Search found 2328 matches

by RadAudit
Tue Feb 21, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Help with standard deviation, volatility comparing slice and dice with 3-fund portfolios
Replies: 9
Views: 313

Re: Help with standard deviation, volatility comparing slice and dice with 3-fund portfolios

1030danielle wrote:Is the standard deviation more a product of the asset allocation (stocks vs bonds),


You may be on to something - one portfolio has 20% bonds, the other has 40% bonds. The one with 40% bonds has half of the bonds in short term and TIPs. Might have something to do with it.
by RadAudit
Mon Feb 20, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3372

Re: Thinking of Leaving Vanguard Personal Advisory program

How much advice does one need if they own several mutual funds. Hold em for life,,for the most part. :happy Good point. I don't see the need for additional advice for my small, simple portfolio - yet. The fun begins when the disinterested surviving spouse starts to ask questions / needs guidance. W...
by RadAudit
Mon Feb 20, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3372

Re: Thinking of Leaving Vanguard Personal Advisory program

Duffydog1 wrote: I have also decided against Vanguard managing my money as I would have never met the person doing the work nor know their experience or credentials. Doesn't seem to make sense to allow person you have never met to mange your life's savings.


Excellent point.
by RadAudit
Sun Feb 19, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3372

Re: Thinking of Leaving Vanguard Personal Advisory program

you have to be able to be brutually honest with yourself (and others). An alternative is to commit to switch to a target date fund or PAS at a specific age, like 75, and accept that you might be saving your future self by giving up some control today. Your suggestion makes sense. It makes a lot mor...
by RadAudit
Sat Feb 18, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3372

Re: Thinking of Leaving Vanguard Personal Advisory program

I am struggling with the issue myself. Same boat. 70 next month. Spouse not really interested in investing. I was hoping to continue managing the portfolio until late 70's or early 80's. (I mean how much problem can it be to rebalance a four fund portfolio once a year? The asset allocation is 50 / ...
by RadAudit
Sat Feb 18, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced and starting to invest...suggestions on where to start?
Replies: 13
Views: 558

Re: Inexperienced and starting to invest...suggestions on where to start?

Welcome to the forum Start here https://www.bogleheads.org/wiki/Getting_started , https://www.bogleheads.org/wiki/Three-fund_portfolio , https://www.bogleheads.org/forum/viewtopic.php?t=163647 link in first post in the thread, https://www.bogleheads.org/forum/viewtopic.php?t=88005 all the linked stu...
by RadAudit
Sat Feb 18, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 567

Re: Vanguard Target Retirement Fund to Investor Shares

BL, would it not be smart to first get up to a certain point, and then buy the investor shares before then buying admiral shares? It sort of depends on what asset allocation you are aiming at. An equal weight among three funds would be more conservative (Higher allocation to bonds) than what you ha...
by RadAudit
Sat Feb 18, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale
Replies: 37
Views: 4437

Re: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale

livesoft wrote: Give her credit because she has done really well.


And, she probably has a higher credit rating than folks who live frugally and pay cash for stuff other people finance.
by RadAudit
Fri Feb 17, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: heloc status with no work income
Replies: 9
Views: 600

Re: heloc status with no work income

Is it better to pay back the heloc first or home mortgage first so there won't be any problems with recording the information. Don't know. But it probably doesn't matter wrt causing problems with a title search. If not, I prefer to pay off my mortgage but still keep my heloc for emergency. Do I nee...
by RadAudit
Thu Feb 16, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: heloc status with no work income
Replies: 9
Views: 600

Re: heloc status with no work income

pshonore wrote:Or perhaps they sent the release of mortgage (lien) to you and you forgot to have it recorded.


I always knew it would be my fault. :wink:
by RadAudit
Thu Feb 16, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: heloc status with no work income
Replies: 9
Views: 600

Re: heloc status with no work income

I think I can sleep very well now. Hate to see anyone get a good night's sleep. :wink: The fun begins when the bank does a full title search on the house. Right now, we're chasing through the weeds because a now defunct mortgage company did not take the lien off the property back in 1983 - 1985 whe...
by RadAudit
Thu Feb 16, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Helping a family member into retirement
Replies: 15
Views: 1680

Re: Helping a family member into retirement

I'd be concerned about her future needs. She could live another 30 or 40 years. In that case, I'd suggest something like LifeStrategy Conservative Growth (40/60[?]) or Target Retirement Income (30/70) - both from VG. Either one would provide income if she needed it and the possibility of some growth...
by RadAudit
Wed Feb 15, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Three-Fund Portfolio in Bogleheads book?
Replies: 4
Views: 643

Re: Three-Fund Portfolio in Bogleheads book?

