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Re: Which SPIA ?

Stan gives quality rankings, but no word on costs.

Here's an article on SPIA costs from Retire Early I haven't seen before, although it's possible it was posted several years ago.

http://www.retireearlyhomepage.com/annuity_costs.html

Paul
by pkcrafter
Sun Apr 26, 2015 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which SPIA ?
Replies: 10
Views: 887

Re: Which stock fund is the least volatile in bear market?

Thank you. The reason I am asking the question is that my ira is all bond fund. I was advised not put bond fund in taxable account, my tax rate is not high enough to warrant muni, and stock market is so high, therefore my concern is the safety, not the growth of the stock fund. What do you suggest ...
by pkcrafter
Sun Apr 26, 2015 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which stock fund is the least volatile in bear market?
Replies: 13
Views: 1251

Re: Losing Sleep, Help with portfolio

Please help Forum Experts, I feel like a fish out of water. Managing this money is wearing me out and I'm not even sure what I'm doing. If you feel like managing is wearing you out, you are doing it wrong. Approaching retirement can feel uncomfortable unless you have confidence in your plan. Under ...
by pkcrafter
Sun Apr 26, 2015 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Losing Sleep, Help with portfolio
Replies: 19
Views: 2348

Re: A Great List of Useless Financial Porn Phrases

And, "earnings failed to meet forecasts." Or, so much for assuming responsibility for crappy forecasting.


No, no. The forecast was right, the earnings were wrong. :happy

Paul
by pkcrafter
Sat Apr 25, 2015 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 3773

Re: Investing on Margin

Margin: If Taylor Larimore does not endorse it, then don't even consider it. I don't believe any Boglehead book recommends using margin.

Paul
by pkcrafter
Sat Apr 25, 2015 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing on Margin
Replies: 50
Views: 2478

Re: Policymaking

Planner, I think the topic will be judged to be against policy. Sorry.

viewtopic.php?t=405

Paul
by pkcrafter
Sat Apr 25, 2015 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Policymaking
Replies: 5
Views: 379

Re: Newbie...What did I invest in???

Thank you for your replies and links. They were extremely helpful. After finding this website I realizedI made a huge mistake. I moved the majority of my liquid assets to this brokerage/ retirement company. The cash was converted to an actively managed stock fund where everyday stocks are traded in...
by pkcrafter
Fri Apr 24, 2015 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie...What did I invest in???
Replies: 11
Views: 1188

Re: A Great List of Useless Financial Porn Phrases

How about creating a few new ones. Like....

We know, you benefit.
by pkcrafter
Fri Apr 24, 2015 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 3773

Re: What is too long to stay the course?

Wow, sawhorse, your post raises an array of fundamental points and questions. I'll mention just a few major ones. What is the limit for staying the course? There is no limit for staying the course IF you've set a proper course. No Boglehead would have suggested anyone put 100% of assets into the NAS...
by pkcrafter
Fri Apr 24, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: What is too long to stay the course?
Replies: 50
Views: 3302

Re: New learner question regarding 401k fund with high ER

My question is the best "performance" fund in my portfolio is the Hartford Healthcare Fund Class R3 (1.64%). Yes yes, past performance is not an indicator of future performance Uh, past performance is not an indicator of future performance. :happy We are seeing a lot of posters suddenly a...
by pkcrafter
Fri Apr 24, 2015 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: New learner question regarding 401k fund with high ER
Replies: 4
Views: 408

Re: Beginner Fund question

You didn't list Harbor, but it's just like Fidelity, no Canada or emerging markets. Using 2% for any allocation is too small to have any impact on a portfolio. You should not use a target retirement fund as a guide for your own asset allocation. The TR funds are very aggressive and may not be suitab...
by pkcrafter
Fri Apr 24, 2015 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Fund question
Replies: 7
Views: 639

Re: Beginner Fund question

I agree with Lack_ey, your best choices are the Spartan funds. If you go that route, then you will need to fill out international in your IRA or just use Vanguard total international. You should view all accounts as one portfolio, which is why we recommend doing it this way. I don't like the Fidelit...
by pkcrafter
Thu Apr 23, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Fund question
Replies: 7
Views: 639

Re: Do you Bogleheads really follow the 3-4% SWR rule?

coachz, if you want to review a few studies, here's one from Morningstar's David Blanchette. You can also look up studies from Vangaurd and a few from Wade Pfau/Michael Kitces. https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CCQQFjAA&url=https%3A%2F%2...
by pkcrafter
Thu Apr 23, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 48
Views: 3964

Re: Best tool for MF performance charting?

