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How do you determine your withdrawal rate?

I would like to know how Bogleheads calculate withdrawal rates. I can imagine different ways of determining one's withdrawal rate, and I wanted to find out if there was a consensus on this issue. Let's consider a hypothetical case.... Let's say your portfolio balance at the end of 2014 is exactly $1...
by mptfan
Thu Dec 18, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you determine your withdrawal rate?
Replies: 13
Views: 1205

Re: Help me choose a bond fund

I would choose the PIMCO fund, and as a Boglehead, I would choose that fund even over the Vanguard Total Bond Market Fund because it is much close to a "total" bond fund in that it invests in bonds from the entire bond market like high yield bonds and foreign bonds and TIPS while the Vangu...
by mptfan
Wed Dec 17, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose a bond fund
Replies: 9
Views: 1314

Re: If you don't need the Soc Sec, when to start taking it?

Passing the breakeven point is an event of absolutely no consequence. There is no reason to insure against it. Running out of money is an event of consequence. It makes sense to insure against that. The odds of the two events are quite different. I see your point, but you are not insuring against &...
by mptfan
Thu Dec 11, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4255

Re: If you don't need the Soc Sec, when to start taking it?

That analogy does not hold because the vast majority of homeowners will never have a fire that destroys their house, whereas EVERYONE WILL DIE, it's only a question of when. And the WHEN is EXACTLY what you're insuring against. The Analogy is Spot on! We will have to agree to disagree. Even if I ac...
by mptfan
Thu Dec 11, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4255

Re: If you don't need the Soc Sec, when to start taking it?

That analogy does not hold because the vast majority of homeowners will never have a fire that destroys their house, whereas EVERYONE WILL DIE, it's only a question of when. And the WHEN is EXACTLY what you're insuring against. The Analogy is Spot on! We will have to agree to disagree. Even if I ac...
by mptfan
Thu Dec 11, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4255

Re: If you don't need the Soc Sec, when to start taking it?

I know this question will probably not help you decide, but as a CPA I get asked that question all the time. My response is: "How long are you going to live?" If someone asked you if they should buy Fire Insurance for their home, would your answer be "Are you going to have a Fire?&qu...
by mptfan
Thu Dec 11, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4255

Re: Poll: Dividend income to match annual salary?

I do not consider my annual salary as part of my analysis of when I can retire...I consider my expenses.
by mptfan
Wed Dec 10, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3641

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

It is difficult to convince a man of something when his livelihood depends on not being convinced.
by mptfan
Sat Dec 06, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3268

Re: Any regrets going from iOS to Android phone?

C4NT wrote:Has anyone switched to an android system and really regretted it?

Yes, I regret I didn't do it sooner.
by mptfan
Wed Dec 03, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3374

Re: Is there anything between bonds and stocks?

retiredjg wrote:High yield bonds?

High yield bonds are bonds by definition, therefore they are not between bonds and stocks.
by mptfan
Sat Nov 29, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there anything between bonds and stocks?
Replies: 15
Views: 1494

Re: Paying my parents a salary not to touch their nest egg

Too much risk in my opinion. There are too many things that can happen over the next 20-30 years that would result in you not getting an inheritance, or getting less than you expect. What if one of your parents dies and the other names someone else as the beneficiary? What if they remarry? What if o...
by mptfan
Wed Nov 26, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4443

Re: Why should I avoid REITs?

I know it has already been said before, but if you invest in the total stock market fund, then you already have REITs in your portfolio, so the question is should you add more REITs to your portfolio? Only you can answer this question, but I will tell you that my answer is yes.
by mptfan
Wed Nov 26, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 54
Views: 7080

Re: Back-up Drive - Local or Cloud? Which?

If you buy a Chromebook you can get 100GB of free storage for 2 years. I'm not sure if that also applies to Chromeboxes. For what it's worth, I don't have a Windows based machine at home anymore, and I don't store any documents on a local drive...all of my documents are stored in Google Drive or Pic...
by mptfan
Mon Nov 24, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 2873

Re: Laptop/Chromebook recommendation

HP Chromebook 14 (I am typing this message on it).
by mptfan
Sat Nov 22, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Laptop/Chromebook recommendation
Replies: 14
Views: 919

Re: Does investing in a 401k actually save any money?

If my understanding is correct, he'll make withdrawls from the 401k during retirement and pay ordinary income tax (28% bracket) on all the withdrawls. But had he invested this money in a taxable account the whole time, he'd have paid mostly 15% capital gains and dividends taxes along the way, possi...
by mptfan
Fri Nov 21, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 75
Views: 9603

Re: Mark your calendar for year-end fund distributions

I predict that when the fund distributions occur, and the NAV drops that day, there will be panicked posts to the effect of...."The price of my mutual fund dropped by 2% today, but the market was up, what is going on????!!!!"
by mptfan
Mon Nov 17, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1273

Re: Bogleheads not found easily in Google

Same here, I typed "bogleheads" into google and this forum was the first search result.
by mptfan
Thu Nov 13, 2014 2:29 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 3666

Re: Brother involved with golddigger

bcjb wrote:Half of the population is terrible with money,

I think it's more than half. I fail to see the issue here.
by mptfan
Fri Nov 07, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8430

Re: Brother involved with golddigger

Is he a competent adult? If so, it is his decision regarding who is named in his medical directive, not his family's. Am I missing something? There is no need confront or change anything.
by mptfan
Fri Nov 07, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8430

Re: When do you buy a new home computer?

