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Rebalancing in May

I have searched the site and can't find posts that suggested that May is good time to rebalance (Go away in May).

Looking at rebalancing our IRAs.

Can anyone link me to a thread on this or at least give me their views?

Thanks in advance
by minskbelarus47
Wed Apr 09, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in May
Replies: 2
Views: 287

Re: Do CDs make sense for investors with a long time horizon

Can one be a market timer when it comes to Bonds and CDs? I have read many inputs of bogleheads poo pooing certain movements and approaches in equities and calling them market timers. Do those same criticisms apply to Bond and CDs trying to capture rate increases and decreases? And I will admit my w...
by minskbelarus47
Tue Dec 10, 2013 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do CDs make sense for investors with a long time horizon?
Replies: 29
Views: 2317

Re: VGPMX: anyone contrarian enough to buy it?

I you are looking for "downside" protection assuming a market timing approach, why not try an inverse ETF like TZA, a small cap bear 3X ETF. I have always thought that anywhere under $20 is a good buy, if you have a crystal ball and know that 2014 will be a year of market fluctuations, you...
by minskbelarus47
Thu Dec 05, 2013 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 34
Views: 4304

Re: Income limits and affects on SS, and other things

CAVEAT EMPTOR - THIS IS NOT TAX ADVICE but something to be aware in your financial decision making process 2013 TAX BRACKETS (Updated) 10% Single -0 up to 8925 Married filing jointly 17850 15% S- 8925--36250 MFJ -- 17850-72500 25% S - 36250 -- 87850 -- MFJ -- 72500-146,400 28% S - 87851 -- 183250 MF...
by minskbelarus47
Thu Dec 05, 2013 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Income limits and affects on SS, and other things
Replies: 7
Views: 647

Re: Income limits and affects on SS, and other things

Ok, looks like I trusted the internet. Will update the chart to reflect 2013 rates. I didn't do Part D because I don't have Part D. Sorry on my part. The reason I did this is that I met with my Fidelity person (and no, she didn't try to sell me an annuity) and we discussed some retirement issues (40...
by minskbelarus47
Thu Dec 05, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Income limits and affects on SS, and other things
Replies: 7
Views: 647

Income limits and affects on SS, and other things

CAVEAT EMPTOR - THIS IS NOT TAX ADVICE but something to be aware in your financial decision making process 2013 TAX BRACKETS 10% Single -8700 Married filing jointly 17400 15% S- 8701--35350 MFJ -- 17401-70,700 25% S - 35351 -- MFJ -- 70701-142,700 28% S - 85651 -- 178650 MFJ 142-701 -- 217, 450 33% ...
by minskbelarus47
Wed Dec 04, 2013 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Income limits and affects on SS, and other things
Replies: 7
Views: 647

Re: Tax Savings and Retirement

Reason for not waiting for one of us was, wife was CSRS Offset (assume you know about this), and she retired at 62, and so if she wanted to get her full retirement at that time, which is the combination of her CSRS and SS benefits, she took her SS at that time. I retired at 66 and stopped working a ...
by minskbelarus47
Wed Nov 27, 2013 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Savings and Retirement
Replies: 8
Views: 1026

Tax Savings and Retirement

Just retired at 66. Wife retired 2 yrs ago, and in 4 months turns 66. 2 Fed retirements, 2 SS checks currently. When we were working, salaries were high (300+) as I was also getting my retired military pay, so thought our tax bracket too high to do Roth conversion. Looking back, I wonder if I missed...
by minskbelarus47
Wed Nov 27, 2013 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Savings and Retirement
Replies: 8
Views: 1026

Missing the Boat on Roths

I have a Roth conversion question. Did I miss the boat. I am not looking for validation (maybe I am), but in the last 5-8 yrs our incomes hovered from 280K to 320, so in a high bracket, I look back at not having taken advantage of moving money to Roth's. I am retired military and defense contractor ...
by minskbelarus47
Wed Nov 06, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missing the Boat on Roths
Replies: 9
Views: 2464

