 6:30 am
 
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 7
Views: 2229

Re: taxable account investment options

The standard has been to put bonds in a tax protected account. I think I would know 2 things: how much is it going to cost me in taxes by having a target date fund in taxable. Is the tax worth it to you for the simplicity. The tax on bond income is taxed at your marginal rate. You could also take a ...
by jimkinny
Mon Jan 19, 2015 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: taxable account investment options
Replies: 4
Views: 531

Re: IRA CD experiences or precautions?

Is a CD from State Farm insured?

The delays, phones calls and forms is why I quit buying CDs inside an IRA from any source other than Vanguard brokerage.

jim
by jimkinny
Mon Jan 19, 2015 7:24 am
 
Forum: Investing - Theory, News & General
Topic: IRA CD experiences or precautions?
Replies: 8
Views: 1004

Re: How Long Do You Keep Tax Records?

I scanned all of my financial records several years ago. I keep every thing backed up on several devices. Maybe I will add "Cloud" in the future but security is an issue for me. I do not delete these files. I think I have stuff going back to 2004 or so. Since I do not have to have space fo...
by jimkinny
Sun Jan 18, 2015 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How Long Do You Keep Tax Records?
Replies: 28
Views: 2474

Re: Medigap

I went through this several years ago. The first decision is between Medicare Advantage vs Medigap. I chose Medigap because I expected to move. Many like the advantage plans that bundle a drug package vs with Medigap having to get a separate drug plan insurance if you want drug coverage. The state i...
by jimkinny
Sun Jan 18, 2015 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 818

Re: Time to protect against rising inflation?

Kind of explains the 10 year Treasury yield. Remember all of angst over the QE stuff? I know that we are supposed to pay attention to the core inflation rate but eventually I would think the oil crash would affect the core rate. Maybe not or it is offset by consumer spending, still...... Of course i...
by jimkinny
Fri Jan 16, 2015 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Time to protect against rising inflation?
Replies: 31
Views: 2706

Re: New Boglehead Here - Advice on 401k Allocation?

Check out this long thread on 3 fund portfolio [urlhttp://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005][/url] I am not an expert but Taylor is. Also consider getting 2 books: The Boglehead Guide to Investing and also the Guide to Retirement. The people who wrote those books are experts. I...
by jimkinny
Fri Jan 16, 2015 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Here - Advice on 401k Allocation?
Replies: 6
Views: 719

Re: My Investment Owner's contract

Can not go wrong with that book. Think about risk a lot. Rick Ferri wrote an article a year or so ago that recommended investors work up to a higher equity allocation, first learn their risk level need, ability and willingness by starting lower and after a market cycle, make an increase in riskiness...
by jimkinny
Thu Jan 15, 2015 11:21 am
 
Forum: Investing - Theory, News & General
Topic: My Investment Owner's contract
Replies: 13
Views: 1073

Re: 3%, 10-year CD bought today

Most of my fixed income is in CDs, mostly brokered, just so much more convenient. I have 10 year CDs, 9 year,8 year......the ladder has a dollar weighted years to maturity of 4-5 years, do not remember exactly. Created the ladder over several years. How many bonds do you think the TBM fund has that ...
by jimkinny
Thu Jan 15, 2015 11:10 am
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3434

Re: My Investment Owner's contract

Maybe you should take a break, make no decisions and read read these two books: the Boglehead Guide to Investing and Guide to Retirement. Yesterday you had two posts that seem to indicate that you are trying to get to place where this investing stuff is less of drama. If you really pulled out of the...
by jimkinny
Thu Jan 15, 2015 9:26 am
 
Forum: Investing - Theory, News & General
Topic: My Investment Owner's contract
Replies: 13
Views: 1073

Re: first time investing

Invest 10-20 bucks in two books, Boglehead Guide to Investing and Guide to Retirement. Amazon.

A lot of people make this stuff out to be complicated and high science. It is not.

Read the books, come back here and post a plan if you want to. Try to remember to keep it simple.

JIm
by jimkinny
Mon Jan 12, 2015 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: first time investing
Replies: 3
Views: 390

Re: Treasury funds - combining for duration

Why buy a fund, buy from Treasury Direct or buy using a brokerage account. The process seems a bit intimidating at first but really is quite simple. There are a lot of on line "how to" sites. For TD there is no cost, for a brokerage it likely will be very small or nothing. I did not pay an...
by jimkinny
Mon Jan 12, 2015 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury funds - combining for duration
Replies: 4
Views: 449

Re: Psychology vs. Fundamentals of investing

I accept that the markets are efficient enough to rule out that I would have any kind of edge over others. From this I accept that for the most part any difference in returns on a risk adjusted basis is pretty small, or will be so small in the future that again there is no tangible benefit that I ca...
by jimkinny
Thu Jan 08, 2015 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Psychology vs. Fundamentals of investing
Replies: 61
Views: 4586

Re: Need help increasing my bond/fixed income portion

There are calculators on the web and at Vanguard that can give you some guidance in choosing a tax free or taxable bond/cd/fund. I just tried one with a 28% fed tax rate and the taxable rate needed for a bond was 2.78% to achieve a tax free yield of 2%. You could buy a brokered CD and keep all of yo...
by jimkinny
Thu Jan 08, 2015 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help increasing my bond/fixed income portion
Replies: 11
Views: 1335

Re: Remind me: why am I holding VG's longer-term TIPS fund?