Chromebox.
by mptfan
Fri Nov 07, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4584

Re: Joint accounts or separate accounts for married couples?

I'm in the process of getting married, but I dont think I would ever want our accounts to be joint. Having separate accounts also shows accountability, both parties should be contributing to long term savings and investing goals. What if one spouse gets laid off, or injured, or disabled, or becomes...
by mptfan
Mon Nov 03, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4782

Re: Long-Term or Total Bond Index Fund

You are not missing anything, long term bond funds have had a higher return than shorter term bond funds, and they will continue to do so. It is the inevitable correlation between risk and reward. With longer term bonds, you take a greater risk that the price of the bond fund will fluctuate more tha...
by mptfan
Sun Nov 02, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Long-Term or Total Bond Index Fund
Replies: 5
Views: 709

Re: Joint accounts or separate accounts for married couples?

I didn't know that the "law" dictates how much a married or unmarried couple is permitted to keep in joint accounts. :confused Must be some "new law" that is out there. :shock: I suspect that OP was referring to the fact that IRAs etc are individual accounts and must remain so. ...
by mptfan
Thu Oct 30, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4782

Re: Joint accounts or separate accounts for married couples?

Grt2bOutdoors wrote:I didn't know that the "law" dictates how much a married or unmarried couple is permitted to keep in joint accounts. :confused Must be some "new law" that is out there. :shock:

Did you read the post?
by mptfan
Thu Oct 30, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4782

Re: Joint accounts or separate accounts for married couples?

Ok, I changed the wording of the poll to ask whether you actually have or intend to have joint accounts or separate accounts while married.
by mptfan
Thu Oct 30, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4782

Re: Joint accounts or separate accounts for married couples?

Let me clarify...I am only asking your view about how you think you should handle money in a marriage. I agree that there is no right and wrong answer, and I agree that I am not asking you to tell others what they should do.
by mptfan
Thu Oct 30, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4782

Joint accounts or separate accounts for married couples?

The issue of whether or not to have joint accounts or separate accounts for married couples seems to be an issue about which people have strong views on both sides. I don't think there is a right or wrong answer, I think each couple can decide what is right for themselves, but I am curious to see th...
by mptfan
Thu Oct 30, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4782

Re: TBM too much treasury?

Look past that single sentence in the Bogleheads philosophy. We have a bigger tent here than that. You can overweight asset classes (think the many threads on tilting and slice-and-dice) or shun them altogether (not just HY; a non-negligible portion don't even invest in international equities, and ...
by mptfan
Thu Oct 16, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Fair enough, you can exclude any sector of any market from your portfolio for any reason you wish. I could exclude railroad companies from my portfolio because I don't like trains, but my reason would not be based on Boglehead principles. The difference is I quoted language from the Boglehead Wiki t...
by mptfan
Thu Oct 16, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Thus, if the overall bond market allocates some value to high yield bonds, why are Bogleheads "trying to pick the specific securities or sectors of the market" by excluding the bond market allocation to high yield bonds? In addition to the reasons eloquently stated by ogd, I would also su...
by mptfan
Thu Oct 16, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

"Rather than trying to pick the specific securities or sectors of the market (US stocks, international stocks, and US bonds) that will outperform in the future, Bogleheads buy funds that are widely diversified, or even approximate the whole market. This guarantees they will receive the average...
by mptfan
Thu Oct 16, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Following is a quote from the Bogleheads Wiki: "Rather than trying to pick the specific securities or sectors of the market (US stocks, international stocks, and US bonds) that will outperform in the future, Bogleheads buy funds that are widely diversified, or even approximate the whole market....
by mptfan
Thu Oct 16, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Apparently diversification is good for equities, but bad for bonds. Not bad, just unimportant. Your entire bond portfolio can be in one asset -- a bank account or a single Treasury -- and you'll do just fine. There is no perfectly safe stock that I'm aware of, or sector, or even country. Don't redu...
by mptfan
Thu Oct 16, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Yes, I would. Why not? There's additional risk but it is compensated. Why not indeed. You are being consistent in your view, and I agree. What bothers me is when some people preach the gospel of "investing in the market" when it comes to equities, but when it comes to bonds, all of a sudd...
by mptfan
Thu Oct 16, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Yes, I would. Why not? There's additional risk but it is compensated. Why not indeed. You are being consistent in your view, and I agree. What bothers me is when some people preach the gospel of "investing in the market according to market allocations" when it comes to equities, but when ...
by mptfan
Thu Oct 16, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: TBM too much treasury?

