Search found 2954 matches

by MnD
Mon Aug 14, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6180

Re: It's easy to have an investment plan until you get punched in the face

One's ability to stick with buy and hold is inversely proportional to the frequency they look at their accounts. One's ability to stick with buy and hold is inversely proportional to the frequency they start or affirm posts about how large numbers of "others" will be unable to stick with buy and ho...
by MnD
Sun Aug 13, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 8018

Re: 4% Rule has changed.....not

Stable lifelong non-portfolio income: Social Security delayed until age 70. A non-rolling TIPS or CD ladder to fill the income gap between retirement and the start of SS payments. (This ladder should be kept separate from the portfolio; it does not participate to portfolio withdrawals and rebalanci...
by MnD
Sat Aug 12, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2065
Replies: 6
Views: 1104

Vanguard Target Retirement 2065

https://www.wsj.com/articles/retiring-in-2065-are-far-off-target-date-funds-worthwhile-1502539200 Vanguard Group is urging investors to think ahead when it comes to retirement planning. Way ahead. The Malvern, Pa., asset manager last month launched Vanguard Target Retirement 2065, a target-date fund...
by MnD
Sat Aug 12, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2055

Re: TSP Allocation Strategy for the AGRESSIVE Investor

I don't see any reason to overweight the US especially now. I am moderately aggressive (70/30) especially for my age (55 and 1 year from retirement) per below. For aggressive you could lower the G fund % and add proportionally to the other funds. If you are going to be aggressive you need to add cou...
by MnD
Sat Aug 12, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 128
Views: 5723

Re: How far would you travel to see The Eclipse?

Been planning for about 18 months. we are doing 200 miles each way for 4 night camping trip in a state campground and lake near Glendo, WY that is directly under the center-line of totality. We have multiple friends with multiple boats coming so we may be out in the lake in a flotilla during the eve...
by MnD
Thu Aug 10, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3712
Views: 977203

Re: U.S. stocks in freefall

Thanks MnD, about the astrology of the stock market, given The Eclipse :wink: Here... look... my FAVORITE type of prediction: "" If <whatever> is impacted by the solar eclipse it may or may not influence the price of the stock ." [emphasis added] These guys are GOOD! RM It has begun.......... Near ...
by MnD
Thu Aug 10, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3712
Views: 977203

Re: U.S. stocks in freefall

7 trading days between now and the great US solar eclipse! :shock: http://www.astrologicalinvesting.com/html/articles_pages/articles-eclipses.html Ok, So It's An Eclipse...What Readers On This Website Really Want To Know Is "How Will An Eclipse Potentially Impact The Financial Market?" [Content in e...
by MnD
Wed Aug 09, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU Special 5-Month Certificate 3.00% APY
Replies: 3
Views: 980

Re: Navy FCU Special 5-Month Certificate 3.00% APY

$125 max (10K at 3% for 5 months).
I guess if I had funds and accounts there already just sitting it might be worth the hassle, but otherwise not.
What happens at the end of 5 months? Their money market savings and regular CD rates are pretty mediocre.
by MnD
Thu Aug 03, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: Why Do Stocks Keep Hitting Records? msn/WSJ
Replies: 25
Views: 3783

Re: Why Do Stocks Keep Hitting Records? msn/WSJ

Absent volatility, stocks would keep hitting record highs every single trading day.
by MnD
Wed Aug 02, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 1960

Re: Personal Capital without giving them my passwords: worth it?

Especially since it seems to know how to categorize my TSP "S" and "I" funds, but labels the "C" fund (S&P 500) as an "alternative investment". Something is messed up. All my domestic equity tsp funds C and S are correctly allocated between the various la...
by MnD
Wed Aug 02, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 1960

Re: Personal Capital without giving them my passwords: worth it?

i think their allocation model works very well. The big difference between others I use is that it extracts REITS, gold, energy and commodity stocks and creates an "alternatives" category which in my case is almost 3%. If you add that % back to stocks in proportion to your US and internati...
by MnD
Mon Jul 31, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What kind of cleaning service do you use?
Replies: 15
Views: 1556

Re: What kind of cleaning service do you use?

