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Re: What rate of return do you use when planning for retirem

Can you provide a citation to the numbers that you are using for the S&P 500 total return index? I am getting my numbers from S&P, as in calculated and published by S&P. I can't cite because I am getting my number from S&P via one of their proprietary services. Google is friend. Loo...
by mptfan
Fri Apr 24, 2015 9:53 am
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: What rate of return do you use when planning for retirem

Can you provide a citation to the numbers that you are using for the S&P 500 total return index? I am getting my numbers from S&P, as in calculated and published by S&P. I can't cite because I am getting my number from S&P via one of their proprietary services. I'll take that as a &...
by mptfan
Fri Apr 24, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: Marriage and splitting expenses

lowerleisureclass wrote:We have separate bank/brokerage/business/IRA/401K accounts...

You really don't have a choice when it comes to IRA and 401k accounts, there are no such things as joint IRAs or joint 401ks.
by mptfan
Thu Apr 23, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5111

Re: Marriage and splitting expenses

Joint accounts or separate accounts for married couples?

http://www.bogleheads.org/forum/viewtop ... 2&t=149856
by mptfan
Thu Apr 23, 2015 6:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 100
Views: 5111

Re: What rate of return do you use when planning for retirem

For the S&P 500 Total Return Index, 3769 on 12/31/2014 1622 on 12/31/1994 (3769/1622)^(1/20) = 1.0430 or 4.3% Really? You seem to be the only one getting such low numbers... I put the starting date of December 1994 and the ending date of December 2014 into this S&P 500 total return calculat...
by mptfan
Wed Apr 22, 2015 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: What rate of return do you use when planning for retirem

This does not feel right. Over the past 20 years, the S&P 500 has had a 9.2% Average Return (the return for any given year. Your numbers are not accurate. Here are the annual returns for the S&P 500 index fund between 1995 and 2014... 2014 13.51% 2013 32.18% 2012 15.82% 2011 1.97% 2010 14.9...
by mptfan
Wed Apr 22, 2015 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: What rate of return do you use when planning for retirem

This does not feel right. Over the past 20 years, the S&P 500 has had a 9.2% Average Return (the return for any given year.) 4.3% Geometric Average Return (The annual return if you held the index for 20 years.) Mind you, these numbers are highly sensitive when you contributed your money. Depend...
by mptfan
Wed Apr 22, 2015 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: What rate of return do you use when planning for retirem

alex_686 wrote:I suspect that your average return of 8% has a much lower geometric average return.

Your suspicion is not correct because I understand the difference between geometric averages and non-geometric average returns, and I am using geometric averages. The non-geometric average projection is higher.
by mptfan
Wed Apr 22, 2015 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: What rate of return do you use when planning for retirem

My current projected rate is 8%, but I have a spreadsheet in which I project each year's return separately, and the number slowly goes down in increments until it gets to 6% in retirement.
by mptfan
Wed Apr 22, 2015 10:26 am
 
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 58
Views: 4040

Re: Paying for GFs school - any way to help myself?

It is interesting the way gender pays a role in our society. Despite the huge advances in women's equality, there is still an element of distrust in situations like this. Imagine how the board would have reacted if a female was posting that she was doing this for her boyfriend. Many would still loo...
by mptfan
Tue Apr 21, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4619

Re: Am I saving too much for retirement?

The answer to your question is no, you are not saving too much. The future is unknown, and it is too early for you too count your retirement savings chickens before they hatch. 1) You can lose your job, get injured, get disabled, get sick, get downsized, or any number of other things can happen to c...
by mptfan
Mon Apr 20, 2015 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 27
Views: 4635

Re: Paying for GFs school - any way to help myself?

Your question assumes they can marry where they currently live. Yes, but the assumption does not come from my assumption that they are a heterosexual couple. To the contrary, it comes from the OP's own words... "We *might as well* be married. I am the one delaying that at the moment because of...
by mptfan
Mon Apr 20, 2015 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4619

Re: Paying for GFs school - any way to help myself?

