Search found 2252 matches

by RadAudit
Sat Dec 03, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Forget the 4% safe withdrawal rule -- use RMDs instead.
Replies: 35
Views: 3836

Re: Forget the 4% safe withdrawal rule -- use RMDs instead.

Thanks for the article. Well, if the 5% and 8% returns don't work out just right and you are concerned about leaving this world without enough to meet your long term goals for your family / charitable giving - remember ... our mortality virtually guarantees that most people will leave some money on ...
by RadAudit
Sat Dec 03, 2016 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market or Indvidual Index funds?
Replies: 6
Views: 665

Re: Total Stock Market or Indvidual Index funds?

I don't want to chase performance. Is there any advantage to going with the 3 individual index funds and constructing my own mix vs. just keeping it simple and staying with the Total Stock Market index fund? If you are going to exactly replicate the Total Stock Market (TSM) Index Fund, I can see no...
by RadAudit
Fri Dec 02, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: Forget the 4% safe withdrawal rule -- use RMDs instead.
Replies: 35
Views: 3836

Re: Forget the 4% safe withdrawal rule -- use RMDs instead.

I'm fairly sure that if you use the RMD rates to distribute a portfolio, you will reduce the amount in a portfolio in a fairly ordered manner. And if you consistently get 5% and / or 8% returns, you may have money left over. But I'm reminded of the old insurance salesman line - you either live too l...
by RadAudit
Wed Nov 30, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: When to use a trust vs a will?
Replies: 8
Views: 841

Re: When to use a trust vs a will?

So why would one choose a trust over a will? I am not a lawyer. I don't play one on TV. And, I don't know if any of what I was told about trusts vs. wills is true. That said - they have a will. The government wrote one for them. If they don't want their estate to be divided IAW the government's wis...
by RadAudit
Tue Nov 29, 2016 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie..advice needed
Replies: 5
Views: 441

Re: Newbie..advice needed

Welcome to the forum. Any advice here? Foolish to invest in both in same account? After you figure out what your asset allocation ought to be (good luck on that), some folks believe the allocation should be accomplished by using mutual funds with low cost, wide diversification and no overlap. Around...
by RadAudit
Sun Nov 27, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: First investment advice for a European
Replies: 7
Views: 662

Re: First investment advice for a European

Welcome to the forum. Consider this reply as a bump up so your post doesn't get lost. You've asked some good questions that deserve to be answered by someone better versed in these things than I am. Most of the information I've found about investing is heavily focused on US market and investors. Due...
by RadAudit
Sun Nov 27, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: From a 20-fund indexed portfolio, to a simple one
Replies: 12
Views: 1227

Re: From a 20-fund indexed portfolio, to a simple one

neomutiny06 wrote:I decided to go simple and managable. I cut it down to 7 funds and I will keep it this way forever.


If it is right for you, it's an excellent first step. Stay the course.
by RadAudit
Fri Nov 25, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4212

Re: Thoughts on AA for the retired

My DW (65) and I (69) have both been retired for 6+ years. I got to my AA (50/50) by finding out my risk tolerance wasn't as high as I thought it was during 2000 and again in 2008. [Not the best times to come to that realization.] Most of the financial assets are in IRAs. We're currently wrestling w...
by RadAudit
Wed Nov 23, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: How often do you hit your rebalancing bands?
Replies: 31
Views: 1910

Re: How often do you hit your rebalancing bands?

Isn't rebalancing somewhat of a function of portfolio AA, number of funds in the portfolio, rate of withdrawal of funds and from which funds, rate and amount of additions to the funds?
by RadAudit
Wed Nov 23, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2200

Re: Which single fund to invest in for widow?

Again, thanks to all for sharing your ideas.

Happy Thanksgiving.
by RadAudit
Tue Nov 22, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: single bonds vs bond funds with increasing interest rates
Replies: 13
Views: 1573

Re: single bonds vs bond funds with increasing interest rates

I know very little about bonds (or stocks). And, it'll show. But an observation. I completely understand how a single bond if held to maturity will not lose value and I will get exactly what I bought on maturity. It makes sense. Have you thought about how the value of an individual bond changes as i...
by RadAudit
Mon Nov 21, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2200

Re: Which single fund to invest in for widow?

Thanks to all for your comments and suggestions
by RadAudit
Mon Nov 21, 2016 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2200

Which single fund to invest in for widow?