Well, it is in the wiki

https://www.bogleheads.org/wiki/Three-fund_portfolio

and on the forum

viewtopic.php?t=88005

start with just the first post and it's associated links for that thread
by RadAudit
Tue Feb 14, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2167

Re: Currently an Edward Jones client and need some advice

Welcome to the forum. The advisor said the Edward Jones is not legally obligated to act as a feduciary. Once he brought that up I asked him about the revenue sharing agreements with some of the funds they put me in. I asked him is edward Jones isn't required to act in their clients best interest and...
by RadAudit
Tue Feb 14, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Investing for kids...
Replies: 5
Views: 488

Re: Investing for kids...

Consider this a bump up. Personal opinion - Isn't seven a little young for this? Think I read some discussion about this a little while ago. Can't find the link right now. But, that said, a place you might want to start is the upper left corner of the log on page. Click on start here and look at the...
by RadAudit
Tue Feb 14, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: heloc status with no work income
Replies: 9
Views: 600

Re: heloc status with no work income

I have a HELOC from a bank. Got one right after liar loans went out of fashion. I kept it when I retired. And, I am in the process of getting another HELOC because the first one is about to come to the end of the draw period (10 years) and enter the payback period (20 years). And, you just don't kno...
by RadAudit
Sun Feb 12, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3785

Re: The Ned Said Effect strikes again

nedsaid wrote: The "Nedsaid effect" worked like a charm.


Please let us know what you plan to sell prior to placing an order.
by RadAudit
Sun Feb 12, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you account for likely life expectancy in retirement?
Replies: 63
Views: 4555

Re: Do you account for likely life expectancy in retirement?

I am ... less cool with spending the last 10 or 15 years of my life wondering about what a certain safari or dive trip would have been like if I had gone in my 50s or 60s instead of clinging on to those dollars ... Go inexpensively as you can; but, go now. On ocean cruises you can so with an inside...
by RadAudit
Fri Feb 10, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 137
Views: 18020

Re: Wow, Vanguard Flagship service is bad. Really bad.

Good news! Your gripes have been answered. You won't have your Flagship Rep to kick around anymore. I just got an e-mail saying they were going to a team approach. We want to make you aware of a change to how you'll interact with Flagship Services. Within the next few weeks, you’ll have direct acces...
by RadAudit
Fri Feb 10, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4149

Re: 3 million in cash. Target Retirement Income or Target Retirement 2015

I compared the last 10 year returns of the Target Income and the Life Strategy Conservative Growth. (I know that is a bad way to look at things - but I'm just looking.) I think I remember that Life Strategy returns a little more than Target Income - some thing I attribute (probably not correctly) t...
by RadAudit
Fri Feb 10, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4149

Re: 3 million in cash. Target Retirement Income or Target Retirement 2015

Why pay more in expenses for Target Retirement funds when you only need 3-4 Admiral funds to do the job cheaper? Me? Well, right now I'm using the Admiral Fund approach. Works fine. But, in a few more years, I might want to get the portfolio in shape to hand over to the DW if I can do so before I c...
by RadAudit
Fri Feb 10, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4149

Re: 3 million in cash. Target Retirement Income or Target Retirement 2015

Life Strategy have international (good or bad thing?) and also, AFAIK, uses the "asset allocation fund" in each variant. It has been put forth here and elsewhere to select an allocation lst. However, I am unsure whether it is better to "glide" into that preferred allocation to r...
by RadAudit
Fri Feb 10, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4149

Re: 3 million in cash. Target Retirement Income or Target Retirement 2015

I'm not yet sure at my basic level of understanding but it seems that the difference between these two funds is one will maintain the AA from the start vs the other is supposed to achieve its allocation in 7 years which I think is 50/50. Is this correct? My understanding is that the 2015 will morph...
by RadAudit
Tue Feb 07, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2687

Re: College kids driving cars (to live off campus)

When I dropped my kid off at college with a "used" car, I didn't get out of town before I had a phone message saying he was in a wreck. Something to consider on the cost of the car. YMMV. PS: Visits to the auto repair shop were so frequent that we now have a memorial brick in their parking...
by RadAudit
Sun Feb 05, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you account for likely life expectancy in retirement?
Replies: 63
Views: 4555

Re: Do you account for likely life expectancy in retirement?