You shouldn't be surprised at the feedback. So you are committed enough to pay for her education, but not committed enough to marry her? Seems inconsistent. The answers have assumed this is a heterosexual relationship but the OP hasn't made that clear. I did not assume it was a heterosexual relatio...
by mptfan
Mon Apr 20, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4619

Re: Paying for GFs school - any way to help myself?

You shouldn't be surprised at the feedback. So you are committed enough to pay for her education, but not committed enough to marry her? Seems inconsistent.
by mptfan
Mon Apr 20, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4619

Re: Don't come to Europe with a new chip and sign credit car

I was just in Florida for a week, presumably a place with many foreign tourists, and noticed all the shops here had chip readers. I felt a little like I was in Europe. I live in Florida and I can tell you that although there are more chip reader machines now, very few of them actually work to read ...
by mptfan
Sun Apr 19, 2015 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 50
Views: 6016

Re: Debt Free...Now What?

First, congratulations on paying off all of that debt, that is a great accomplishment and you should be proud. However, the title of your thread is misleading because you are not debt free... you still have debt in the form of a mortgage. Depending on the interest rate of your mortgage, and whether ...
by mptfan
Sat Apr 18, 2015 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Debt Free...Now What?
Replies: 16
Views: 2441

Re: How do you sign a document when you are POA for someone?

If the father is mentally competent a power of attorney is not needed and may not be appropriate. He can sign for himself, if it's messy the counter party should suck it up. If he can't sign because of physical limitations he can make his mark and get somebody to witness it. Of all the responses in...
by mptfan
Sat Apr 18, 2015 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Father can no longer sign his name. Looking for solutions.
Replies: 23
Views: 2253

Re: How does a retired person mitigate a Bond Bubble?

If anyone is worried about the risk of their bond funds "crashing", they should be downright terrified at the risk of holding stock funds. It's not even close.
by mptfan
Thu Apr 16, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5724

Re: Don't come to Europe with a new chip and sign credit car

The chip and signature cards currently being issued in the U.S. are a half measure as the U.S. moves in the direction of chip and pin cards. http://www.cardhub.com/edu/chip-and-pin-vs-chip-and-signature/ It is impractical to expect all U.S. banks and merchants and consumers to go from using magnetic...
by mptfan
Tue Apr 14, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 50
Views: 6016

Re: Don't come to Europe with a new chip and sign credit car

Thanks for the tip!! We are hoping to go to London and Stockholm this summer. Will be sure to bring the old magnetic strip cards. Do they work any better or worse than the chip and sign cards? There is no benefit to using the "old magnetic strip cards" because the newer cards with the chi...
by mptfan
Tue Apr 14, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 50
Views: 6016

Re: Finally some good news on retirement

Finally, a common sense article about the reality of post-retirement expenses and their relationship to pre-retirement expenses, and the foolishness of the so-called conventional wisdom that you should plan to replace 80% of your pre-retirement income. I am not retired, and I spend about 55% of my ...
by mptfan
Mon Apr 13, 2015 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9012

Re: would "flight to safety" go to bonds after all?

You failed to tell us how you define the word "safety." Until you do that, we cannot give you meaningful answers.
by mptfan
Mon Apr 13, 2015 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2560

Re: Finally some good news on retirement

Finally, a common sense article about the reality of post-retirement expenses and their relationship to pre-retirement expenses, and the foolishness of the so-called conventional wisdom that you should plan to replace 80% of your pre-retirement income. I am not retired, and I spend about 55% of my g...
by mptfan
Mon Apr 13, 2015 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9012

Re: would "flight to safety" go to bonds after all?

If you want a certain degree of safety, and you can get that degree of safety and still get 5% returns (money market funds in 2007), that's really nice. If you want a certain degree of safety, and you can only get that degree of safety with 1% returns, that's sucky, but it is what it is. If you wan...
by mptfan
Mon Apr 13, 2015 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2560

Re: would "flight to safety" go to bonds after all?