OK. I'm not dead, yet. However, DW read an obituary today about a 60 year old man dropping dead as he walked across campus. Her comment was - don't leave me with a flaming mess to clean when you go. Apparently, a four fund portfolio may be a little complicated for her to handle even with IPS instruc...
by RadAudit
Mon Nov 21, 2016 9:40 am
Forum: Investing - Theory, News & General
Topic: Will Vanguard give basic advice?
Replies: 6
Views: 690

Re: Will Vanguard give basic advice?

Look here. https://investor.vanguard.com/investing/benefits/ Depends on the amount. And at some point, there is some advice. It is not free; but, it is included. How much is included depends on how much advice you need. They also do financial planning. And, that is not free; but, it is low cost. htt...
by RadAudit
Sat Nov 19, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: my portfolio
Replies: 10
Views: 621

Re: portfolio advice

Welcome to the forum.

Couple of things.

A number of us on the forum don't speak ticker.

Second, you might get better replies if you edit your post in this format viewtopic.php?t=6212
by RadAudit
Fri Nov 18, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4374

Re: Where to buy a Vanguard hat?

I got a cap from them at the time and found it useful when visiting a bank that would like me to invest with them. Hi CABob, That is priceless and honestly something I could see myself doing! A delightful idea!! I have to go in and close a legacy Edward Jones account after a few more municipal bond...
by RadAudit
Thu Nov 17, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: About to make the move from Unitized Fund to Vanguard Target Date Fund
Replies: 3
Views: 413

Re: About to make the move from Unitized Fund to Vanguard Target Date Fund

fantasytensai wrote: But I would love the input of people experienced with this matter.


Since it is a 401(k) account, go ahead and make the switch.
by RadAudit
Wed Nov 16, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8009

Re: Cannot get myself to spend my savings

A lot of excellent suggestions on this thread. I have a similar problem about unnecessary spending in retirement. However, I take great solace in knowing, that if history is any guide, it'll all be gone in three generations. As someone on this forum said - and I'm paraphrasing here - there are only ...
by RadAudit
Wed Nov 16, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: any input that might help?
Replies: 7
Views: 432

Re: any input that might help?

Welcome to the forum. Here's a post that may provide some guidance on the acceptability of your proposed portfolio. Read all the linked threads. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=203337&newpost=3117292 I hope that the Fidelity funds are roughly equivalent to the Vanguard ...
by RadAudit
Wed Nov 16, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: "Investing Should Be Simple. A Three-Fund Portfolio is All You Need."
Replies: 4
Views: 1261

Re: "Investing Should Be Simple. A Three-Fund Portfolio is All You Need."

Thanks, Taylor. I always enjoy your informative links to the various articles. I send the links to the kids (31 and 36) so - hopefully - they can begin to develop their own investment philosophies, if necessary separate from mine. And I use them, too. I apparently have short term memory problems whe...
by RadAudit
Tue Nov 15, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: If I wasn't investing, I wouldn't be.....today
Replies: 12
Views: 1383

Re: If I wasn't investing, I wouldn't be.....today

I don't know how much investing changed my life because I've been investing since I started my first job after grad. school. I can say that after some 45 years of investing, life is probably a little easier with some money than it might have been without it. It at least allows you a few more degrees...
by RadAudit
Mon Nov 14, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: New investor advise
Replies: 5
Views: 620

Re: New investor advise

Welcome to the forum.

+1 on the link to getting started. Read the linked articles, look at the videos and read some of the recommended books.
by RadAudit
Sun Nov 13, 2016 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Retire early and sail off into the sunset?
Replies: 47
Views: 5872

Re: Retire early and sail off into the sunset?

def: Circumnavigation. Doing boat repairs in exotic ports. And, after you get pretty good at sailing, be a reasonably good mechanic and a jack of all trades. Edit - Or you can shorten the time to achieve the level of knowledge you need by reducing the number of mechanical systems on the boat - refri...
by RadAudit
Sat Nov 12, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: Managing Thanksgiving Expectations (Grandparents)
Replies: 14
Views: 1230

Re: Managing Thanksgiving Expectations (Grandparents)

3 yr old, 2 year old and a 3 week old? Stay home and enjoy the bedlam in your own house. As a grandparent I can't see asking my kid to load up three children and trek it an hour down the road for Thanksgiving - or Christmas. Invite the grandparents over to your house for Thanksgiving and / or Christ...
by RadAudit
Fri Nov 11, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation question re: Bonds
Replies: 9
Views: 706