If the difference in yield is only 0.12% between the shorter term TIPS and longer term, I would trade that 0.12% for lower term risk. I would still have inflation the inflation protection and that is why I had TIPS at one time. Didn't Vanguard replace the long term fund for the short term in some of...
by jimkinny
Wed Jan 07, 2015 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3496

Re: Was it a mistake to move into PenFed 5-year CDs a year a

I am fairly satisfied with having mostly CDs for fixed income, simply because I have received a greater return than Treasuries, and will continue to do until the maturity date. The day to day, month to month NAV of bonds funds is trivial, unless you can predict when to get in and out, which none of ...
by jimkinny
Tue Jan 06, 2015 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 5030

Re: Balanced Fund, Keep My Own Allocation or Simplify?

Your most important decision is how much stock vs bonds you have. I would consider jettisoning any allocation under 10%, except for cash, if that is your emergency stash. My guess is that some of the funds you looked at that did better than your personal return did so because of a higher equity allo...
by jimkinny
Thu Jan 01, 2015 4:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Balanced Fund, Keep My Own Allocation or Simplify?
Replies: 4
Views: 737

Re: Why Does The 60/40 Work So Well?

I think there are some assumptions that may not be entirely accurate in the idea that a 60/40 allocation is some sweet spot that works better than others. Perhaps most investors in the age range 50-70 would have been better off investing in LT Treasuries and no stocks. Many people might sell at mark...
by jimkinny
Tue Dec 30, 2014 5:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Does The 60/40 Work So Well?
Replies: 31
Views: 4881

Re: Home Ownership in Retirement

I would not base a decision on where to live upon property taxes. I have found that some states have high property taxes but the tax may be frozen for retirees or discounted, the income taxes for SS, IRA withdrawals and pensions may be lower than earned income tax rates and that there is a correlati...
by jimkinny
Sun Dec 28, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Ownership in Retirement
Replies: 18
Views: 3134

Re: What percentage of your retirement expenses will be cove

I am at 100% or so covered by pensions and ss, retired 2 years ago and have not started SS and a pension yet. I have a conservative allocation and I likely will not rebalance any time soon or change that allocation. Perhaps once I start SS I will take on more risk. I think I have the ability but the...
by jimkinny
Sun Dec 28, 2014 7:11 am
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your retirement expenses will be covered
Replies: 34
Views: 3581

Re: Downloading TurboTax - tips for an easy process

Thanks for the post. I am pretty sure I will stop using TurboTax. I have used it for maybe 12 years now. I do not understand why TT, google, MS, apple etc.... want us to use the cloud for storing data and I do understand the appeal but I am confident it is not purely out of benevolence and good will...
by jimkinny
Thu Dec 25, 2014 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Downloading TurboTax - tips for an easy process
Replies: 20
Views: 4517

Re: Timing to rebalance portfolio

If there is any expert who can actually succeed at market timing, that person will not be found on this forum giving away the secret to making a fortune. 2 good books: Boglehead Guide to Investing and also Guide to Retirement, at amazon. A lot of the stuff in the books can be found on the Boglehead ...
by jimkinny
Thu Dec 25, 2014 8:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing to rebalance portfolio
Replies: 16
Views: 2041

Re: vanguard ira v vanguard brokerage ira

Vanguard is transitioning to all brokerage accounts. Maybe this is what is going on. Call or email them to find out if this is what is going on.
by jimkinny
Thu Dec 25, 2014 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard ira v vanguard brokerage ira
Replies: 1
Views: 391

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

Well, all of the above is correct but pretty much what was written could apply to any type, term of a fixed income instrument. Bonds, bond funds, cds or whatever else there is out there. Do you think Vanguard's Total bond fund (duration somewhere around 5 years) is composed solely of 5 year bonds? O...
by jimkinny
Thu Dec 25, 2014 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5284

Re: Simplifying by dropping REIT and TRF

What is your plan? Do you have any idea of what asset allocation you want and how what you own fits that plan? I do not understand what your are doing? You have some of this, some of that, a little here..... You might want to spend some time on the Boglehead Wik reading about plans, allocation etc.....
by jimkinny
Wed Dec 24, 2014 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Simplifying by dropping REIT and TRF
Replies: 6
Views: 1181

Re: Using balanced funds to avoid rebalancing

I am continually impressed Nisi with your posts. There are no experts on this forum who maintain that rebalancing increases returns and yet there are many on this forum who seem to think there is a "bonus". I was reading yesterday a thread and someone casually mentioned it as a known fact....
by jimkinny
Sun Dec 21, 2014 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2609

Re: Have funds in IRA, should I open a Roth?

