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Re: MSCI World all countries equal weighted index

Thanks, to each of you.
Dave
by singletond
Thu Jun 12, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: MSCI World all countries equal weighted index
Replies: 5
Views: 839

MSCI World all countries equal weighted index

WSJ's 6/7/14 article "A random way to get rich" by Brett Arends, advocates 80% "Brett's randomly selected stocks" and 20% treasury bills with the stocks supposedly tracking the index above. I wanted to see if the graph in the article (of course it shows Brett's random selection o...
by singletond
Wed Jun 11, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: MSCI World all countries equal weighted index
Replies: 5
Views: 839

Re: Another CAPE milestone breached - 26

I used to be able to download Robert Shiller's PE10 data in a spreadsheet, but my link only finds old data. I didn't see in a link in this thread. Please could someone post link to PE10 data that is being kept up to date.
Dave
by singletond
Sun Dec 29, 2013 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2491

Re: Lease or buy a car?

We bought a Toyota Solara new in 1999 and it is in great shape today with 180,000 miles on it. Last month we were able to buy a 2004 Lexus RX with 70,000 miles on it.

You can save a huge amount of money keeping a car for a long time.
by singletond
Sun Nov 24, 2013 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lease or buy a car?
Replies: 33
Views: 3212

Re: bogleheads in England?

Thanks Nightowl, Yes that info is very useful. I phoned Vanguard (they want 100,000 pounds for an individual account) and Allied Trust which offers a fair range of VG funds, several of which do not carry an "ATS initial charge". Of those the lowest annual management charge (for equities) i...
by singletond
Thu Jul 11, 2013 8:25 am
 
Forum: Local Chapters and Bogleheads Community
Topic: bogleheads in England?
Replies: 8
Views: 992

bogleheads in England?

HI, I am researching saving for retirement for a British citizen living in England. I need to find out about UK tax protected accounts, etc. Does anyone know about this?
Dave
by singletond
Wed Jul 10, 2013 6:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: bogleheads in England?
Replies: 8
Views: 992

Convincing youngsters to save seriously

I have family members (in their late 20s) whom I have tried to convince to save seriously for retirement. A couple of years ago I told the "twins story" from "The Wealthy Barber". I recently found out that argument wasn't enough, so I need to try again. If any of you have argumen...
by singletond
Sun Feb 17, 2013 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Convincing youngsters to save seriously
Replies: 12
Views: 1300

Re: Social Security & working to an advanced age-Kotlikoff

I postponed taking SS until 70 and retired a couple of years after. It is inflation adjusted, so yes it grows in that sense (but not real terms), and earnings in those last couple of years also increased it in real terms. And for Brits who have a UK social security number and worked over there the U...
by singletond
Fri Feb 08, 2013 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Social Security & working to an advanced age-Kotlikoff
Replies: 26
Views: 2356

Jeremy Siegel's 1/3, 1/3, 1/3 diversification

On Squawk Box this morning Jeremy Siegel was quizzed about academic's recommending "owning the world". He said he owned 1/3 US, 1/3 emerging markets and 1/3 rest of the world. We have 40-45% outside the US and I thought that was a lot. How common is it for Bogleheads to have around 2/3 of ...
by singletond
Fri Feb 08, 2013 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel's 1/3, 1/3, 1/3 diversification
Replies: 14
Views: 1586

Benefits (or not) of rolling funds from Trad IRA to aRoth

We are obliged to take MRDs and these grow to a large % in later years. If one stays in the same tax bracket for a long time, is it worth rolling funds from trad. IRA to a Roth and pay the income tax now, rather than wait and pay the higher income tax on very large MDRs later? I assume that rolling ...
by singletond
Fri Feb 01, 2013 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Benefits (or not) of rolling funds from Trad IRA to aRoth
Replies: 3
Views: 423

Re: What was your 2012 return?