Re: Asset Allocation question re: Bonds

I'd like to adjust the AA to about 65 stock and 35 bond..... but wonder if now is a good timeto start doing that. I doubt if you'll find any comfort in the rest of this post. No matter what you do - you can find something to second guess about. If you go now and miss a run up in the stock market, y...
by RadAudit
Thu Nov 10, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 204
Views: 25575

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

RadAudit wrote: HomerJ wrote: What's interesting, is after 20 years of living the "ordinary average life", you may realize you don't really need much more to be happy. +1 If you need an expensive new car, expensive new watch, expensive large home in an up-scale neighborhood, .... etc. to ...
by RadAudit
Thu Nov 10, 2016 1:57 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 204
Views: 25575

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

What's interesting, is after 20 years of living the "ordinary average life", you may realize you don't really need much more to be happy. +1 If you need an expensive new car, expensive new watch, expensive large home in an up-scale neighborhood, .... etc. to be happy, you might want to co...
by RadAudit
Sat Nov 05, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Can My Husband Quit Work at 40 Based On Our Current Investments?
Replies: 16
Views: 4154

Re: Can My Husband Quit Work at 40 Based On Our Current Investments?

Is he sure he wants to retire to teaching?

Most of the teachers I know are under a great deal of stress. Of course, they don't have enough to retire so that may have something to do with. Whatever. Teaching may not be as stress free as he imagines.
by RadAudit
Thu Nov 03, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 5249

Re: Individual stocks that are sound w/ indexing

But I also own some Googl, brk.b, and Manu (love sports plus it pays a dividend now), in my retirement portfolio. Each company is about 15% of my net worth on their own. 45% of your net worth is in 3 stocks? That sounds a tad high to me. I don't really object to individual stocks; but, I'd run a ch...
by RadAudit
Thu Nov 03, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing Advice - New to Vanguard
Replies: 6
Views: 856

Re: Retirement Investing Advice - New to Vanguard

Welcome to the forum What stocks/bonds through Vanguard should I invest in through the SIMPLE IRA? Look at the first post on this thread. Read the links. https://www.bogleheads.org/forum/viewtopic.php?t=88005 Or you could choose a target date fund or life strategy fund with an asset allocation close...
by RadAudit
Wed Nov 02, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 3228

Re: Personal Finance Question for the Retired

My spending is lower; but, my life is duller than dishwater. YMMV.Could you explain why? Do you have health restrictions, financial issues??? How can others avoid this? No health restrictions or financial issues. How to avoid the problem? I would suggest you retire to something vs. retire from some...
by RadAudit
Wed Nov 02, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 3228

Re: Personal Finance Question for the Retired

Barefootgirl wrote:I am curious as to whether any of the retired here have found that their spending was lower than expected


My spending is lower; but, my life is duller than dishwater. YMMV.
by RadAudit
Wed Nov 02, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense for my wife to work?
Replies: 30
Views: 3267

Re: Does it make sense for my wife to work?

misterno wrote:does it make sense for my wife to earn social security credits?


Yes.

She is already working. Her contributions to your business need to be recognized in a tangible manner.

She needs a paycheck and social security credits.
by RadAudit
Mon Oct 31, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: AAII on Robo Advisors
Replies: 4
Views: 811

Re: AAII on Robo Advisors

hough their Personal Advisor Services probably is a good idea for people who don't want to manage their portfolio, it scares me that someone else would manage my portfolio. I thought PAS advised you on what your portfolio should look like. I don't believe they take over the management of the portfo...
by RadAudit
Sat Oct 29, 2016 7:15 am
Forum: Investing - Theory, News & General
Topic: Edward Jones Trick or Treat (Tricks)
Replies: 16
Views: 2994

Re: Edward Jones Trick or Treat (Tricks)

athan wrote:took our kids trick or treating today at a local shopping center where all of the businesses were handing out candy.


Seems like this is a promo by the shopping center to drum up traffic for the stores.

To paraphrase a movie scene - ditch the ad, keep the candy.
by RadAudit
Thu Oct 27, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Realistic to get annual 10%?
Replies: 38
Views: 3857

Re: Realistic to get annual 10%?

raymondctchow wrote:Should I DCA and expect it to have the same return?


