Search found 2528 matches

by RadAudit
Thu Aug 17, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 18
Views: 547

Re: Is it worth it?

Well, I was never successful - I'm still not successful - ; but, I know a little about 9 to 5 jobs - actually 7 to 4. You don't get to spend that much more time with the kids. By the time you get back home, it's about 5 or so. And the kids will likely be in bed after dinner and a bath or about 7 or ...
by RadAudit
Tue Aug 15, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which International Fund is Best
Replies: 8
Views: 728

Re: Which International Fund is Best

bloom2708 wrote:
Tue Aug 15, 2017 1:13 pm
Stick with the broad based, low cost, index fund approach.
+1

Additionally, cap weighted and diversified in a manner that is representative of the size of the various stock markets / regions around the world (ex-US)
by RadAudit
Mon Aug 14, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 62
Views: 5699

Re: Retired Boglehead obsession with money- devil's advocate

protagonist wrote:
Mon Aug 14, 2017 3:34 pm
Most people with a fraction of what you have live a financially satisfying retirement.
Something I need to be reminded of fairly frequently. Thanks.
by RadAudit
Mon Aug 14, 2017 3:19 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: 6374

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

KlangFool wrote:
Mon Aug 14, 2017 10:17 am
If the market crashes, do you need to do something in order to rebalance? If the answer is nothing, it is easier to follow your investment plan.
+1

Good point.
by RadAudit
Mon Aug 14, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 38
Views: 4206

Re: What a Low Return Outlook Means for Your Retirement?

Perhaps my portfolio can only provide me with inflation adjusted income for 30 years and keep track with inflation. Is that a devastating result? Devastating? I hope not. It's a result I'm hoping to achieve. I even hope there's enough left over for the DW - as long as she needs it - and may be some...
by RadAudit
Sun Aug 13, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6192

Re: How does personal wealth affect job hunting?

I am quite pleased to read of the much deserved job opportunities / search of the near FI and near retirement crowd. (Congrats, again. Much deserved!!) On the other end of the job search / life curve is an anecdotal incident. DS is now looking for a job. He's been looking for the job for at least th...
by RadAudit
Fri Aug 11, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 27
Views: 2405

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

Well, I did revise my plan to a more conservative slant during two bear markets. Found out my risk tolerance wasn't as high as I thought.

Does that count?
by RadAudit
Mon Aug 07, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: "Why Some Already High-Cost Funds Are Looking Even Pricier."
Replies: 1
Views: 474

Re: "Why Some Already High-Cost Funds Are Looking Even Pricier."

The way I understand the article is as more money goes to low cost funds (passive, index) the average fee falls. So, if high cost funds don't reduce fees, relative to the average their fees are higher. The high fee funds have a choice, reduce fees or lose more assets as investors look for lower cost...
by RadAudit
Sat Aug 05, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7070

Re: Study: Who Sold Stock During the 2008-9 Crash?

The point is, nothing about "boglehead" or any other investment approach gets you, as the investor responsible for results for your loved ones, off the hook for serious and irreversible bad consequences. The buck stops with you That's part of the reason why I've tried - without much succe...
by RadAudit
Fri Aug 04, 2017 6:04 am
Forum: Investing - Theory, News & General
Topic: Dow up-Total Stock Market Index Fund Down??
Replies: 14
Views: 1189

Re: Dow up-Total Stock Market Index Fund Down??

Don't watch the Dow. Look at the S&P 500 and the Nasdaq (sp?). If both of those are up and TSM is down, and it isn't toward the end of the quarter, let us know.
by RadAudit
Thu Aug 03, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying Boat - Equity Loan or Cash
Replies: 9
Views: 825

Re: Buying Boat - Equity Loan or Cash

I don't think you'd like to live on a new boat you could buy for $65k. Might be cramped, if it were a sailboat.
by RadAudit
Wed Aug 02, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Son
Replies: 21
Views: 2241

Re: Advice for Son

A three fund portfolio - in some form - is scalable. All he has to do is figure out his need, ability and willingness to accept risk to accomplish his goals.

But, with $40 mil, you might want to invest with a little more conservative slant.
by RadAudit
Sun Jul 30, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4409

Re: What to do with 3oz of gold?