OK, but someone has to ask, Why? :happy

Paul
by pkcrafter
Thu Apr 23, 2015 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best tool for MF performance charting?
Replies: 2
Views: 196

Re: AA when you don't know when you'll retire?

Vitaflo wrote: This has caused a slight dilemma for me. I had been following the Target Date 2040 fund and its AA for my investments (but I invest in the funds individually). However, there is a good chance should business continue on this path for the next 10 years I could comfortably retire at age...
by pkcrafter
Thu Apr 23, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: AA when you don't know what age you'll retire?
Replies: 19
Views: 1319

Re: Help Requested: How many ETFs & Index Funds is too much?

noob, we recommend you look at all accounts as parts of one portfolio. When you do that, you will see that you have lots of unnecessary overlap. It looks like you have two slightly different ideas of what you want to do. Please define your proposed portfolio because the ETF portfolio and the funds p...
by pkcrafter
Thu Apr 23, 2015 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1662

Re: 500 Index or Large Cap Index

Thanks, here's a look at the holdings. Notice that the fund is growth, not blend, and it holds ~23% international. This is a normal problem with many active funds--the allocations and style move and mess up overall diversification. The more important point is you should not compare a fund like this ...
by pkcrafter
Tue Apr 21, 2015 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500 Index or Large Cap Index
Replies: 8
Views: 776

Re: 500 Index or Large Cap Index

student, what is the name or ticker of the fund you sold?

thanks,

Paul
by pkcrafter
Tue Apr 21, 2015 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500 Index or Large Cap Index
Replies: 8
Views: 776

Re: Warren Buffett on equties, treasuries, and "risk"

Buffett provides an excellent perspective on "risk", in fact I think this is the best and most useful thing he's ever said. People tend to forget there are many kinds of risk, which is why it's hard to have discussions on it. Buffet is reminding us that risks takes different forms. They ar...
by pkcrafter
Tue Apr 21, 2015 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett on equties, treasuries, and "risk"
Replies: 46
Views: 4291

Re: Can't get excited about bond funds

Can't get excited about bond funds

Good, you're not supposed to. :happy

diversification = cash AND bonds AND equities. Cash is safer than bonds, but pays out less. The rule doesn't actually say you must be in bonds, it says diversify equity risk with bonds and/or cash.

Paul
by pkcrafter
Tue Apr 21, 2015 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Can't get excited about bond funds
Replies: 19
Views: 1535

Re: Questions for Financial Adviser

In our experience, the funds were placed into expensive funds, such as FESGX First Eagle Global Fund Class C and IAAAX Transamerica Asset Allocation Growth Portfolio Class A and then they just sat there for years. I would avoid any advisor who uses class C funds because they have an ongoing commiss...
by pkcrafter
Mon Apr 20, 2015 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions for Financial Adviser
Replies: 18
Views: 875

Re: Anyone had the Personal Capital complementary review yet

They say they mimic the s&p 500 but weight it equally instead of the cap based
:confused

Paul
by pkcrafter
Sun Apr 19, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone had the Personal Capital complementary review yet?
Replies: 15
Views: 2196

Re: Should I simplify or pursue a financial advisor?

If you would feel more comfortable, then nothing wrong with seeing a financial planner (not advisor) who will work up a detailed retirement overview of your situation and provide a plan. Costs will be hourly $200-400/hour with minimum of 2 hours, but more like 3-4. You can get a lot of your question...
by pkcrafter
Sun Apr 19, 2015 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify or pursue a financial advisor?
Replies: 9
Views: 1211

Re: Trading Platform Software

rew, welcome to the forum. You obviously landed here by accident, but since you are here, you have the opportunity to learn about investing vs trading--they are very different things. We don't advocate trading, but we do offer sound investing principles. Take a look if you wish-- http://www.boglehea...
by pkcrafter
Sun Apr 19, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trading Platform Software
Replies: 4
Views: 422

Re: Coming to terms with low risk tolerance

sawhorse, you are wise to use an AA that you can be comfortable holding--45/55. There is no "ideal" AA, so don't get bogged down with that idea. It's far better to hold an AA you can stay with than to have one that causes you to sell in a downturn. Investors who do this earn significantly ...
by pkcrafter
Sun Apr 19, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3456

Re: Stocks are on sale, should I buy?

