Search found 50 matches

by Kennyt7
Wed Apr 11, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3168

Re: Any aggressive index funds in your portfolio?

you should have small cap or small cap value
small caps have outperformed long term by 2%
by Kennyt7
Wed Apr 04, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 1673

Re: Estimated taxes for 2018

use the trump tax calculator
pretty simple as most will use the standard deduction
by Kennyt7
Wed Apr 04, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Please help to simplify portfolio
Replies: 24
Views: 1338

Re: Please help to simplify portfolio

and too much work for your cpa and for you to keep track of
shoot the advisor
by Kennyt7
Wed Apr 04, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Please help to simplify portfolio
Replies: 24
Views: 1338

Re: Please help to simplify portfolio

THAT IS THE CRAZIEST PORTFOLIO!!! All you need is a max of 10 vanguard etfs and or index funds Total Stock Total Intl EM, Reits, Total Bond small cap, small cap value hi yield corp, inter term corporate KISS-KEEP IT SIMPLE YOUR PRESENT portfolio needs a genius to rebalance your advisor is a FIDUCIAR...
by Kennyt7
Mon Apr 02, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with Vanguard Investments Personal Advisor Services
Replies: 20
Views: 1882

Re: Advice with Vanguard Investments Personal Advisor Services

just do it yourself determine your AA and use 7-10 index funds covering the basic asset classes as any of their advisors will do total us stock total us bond reits em total intl small cap sma;ll cap value hi yield corporate interm term corp bond, etc why pay 3k on every million they will only use va...
by Kennyt7
Wed Mar 21, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Immediate annuity bridge to Social Security
Replies: 10
Views: 897

Re: Immediate annuity bridge to Social Security

no reason to buy an annuity at age 65 as you say you are finasncially healthy
the payounts are small as we are in a very low interest rate environment
most buy annuities SPIA at age 70 or a bit later
by Kennyt7
Mon Mar 19, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 5884

Re: Retirement will cost the average American $828,000

200k/yr less taxes= 168k
two residences nj and fla
by Kennyt7
Thu Mar 15, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. total world stock + bond fund
Replies: 20
Views: 2394

Re: 3 fund portfolio vs. total world stock + bond fund

bogle believes 20% of equity allocation to intl
from 1996 to 2016 sp500 did twice as well as intl
bogle was against intl frim day 1 changed a bit now
by Kennyt7
Mon Mar 12, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to bond funds?
Replies: 32
Views: 3688

Re: Alternative to bond funds?

ladder TAX FREE MUNIS
Malkiel suggests hi dividend paying stocks-fund for a fixed income substitute
by Kennyt7
Sat Mar 10, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 169
Views: 15290

Re: Torn between Vanguard, Fidelity and Schwab

vanguard has no shareholders we own the company
by Kennyt7
Mon Mar 05, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: advice on my retirement
Replies: 11
Views: 2212

Re: advice on my retirement

EVERYONE NEW TO INVESTING PLEASE GOOGLE AND READ "IF YOU CAN< HOW MILLENNIALS CAN GET RICH SLOWLY" and thank me later
by Kennyt7
Sun Feb 18, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 3068

Re: Which book for an 18 year old who is asking about investing?

RANDOM WALK DOWN WALL STREET IS A MUST READ FOR EVERY INVESTOR, THEN BOGLE'S BOOKS ON MUTUAL FUNDS!
by Kennyt7
Sun Jan 07, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do we have too much in bonds?
Replies: 25
Views: 2830

Re: Do we have too much in bonds?

I am 68 with 18% of 5.2 million in equities and I sleep like a baby. When you near retirement sequence of returns is critical and you should derisk your portfolio. When you win the game take most of the chips off the table unless you can withstand a yearly loss of 50% or a long period of stagnation ...
by Kennyt7
Mon Nov 27, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement personal advisor
Replies: 14
Views: 1734

Re: Retirement personal advisor

Vanguard is always a good choice
Robo Advisors like Betterment or Wealthfront are fiduciaries as well and charge .25% of Assets managed
by Kennyt7
Tue Nov 21, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: DISTRIBUTIONS
Replies: 9
Views: 1425

Re: DISTRIBUTIONS

4.4 in ira 900k in munis ss for both about 40k no debts 68,67
probably can not do enough roths to make much of a difference
my goal is to preserve capital
have taken distributions for almost 10yrs, probably a million dollars
by Kennyt7
Tue Nov 21, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 20080