Keep them in a fire safe along with insurance policies - or in your sock drawer. Then, give 'em to the grandkids at some time in the future and let them worry about it. I've got a few silver dollars my grandfather gave me for birthdays and Christmas - when they were worth a dollar. Think I'll pass t...
by RadAudit
Sun Jul 30, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should i diversify from Vanguard?
Replies: 25
Views: 1909

Re: Should i diversify from Vanguard?

benign_user wrote:Do you have a recommended list of other firms?


Take a look at this link. There are names of families and funds lower down in the article that should have low fees.

https://www.bogleheads.org/wiki/Three-fund_portfolio
by RadAudit
Sat Jul 29, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: My girlfriend and her 401K, need to give her advice
Replies: 38
Views: 2655

Re: Trying to help my girlfriend with her investments

Michael Alden wrote: She needs to be risky to try to make up for all of the time wasted yet at her age, her time is short.


Not the best approach.

Other approaches - which may not be too good either: Save more, work longer, or marry well.
by RadAudit
Sat Jul 29, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Indexes - timing your investment?
Replies: 8
Views: 655

Re: S&P 500 Indexes - timing your investment?

Welcome to the forum. Long answer: Since you are in it for the long haul, I'd recommend that you take a break, and figure out a portfolio asset allocation that allowed you to meet your financial goals in a timeframe you'd plan on while doing so within the parameters of your need, ability and willing...
by RadAudit
Tue Jul 25, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2854
Views: 839261

Re: What Movie Have You Recently Watched?

Dunkirk. I guess I should have seen it in IMAX; but it was still a pretty good flick in a regular theatre. Suspenseful. Not that gory for a war movie. Great if you like the sound of automatic weapons fire in the morning.
by RadAudit
Tue Jul 25, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7924

Re: Investing Education and Mansplaining

Rightly or wrongly, she sees it as middle-aged (or later) white guys mansplaining to young women (even though the videos are not directed to women), and it doesn't cut it with her. I could go into a lot of explanation about why a lot of women feel this way, but all you have to do is pay attention t...
by RadAudit
Tue Jul 25, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 8792

Re: Murphy's Law Of Retirement

stocks are for accumulating wealth, bonds are for preserving wealth and cash is for spending wealth. Make sure you have enought cash and bonds so you don't have to sell your stocks and allow them time to recover. When they do, you sell stocks that have recovered and increased in value to refill you...
by RadAudit
Sun Jul 23, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout option
Replies: 11
Views: 855

Re: Pension buyout option

This is probably wrong.

I figured $420 / mo for 20 years (65 to 85) would be worth 101,000 at 65.

To get to about $101,000 by 65, you'd need to invest the $29,216 for 15 years and receive an 8.6% / yr return.

But it has been a few years since I pushed numbers on a financial calculator.
by RadAudit
Fri Jul 21, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5431

Re: When to stop being "concerned"

SeeMoe wrote: keep investing and maintaining the AA as it's in our DNA now...


Thanks for the post and perspective.
by RadAudit
Fri Jul 21, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with career direction
Replies: 5
Views: 615

Re: Help with career direction

lateregistration wrote: Then again, if I'm really honest with myself, maybe all I want is to stay exactly in the position I'm in for the time being, try to negotiate a decent raise, and then avoid all the uncertainty.


Don't stay too long.
by RadAudit
Fri Jul 21, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Advise to mass distribute (Dave?)
Replies: 8
Views: 430

Re: Advise to mass distribute (Dave Ramsey?)

TheHouse7 wrote: BECOME A BOGLEHEAD!


Good advice. Might not want to bring that up with Dave.
by RadAudit
Thu Jul 20, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8377

Re: Can anyone convince me I need international stock in my portfolio?

On a sub-set of the portfolio asset allocation question, Mr. Bogle offered this observation. “My own total portfolio is about 50/50 indexed stocks and short/intermediate bond indexes. At my age of 88, I’m comfortable with that allocation. But I confess that half of the time I worry that I have too m...
by RadAudit
Thu Jul 20, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3868

Re: Investing well for Retirement can be frustrating

Retire 10 years before them. No price can be placed on 10 years. Exactly. I was out at 55. All the folks with expensive cars, oversized houses, boats etc. continued to work for years. I was out sailing last night (other person's boat). One of the crew was 73. He felt he had to work another couple o...
by RadAudit
Thu Jul 20, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5431

Re: When to stop being "concerned"

celia wrote:When you stop breathing or dementia sets in.


