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Re: Future investment strategy

YB, what is your current withdrawal rate?

Paul
by pkcrafter
Fri Mar 27, 2015 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Future investment strategy
Replies: 4
Views: 243

Re: Can you really know your AA until you've hit a bear mark

gbru, have you actually experienced a market crash? Kevlar, asking this question will generate a wide range of opinions and experience, but it's still very difficult to know how you are going to react. Some investors actually carry a risk gene, so if you get a reply from someone who does and you don...
by pkcrafter
Thu Mar 26, 2015 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 42
Views: 2475

Re: Capital preservation in retirement

b_glenn, is this money in taxable or IRA/Roth? If tax protected, you might consider TR income (30% stock) or lifestrategy moderate which is 60%. The goal is to keep things simple and yet diversified. TR income does hold some TIPS, and with LS moderate, you could add a short term bond fund to get the...
by pkcrafter
Thu Mar 26, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Capital preservation in retirement
Replies: 23
Views: 2320

Re: CRR Boston College: "Why I Dropped My Financial Adviser

From the comments: First, let me lay out a pair of facts. Individual investors on average, realize returns on invested assets several percentage points below those that use professional investment managers. I'm not sure how to interpret this. Does he mean professional investors do better than retai...
by pkcrafter
Thu Mar 26, 2015 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: CRR Boston College: "Why I Dropped My Financial Adviser"
Replies: 16
Views: 1886

Re: Russell 1000 and Russell 2000 total returns since incept

Thomas wrote:
Taylor Larimore: you seem to have a history of making presumptuous and condescending posts like this. You don't know my intentions, so don't tell me I'm making a "mistake".

Great start on the forum, Thomas. Now you've definitely made a mistake. :oops:

Paul
by pkcrafter
Thu Mar 26, 2015 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Russell 1000 and Russell 2000 total returns since inception
Replies: 11
Views: 704

Re: CRR Boston College: "Why I Dropped My Financial Adviser

From the comments: First, let me lay out a pair of facts. Individual investors on average, realize returns on invested assets several percentage points below those that use professional investment managers. I'm not sure how to interpret this. Does he mean professional investors do better than retail...
by pkcrafter
Thu Mar 26, 2015 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: CRR Boston College: "Why I Dropped My Financial Adviser"
Replies: 16
Views: 1886

Re: Money Magazine on Low Volatility Funds

Maynard, you posted a chart of returns from M* above. Do you have a link to that article? As to monkey outperformance, if you throw a dart at all the stocks in total market you will get a disproportion of small and mid, which explains the outperformance. Now if you had a board with squares in propor...
by pkcrafter
Thu Mar 26, 2015 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Money Magazine on Low Volatility Funds
Replies: 17
Views: 2533

Re: U.S. cash pouring into international

Twins fan: The article is about Europe only. Which even though a bigger part of total international, I don't believe international investing when talked about in here means just Europe. Yes, it's about Europe, but inflows are certainly reflected in TISM. Wagnerjb wrote: The posts about whether inter...
by pkcrafter
Wed Mar 25, 2015 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2383

U.S. cash pouring into international

Article from CNN -- Cash pouring into International stocks/funds.

http://money.cnn.com/2015/03/24/investi ... index.html

Hmm, haven't we been seeing recent posts asking if international is really needed?

VG total international YTD = +6.23%
VG TSM YTD = +2.78%

Paul
by pkcrafter
Wed Mar 25, 2015 10:26 am
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2383

Re: Is structured settlement annuity investing a good deal?

I like Kitces, but I'm very leery of this. The inspiration for today's blog post has been a series of inquiries I've received from other planners over the past month, whose clients are being solicited to invest in structured settlement annuities , Kitches neglects to tell us what cut the solicitors ...
by pkcrafter
Tue Mar 24, 2015 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Is structured settlement annuity investing a good deal?
Replies: 3
Views: 470

Re: What do you think??

But, Paul, you did post a clickable link. :happy

The article is rather silly, and I wonder what the author meant by this:
Radical intervention, not more time, is often the solution.