Certified Retirement Financial Planner

A friend at work asked me about retirement planning, and I told him about the Bogleheads (did you see the special last night on TV?) and once you get through the Wiki and some basic reading, it was pretty simple. I passed on to him the article "The Power of Passive Investing". Friend told ...
by minskbelarus47
Wed Oct 30, 2013 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Certified Retirement Financial Planner
Replies: 3
Views: 443

Re: selling home--want more income

I would ask also, do you have long term care insurance. Do you have additional funds set aside for the final years. Read an article that says in your final years (5) you will spend between 177K and 200K on end of life expenses. Do you have a set aside to cover that? If you live in a low cost area an...
by minskbelarus47
Wed Oct 23, 2013 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: selling home--want more income
Replies: 22
Views: 2124

Re: Vanguard vs Fidelity 3 Fund Portfolio

Ahhhhh, so many of you invest in variations of the 3 fund portfolio. Do your returns match up. Are your returns beating the market averages?

Or do you do this because the 3 fund is "just too simple"....

Also have read where you add REITs? 3 fund plus REITS.
by minskbelarus47
Wed Oct 23, 2013 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Fidelity 3 Fund Portfolio
Replies: 15
Views: 1988

Vanguard vs Fidelity 3 Fund Portfolio

Is there any difference between the Vanguard three fund portfolio and the Fidelity three fund portfolio? I have added the ETF equivalents just to muddy the waters. See below I do notice the yield on VSUX is considerably higher (3+%). I assume the bond fund would be in a tax deferred, and they are pa...
by minskbelarus47
Wed Oct 23, 2013 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Fidelity 3 Fund Portfolio
Replies: 15
Views: 1988

Re: Father left my Mother Suddenly, Need advice

Why do you say half of his pension.

In some states, pensions, even military pensions, are considered "property" and are not limited to a 50% division, but can be considerably higher.

This is what lawyers get paid for. And look for a female judge...
by minskbelarus47
Wed Sep 25, 2013 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father left my Mother Suddenly, Need advice
Replies: 64
Views: 9630

Re: Suspending SS after three years of collecting

Perhaps you Bogleheads can help me out. the mystical "someone" told me that if you don't need your SS but you start taking it at 62 or 66 and you invest it (I don't know what return either), "they" said that the lines NEVER CROSS if you take you SS at ages 62, or 66 (full retirem...
by minskbelarus47
Wed Sep 25, 2013 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suspending SS after three years of collecting
Replies: 26
Views: 1739

Re: Suspending SS after three years of collecting

Thanks for straightening me on on the family cap. Yes, if both have earned their separate SS accounts, they can draw both without penalty.

I was wrong....
by minskbelarus47
Wed Sep 25, 2013 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suspending SS after three years of collecting
Replies: 26
Views: 1739

Re: Suspending SS after three years of collecting

My question is...do you love your job soooo much that you want to continue working. Or, are you not going to work and just wait. Remember too, that let's say you were were a relatively high income earner, and your wife, let's say, is or had a good job too. Now, with you working more or waiting to ge...
by minskbelarus47
Tue Sep 24, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suspending SS after three years of collecting
Replies: 26
Views: 1739

Re: Just applied for Social Security

Anyone see the Kiplinger's article on the best tax states. Penn and Miss best for retirement income as they do not tax anything income derived. Pensions, cash ins on IRA's or 401Ks, Social Security, retirement incomes (Fed, Mil, state pensions too), Interesting. So where do they get their money???
by minskbelarus47
Fri Sep 06, 2013 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just applied for Social Security
Replies: 36
Views: 2940

Re: Just applied for Social Security

While I know that the lines cross for taking/not taking your SS around age 77 and 10 months, I had read somewhere (that magical "they") that if you bank your social security those lines NEVER cross. I don't know how much or how long to bank your SS. I think this discussion was more about t...
by minskbelarus47
Fri Sep 06, 2013 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Just applied for Social Security
Replies: 36
Views: 2940