I decided to just suggest you read this:

[url][/url]http://www.investopedia.com/articles/retirement/03/012203.asp

Article is "Roth vs Traditioanl IRA....."

jim
by jimkinny
Sat Dec 20, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Have funds in IRA, should I open a Roth?
Replies: 8
Views: 655

Re: Help Needed ETF Picking: Tax Implications

At one time I wanted perfection but eventually realized that most of this stuff is pretty trivial. It looks to me like you got the important stuff nailed. I would not do anything. I would simply count the large,mid and small as a close enough equivalent to VTI to just count it as such. You can find ...
by jimkinny
Sat Dec 20, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Needed ETF Picking: Tax Implications
Replies: 3
Views: 371

Re: Credit Risk vs. Term Risk

I prefer, now and for the last several years, to take the credit risk and not the term risk in a bond fund. I am not adverse to term risk in that I have a 10 year CD ladder and this makes up maybe 80-85% of fixed income allocation. Perhaps I am influenced by my low equity allocation or my high alloc...
by jimkinny
Thu Dec 18, 2014 5:43 am
 
Forum: Investing - Theory, News & General
Topic: Credit Risk vs. Term Risk
Replies: 11
Views: 989

Re: Individual Bonds vs. Bond Funds

Larry Swedroe has written frequently on his blogs, books etc....re bond funds vs bonds and what to look out for when buying munis. Google

I am not an expert but he is.
by jimkinny
Wed Dec 17, 2014 6:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual Bonds vs. Bond Funds
Replies: 9
Views: 1207

Re: Buying Vanguard Energy Index

I used to think like you. What I was really doing is just thinking that if something sold at $110 six months ago and now is at $60, then the $60 must mean it is really cheap, on sale, whatever.... As if I knew what the value should really be. What expertise do you have that is warrants you thinking ...
by jimkinny
Wed Dec 17, 2014 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard Energy Index
Replies: 22
Views: 2956

Re: New to investing, eager to learn, experienced with s avi

Check out the boglehead wiki re backdoor roths, lump sum investing vs over predetermined time frame. I recall reading recently that the Wiki (linked above, right) back door roth article had been updated. The old lump sum conundrum: as i recall statistically one is better off doing a lump sum, but if...
by jimkinny
Wed Dec 10, 2014 4:15 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing, eager to learn, experienced with saving
Replies: 5
Views: 636

Re: Real Return/Risk Assumptions

There have been multiple threads re your topic. I would search this site using some of the prominent names appearing on this site in conjunction with the topic because their names seem to come up on these threads: Swedroe, Berstein, Ferri and Bogle and you might try also Google. I know L. Swedroe ha...
by jimkinny
Sun Dec 07, 2014 5:41 am
 
Forum: Investing - Theory, News & General
Topic: Real Return/Risk Assumptions
Replies: 5
Views: 672

Re: BND or a CD

I think CDs are the better deal now. The early withdrawal, even with a penalty, can be very helpful. But, that comes with a bit of price, finding an insured CD, at a bank or CU, opening an account etc.....For many of us, local rates are not competitive. So, I am moving towards brokered CDs: very con...
by jimkinny
Thu Oct 30, 2014 7:51 am
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 11056

Re: SS Tax, RMD and Roth Conversions

Thanks for your replies. I did do a lot of modeling with both taxcaster and the calculator based upon the worksheet contained in IRS publication 915, calculating one's income tax on SS, the two brackets with variable RMDs. My conclusion was consistent with your replies: it is not a good idea to go i...
by jimkinny
Sun Oct 26, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Tax, RMD and Roth Conversions
Replies: 6
Views: 819

SS Tax, RMD and Roth Conversions

I am 66, retired, and have not started collecting SS yet, recently started collecting one very small pension and will wait awhile before starting another (or lump sum) that is in the form of an annuity from an insurance company. I have done one TIRA to Roth conversion this year, the conversion will ...
by jimkinny
Sun Oct 26, 2014 6:20 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Tax, RMD and Roth Conversions
Replies: 6
Views: 819

Re: How much does your home *really* cost?

As a previous poster noted, comparing a house to an apartment is not a accurate comparison because of number of factors. Perhaps a condo to an apartment would be fairly accurate but there is still intangibles that that could be favorable to one or the other: freedom to easily move or "pride of ...
by jimkinny
Fri Sep 05, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4409

Re: savings and staying course with investment strategy

Robert T
This post and your recent post re total bond market vs total stock market have been refreshing.

Thanks,

Jim
by jimkinny
Mon Jul 28, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: savings and staying course with investment strategy
Replies: 8
Views: 2066

Re: Florida Retirement Communities advice/thoughts

I would like to thank every one for sharing their knowledge. I really appreciate everyone taking the time. In general, I envision parking my car for a week or two at time, maybe using a bicycle (with or without a battery powered motor) or a golf cart to get around. I had no idea one could get to nea...
by jimkinny
Mon Jul 28, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 30
Views: 4765

Florida Retirement Communities advice/thoughts

I have not lived or spent any significant time in Florida. I am thinking about trying a retirement community there. I would like to live in a community that will allow me much less car dependent. Being right on one of the coasts is not a requirement, but being within one hours drive of the coast is....
by jimkinny
Sun Jul 27, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 30
Views: 4765
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