Re: Is holding bonds now dangerous?

of course you need bonds in your portfolio at any time
there was a recent 30yr period where bonds returned on average about 8.5%
I bought 10yr cds a bunch of yrs ago at 5%. My buddy said then rates gotta go up
DONT LISTEN TO FORECASTERS
by Kennyt7
Tue Nov 21, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: DISTRIBUTIONS
Replies: 9
Views: 1425

DISTRIBUTIONS

68yr old married with 4.4 million in IRA
Any suggestions on doing some Roth Conversions
by Kennyt7
Mon Sep 04, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: NJ municipal bonds
Replies: 5
Views: 731

Re: NJ municipal bonds

The default rate on investment grade bonds is miniscule. Buy A rated or better GO bonds if available
by Kennyt7
Mon Sep 04, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: NJ municipal bonds
Replies: 5
Views: 731

Re: NJ municipal bonds

Have owned NJ Muni bonds for the last 40yrs!!!
by Kennyt7
Sat Aug 12, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Pay down home or increase Retirement Contributions
Replies: 21
Views: 1780

Re: Pay down home or increase Retirement Contributions

Any excess $$$ could be additional principal payments towards mortgage if desired
by Kennyt7
Sat Aug 12, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Pay down home or increase Retirement Contributions
Replies: 21
Views: 1780

Re: Pay down home or increase Retirement Contributions

MAX OUT RET PLAN contributions The mortgage will be paid off
by Kennyt7
Fri Aug 11, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Near Retirement Portfolio Review
Replies: 9
Views: 1839

Re: Near Retirement Portfolio Review

sell that stock in the most tax efficient manner and keep a small amount if desired
nothing wrong with your portfolio and a 4% withdrawal rate
by Kennyt7
Thu Aug 10, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 2049

Re: Advice on picking a dentist

if you are a pt with a dental hmo, the cheapest plan with the worst payments to dentists, you might be hit with lots of upgrades, surcharges, etc etc they pay us like 6-7 bucks a month per pt to do most procedures we make money when pts do not show up ever but most docs do not take this CRAP! beware...
by Kennyt7
Wed Aug 09, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 7368

Re: I pay $6K in rent. Am I an idiot for not buying?

yes with that income buy something
by Kennyt7
Wed Aug 09, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Funds in a Traditional IRA?
Replies: 24
Views: 1643

Re: Municipal Funds in a Traditional IRA?

I actually own a few individual muni bonds in my ira paying around 4%
by Kennyt7
Tue Aug 08, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 7039

Re: What is an appropriate lower risk asset allocation once one has "won the game"

100% equities age 73 is preposterous When you win the game you need to only thibk about capital preservation(marginal utility of wealth) I am 67 and have 18% of a 5.2 million dollar portfolio in fixed income Happy to get 4-5% yearly income plus 40k SS and not touch principal If you cannot afford to ...
by Kennyt7
Mon Aug 07, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal strategies in retirement
Replies: 4
Views: 1049

Re: Withdrawal strategies in retirement

research will tell you a mix of taxable and ira withdrawals during retirement your modified agi will determine your medicare part b premiums so check that out as well most research states a 4% withdrawal rate and a stock portfolio between 30-70% will last forever you probably will see your portfolio...
by Kennyt7
Mon Aug 07, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3758

Re: Should I Buy a New Car?

keep the car a no brainer you will get another 100k miles
by Kennyt7
Mon Aug 07, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 7274

Re: Time to leave our dentist??

as a retired gp there is gross overtreatment in dentistry as well as medicine because of greed and the exorbitant tuitions to get your degree adults should not be getting new cavities yearly but fillings do break down not much in dentistry is permanent excessive xrays are also pretty common get a se...
by Kennyt7
Mon Aug 07, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 3659

Re: How do you deal with financial anxiety?