But how does your retirement planning change if your likely retirement is going to be 25 years instead of 30? Also, when I stop working should I consider myself retired if the DW is still earning enough to cover expenses? Seems like I am a stay at home spouse and not really retired. My retirement p...
by RadAudit
Thu Feb 02, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1481

Re: Contesting a will or trust

I don't understand the OP's thread. OP are you getting the 2K and want to contest the trust? Are you setting up a trust to give unequal amounts to others? I am the brother. My brother was always crazy about the nieces and nephews kind of like the rest of the family was not alive at all. So the larg...
by RadAudit
Thu Feb 02, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Contesting a will or trust
Replies: 31
Views: 1481

Re: Contesting a will or trust

I believe in the good ol' USA that anyone can sue you about anything. They may not be successful; but, it'll cost you anyway.

YMMV.
by RadAudit
Tue Jan 31, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice.. where do I go from here?
Replies: 12
Views: 1161

Re: Portfolio Advice.. where do I go from here?

Welcome to the forum. Today I learned that I had 24% in fund expenses!! OK. I'll guess. Did you add up all the individual fund expenses to get to 24%? If that was the approach, you may want to rethink that approach. I believe you should have learned you have too many funds - probably with too much o...
by RadAudit
Sun Jan 29, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Is rebalancing bunk?
Replies: 51
Views: 3224

Re: Is rebalancing bunk?

Sandtrap wrote: Is it reactive to change the target Asset Allocation to adjust to long term market trends?


Probably not. As long as it meets your evolved personal needs and circumstance.
by RadAudit
Sat Jan 28, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Game won with market up and retire or Not Yet?
Replies: 33
Views: 4840

Re: Game won with market up and retire or Not Yet?

Welcome to the forum Bump up I would be very surprised if the Vanguard rep didn't suggest a more conservative asset allocation. Market may continue to rise for awhile past 20K but who knows; Seems like a decent time to make a life changing decision. If it was a bear market, chances are I'd have 50% ...
by RadAudit
Thu Jan 26, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Guide to Investing....for a Boglehead?
Replies: 13
Views: 804

Re: Bogleheads Guide to Investing....for a Boglehead?

If the library doesn't have it on the shelf, ask the librarian to get the book through the inter-library loan program.

I may be showing my age, but they use to have such a service in my town some years ago.
by RadAudit
Tue Jan 24, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 4930

Re: Edward Jones [Looking for alternatives]

fiverus wrote:How do I post my portfolio? I have a copy but what information do you need?


Welcome to the forum

Look here.

viewtopic.php?t=6212
by RadAudit
Sun Jan 22, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Hoping to retire within 20 years - advice/comments appreciated!
Replies: 8
Views: 1645

Re: Hoping to retire within 20 years - advice/comments appreciated!

I'm not sure I quite understand the mechanics of withdrawing money in early retirement...would I just sell shares of my Roth and Taxable account based upon my expected expenses for the year? Is it really that simple? Not really. I believe the general rule is to withdraw from taxable accounts first,...
by RadAudit
Sun Jan 22, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Spending, Saving, and Debt in 2017.
Replies: 8
Views: 1781

Re: Spending, Saving, and Debt in 2017.

Welcome to the forum.

Others will be along shortly with better comments / advice.

You might want to look at "the white coat investor", when you get a chance.
by RadAudit
Sun Jan 22, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise Mistake-Need Advice on Vanguard Allocations and Planning
Replies: 9
Views: 652

Re: Ameriprise Mistake-Need Advice on Vanguard Allocations and Planning

Welcome to the forum. Consider this a bump up - The last two weeks have been brutal as I finally uncovered that my current Ameriprise FA had allocated my assets into way too many funds with exorbitant ER's. The beginning of wisdom. Where should I invest at Vanguard? What funds would work best for me...
by RadAudit
Sun Jan 22, 2017 7:43 am
Forum: Investing - Theory, News & General
Topic: Cash flow for financial independence
Replies: 18
Views: 1946

Re: Cash flow for financial independence

create ... cash flow. ... through ... paper asset dividends. An additional consideration you may wish to think about is which side of the stock debate you want to come down on - dividends or total return. Some folks on the board favor total return. That is, I think, instead of living off the divide...
by RadAudit
Sat Jan 21, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: For Target date fund owners in retirement
Replies: 7
Views: 928

Re: For Target date fund owners in retirement

My first concern is this: in a down market we will need to continue to take money out (3% withdrawal rate or so).√ How do you deal with the idea that in a Target fund you will be selling equity in that down market. (Normally I would sell from the fixed part of my portfolio.) My wife is retired and ...
by RadAudit
Wed Jan 18, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 2685