I was concerned that might be the answer. :wink:
by RadAudit
Thu Jul 20, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1584

Re: Pre-pay four year tuition?

Can you get your money back if junior or junette decides on an alternate path through life - one that doesn't run through Harvard?
by RadAudit
Wed Jul 19, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Column: Giving thanks to Jack Bogle, the man that’s helped millions of investors and me
Replies: 2
Views: 618

Re: Column: Giving thanks to Jack Bogle, the man that’s helped millions of investors and me

nedsaid wrote: Sincere gratitude is in short supply nowadays.


That is a pity. As the article pointed out gratitude is beneficial to the giver as well as the receiver.
by RadAudit
Wed Jul 19, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Slow, steady AA glide path as long as stocks hit new highs?
Replies: 21
Views: 1992

Re: Slow, steady AA glide path as long as stocks hit new highs?

What ever works for you is OK.

I remember using the chunk method during the annual \ periodic rebalance; but, it probably doesn't matter - keeping in mind tax impact, etc. of course.
by RadAudit
Wed Jul 19, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5431

Re: When to stop being "concerned"

We can't be certain our allocations are right for us, but we can use common sense to come as close as possible. Thanks. One of the things I have picked up from the forum is that you can mitigate a number of the known risks. A good application of common sense can go a long ways in tamping down those...
by RadAudit
Tue Jul 18, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 120
Views: 6633

Re: The Quest for Perfection

Disclaimer - note that this is completely hypothetical, is not a suggestion, and may not even be a good idea. It simply represents the results of my thinking on what a complete portfolio could look like. This is what happens when I overthink things…. Anyway, here goes: I admire your tenacious pursu...
by RadAudit
Tue Jul 18, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5431

Re: When to stop being "concerned"

littlebird wrote:I would add - if you're of retirement age - plus enough for at least a couple of years of long term care.


Thanks
by RadAudit
Tue Jul 18, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5431

Re: When to stop being "concerned"

Toast_the_Knowing wrote: I believe that you can stop worrying when you have 10 years of expenses socked away in fixed-income


Thanks
by RadAudit
Tue Jul 18, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5431

When to stop being "concerned"

I saw this excerpt in a recent Vanguard Blog post by Andy Clark Vanguard Founder Jack Bogle circulated a letter that he’d written to a young investor daunted by potential catastrophes. An excerpt: “My own total portfolio is about 50/50 indexed stocks and short/intermediate bond indexes. At my age of...
by RadAudit
Tue Jul 18, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio options
Replies: 4
Views: 432

Re: Portfolio options

Welcome to the forum. is there any advantage to taking, let’s say $3000.00 from my index funds and investing it into three different managed funds at $1000.00 a piece and just let it sit for 12 months? Probably not. I'd suggest a longer time horizon when making decisions about funds for retirement. ...
by RadAudit
Mon Jul 17, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3205

Re: Cramer makes the bull case for including bonds in your portfolio

I'm the least qualified among the posters to defend any theory some BH'ers may subscribe to. Why shouldn't you be 100% equity if you dont need to depend on your investment to live on and can stomach market downturns? ... the more bonds we should have but that may not be the best way to increase weal...
by RadAudit
Mon Jul 17, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3205

Re: Cramer makes the bull case for including bonds in your portfolio

From the article. "How much of a retirement portfolio should be kept in bonds versus stocks? Cramer broke it down by age: 20s: None 30s: 10 percent of your retirement fund; 20 percent if you are conservative 40s: 20 to 30 percent bonds 50s: 30 to 40 percent 60s: 40 to 50 percent Post-retirement...
by RadAudit
Sat Jul 15, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing in company stock?
Replies: 17
Views: 758

Re: Investing in company stock?