No and no.
by RadAudit
Wed Oct 26, 2016 6:09 am
Forum: Investing - Help with Personal Investments
Topic: New to this world
Replies: 8
Views: 966

Re: New to this world

Low risk investor wrote:With the life strategy funds - there are a few options, I imagine that would just depend on how long I want to invest for and how much risk I want


That's essentially it.
by RadAudit
Mon Oct 24, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Witholding
Replies: 17
Views: 1359

Re: Federal Witholding

I always thought that the amount of taxes paid was a function of income (roughly) and refunds were a function of taxes paid and amount withheld.
So, taxes paid are independent of withholding - unless you violate a few rules along the way.

But, I was never good at figuring out taxes.
by RadAudit
Mon Oct 24, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: A better measure of retirement security
Replies: 13
Views: 3046

Re: A better measure of retirement security

Thanks, Mr. K., for the link.
by RadAudit
Mon Oct 24, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Input on bond allocation
Replies: 3
Views: 749

Re: Input on bond allocation

Welcome to the forum. Consider this a bump up. Should I move the cash I have to my short term bond fund – I know there’s some interest rate risk but I think it’s limited with a short term fund? That is the approach I use for about 1 year's expenses. Others may commit more. YMMV. • What should I shif...
by RadAudit
Mon Oct 24, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Your opinion on mentors
Replies: 12
Views: 1164

Re: Your opinion on mentors

Welcome to the forum The Timothy Sykes of penny stocks? I believe if you are just starting out you can get a lot farther down the road to financial well being at a lot lower cost if you start here. https://www.bogleheads.org/wiki/Getting_started Watch the videos, read the linked articles, and read a...
by RadAudit
Sun Oct 23, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Back Up Camera for Automobile
Replies: 12
Views: 1231

Re: Back Up Camera for Automobile

I told her to hold off for just a bit because I think back up cameras can be purchased and installed separately?Am I right? Any suggestions for where to find one? not too expensive and not complicated to operate and install? When I bought my last new to me car a couple of years ago, CARMAX was offe...
by RadAudit
Fri Oct 21, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: When have you given enough?
Replies: 65
Views: 5236

Re: When have you given enough?

if your net worth is above the estate tax exclusion(about $10 million?) ... Thank you for the compliment - but with the numbers I'm working with in the portfolio, that'll never be a level of concern for me. :happy Again, thank you all for your thoughts and your willingness to share those insights. ...
by RadAudit
Thu Oct 20, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: When have you given enough?
Replies: 65
Views: 5236

Re: When have you given enough?

Thank you all for your opinions and guidance.
by RadAudit
Thu Oct 20, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: When have you given enough?
Replies: 65
Views: 5236

When have you given enough?

I'm not looking for a dollar amount. A process to get to answer would be appreciated, however. I'm retired with a enough money to be moderately comfortable if we continue to live modestly. But a question has come up. In planning the next vacation, the DW has expressed reservations about booking the ...
by RadAudit
Tue Oct 18, 2016 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Vanguard Flagship?
Replies: 28
Views: 3040

Re: Anyone have experience with Vanguard Flagship?

I haven't interacted all that much with my rep; but, I believe they either have been adequately trained to arrange the transfer of the funds you are talking about or they can find someone who can.

From what I recall from the transfer of my old 401(k) to VG, it went fairly smoothly.
by RadAudit
Tue Oct 18, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: New young investor asking for some guidance
Replies: 17
Views: 1355

Re: New young investor asking for some guidance

c.bowles2 wrote:Or should i not even worry about mid and small cap?


A careful reading of ruralavalon's and pkcrafter's replies should answer your question.
by RadAudit
Tue Oct 18, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: New young investor asking for some guidance
Replies: 17
Views: 1355

Re: New young investor asking for some guidance

Welcome to the forum. This is more in the line of a bump up. You may get better and more complete replies if you edit your post and provide your info in this format. https://www.bogleheads.org/forum/viewtopic.php?t=6212 That said a few general observations. Check the portfolio of the VINIX Instituti...
by RadAudit
Mon Oct 17, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: diversification across risky assets requires discipline and patience
Replies: 12
Views: 1372

Re: diversification across risky assets requires discipline and patience

larryswedroe wrote:Hope you find this helpful


Thanks for the article.

Sometimes (daily?) I need to be reminded of some of the basics - diversify, and - sometimes because some of these things need time to work out - buy, hold and rebalance.

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