Hey all, I'm kind of thinking I should do the same with my VTSMX! Thoughts? You don't own VTSMX, so nothing to do there. I have everything in Vanguards Life strategy Growth fund so I'm certainly taking a hit. Not much of a hit. VASGX down less than 1% yesterday. Will you be so eager if it falls 35%...
by pkcrafter
Sat Apr 18, 2015 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5849

Re: Retired - advise new investment

kkelly wrote: I have to take into consideration that my wife and I cannot live on 75k, will need addtional income. Any suggestions would be appreciated. As others have said, it's difficult to figure out your situation. You can't live on the 75k/year you currently are getting? Does this also include ...
by pkcrafter
Sat Apr 18, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired - advise new investment
Replies: 7
Views: 781

Re: How to analyze portfolio recommendations

1. Don't even discuss investing with an advisor who is pushing insurance. In addition, his suggested portfolio is a non-starter. 2. Future advisor portfolio isn't that great either, but far better than the advisor's. You want an AA of 80/20, but future advisor doesn't provide any bonds. 3. What's wr...
by pkcrafter
Sat Apr 18, 2015 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to analyze portfolio recommendations
Replies: 13
Views: 694

Re: Fact, Fiction, and Value Investing - Asness/AQR

AQR For investors seeking other alternatives, AQR Capital Management recently introduced the AQR Style Premia Alternative fund (QSPIX).1 The goal of this fund is to capture four premia that many investors desire – value, size, momentum and defensive. Note: 1. Disclosure: I have a significant persona...
by pkcrafter
Sat Apr 18, 2015 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Fact, Fiction, and Value Investing - Asness/AQR
Replies: 9
Views: 1084

Re: John Hancock Funds (JFIVX & RLBFX)

This is a confusing fund and name. Morningstar and Barron's don't even recognize the ticker JFIVX. Some sources say it's a floating rate fund? JHVIT is not a valid ticker symbol, but it's not uncommon for 401k plans to use trusts and therefore, no tickers because they aren't considered mutual funds....
by pkcrafter
Fri Apr 17, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: John Hancock Funds (JFIVX & RLBFX)
Replies: 20
Views: 1396

Re: Cash out a Simple?

The penalty on a SIMPLE IRA is 25%, not 10%. Isn't there anything in the plan you might use for 2 years? At the end of the two year period, you might be able to transfer the IRA to you new company plan and keep the room open for a Roth.

Paul
by pkcrafter
Fri Apr 17, 2015 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out a Simple?
Replies: 13
Views: 891

Re: Where can I find Vanguard Group's financial report?

I found this... Maybe it will tell you some of what you want to know. http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&ved=0CDUQFjAB&url=http%3A%2F%2Fwww.vanguard.com%2Fpdf%2Fvmc_sofc.pdf&ei=JnAwVffcKsLkoATwl4CIBA&usg=AFQjCNErF3K4TfAC8ZuG6wrHIrVSSCDx...
by pkcrafter
Thu Apr 16, 2015 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Where can I find Vanguard Group's financial report?
Replies: 2
Views: 582

Re: How to (diplomatically) challenge wife's active mgmt fun

100% equity for an unsophisticated investor age 37 does not seem prudent.. Ok you are paying loads, but not advisory fee, but you did mention an ongoing management fee. What is that? I used the term "advisory", but it means management fee. I don't think it's ethical for an advisor to charg...
by pkcrafter
Thu Apr 16, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 5249

Re: How to (diplomatically) challenge wife's active mgmt fun

You will have a hard time meeting the advisor in person. It is highly likely he will interpret this discussion as a direct attack on his business model and moral character. Well, he may not interpret the discussion as a direct attack, but this is the defense he will use. He being a poor untrusted v...
by pkcrafter
Thu Apr 16, 2015 10:25 am
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 5249

Re: Humorous Investing are Videos are Back Up!

Thanks for bringing these back--they are good.

Paul
by pkcrafter
Wed Apr 15, 2015 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Humorous Investing are Videos are Back Up!
Replies: 8
Views: 1414

Re: How to (diplomatically) challenge wife's active mgmt fun

Don't bother wasting your time going to a meeting with the advisor, it won't do a bit of good. If your wife isn't open to your suggestions, let it go.

Paul
by pkcrafter
Wed Apr 15, 2015 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: How to (diplomatically) challenge wife's active mgmt funds
Replies: 90
Views: 5249

Re: Does the daily re-balancing undermine asset allocation?

jonnybh wrote:
Looking at the Moderate LifeStrategy fund during 2008, it appears to fall further then a similar mix of total Stock, Bond, and International. (by my calculations falling ~37% instead of ~33%)

LS moderate fell 28.9% according to Vanguard. 26.5% on M*. Total stock market fell 37%.