Too heavy compared to what? It holds treasuries in proportion to their value in the market. What is being suggested (deviating from capitalization weighting) is exactly what Jack tells us NOT to do everywhere else. Why is he condoning speculation in one asset class but not in others? The "tota...
by mptfan
Thu Oct 16, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4663

Re: It's a good day to be heavy in REITs

Since 1972 TSM STD:18.27% REITS STD: 18.20% Maybe TSM should get the 5?:) That being said 2007-2008 REIT collapse was epic. Maybe not quite as epic as the crash of 1929-32 but it is as close as I want to see. Your standard deviation numbers since 1972 are very similar to the standard deviation numb...
by mptfan
Tue Oct 14, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4079

Re: Private Student Loan attacks after 7 years

Well the one thing I did do is go to their website and create an online account to see what the hell the letter was about. Although I worry this triggered a restart of the SOL clock, I find it unlikely that they would restart the clock just based on finding out what the debt is through their websit...
by mptfan
Tue Oct 07, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Private Student Loan attacks after 7 years
Replies: 34
Views: 2471

Re: Private Student Loan attacks after 7 years

If the loan was a private student loan, not issued or backed by the federal government, then the lender or the assignee debt collector is subject to the statute of limitations in your state, and they will not be able to get a judgment against you if the statute of limitations has expired. However, i...
by mptfan
Tue Oct 07, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Private Student Loan attacks after 7 years
Replies: 34
Views: 2471

Mutual Funds vs. Exchange Traded Funds (ETFs)

Do you invest in mutual funds, or ETFs, or a combination of both? If you do not use either mutual funds or ETFs, what do you use?
by mptfan
Mon Oct 06, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. Exchange Traded Funds (ETFs)
Replies: 37
Views: 2790

Re: investing during market drop

Michael_Fisher1 wrote:So since we are in a correction now and stocks are cheap ...

What is your definition of a correction? How do you determine when stocks are cheap?
by mptfan
Thu Oct 02, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: investing during market drop
Replies: 15
Views: 1252

Re: Future equities 2% real rhetoric is hogwash

Could you provide cites to the quite a few people who said that? I read it on this forum. Over and over again and to be honest not going to look for citations. Just look at any thread that discusses SWR (safe withdrawal rate) and enough people start coming out of the woodwork talking about lower re...
by mptfan
Mon Sep 29, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Future equities 2% real rhetoric is hogwash
Replies: 45
Views: 3975

Re: Future equities 2% real rhetoric is hogwash

Could you provide cites to the quite a few people who said that? I read it on this forum. Over and over again and to be honest not going to look for citations. Just look at any thread that discusses SWR (safe withdrawal rate) and enough people start coming out of the woodwork talking about lower re...
by mptfan
Mon Sep 29, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Future equities 2% real rhetoric is hogwash
Replies: 45
Views: 3975

Re: Future equities 2% real rhetoric is hogwash

EnjoyIt wrote:I have been reading lately quite a few people discussing future 2% real returns on equities and I just don't understand how that is possible.

Could you provide cites to the quite a few people who said that?
by mptfan
Mon Sep 29, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Future equities 2% real rhetoric is hogwash
Replies: 45
Views: 3975

Re: Supporting the Operating Costs of the Forum

I suggest that if a member of the forum contributes a minimum amount, that they be recognized in some way by indicating that they are a contributing member next to their username. As an example, can they be identified as premium members? Can there be a gold star or some symbol next to their username...
by mptfan
Sat Sep 27, 2014 11:23 am
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 17
Views: 2733

Re: operating cost of this forum

Houston101 wrote:I think it will be a good idea if we have a 'donate' button somewhere on the main webpage.

I agree. I think if it the donate option was conspicuous and easy to select, that more people would donate.
by mptfan
Fri Sep 26, 2014 10:55 am
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 42
Views: 6675

Re: The Villages Retirement Community Near Orlando

As has been pointed out before, the Villages is not near Orlando, it is more than 60 miles away, in the middle of nowhere, and I can assure you that nobody in central Florida considers the Villages to be anywhere near Orlando. If anything, it is near Ocala.
by mptfan
Fri Sep 26, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: The Villages Retirement Community Near Orlando
Replies: 72
Views: 8044

Individual Health Savings Account HSA

I have a question that may be obvious for the well informed people on this board... can an individual set up an HSA account on his own if the individual's employer does not offer an HSA account? Up until today, I had assumed that someone could only contribute to an HSA account if it was offered as a...
by mptfan
Thu Sep 25, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual Health Savings Account HSA
Replies: 2
Views: 279

Re: Stubbornly Non-Boglehead Husband. What To Do?

pkcrafter wrote:If he was in this business when they got married, it goes one way. If he started this after they got married, it goes another way.

Right. If he was in this business before they got married, then she was on notice of the way he handles money and she can't really complain now if he doesn't change.
by mptfan
Thu Sep 25, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 8201
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