15.8% Data from Vanguard, about 90% VG stock index funds broadly diversified across domestic and int.
by singletond
Sun Jan 20, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20354

MRD immediately after retirement

I am already taking MRDs on my IRAs. However I was surprised to learn that immediately after retirement an MDR is required this year based on the value of the 401(k) on 12/31/2012. My 401(k) has about 30% in the Roth 401(k) bucket. The plan rules are that I cannot change the 401(k) in any way (such ...
by singletond
Thu Sep 13, 2012 11:48 am
 
Forum: Investing - Theory, News & General
Topic: MRD immediately after retirement
Replies: 5
Views: 464

Re: % in each Morningstar style box to match stock market

Thanks all, pkcrafter in particular. Wiki provided exactly what I was after.
Dave
by singletond
Wed Sep 12, 2012 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: % in each Morningstar style box to match stock market
Replies: 4
Views: 477

% in each Morningstar style box to match stock market

Can anyone point me to a source that shows what % of a portfolio would have to be in each Morningstar style box for the diversification to match the US domestic stock market? (I assume it's not 100% divided by 9)

Dave
by singletond
Tue Sep 11, 2012 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: % in each Morningstar style box to match stock market
Replies: 4
Views: 477

medium term investments during retirement

I am approaching retirement. We have 2 years of top-up money (diff. between Soc. Sec. etc. and total expenses) in near-cash (Evensky) in a taxable account - the short-term bucket. We have IRAs holding broadly diversified VG stock index funds (Berstein) - the long term (5+ year) bucket. I am not sure...
by singletond
Fri Mar 02, 2012 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: medium term investments during retirement
Replies: 3
Views: 535

inheritance of an IRA by foreign national

Hi, I understand that the benficiary of an IRA is controlled by the financial instution's records of beneficiaries for the account (and not by the "Will"). If the beneficiary of a traditional IRA is a foreign national I assume he/she will have to prove he/she is the right person and then p...
by singletond
Sun Dec 18, 2011 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: inheritance of an IRA by foreign national
Replies: 3
Views: 625

Taxes WITHHELD are not time-sensitive

Thanks to you all, especially for the "Taxes WITHHELD are not time-sensitive" statement and others who backed it up. I'm in Texas and there is no state income tax.

Now I can go back to worrying about something else.

Dave
by singletond
Tue May 03, 2011 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Using MRD to help avoid paying ESTIMATED taxes
Replies: 16
Views: 2395

Using MRD to help avoid paying ESTIMATED taxes

If I take my MDR in late December and have Vanguard withhold a lot of Federal tax, does the Fed accept that all that tax money arriving as a lump so late in the year fulfills "90% of the tax to be shown on your 2011 tax return" (Form 1040-ES). So that I thereby avoid estimated taxes paid q...
by singletond
Mon May 02, 2011 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Using MRD to help avoid paying ESTIMATED taxes
Replies: 16
Views: 2395

4% safe withdrawal amount

A number of author’s have criticized Bengen’s (1994) paper that argued that 4% (adjusted for inflation) could be safely withdrawn from ones savings with very low likelyhood of running out of savings during retirement. Most point out that using 4% leaves money on the table. Kitces’s (2008, http://www...
by singletond
Fri Feb 18, 2011 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: 4% safe withdrawal amount
Replies: 49
Views: 6942

holding small/value funds in taxable account

William Bernstein does not recommend small and/or value mutual funds (or ETFs) in taxable accounts. I really don't want to make the long term commitment (to avoid the early withdrawal fees) of Vanguard tax managed funds. Can anyone provide an estimate of the penalty of holding small and/or value fun...
by singletond
Wed May 05, 2010 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: holding small/value funds in taxable account
Replies: 29
Views: 4915

the next "big one'

Looking back we should have been able to see a few of the signs before recent crashes. What if the next crash is a cyber attack that prevents access to short term funds and financial institutions disaster recovery resources do make your retirment savings avilable for a year or so. We have 20% at Fid...
by singletond
Fri Apr 16, 2010 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: the next "big one'
Replies: 40
Views: 7330

bernstein book

In reply to : "If Bill Bernstein writes it, its worth reading. No exception here. Even if you have read his other books."

I wonder if he's as good as the author of that "What wall street doesn't ..." book?
by singletond
Thu Apr 15, 2010 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: New book; Investor's Manifesto" by William Bernstein
Replies: 16
Views: 3938

New book; Investor's Manifesto" by William Bernstein

I liked his book "Intelligent Asset Allocator". Anyone read his new book, and have an opinion?

dave
by singletond
Thu Apr 15, 2010 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: New book; Investor's Manifesto" by William Bernstein
Replies: 16
Views: 3938

need graph to compare performance including dividends

I understand that when I use Yahoo to compare performance of tickers the graph is of that the price change alone and does not include the dividends that add to the owners wealth (although those individual dividends can be displayed). So I could compare two tickers and the upper line (rising more ste...
by singletond
Mon Mar 22, 2010 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: need graph to compare performance including dividends
Replies: 1
Views: 486

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