But I guess, nispirius, what I'm asking is about whether or not bonds are indeed actually safe moving forward. What do you mean by "safe?" No one can answer your question without knowing what you are asking. As nisiprius pointed out, you are conflating yield and "safety" and the...
by mptfan
Mon Apr 13, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2560

Re: WSJ: You may need less than 80% in retirement

It is easy to come up with the first estimate with W2. Then, people can go on to refine that. But, if you tell people that it is hard to determine their level of spending, they would not start to begin with. If it takes more than 5 minutes, they would not do it It does take more than 5 minutes to f...
by mptfan
Sun Apr 12, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9012

Re: WSJ: You may need less than 80% in retirement

Given most Americans have debt, they also need to compute any change in that debt. If they started the year owing Visa $10,000, and ended it owing $25,000, they spent another $15,000. Your point is correct, but the numbers are worse than your example. In your example, the spending is actually more ...
by mptfan
Sat Apr 11, 2015 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9012

Re: WSJ: You may need less than 80% in retirement

<< you will find that everyone knows how much they make in a year, but very, very few people know how much they actually spend, or what percentage their spending represents as compared to their income.>> Most people only have salary aka W2 income. They look at their W2 and they will find gross inco...
by mptfan
Sat Apr 11, 2015 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9012

Re: New Social Security Facts

If you want to be precise, you can add in another 1.5 or 2 % , whatever you expect average yearly COLA increases to be, and make it even more dramatic. 8-) I initially overlooked this when I created my personal social security spreadsheet because I did not realize that the COLA was added for each y...
by mptfan
Sat Apr 11, 2015 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: New Social Security Facts
Replies: 13
Views: 1546

Re: WSJ: You may need less than 80% in retirement

Then, I would like to know why is it not better and easier to figure out current annual expense and use it as an estimate?? Because when you get outside of the confines of the Boglehead forum and venture out into the real world, you will find that everyone knows how much they make in a year, but ve...
by mptfan
Sat Apr 11, 2015 10:20 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 9012

Re: Prenup Poll

Your poll suggests that a blended family is a unique situation, but this is far from reality. One survey estimated that 43% of marriages involve at least one person who was previously married... http://www.winningstepfamilies.com/blendedfamilystatistics.html Another survey found that 40% of married ...
by mptfan
Sat Apr 11, 2015 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup Poll
Replies: 5
Views: 412

Re: What is Sammy Savers net worth?

If we liquidate Sammy's estate upon his death today, what would we have, that is the question. The $500K taxable gets a stepped up basis so that's easy. The $500K tax-deferred becomes an inherited IRA for someone, so we'd need a tax bracket to work with. Let's assume 25%, so that's worth $375K in r...
by mptfan
Fri Apr 10, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3652

Re: What is Sammy Savers net worth?

One million.
by mptfan
Fri Apr 10, 2015 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 3652

Re: Total Bond Market vs. Intermediate-Term Investment Grade

I also prefer VFICX for the reasons you cited, the total bond fund has too many treasury bonds for my taste. Also, the price of corporate bonds is less sensitive to interest rate increases than treasury bonds, so VFICX is expected to decrease less than the total bond fund when rates increase. Check ...
by mptfan
Thu Apr 09, 2015 7:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market vs. Intermediate-Term Investment Grade
Replies: 6
Views: 730

Re: Family member asking for money

surfstar wrote:Paying for kid's summer camp allows them to buy a used upper 30k BMW (which means its what, a 5-7 series?

That is hilarious...the cheapest 5 series starts at $50,000, and the cheapest 7 series starts at $70,000.
by mptfan
Wed Apr 08, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13522

Re: TSP Monthly, Quarterly and Annual Returns -- March, 2015

As I have noted, the TSP Funds do not pay dividends, so there is no reinvestment of dividends involved in any change in their NAV's. This is not true. TSP stock funds own stocks, and those stocks pay dividends....where do you think those dividends go?? You do not understand the difference between c...
by mptfan
Tue Apr 07, 2015 9:19 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- March, 2015
Replies: 9
Views: 1449

Re: LOL how long do you keep old tax returns

Let's say they go back a few years to audit or question. And find something. They can then go back another 7 years from that point and so on. I don't think that is true. The statute of limitations is not extended by what they might find, I believe it is 3 years in most cases, unless there is fraud,...
by mptfan
Sun Apr 05, 2015 7:10 pm
 