We use a corporate service - they send a team of 2 - usually the same ones with relatively low turnover. It's pretty good but not fantastic.
The best IMO are family run and operated services - multiple cleaners but not the corporate overhead. Hard to find though.....
by MnD
Mon Jul 31, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31211

Re: John Bogle Has Been Right About Investing In International Stocks

YMMV and if you believed that America is not as exceptional or safe as it was before, you may weigh the balance differently. When you see data like this... https://pbs.twimg.com/media/C8065GsW0AEoXDU.jpg ...it raises questions about how long such a divergence between global GDP share vs global mark...
by MnD
Sun Jul 30, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 3269

Re: Alternatives to the Vanguard Total International Fund?

Since inception on 5/1/2001 growth of $10K for Dodge and Cox International has been $35.0K versus $23.3K for VG Total International. I'm not good with images but the morningstar graph indicates DODGX total return was never below VG total international 5/1/2001 to date for growth of 10K. m Total retu...
by MnD
Sun Jul 30, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31211

Re: John Bogle Has Been Right About Investing In International Stocks

Investing in US "only" at global market capitalization (54% US) is not some big risky bet on the rest of the world. US GDP is less than 25% of global GDP. US equity markets are very mature and richly valued, hence the high weight in US equity in all-country indices. While I'm not going to ...
by MnD
Sat Jul 29, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7870

Re: Should you wait until the due date to pay credit card balance?

We have used autopay in full on due date pulled by the CC companies (currently 2 megabanks) from checking (another megabank). We each use 3-card systems for points-rewards so it's six autopays per month. We also use autopay to the credit cards for every bill possible which maximizes points/rewards a...
by MnD
Wed Jul 26, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7870

Re: Should you wait until the due date to pay credit card balance?

Who has time for this nonsense?
Set up "autopay in full on due date" the day you get a new card.
Set it and forget it.
If you have credit score issues it's not because you don't pay your credit card balance off 15 times a month or other "systems".
by MnD
Wed Jul 26, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31211

Re: John Bogle Has Been Right About Investing In International Stocks

Cognitive biases such as exceptionalism, extreme nationalism, jingoism make it almost impossible to maintain an internationally diversified equity portfolio along the lines of index market cap weighting that is a hallmark of this forum. Periods of home-country equity outperformance will reinforce th...
by MnD
Sun Jul 23, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 44
Views: 4382

Re: Federal employees considering early out - buyout?

Huge reference point shift! Prior to the possibility of early-out buyout I had a plan and a date and the positives and negatives of the next 14 months of employment were acceptable and tolerable. Now with the reasonable possibility of an offer to exit in say 2-month time frame - the value of the pos...
by MnD
Sun Jul 23, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 44
Views: 4382

Re: Federal employees considering early out - buyout?

I retired in my early 50's and believe it helped me age better with quality food eaten when I feel hungry. Plus the lack of stress and anxiety working with humans that I would never associate with in private life....Etc. SeeMoe.. It hasn't been offered yet (early out or buyout) at my agency, but th...
by MnD
Sat Jul 22, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11278

Re: What's your personal savings rate?

20% now and that's around our 30+ year average. I recall as high as 33% (pre-kids) and as low as 10% (right after kids) but 20% seemed to be the anchor. We're both retiring in the next 3-12 months at age 55 with a sustainable post-employment financial standard of living something like 105% of our cu...
by MnD
Sat Jul 22, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11278

Re: What's your personal savings rate?

What's your savings rate as a percent of your gross income? What goes into that (three fund portfolio, real estate holdings, etc)? How has that changed over time? Any tips for others on how you managed to achieve that rate? I'll start. My target for myself is 20%. That goes into stocks/bonds only, ...
by MnD
Fri Jul 21, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2247

Re: Does anyone set portfolio goals and rewards?

Maybe throw (fly) some paint can in the air and see what happens when you hit goals. Sounds fun! PPG Industries, Inc. is an American Fortune 500 company and global supplier of paints, coatings, specialty materials, and fiberglass. With headquarters in Pittsburgh, Pennsylvania, PPG operates in more t...
by MnD
Wed Jul 19, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Options for College Savings
Replies: 17
Views: 833

Re: Options for College Savings

The Pacific Life fund idea is terrible. Typical adviser-sold product to make lots of money for the financial adviser at the client's expense. The MA 529 plan looks great, especially with the tax break. It's run by Fidelity with lots of age-based allocation, static allocation and individual index fun...
by MnD
Tue Jul 18, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: "How many funds do you really need to diversify"
Replies: 4
Views: 1205

Re: "How many funds do you really need to diversify"

Sounds good in theory until the reality that his TSP doesn't have a total US stock fund but does have a large cap and small cap index options and his international is just EAFE (large cap developed) with no small cap or EM and on the plus side the fixed income fund is superior to just about anything...
by MnD
Sun Jul 16, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2906

Re: Do you pay fees to buy funds or ETFs?