If you are anxious you have too much in the stock mkt I sleep like a baby with 16% in a 5.2 million portfolio age 67
by Kennyt7
Thu Aug 03, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 57
Views: 11563

Re: Best "investment tip" I have gotten from Bogleheads

seltzer maker, refilling canon cartridges for my copier(anyone can learn to refill them or others), buying certified used cars off lease
by Kennyt7
Wed Aug 02, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Questioning use and viability of Muni in taxable account
Replies: 15
Views: 1572

Re: Questioning use and viability of Muni in taxable account

buy individual 5k munis nothing beats tax free monthly income
have done it for 40yrs they are quite safe
do not worry about rates if you dollar cost average over many yrs
by Kennyt7
Wed Aug 02, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 66
Views: 14291

Re: Jack Bogle - Two Fund Portfolio

thought the gold standard is MPT
by Kennyt7
Thu Jul 27, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 133
Views: 10881

Re: What advice to give 21 year old?

Think Vanguards Target Funds include intl bonds
by Kennyt7
Sun Jul 23, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: RIA [Registered Investment Advisor]
Replies: 7
Views: 866

RIA [Registered Investment Advisor]

Need to find source material for series 65 Exam
Any suggestions well appreciated
by Kennyt7
Thu Jul 20, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 7365

Re: Most Americans don't trust financial advisers

well with 40% of funds now indexed, investors are obviously learning the game
Eventually we will hit 100% when its taught in school as the state of Washington has recently mandated
by Kennyt7
Thu Jul 20, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Advice about bond funds in a taxable account
Replies: 9
Views: 864

Re: Advice about bond funds in a taxable account

buy 500k of individual munis from your state
by Kennyt7
Wed Jul 19, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 28
Views: 3297

Re: Schwab's Modern Approach to Asset Allocation - Comments

The goal of Wall St is to dumb down the public, make them think investing is complex, and to use their firms and advisors to generate outlandish fees
FYI-40% of funds are now INDEX FUNDS-the PUBLIC HAS CAUGHT THE DRIFT!!!
by Kennyt7
Sun Jul 16, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Index Fund vs SP 500
Replies: 25
Views: 3642

Re: Total Stock Index Fund vs SP 500

since 2002 or so the total has done about .6 better-from vanguard website
by Kennyt7
Sun Jul 16, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Need your input and opinion
Replies: 10
Views: 1401

Re: Portfolio Review: Need your input and opinion

small caps have done better than total stock mkt or sp500 long term
by Kennyt7
Sun Jul 16, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: retiring soon need fixed income suggestions and portfolio critique
Replies: 10
Views: 1587

Re: retiring soon need fixed income suggestions and portfolio critique

put the cash in tax free munis
you need to simplify and put everything into vanguard
whoever is advising you should be fired asap :happy
by Kennyt7
Sun Jul 16, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 17294

Re: Anyone else gotten totally bored with investing?

Index investing is boring but COMPOUNDED PROFITS ARE NOT
My thanks to malkiel and bogle for pointing me in the right direction

Suggest all here take a look at WHITE COAT INVESTOR SITE-great piece on learning about mutual funds for the novice
by Kennyt7
Sun Jul 16, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: When to reduce risk?
Replies: 18
Views: 1839

Re: When to reduce risk?

When nearing retirement and reaching your goal, you need to think preservation of capital(marginal utility of wealth)
by Kennyt7
Fri Jul 14, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2133
Views: 1309731

Re: The Three-Fund Portfolio

historically small caps win the stock allocation; about 12%
by Kennyt7
Thu Jul 13, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Muni Bond Or a Fund
Replies: 5
Views: 829

Muni Bond Or a Fund

Which do you prefer long term? Individual munis in 5k denominations or a tax free bond fund.
I have built a portfolio of individual munis over 40yrs
The default rate on investment grade bonds is miniscule
by Kennyt7
Thu Jul 13, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2133
Views: 1309731

Re: The Three-Fund Portfolio

you need a small cap fund and an em fund
by Kennyt7
Thu Jul 13, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investment/Retirement Planning for couple @ 50
Replies: 4
Views: 792

Re: Investment/Retirement Planning for couple @ 50

yes you will need 2 million at retirement with a safe withdrawal rate and SS for both, you will be fine
when you reach your goal LOCK IT IN as best you can(marginal utility of wealth)
by Kennyt7
Thu Jul 13, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Need your input and opinion
Replies: 10
Views: 1401

Re: Portfolio Review: Need your input and opinion

make sure you include small cap, intl stock and bond, em, reits and vanguard total stock
by Kennyt7
Mon Jan 19, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 5495

Re: Immediate fixed income suggestions

With 2.2 million and withdrawal of 3-4%, there are no issues
Keep80% in bond funds and the rest in stock index fund
She cannot run out of money