Paul
by pkcrafter
Wed Apr 15, 2015 7:01 am
 
Forum: Investing - Theory, News & General
Topic: Does the daily re-balancing undermine asset allocation?
Replies: 13
Views: 1322

Re: Need help understanding market cap in total market

Sheetzilla, looks like you're catching on. Different providers may have different definitions.

Here's what the Center for Research in Security Prices (CRSP) does.

http://www.crsp.com/indexes-pages/key-c ... reakpoints

Vanguard TSM uses this index as a benchmark.


Paul
by pkcrafter
Wed Apr 15, 2015 6:49 am
 
Forum: Investing - Theory, News & General
Topic: Need help understanding market cap in total market
Replies: 12
Views: 1001

Re: Regaining control of an investment from an advisor

I feel that it's time to handle these funds myself, but I am nervous that she will say, 'okay, take over' and I won't have any idea how to transfer/reallocate/figure out how to do this. Some funds are in annuities. How do I go about this? Don't get hasty about moving stuff yet. Can't you drop the a...
by pkcrafter
Tue Apr 14, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regaining control of an investment from an advisor
Replies: 4
Views: 614

Re: Can I incorporate stop loss into this investment philoso

Nan: I'm trying to think through if there is a hybrid strategy that combines stepping out of the market during a significant downturn with buy and hold. I'm afraid there isn't such a strategy. Your post has a couple of statements that need to be clarified. My husband is 64 and we are a little short ...
by pkcrafter
Mon Apr 13, 2015 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 1595

Re: Does anyone use myRA?

This article addresses some of your questions.

http://blogs.wsj.com/washwire/2014/01/2 ... -accounts/

Paul
by pkcrafter
Mon Apr 13, 2015 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Does anyone use myRA?
Replies: 5
Views: 1139

Re: Need some help with SPIA choices

I don't think your aunt should consider a SPIA at age 57. Returns will be much more attractive if she waits until age 66. Withdrawing 3% at age 57 should be OK, but she also should drop the equity to maybe 40%-45% for now to protect against an unfavorable sequence of market returns. At 75% equity, s...
by pkcrafter
Sun Apr 12, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need some help with SPIA choices
Replies: 6
Views: 758

Re: Invest now or wait??

How much do you have invested now? Is it also very aggressive at ~95% stock?

Paul
by pkcrafter
Sat Apr 11, 2015 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest now or wait??
Replies: 22
Views: 2192

Re: Indicator of a bad advisor?

I guess one question is--Is the advisor making a lot of trades in June and November? That would only make the 2% advisory fee even worse. If the CPA mentioned this, then the situation is probably reeeealy bad.

Paul
by pkcrafter
Sat Apr 11, 2015 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Indicator of a bad advisor?
Replies: 13
Views: 1662

Re: Should My Parents Switch Their Bond Funds?

If tax bracket is 15%, then keep it. If higher, they might consider a tax exempt bond fund, but not long term. Paul Thanks, Paul. Would you suggest short-term, then, or something else? The Intermediate Term Tax-Ex Fund is excellent. Yes, this would be my suggestion as well--as long as comments on t...
by pkcrafter
Fri Apr 10, 2015 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Should My Parents Switch Their Bond Funds?
Replies: 10
Views: 781

Re: Should My Parents Switch Their Bond Funds?

If tax bracket is 15%, then keep it. If higher, they might consider a tax exempt bond fund, but not long term.

Paul
by pkcrafter
Fri Apr 10, 2015 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Should My Parents Switch Their Bond Funds?
Replies: 10
Views: 781

Re: Small cap premium

James wrote: If small cap premium (or value stocks for that matter) can be arbitraged away after discovery, why hasn't that already happen? Nisiprius has provided 5 reasonable explanations. I'm in the No. 5 camp, although I'd say behavior is the reason for the premium and the reason why it is interm...
by pkcrafter
Thu Apr 09, 2015 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Small cap premium
Replies: 32
Views: 2392

Re: setting up a KISS portfolio

It's a bazaar story. They thought they were married. Really? Seems they never made the commitment-house in her name, separate accounts, filing separate? . Then when they discovered they weren't, it all quickly blew up. Wonder what the IRS is going to think of this. Maybe they should file divorce pap...
by pkcrafter
Wed Apr 08, 2015 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: setting up a KISS portfolio
Replies: 6
Views: 688

Re: How do I categorize these funds

Jay, I looked a little further into your 401k trust, and yes it's a government plan so not subject to ERISA. Furthermore, it appears you must contribute. Not so bad because you get a very good match. The trust is a 60/40 portfolio, but lots of risk on the bond side. I think the learned committee cou...
by pkcrafter
Wed Apr 08, 2015 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I categorize these funds
Replies: 18
Views: 1092
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