No, that's not the solution.

another paul
by pkcrafter
Tue Mar 24, 2015 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: What do you think??
Replies: 2
Views: 525

Re: 4 Fund Portolio without bonds

And the layman's summary translation is? Educate yourself on the fundamentals of investing but not by reading Merriman, at least not articles like that one. Indeed am trying to follow and be even more educated, standard deviation and Sharpe aside, is it that there is inherently more risk by deviati...
by pkcrafter
Tue Mar 24, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2585

Re: 4 Fund Portolio without bonds

What's the major differentiation vs TSM, a tilt towards small caps? Tilt? 50% in small is more than a tilt. chessmannextmove: And the higher return should "persist" if the risk does. Yes, the higher return will persist, but it persists because it's difficult to capture and it's probably d...
by pkcrafter
Tue Mar 24, 2015 10:03 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2585

Re: Edward Jones Account Closing Fees

Ics, I can't help wondering if you had gotten the accounts combined, you would have still been charged for closing accounts. Seems like EJ gets paid no matter what you do.

Paul
by pkcrafter
Mon Mar 23, 2015 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 6813

Re: Edward Jones Account Closing Fees

The bad publicity you've generated is probably going to cost them more than what they've charged you. You might want to look at a few of these sites too.

EJ complaints

https://www.google.com/search?q=edward+ ... 8&oe=utf-8

Paul
by pkcrafter
Sun Mar 22, 2015 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 6813

Re: Opened an account Vanguard yesterday, now having cold fe

Paul, I bought all 4 funds like this 35% Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) 15% Vanguard Total International Stock Index Fund Investor Shares (VGTSX) 40% Vanguard Total Bond Market Index Fund Investor Shares (VBMFX) 10% Vanguard Total International Bond Index Fund Invest...
by pkcrafter
Sat Mar 21, 2015 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3585

Re: Opened an account Vanguard yesterday, now having cold fe

Helen, you still have not provided enough information to provide the big picture. Even the 4 funds you invested in do not show % invested in each. Did you use these four funds or buy a target retirement fund? As for the rest of your portfolio, you mentioned Verison stocks. How much of your retiremen...
by pkcrafter
Sat Mar 21, 2015 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3585

Re: Edward Jones Account Closing Fees

Ics, wow, what a mess this is turning into. :confused What is the reason they give you for ignoring your request to combine the accounts? Write directly to the compliance dept. https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CCUQFjAA&url=https%3A%2F%2...
by pkcrafter
Sat Mar 21, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 6813

Re: What Behavior Gap?

Derek wrote: Additionally, we can use the aggregate data sets to make the point that the average investor beat a passive dollar cost averaging investor over 20 years... but that doesn't make for good marketing. Bad behavior exists, but it's certainly not exclusive to the lowly individual DIY investo...
by pkcrafter
Sat Mar 21, 2015 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: What Behavior Gap?
Replies: 23
Views: 1825

Re: Lump sum - how to invest it now and sleep at night?

We don't know your actual comfort level and it's likely you don't either. If you've just received a large sum of money I don't think you need 80% in equity. I would suggest 60/40, but only if you feel you can be comfortable with that and HOLD during a nerve-shattering drawdown. The worst thing you c...
by pkcrafter
Sat Mar 21, 2015 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - how to invest it now and sleep at night?
Replies: 27
Views: 3140

Re: What Behavior Gap?

Derek, Dalbar's calculation method might result in losses being overstated, but there is no question that behavior is the major contributor to lower returns. You don't have to look at returns, just look at fund flows. Note too, that the more volatile a fund, the more active the investors and the low...
by pkcrafter
Sat Mar 21, 2015 8:17 am
 
Forum: Investing - Theory, News & General
Topic: What Behavior Gap?
Replies: 23
Views: 1825

Re: Edward Jones Account Closing Fees

Ics, each of your holdings has a different account number, right? They are different accounts. Vanguard does the same thing. I would not even consider combining the accounts just to avoid the fees. Bite the bullet, pay the fees, and transfer the accounts. Call Vanguard and let them set things up. I ...
by pkcrafter
Fri Mar 20, 2015 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 6813

Re: bonds primer

Why Bother with Bonds, by Boglehead Rick Van Ness. Good, easy to read book

http://www.amazon.com/Rick-Van-Ness/e/B005L4QJB4

Paul
by pkcrafter
Fri Mar 20, 2015 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: bonds primer
Replies: 14
Views: 1306

Re: Is this Investing or Speculating?

frankly I am rather puzzled as to how an individual retail investor could possibly "value" a portfolio of five hundred stocks from seventeen different countries and make a judgement of them as being a better or worse investment than five hundred stocks from the United States. I recall in ...
by pkcrafter
Fri Mar 20, 2015 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Is this Investing or Speculating?
Replies: 24
Views: 1981

Re: [New Member Observations- Covered Calls, Financial Advis

LadyGeek wrote:I retitled the thread. OP - if you disagree, just edit the Subject: line in Post #1.