Re: Just applied for Social Security

Interesting that you ask that. I did answer the question that is oddly put that I want to start receiving benefits as soon as I can upon reaching my full retirement age, meaning 66. It then said that I would be paid on 9/20/2013. I would have thought that my first check would be in Oct, but it seems...
by minskbelarus47
Fri Sep 06, 2013 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Just applied for Social Security
Replies: 36
Views: 2940

Re: Just applied for Social Security

Maybe just any lessons learned then?
by minskbelarus47
Thu Sep 05, 2013 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just applied for Social Security
Replies: 36
Views: 2940

Just applied for Social Security

I just applied for SS for my full retirement age (66). In addition some 15 yrs ago we refi'd to a 15 yr mortgage so that when I would hit my SS age, no mortgage, and we would have SS inflow and less outflow. Figure this comes to a difference of about $4K or so. Well I do feel a little smug but give ...
by minskbelarus47
Thu Sep 05, 2013 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just applied for Social Security
Replies: 36
Views: 2940

Fidelity Equivalent to Vanguard Funds?

What are the Fidelity equivalents to the folloiw VG funds. VBMFX - TOTAL BOND VTSMX - TOTAL STK VGTSX - TOTAL INT'L VGSIX - REIT VFWIX - ALL WORLD EX-US View on FFNOX as a total index fund? Looking at a 3 fund or 4 fund portfolio, and while I can do the VG funds, would like to know the equivalents f...
by minskbelarus47
Thu Jul 18, 2013 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Equivalent to Vanguard Funds?
Replies: 3
Views: 507

Re: 4% rule and dying broke

I would like to know when you plan to die. I think that is the operative question, and the last time I looked, we didn't come with a time stamp...

Not to be flip, but THAT is the big question...
by minskbelarus47
Mon May 06, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 4% rule and dying broke
Replies: 62
Views: 6157

Buffet Blasting Bonds

Buffet just blasted bonds. His reason is that "some guy is buying 85 billion a month" to support it and that you can lose a lot of money. Said it was a bad investment, esp with long term securities.

I wonder how this statement will reverberate in the bond market...
by minskbelarus47
Mon May 06, 2013 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Buffet Blasting Bonds
Replies: 20
Views: 2388

Re: Sold a house. Confused about what to do with the money.

In the right situation, cash is like hot chocolate with marshmellows. A cold one after cutting the lawn. Look at some other financial considerations. 6-9 months of emergency funds? Long term care insurance? Rule of life? I would reward myself with a weekend trip or a nice overnight and dinner for a ...
by minskbelarus47
Mon May 06, 2013 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Sold a house. Confused about what to do with the money.
Replies: 20
Views: 1361

Re: Rebalancing advice

Went to the Wiki and printed out the written plans.

Ok, need to kinda start over from the beginning at least conceptually where I am. Looking at changing to 4-5 fund/ETF for model portfolio.

thanks for stressing the importance of putting it in writing.
by minskbelarus47
Mon May 06, 2013 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing advice
Replies: 7
Views: 424

Re: Retired and where to invest?

The responses in this post are just great and insightful. It has answered many of MY questions as to what to do as I near retirement.

Had my wife read the posts. Said..what are we waiting for...

I think this should be a mandatory read for all visitors to the forum.

thanks...

mb
by minskbelarus47
Sat May 04, 2013 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Retired and where to invest?
Replies: 10
Views: 1167

Rebalancing advice

With about 600K invested in a mix of tax deferred and taxable account (safe money in Gfund and BND), I find myself about 100K up since Jan in these equities. Looking at 3 options: 1. Do nothing. Wait until end of year to rebalance or rebalance now and keep "the money in play in equities." ...
by minskbelarus47
Sat May 04, 2013 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing advice
Replies: 7
Views: 424

Rebalancing and/or taking money off the table

First, Any comments on.... AAII article in April 2013 on rebalancing and that author of the article rebalances either in November or May, since historically the highest rises in the market have been from November to May. Gotta rebalance some time I guess. Also, he, the author, rebalances when alloca...
by minskbelarus47
Tue Apr 30, 2013 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing and/or taking money off the table
Replies: 5
Views: 944

