Search found 8 matches

by LXEX55
Fri Aug 11, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2002

Stable Value Funds vs Bond Funds

I plan to retire next year, and am pretty sure I am going to allocate my funds 60% stock index funds and 40% bond index funds. My wife feels that we should put the 40% in Stable Value Funds rather than bond funds, since she feels bond funds cannot go any higher, as the interest rate seems to be cree...
by LXEX55
Sat Jun 24, 2017 4:26 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1838
Views: 1076605

Re: The Three-Fund Portfolio

This is very similar to what Ben Stein recommends in YES, YOU CAN STILL RETIRE COMFORTABLY. Only difference is, Stein includes Inflation Indexed Bond fund, along with the other three mentioned. He recommends 25% for each fund, no matter what your age. I am not sure I am going to go with the 50% in s...
by LXEX55
Sun Jun 18, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1838
Views: 1076605

Re: The Three-Fund Portfolio

May I ask what would be the suggested allocation of these three funds for a person who retires at age 63? Would you just do 33% each or go heavier on one fund?
by LXEX55
Sun Nov 27, 2016 6:40 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1838
Views: 1076605

Re: The Three-Fund Portfolio

In his book YES, YOU CAN STILL RETIRE COMFORTABLY! Ben Stein recommends something very similar:
50% total stock market index; 50% total bond market. He offers an alternative: 25% total U.S. Bond Market Index, 25% total U.S. stock market index, 25% inflation indexed bonds, 25% international stock.
by LXEX55
Sun Nov 27, 2016 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 8487

Re: Investing in the 80's when CD rates were 17%?

Sure, I remember. Those high CD return rates were the foundation for many "buckets" investors. People would ladder their investments up to five years, with a CD coming due each year. I remember my mom in Florida visiting each bank checking their interest rate and often negotiating for a sl...
by LXEX55
Sun Sep 11, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions of the Couch Potato Retirement Portfolio
Replies: 9
Views: 1480

Opinions of the Couch Potato Retirement Portfolio

In Ben Stein's book YES, YOU CAN STILL RETIRE COMFORTABLY he recommends the couch potato portfolio for retirement, which is basically 50% of your money in a total stock index and 50% in a total bond index. He also offers a slightly refined version which is 25% total U.S. bond market index, 25% total...
by LXEX55
Fri Feb 12, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: When do you cut bait and run?
Replies: 17
Views: 3343

When do you cut bait and run?

I am 60 years old, and six months ago, I had about $310,000 in my 401(k) which amounts to all of my cash assets. It is now worth about $265,000 and dropping daily. I am in index funds 100%. I realize now that it was a mistake not to diversify, but hindsight in 20/20 and I obviously need glasses. At ...
by LXEX55
Fri Feb 12, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 12270

Re: What is your decline in Net Worth as of today?

My 401k is down 7.5% since January.