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3165

Re: TSP Monthly, Quarterly and Annual Returns -- March, 2015

I provide these data on changes in major market indices as a quantitative background for whatever changes may have occurred with the TSP Funds' NAV changes, and nothing more. The title of your post is "TSP Monthly, Quarterly and Annual Returns ." Returns are indeed more than changes in ma...
by mptfan
Sun Apr 05, 2015 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- March, 2015
Replies: 9
Views: 1449

Re: TSP Monthly, Quarterly and Annual Returns -- March, 2015

I'm sorry, but you are mixing apples and oranges and your data is flawed. The title of your post is "TSP Monthly, Quarterly and Annual Returns", but the data that you show is not returns, but changes in the value of various indices, which is not the same thing as return. You also keep refe...
by mptfan
Sun Apr 05, 2015 7:48 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- March, 2015
Replies: 9
Views: 1449

Re: Occasional big expenses after retirement

There was a discussion on the early retirement forum about this issue...

http://www.early-retirement.org/forums/ ... 75829.html
by mptfan
Sat Apr 04, 2015 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Occasional big expenses after retirement
Replies: 32
Views: 2692

Re: Dumb questions: Where to invest when max out tax-free op

It is almost always better to go traditional 401(k) and put the tax savings in a Roth IRA, then save even more in a taxable account invested tax efficient. That is, the Roth 401(k) is often a very poor choice. Livesoft is absolutely correct (as usual). If you want to know the reasons, take a look a...
by mptfan
Wed Apr 01, 2015 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dumb questions: Where to invest when max out tax-free option
Replies: 10
Views: 1015

Re: Laptop: Windows based vs. Apple

suburbandad wrote:How about a Chromebook?
For most users, chromebooks are more than sufficient.

I agree. I've been using a Chromebook at home now for almost a year, and I love it. No more Microsoft for me.
by mptfan
Wed Apr 01, 2015 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6298

Re: Use work phone as primary phone?

Rupert wrote:I wouldn't. You have no right to privacy re information stored on a company phone.

It depends on how it is set up. In my case, my employer pays for the phone service, but I own the actual phone, so I do have a right to privacy regarding information stored on the phone itself.
by mptfan
Wed Apr 01, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Use work phone as primary phone?
Replies: 13
Views: 666

Re: Use work phone as primary phone?

Crimsontide wrote:My work phone is my only phone, has been for the past 15 years.

The same is true for me. But I have to clarify that although my employer pays for the phone service, I pay for and I own the phone itself.
by mptfan
Wed Apr 01, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Use work phone as primary phone?
Replies: 13
Views: 666

Re: Loan Terms -- Helping a friend going through Divorce?

Dale_G wrote:Thanks for reporting in - and glad you are not "off".

He said "I'm out" not off. 8-)
by mptfan
Mon Mar 30, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 3550

Re: Implications of Marriage - she with debt and low income

Uh oh, another thread about prenups. OP, let me warn you, there are different camps who have different views on this subject and you will not get a consensus. Rather, you will get people with different views giving different advice depending on which side of the issue they fall. One school of though...
by mptfan
Mon Mar 30, 2015 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Implications of Marriage - she with debt and low income (WI)
Replies: 71
Views: 6656

Re: Best Way to Visualize Compounding

I like the story that goes something like, "Lets say I gave you a penny, and every day I gave you double the amount you had, so day two you'd have 2 cents, and day three you'd have 4 cents and so on. How much money would have have and the end of the month (day 30)?". Everyone guesses like...
by mptfan
Mon Mar 30, 2015 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3372

Re: Mortgage Debt in Retirement?

But the most simple is that there is no way we would have paid cash for this price house, even though we could do so if we wished. RM As I have said multiple times, once you buy the house, and once you have had the mortgage for a while, and then you are preparing for retirement, the issue of levera...
by mptfan
Mon Mar 30, 2015 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 5266

Re: Mortgage Debt in Retirement?

ResearchMed wrote:Why pay off the mortgage, if there is still some appreciation (slow or not), and the rest of the money (what is not used to pay off the mortgage) can also be invested?

Because the appreciation will happen regardless of whether you pay off the mortgage or not, so why not?
by mptfan
Sun Mar 29, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 5266
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