Re: How to Construct a "Larry Portfolio"

Why do all this work. Do a search on this forum either on "backtested portfolios" or just do a search on Ferree. This will or should get you to an excel spreadsheet of the many backtested portfolios, i.e., Rick Ferree Core 4, Coffeehouse, Bernstein, etc. If I knew how to post a link, I wou...
by minskbelarus47
Tue Apr 30, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Construct a "Larry Portfolio"
Replies: 5
Views: 1776

Backtested Portfolios

Back in 2007 there was a link to many of the different portfolios (Rick Ferree Core 4, Coffeehouse, etc) in a backtested excel spreadsheet.

Does anyone know if there is a current version of the same spreadsheet using 2011 or maybe 2012 data?

Thanks in advance for any help.

MB
by minskbelarus47
Wed Feb 13, 2013 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backtested Portfolios
Replies: 2
Views: 293

Fidelity Personal Retirement Account/Variable Annuity

I did a search on Google and came up with a Bogleheads string, but there seemed to be conflicting advice there, esp regarding costs/expenses. Just wondering if there are better options or if this is worthwhile to explore. Here is situation. Wife govie already retired and drawing SS. I, 65, still wor...
by minskbelarus47
Sun Dec 16, 2012 1:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Personal Retirement Account/Variable Annuity
Replies: 10
Views: 939

Re: Will the real Total Bond Index Fund please stand up?

What would be the affect of a .5% FOMC interest rate hike, and then a 1 % interest rate hike on this fund. Whenever I (or anyone else) posits the question, the Bogles say then that I/we am trying to time the market, and they never answer the question. If the NAV is 11.00 or thereabouts what is the a...
by minskbelarus47
Wed Aug 22, 2012 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will the real Total Bond Index Fund please stand up?
Replies: 30
Views: 5328

Re: Tax Saving Strategies

OK, some answers. Never could do Roths as salaries too high then. Still in 33% bracket, figure will be at 25 when in retirement. Wife has best of all worlds. CSRS Offest, a retirement mix of old CSRS and FERS. She paid into SS and gets almost her full amount. CSRS was offset just a few hundred dolla...
by minskbelarus47
Wed Jul 18, 2012 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Saving Strategies
Replies: 12
Views: 1432

Tax Saving Strategies

Looking for obvious, glaring, tax saving strategies as I go down the random walk towards retirement. Am 65, still working, had to get Part A&B Medicare, wife is 63. I am retired military will do SS at 66 (next year) and either work p/t or stop, she is retired govie + SS. Retired income all COLA ...
by minskbelarus47
Wed Jul 18, 2012 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Saving Strategies
Replies: 12
Views: 1432

Re: Should I purchase American Funds at NAV or index funds?

Besides scouring the BOGLEHEADS.ORG\WIKI, which will lead you down the righteous path, I have found that the American Association of Individual Investors is a pretty smart financial mag. This months has a great article on Rick Ferree's Core 4 portfolio and they analyze it into oblivion and it still ...
by minskbelarus47
Wed Jul 11, 2012 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I purchase American Funds at NAV or index funds?
Replies: 27
Views: 1962

Re: FED (FOMC) Notes Today

Sorry

Go ahead and delete this.

Mea culpa
by minskbelarus47
Wed Jun 20, 2012 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: FED (FOMC) Notes Today
Replies: 2
Views: 225

Re: 45 and wondering if I should stop investing altogether?

We have these conversations at work all the time. One thing resonates from our very patriotic group. Many of us are first generation Americans (our moms and dads came here), and this is still the land of unlimited possibilities. It was, is, and continues to be. More rich, educated Asians (am I allow...
by minskbelarus47
Wed Jun 20, 2012 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 45 and wondering if I should stop investing altogether?
Replies: 67
Views: 7739

FED (FOMC) Notes Today

Anyone have any great ideas (not that it matters) on what the Fed said today and any prognostication on September? Talking heads said something like they are going to keep rates low with the possibility of QE3, 4, and possibly 5. Any hints of interest rate rise? Impacts. Just nice to know stuff. Tha...
by minskbelarus47
Wed Jun 20, 2012 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: FED (FOMC) Notes Today
Replies: 2
Views: 225

Re: Vanguard or Fidelity..does it matter ?