It's wonderful that ERs have got so rock-bottom low, but it would appear a lot of the savings is being bled away by these trading costs (Full disclosure, I'm a mid-50s fund buyer and I haven't ever paid a fee to buy a fund.) It's easy to get lulled into thinking that trading fees don't amount to mu...
by MnD
Sat Jul 15, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2223

Re: Does pension change allocation of funds?

For us yes. We are 70/30 now and for life only 15 months (possibly 3 months) from retirement. Current ages 54 and 55. When we blow up both our careers our financial standard of living will go up by 2% with our current investment spending plan (% of annual portfolio value plan) and other income strea...
by MnD
Fri Jul 14, 2017 7:51 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17698

Re: How are folks handling the unprecedented rise in the market ?

If this market rise is getting you all rattled you would have had a tough time in the 1980's and 90's.
Water cooler discussions about which lousy "maximum capital gains" category funds were up only 50% last year.........
by MnD
Thu Jul 13, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10465

Re: % bogleheads of overall population

Any analysis of say "Vanguard plan participants" or "Fidelity plan participants" is very skewed from the get-go. Compounding that is the tendency to use averages instead of medians. Retirement savings figures using the median of all US households is vastly different than averages...
by MnD
Wed Jul 12, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7205

Re: Do you consider business travel to be a perk or a burden?

The 2-3 industry/association conferences I go to and have for many years are a huge perk. I know everybody, hold/held leadership positions in the organizations and it's both professionally refreshing and lots of fun. I spend nearly all my time with folks from other organizations we work directly or ...
by MnD
Wed Jul 12, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Approximating a target maturity bond fund
Replies: 8
Views: 324

Re: Approximating a target maturity bond fund

Save regularly/automatically Invest mainly for growth and some income/stability according to your risk tolerance in a well-diversified portfolio. Come 25 years from now IF in fact you find you have some sort of tax liability on forgiven student loans (who knows what tax code changes will occur over ...
by MnD
Sat Jul 08, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: Stocks and Bonds both declining.
Replies: 60
Views: 5369

Re: Stocks and Bonds both declining.

For the 1966 retiree with a 4% SWR, the only thing a bond-heavy portfolio did was help them go broke a couple of years sooner (1987) versus an equity heavy portfolio (1989). Splitting the difference 50:50 meant going belly up in 1988.
by MnD
Thu Jul 06, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is a Normal Spending Percentage of Take-Home Pay?
Replies: 29
Views: 2507

Re: What is a Normal Spending Percentage of Take-Home Pay?

70% to 120% typical depending on the month. We divert all savings (and things like taxes) first from income - before take-home pay goes into spending accounts. On average probably 90% of what is earmarked for spending as take-home is actually spent, so maybe 10% of planned spending gets routed back ...
by MnD
Tue Jul 04, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 32713

Re: What's the ideal safe retirement net worth target?

I'm probably going to retire this fall and it would cost about $4M to purchase my portfolio, paid-off home and other retirement income streams. How I'll manage being $6 million short of the ideal safe number I'll never know. If you see me behind the 7-11 looking for aluminum cans in the dumpster in ...
by MnD
Tue Jul 04, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Mitigating time-out-of-market risk (401k rollover)
Replies: 17
Views: 1403

Re: Mitigating time-out-of-market risk (401k rollover)

I mitigated this with her 401-K to IRA rollover for a 80% equity portfolio that used regular first class mail to move checks. I used my 401-K to do so - temporarily boosting stock %. Sounds like that's not an option. For a 2/3rds bonds portfolio and using fed-ex I would not take any of the other mea...
by MnD
Mon Jul 03, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6507

Re: Vanguard recommended Retirement allocation too simple?