Re: Target Date Fund - Retirement Years

I'm almost 70 and DW is 66. DW has been using a target date fund for a number of years to avoid the hassle of rebalancing. I'm contemplating moving from essentially a four fund portfolio to either a target date or LS fund for all the usual reasons - automatic rebalancing, simplicity, etc. The switch...
by RadAudit
Tue Jan 17, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Portfolio Advice Please
Replies: 5
Views: 380

Re: New Boglehead - Portfolio Advice Please

Welcome to the forum The windfall has netted us a mid-six figure sum, and the thought of turning this over to my advisor has been bugging me. I want to make the right decisions moving ahead, and that’s why I am asking for help on this board. 3. How should I invest this mid-six figure windfall, Look ...
by RadAudit
Mon Jan 16, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: AA advice requested for married couple 37 yrs old
Replies: 17
Views: 1791

Re: AA advice requested for married couple 37 yrs old

Consider this a bump up I'll leave the number crunching to those more gifted than I. However on the parts of your question that ask for an opinion, I'll chime in. Do you suggest a reallocation based on the market headwinds of reaching 20K DOW and liklihood of a market reset? No. I'd suggest a reallo...
by RadAudit
Sun Jan 15, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help for 22 year old
Replies: 4
Views: 213

Re: Investing help for 22 year old

Welcome to the forum

Start here https://www.bogleheads.org/wiki/Getting_started Watch the videos, read the linked stuff, read a few of the recommended books.

read the first post on this thread viewtopic.php?t=88005 and the associated linked articles.
by RadAudit
Fri Jan 13, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Implementing factor based investing.
Replies: 2
Views: 251

Re: Implementing factor based investing.

Thanks for the reply

lack_ey wrote:The actual problem of course is that you don't really know the returns or even the expected returns of any of the components.


Well, that does put a small wrinkle in the calculations ....
by RadAudit
Fri Jan 13, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Implementing factor based investing.
Replies: 2
Views: 251

Implementing factor based investing.

I'm reading through Mr. Swedroe's newest book (?) on factor based investing. A question has come up. If I wanted to reduce risk in a simple portfolio (stocks / bonds), I'd reduce stocks and increase bonds. This (might / should) reduce the expected portfolio return. Now, if I wanted to reduce the ris...
by RadAudit
Thu Jan 12, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: I'm just going to leave this here... [Should you rebalance your portfolio?]
Replies: 36
Views: 2404

Re: I'm just going to leave this here... [Should you rebalance your portfolio?]

I long ago figured out that I wasn't special. Think I'll go along with what's best for most people. For most individuals and institutions, it’s a wise idea to basically control the amount of risk in the overall portfolio by setting targets for the percentage of your portfolio that you would want in ...
by RadAudit
Wed Jan 11, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Retiree's Asset Allocation
Replies: 12
Views: 1090

Re: Retiree's Asset Allocation

Currently collecting SS and RMD from IRA's. A question you might want to answer is how much money do you need to withdraw from your portfolio to meet your annual expenses? That is one aspect of the need, willingness and ability to take risk question that should be answered to come up with an asset ...
by RadAudit
Tue Jan 10, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Looking to add international and other portfolio advice
Replies: 30
Views: 2018

Re: Looking to add international and other portfolio advice

I know you recommended not doing anything spur of the moment and to stick with what I have in general but would it make sense for me to switch to the 3 main index funds as my core holdings at this point or just stick with what I currently have? I believe it would not be wise to switch from your cur...
by RadAudit
Tue Jan 10, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Looking to add international and other portfolio advice
Replies: 30
Views: 2018

Re: Looking to add international and other portfolio advice

Just out of curiosity, why does the BogleHead principle favor index funds that are not actively run? I am new to this forum. Can you give me some pros/cons over having a passively managed fund vs. actively managed? Excellent question. While you are reading, it may be helpful to include some theoret...
by RadAudit
Mon Jan 09, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to add international and other portfolio advice
Replies: 30
Views: 2018

Re: Looking to add international and other portfolio advice

Welcome to the forum What do you suggest as far as adding an international fund? I'd go with the Total International Stock Index Fund. It's allocation tracks the cap weighted market return of stocks outside of the US. Any other suggestions? I was told by a Vanguard advisor that I have much stored up...
by RadAudit
Mon Jan 09, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 15914

Re: Best Financial Moves You've Made

Best financial move?

When I came to the realization that I didn't either know or didn't want to take the time to learn how to (financially) successfully invest using individual stocks. And thus began the long march to investing via index funds. (I was a slow learner.)

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