For the purposes of this discussion, "financial advisor" refers to an Investment adviser.

OP? He left the building some time ago when he realized he couldn't sell something.

Paul
by pkcrafter
Thu Mar 19, 2015 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 221
Views: 15370

Re: Help with retirement portfolio

Hi, I don't have much time this morning, but wanted to add a few general comments. and bump your post. I am going to try this again. My first post seemed to have too many questions so I will try to simplify it here. My wife and I will retire this summer. We would like to: Configure our retirement f...
by pkcrafter
Thu Mar 19, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement portfolio
Replies: 4
Views: 588

Re: Observations from a first time poster, long time reader.

Sharpematt wrote: After reading, I feel the readership here does miss on two key points that I'd like to share. 1) Covered Calls are an incredibly powerful tool that seem to be underutilized by Bogleheads. Selling covered calls is a low risk way of selling bets to gamblers. They do not impede divers...
by pkcrafter
Wed Mar 18, 2015 10:00 am
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 221
Views: 15370

Re: American Funds

I agree with Willift. If you can make an in-service rollover every two years, then this is a very good idea. The tax deferred space is very valuable.

Paul
by pkcrafter
Tue Mar 17, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 11
Views: 1180

Re: American Funds

stevmrny, OK, next question, are the loads waived on the A shares? That would be normal for a 401k plan, but I also assume your company is paying nothing, so perhaps the loads are enforced which is a good deal for American, but not for you. You are getting a 2 or 3% match, but that doesn't even cove...
by pkcrafter
Tue Mar 17, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 11
Views: 1180

Re: American Funds

stvmrny, it might be worth it to post the tickers of some of the funds available to see if it actually is broke. Also, who is providing the plan, American or someone else like Principle? I ask because your employer may have been sold C shares or A shares without the load waived. It's pretty clear th...
by pkcrafter
Tue Mar 17, 2015 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 11
Views: 1180

Re: Advice on guiding an hour discussion with military

Tell them to stay away from the TSP investment website. Paul ?? TSP is great. He might be referring to the websites that tell you how to invest your TSP money. I view them as entertainment only but others might be seduced by their promises of greater wealth than by not following their precepts and ...
by pkcrafter
Tue Mar 17, 2015 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Advice on guiding an hour discussion with military
Replies: 35
Views: 1920

Re: Variable spending strategies paper by Pfau

Beliavsky wrote: Looking at the tables in the paper, no spending strategy stands out as the best to me. Maybe that is the point -- there are trade-offs. If you think about it, you will realize every investing/withdrawing decision involves trade-offs and compromise. You cannot know what optimal will ...
by pkcrafter
Tue Mar 17, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Variable spending strategies paper by Pfau
Replies: 32
Views: 3045

Re: Chosing Mutual Funds: Indexed or Managed

What will this money be used for and what are the two funds?

Paul
by pkcrafter
Mon Mar 16, 2015 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chosing Mutual Funds: Indexed or Managed
Replies: 9
Views: 983

Re: Hidden Fees

The thing your friend needs most is to get out of EJ. TRP good, but fund expense ratios a bit higher than they should be. Moving EJ to Vanguard or even TRP would be friend's best option. Vanguard will even manage for 0.3% with 100k min.

Paul
by pkcrafter
Mon Mar 16, 2015 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hidden Fees
Replies: 2
Views: 357

Re: Advice on guiding an hour discussion with military

Tell them to stay away from the TSP investment website.

Paul
by pkcrafter
Mon Mar 16, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Advice on guiding an hour discussion with military
Replies: 35
Views: 1920

Re: Timing Risk & Index Funds

A.Robero, What you are describing is sequence of return risk and it's been discussed frequently, and there are also articles and studies available on the topic. If you define one major risk as not having the money you need when you need it, then an investor who is planning an initial withdrawal rate...
by pkcrafter
Mon Mar 16, 2015 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Timing Risk & Index Funds
Replies: 3
Views: 318

Re: keep advisor or do it myself

I've never heard of a DFA advisor charging less than 1%, so you are getting a fair deal. Whether it's worth it to you is something only you can decide. The value of an advisor isn't in the outperformance he can generate, or says he can generate, it's in managing your assets while hopefully preventin...
by pkcrafter
Sun Mar 15, 2015 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: keep advisor or do it myself
Replies: 28
Views: 2167