Placing 25% of a retirement portfolio (and 50% of the fixed income portion) in an investment grade total bond fund that has a longer duration and lower credit quality than total bond market, a yield that is over 70% lower and that includes among other risks including emerging market bonds utterly f...
by MnD
Sun Jul 02, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6507

Re: Vanguard recommended Retirement allocation too simple?

Placing 25% of a retirement portfolio (and 50% of the fixed income portion) in an investment grade total bond fund that has a longer duration and lower credit quality than total bond market, a yield that is over 70% lower and that includes among other risks including emerging market bonds utterly fa...
by MnD
Sun Jul 02, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6507

Re: Vanguard recommended Retirement allocation too simple?

I part ways with pure market cap indexing when it comes to fixed income. For example Japan has very high level of government debt (expressed as debt to GDP). However 5-year yield is -0.08% and 10 year is +0.07% for a variety of reasons, including political and cultural ones. Given this, does anyone ...
by MnD
Sat Jul 01, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3804

Re: FIREcalc says I can retire. Should I ?

Fear of change definitely increases the competition for the richest person in the graveyard contest.
by MnD
Sat Jul 01, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250495

Re: What are you up YTD? [Year To Date]

8.53%
70/30
Global market cap on equities
Mostly stable value on FI, with a sidecar of actively managed global bond (DODLX).
by MnD
Sun Jun 25, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 6206

Re: International Stocks - New thoughts

It's easy to argue "don't need international" or "no more than 20% international" in a new thread almost every day here when recent performance for international has been terrible. Avoiding or severely underweighting a major asset class when it just experienced a "lost decad...
by MnD
Sun Jun 25, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: The "angle" at Schwab
Replies: 32
Views: 4091

Re: The "angle" at Schwab

I stand corrected - the person on the web site as my primary contact is listed as "my consultant". I would characterize the relationship as having a dedicated and very available customer service representative that I utilize very infrequently because the vast majority of brokerage account ...
by MnD
Sun Jun 25, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?
Replies: 27
Views: 3072

Re: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?

Dottie57 wrote:What rate of return did you use?


You don't specify a rate of return in cfiresim.
I used "Historical data - all" which returns outcomes from 117 30-year cycles.
by MnD
Sun Jun 25, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: The "angle" at Schwab
Replies: 32
Views: 4091

Re: The "angle" at Schwab

My Schwab advisor was automatically assigned, is simply available if needed, and has been the same person for maybe 15 years. When I do call it's generally a complex issue and he typically routes me to a specialist and stays on the line for the whole call to ensure the issue is satisfactorily resolv...
by MnD
Sun Jun 25, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?
Replies: 27
Views: 3072

Re: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?

This is what PortfolioVisualizer shows for its Monte Carlo Simulation on a 5% of Balance withdrawal 4% of Balance withdrawal In the PV links, if you scroll down to the bottom chart showing inflation adjusted "Present Dollars" of annual withdrawal amounts I think the general downward slope...
by MnD
Sat Jun 24, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?
Replies: 27
Views: 3072

5% of portfolio balance a better SWR than 3-4% inflation-adjusted?

The drift here seems to be towards ever-lower SWR's versus 4% and little or no discussion about going higher. We can definitely live with some variability in portfolio spending and even with a worst case outcome of 3% SWR inflation adjusted, will still enjoy a full retirement. Other income sources c...
by MnD
Fri Jun 23, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8738

Re: Costco vs. Amazon - Thoughts of Prime Members?

For probably 15 years we have been steadily migrating our dollars to Costco _AND_ Amazon.
I've yet to see much competition between them.
They are two distinct models that are killing a fair share of conventional and mostly worn-out retail.
by MnD
Fri Jun 23, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 7771

Re: Can you share some of your financial goals?

We really didn't have any fundamental purely financial goals. But our life goals did take some financial wrangling. Our specific financial goals flowed from these, but only as a means to an end. Have kids (at least 2). Own good sized older home with character on big fenced lot in a nice safe neighbo...
by MnD
Thu Jun 22, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Sheltering in the TSP's G Fund...A bad idea?
Replies: 20
Views: 1849

Re: Sheltering in the TSP's G Fund...A bad idea?

In practice, the yield of the G fund tends to be about 90% of the yield of the 10-year Treasury. Thanks. 90% of the yield with no interest rate risk? That's spectacular . Yes it is. One can think of it as the federal government version of the stable value fund option in Megacorp's 401-K offerings.