I used a one time Vanguard financial planner (free from my company 401K), and he recommended some Vanguard Funds and some Fidelity. I went to Fidelity and they basically did the same. Recommended VG funds and ETFs. Fidelity website and planning tools pretty easy to use. I can walk to the Tyson's Cor...
by minskbelarus47
Wed May 16, 2012 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 8909

No, I always think that letting some uninterested third party decide who gets my stuff is always best. Wrong...

Start with a google and boglehead search on wills and trusts.

You'll get smarter...
by minskbelarus47
Wed Sep 28, 2011 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should a 28 year old establish a Will?
Replies: 15
Views: 992

Agree, but if I am basically going to get bonds and TIPS and keep in a tax deferred fund, isn't there value in getting and keeping the VERY low expensed institutional shares in my company's 401K plan? Otherwise, I might just transfer the Mass Mutual 401K into an already existing Fidelity IRA, which ...
by minskbelarus47
Thu Aug 18, 2011 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401K
Replies: 4
Views: 681

Vanguard 401K

Am switching jobs from a Mass Mutual 401K to a company with Vanguard 401K. Can I plug the Mass Mutual into my Vanguard 401K account? Who should initiate? Does Mass Mutual push to Vanguard? or do I go to Vanguard and have them contact Mass Mutual. I would assume that I would be eligible for instituti...
by minskbelarus47
Wed Aug 17, 2011 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401K
Replies: 4
Views: 681

No new cars. Pay off these and drive them til they die. Promise yourself no new cars...ever. 4yr olds are just fine. Pay down debt. 2nd and 3rd. already covered. Wife has to be earning. Come up with Plan...by time kids are in school, wife has a skill, degree whatever to get into work force. Best is ...
by minskbelarus47
Mon Aug 01, 2011 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment advice Needed..Leaving Earth Tomorrow
Replies: 28
Views: 3935

Spreadsheet Backtesting

Does anyone have more information on this? Does anyone have any favorites and reasons why. I would assume it depends upon your personal asset allocation model, and wonder if there is an update that includes 2011 data. What would be a good portfolio for a 30 yr old 50 yr old 60+ retirement yr old??? ...
by minskbelarus47
Fri Jun 10, 2011 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet Backtesting
Replies: 0
Views: 249

SS and Roth

Altho a totally different threat, wouldn't I have to keep my hands off any Roth converted monies for 5 years, or does this not apply for those over 59.5.
by minskbelarus47
Fri Jun 10, 2011 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security and Tax Deferred Withdrawals
Replies: 15
Views: 1480

More

Ok....I erred when I said that wife gets max of SS. Wife gets about half of the max (around 1200 and I should get around 2400, so I think that we may be bumping up against the max household amount. Second, wife is CSRS Offset, which allows for social security (full amount that she is due-not max amo...
by minskbelarus47
Thu Jun 09, 2011 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security and Tax Deferred Withdrawals
Replies: 15
Views: 1480

Great replies and thanks to all. For all the reasons you have stated, do you see any advantages of delaying SS benefits at 66, taking them at 70, and at 66 start drawing down or spending from my tax deferred accounts in those interim years. I think in previous posts around the blog I have mentioned ...
by minskbelarus47
Wed Jun 08, 2011 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security and Tax Deferred Withdrawals
Replies: 15
Views: 1480

Suggest you read the books

Halftime by Buford

or

the Man in the Mirror

Talks about leading a life of significance vs pursuing endless success...

If you are defined by your job/work, you will have difficulties with/in retirement.
by minskbelarus47
Wed Jun 08, 2011 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: The benefits of delaying retirement
Replies: 117
Views: 10062
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