Re: "6 Lessons From the 6-Year-Old Bull Market"

Somewhat controversial: "Markets tend to do better when fear is rampant and worse when greed is abundant." Huh? Yep. Investors tend to get out when fear is rampant and get in with greed is abundant. How does one validate such a claim? Measure fear? Measure greed? Run regressions showing t...
by pkcrafter
Sun Mar 15, 2015 12:11 am
 
Forum: Investing - Theory, News & General
Topic: "6 Lessons From the 6-Year-Old Bull Market"
Replies: 11
Views: 2739

Re: Financial Advisor Put Together This Portfolio - Thoughts

You have a very aggressive portfolio for your age, are you OK with that? What is the "lower fee" you are paying? I agree with others that investing with family or friends isn't a good idea.

Paul
by pkcrafter
Fri Mar 13, 2015 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor Put Together This Portfolio - Thoughts?
Replies: 27
Views: 2177

Re: American Funds beats the market 97% of the time?

A couple of points I noticed-- One chart compares AF to other industry funds, but the chart only includes load funds vs load funds and the loads are not included in the returns. The 17 American Funds equity-focused funds used in our analysis and the relevant indexes/index blends with which they were...
by pkcrafter
Fri Mar 13, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5206

Re: "Vanguard reshuffles leadership despite success with adv

This wouldn't have anything to do with the fine, would it?

Paul
by pkcrafter
Thu Mar 12, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard reshuffles leadership despite success with adviser
Replies: 2
Views: 1028

Re: The Ignorance Survey

Ok, now we need an ignorance survey top 10 list specific to investing.

Paul
by pkcrafter
Thu Mar 12, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: The Ignorance Survey
Replies: 5
Views: 738

Re: Asset Allocation

mksahu, I agree with Taylor that it would provide a much better picture if you follow the suggested posting format. For instance, we don't know if the Roth is your only investment account. 1. I'm going with an 75/20 Stock/Bond split, with 5% REITs (which I'm treating as a separate asset class). I fe...
by pkcrafter
Wed Mar 11, 2015 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 2
Views: 338

Re: When does market timing make sense?

^ A really bad day? As defined by...? As defined by livesoft... I guess. Anyway, it seems to me that you are letting your emotions get in the way to an extent that it might will cause you to make a costly behavioral mistake. I suggest you read this and then forget about timing, RBDs, etc. http://ww...
by pkcrafter
Wed Mar 11, 2015 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: When does market timing make sense?
Replies: 34
Views: 1429

Re: How to pull money out of investments to backfill E-fund

Rudy, you are making two mistakes. One is using retirement holdings to replenish an EF. The whole point of an EF is so you don't have to sell retirement assets in an emergency. The other mistake is not funding short -term goals separately from retirement assets and EF. To get out of the problem now ...
by pkcrafter
Wed Mar 11, 2015 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How to pull money out of investments to backfill E-fund
Replies: 12
Views: 988

Re: How many really understand how investing works?

Of course comparing returns are apples to oranges. That's the point! I already know what my strategy is producing. I want to know how the orange, tomato, grape, and carrot vendors are faring. No, you don't. Don't play that game. I checked your prior posts to see what's going on because asking this ...
by pkcrafter
Tue Mar 10, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3140

Re: First Post - New and Excited Investor Eager to Learn

Gibsoch, just wondering how you ended up with these funds in your Roth? You've got two very expensive class C loaded funds and the very low cost Vanguard fund. Were the first two funds recommended by someone? Roth IRA at ETRADE 13.27% EVENTIDE Gilead Fund ETCGX (2.25) 5.60% JP MORGAN VALUE ADV (JVAC...
by pkcrafter
Tue Mar 10, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Post - New and Excited Investor Eager to Learn
Replies: 6
Views: 585

Re: How many really understand how investing works?

Here's a good start: Defining our goal Investing: Money committed or property acquired for future income. A trade off between risk and reward while aiming for incremental gain and preservation of the invested amount (principal). Investing means investing in businesses, both in the U.S. and internati...
by pkcrafter
Tue Mar 10, 2015 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3140

Re: Bernstein: 2% investment returns over next 20 years

- Why do people make 10 and 20 forecasts every year ? Also, if the return on bonds is zero after inflation, companies will not be able to attract loans. As for stocks, it may be that investors are now willing to take on investment risk for a lower potential reward. Certainly they (we) are accepting ...
by pkcrafter
Tue Mar 10, 2015 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22791
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