It is difficult to give you a good answer without knowing more about your situation. The safe answer is don't do it. A more complex answer is it depends. Will the stock be in a tax advantaged account? How long is the required holding period? When / can it be sold and the proceeds rolled in to a low ...
by RadAudit
Sat Jul 15, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: The legacy and luck of Vanguard's Jack Bogle - Marketwatch
Replies: 4
Views: 906

Re: The legacy and luck of Vanguard's Jack Bogle - Marketwatch

The question has always been whether it is better to be lucky or good? Sometimes when the stars align you can be both - and a whole bunch of people can benefit, too. Of course, you might have to work real hard for several decades until the idea catches on.
Thanks for the link.
by RadAudit
Thu Jul 13, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Question on weighted allocation of stocks
Replies: 3
Views: 244

Re: Question on weighted allocation of stocks

Welcome to the forum. I'm sure folks prepared to give better answers will be along shortly. In the German community there seems to be a strong opinion in favour of GDP-weighting, which I read very little about here. Is that because it's generally considered a bad idea? I don't know if GDP-weighting ...
by RadAudit
Tue Jul 11, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4305

Re: Hundreds laid off at Fidelity

How is this actionable? I guess we could all abandon our BH principles, remove our money from VG index funds, and invest in any of Fidelity's higher priced, active funds. This whole process is sort of like bemoaning the eventual demise of the Mom and Pop stores on the town's Main Street while getti...
by RadAudit
Tue Jul 11, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4305

Re: Hundreds laid off at Fidelity

it galls me to see co-workers laid off in order to "align with business needs" when the company just had a banner year in profit and CEO has incredible wealth via stock options. I saw a number of lay-offs while I was employed. It was never pretty. I never liked them. But, now as an invest...
by RadAudit
Sun Jul 09, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors
Replies: 5
Views: 1495

Re: How Vanguard Founder Jack Bogle Is Backed by 'Murderers' Row' of Economists and Investors

It comes across a little too "blow-your-own-horn" for me, and not how I usually see him. I think he was just trying to find a new and different way of getting the same message out that he's been trying to let folks know about since 1976(?). I saw a quote the other day, from Clements (?), ...
by RadAudit
Sun Jul 09, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Saving or being stingy?
Replies: 21
Views: 2436

Re: Saving or being stingy?

Welcome to the forum. I think we should make a clear difference in saving for the future and investing and ... always thinking about saving a couple of bucks just to travel the world. There is a difference between saving and being stingy. But for some, saving and thinking about what you might do som...
by RadAudit
Sun Jul 09, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 6973

Re: Retirement is Risky Business

littlebird wrote:After 29 years of retirement (early and on a shoestring and with a considerably older spouse), I've faced (knowingly or not) many of these risks, and am still on a placid course towards the ultimate one. :happy


Good, then there's still hope for the rest of us who aren't as far along on the trek.
by RadAudit
Sat Jul 08, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: New Information, New Viewpoint on Investing?
Replies: 28
Views: 2528

Re: New Information, New Viewpoint on Investing?

I use to think that rebalancing the portfolio was a fairly straight forward thing. But, after reading the book and the discussion on McClung's (?) Living Off Your Money, I'm not as sure as I used to be. At least he's giving me a good rationalization - and we all need one of those from tine to time -...
by RadAudit
Fri Jul 07, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 6973

Re: Retirement is Risky Business

If I had read this before I retired, I'd still be working. But, after seven years, I've avoided these problems - so far.
by RadAudit
Fri Jul 07, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Recent absence of advantage for the "classic factors strategy"
Replies: 17
Views: 1363

Re: Recent absence of advantage for the "classic factors strategy"

I'm reminded that Mr. Swedroe used 20 years as a time frame when he was discussing factor performance in one his books. I believe he said 10 years was too short of a time frame to expect the out performance of the factors to show up. Might be something my kids might be interested in.
by RadAudit
Thu Jul 06, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6530

Re: Is it Safe to Get Your DNA Tested?

Bob.Beeman wrote:This sounds like a fun thing to do


Given your concerns, I doubt if the fun is worth the possible price.

As for me, DNA tests found a break in the family line about four or five generations ago. There go all the family stories down the tubes.
by RadAudit
Thu Jul 06, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6917

Re: William Bernstein on Meb Faber's podcast

iceport wrote:— Any expression of skepticism about the promise of the market is met with vehement opposition.


Yep, Bill's been reading postings on this forum for sure. :wink: