Search found 2035 matches

by RadAudit
Wed May 04, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Fund Suggestions?
Replies: 2
Views: 172

Re: Traditional IRA Fund Suggestions?

You may get better replies to your question if you post the requested information and questions in this format. viewtopic.php?t=6212
by RadAudit
Tue May 03, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to clean up a 400k portfolio that has gotten too unwieldy
Replies: 11
Views: 1791

Re: Ready to clean up a 400k portfolio that has gotten too unwieldy

So, is it totally against the Bogleheads way to put any money at all in more growth/aggressive funds - even if at Vanguard? Ex. Vanguard Growth Index Fund Investor Shares VIGRX Another way of stating the basic philosophy is that Bogleheads, as a rule, tend to prefer using index funds to achieve bro...
by RadAudit
Tue May 03, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing, New to BH
Replies: 4
Views: 425

Re: New to Investing, New to BH

Welcome to the forum Start here. https://www.bogleheads.org/wiki/Getting_started Watch the videos. Read the linked articles. Read a few of the recommended books. Additionally, the first post on this thread - with it's linked articles and quotes - is very informative.https://www.bogleheads.org/forum/...
by RadAudit
Sun May 01, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: Sound advice from Warren Buffett
Replies: 16
Views: 2956

Re: Sound advice from Warren Buffett

I do worry about the negative impacts low costs have on salaries of the average lay employee of fund companies. This is just a pure guess; but, I think the salaries of an average - non-portfolio manager, non-CEO - fund employee would be pretty much the same whether the fund is an active management ...
by RadAudit
Sun May 01, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: In-Law's Sketchy Investment Advice
Replies: 13
Views: 1601

Re: In-Law's Sketchy Investment Advice

Have any of you heard of something this? Yes. It is called a scam. It's probably a Ponzi scheme of some sort - but that's just a guess. The key is the deal is offering a 10% guaranteed return. If the offered return is that much higher than Treasuries (5X the 30 year bond yield (?)), you are taking ...
by RadAudit
Fri Apr 29, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Why does the market have alarms?
Replies: 4
Views: 493

Re: Why does the market have alarms?

Alarms? Are you referring to circuit breakers?
by RadAudit
Fri Apr 29, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: How to implement the Bogleheads strategy in Europe
Replies: 3
Views: 507

Re: How to implement the Bogleheads strategy in Europe

and I would love if someone could explain whether (and why) my thinking is flawed!! Sorry for the delay in posting a reply. I sent you a PM. Hopefully it arrived. I doubt if your thinking is flawed. Low bond yields may cause a number of folks to question various aspects of their portfolio. As I und...
by RadAudit
Thu Apr 28, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3111

Re: Inherited property and family issues

OK, I can't say our situation is similar; but there are enough similarities. And I can tell you how this situation might end. The bottom line is this - that the taxes will be paid. Either they will be paid with your help or they'll be paid upon the forced sale of the property. If Mary can't pay the ...
by RadAudit
Mon Apr 18, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund needed?
Replies: 17
Views: 1673

Re: Emergency fund needed?

Do whatever works for you. +1 Same here, roughly - without the large portfolio. I do have a HELOC with an adequate line. Additionally, I have a couple of credit cards with a combined limit that is larger than the price of my first house. (It was an old, small house and long ago.) That said, I have ...
by RadAudit
Sun Apr 17, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8602

Re: University of Virginia vs University of Miami

I guess I am surprised that job prospects are not anywhere on your list of criteria First, there is no question that UVA is a good school. It's pretty and you'll receive a good education. Second. Interesting question. It ought to be the first of many. Poly Sci was mentioned as an area of interest. ...
by RadAudit
Sat Apr 16, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8602

Re: University of Virginia vs University of Miami

OK. Just one small point to consider in your search for an appropriate college. Research the uproar, lawsuits and fallout from the Rolling Stone article about the "rape" at one of the UVA frat houses. How the university administration handled the situation may influence your decision - on...
by RadAudit
Sat Apr 16, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8602

Re: University of Virginia vs University of Miami

OK. Just one small point to consider in your search for an appropriate college. Research the uproar, lawsuits and fallout from the Rolling Stone article about the "rape" at one of the UVA frat houses. How the university administration handled the situation may influence your decision - one...
by RadAudit
Fri Apr 15, 2016 7:02 pm
Forum: Investing - Theory, News & General
Topic: Whats with the hedge fund hating?
Replies: 60
Views: 4368

Re: Whats with the hedge fund hating?

There's nothing really wrong with a hedge fund, if you are managing properties owned by these funds. The problem comes when you as an independent investor invest your money in the hedge fund looking for a reasonable return. The fees charged to an individual investor ensure that most of the return go...
by RadAudit
Fri Apr 15, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 8602

Re: University of Virginia vs University of Miami

I graduated from a UVA graduate school when dinosaurs were roaming the campus.

I live in Virginia.

Go to Miami.
by RadAudit
Fri Apr 15, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation Question
Replies: 2
Views: 296

Re: Retirement Allocation Question

You'll get better answers to your questions, if you edit your post into this format. viewtopic.php?t=6212
by RadAudit
Thu Apr 14, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: Boomers' Retirement Confidence Hits All-Time Low
Replies: 7
Views: 1577

Re: Boomers' Retirement Confidence Hits All-Time Low

And then, a miracle occurs and somehow most people have enough money to continue living at some level somewhere ... maybe at a slightly lower standard of living but still ... maybe with the kids ... maybe in the kids' backyards
by RadAudit
Thu Apr 14, 2016 10:41 am
Forum: Investing - Theory, News & General
Topic: How to implement the Bogleheads strategy in Europe
Replies: 3
Views: 507

Re: How to implement the Bogleheads strategy in Europe

OK, I'll take a shot at some of this. Please be advised that I am by no means the best one to speak to any of these issues. I believe the Bogleheads' philosophy (see the wiki) is fairly close to universal. LBYM, not too much risk, low cost broad based funds, etc. ... So, yes the philosophy is applic...
by RadAudit
Wed Apr 13, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: I'll be a Boglehead Friday. Any advice?
Replies: 93
Views: 6423

Re: I'll be a Boglehead Friday. Any advice?

The most difficult / expensive thing to learn is that you don't need an investment advisor / broker. I'll admit - I cheated. I looked at the asset allocation of the appropriate (for me) Vanguard Target Date fund and copied the portfolio by buying it's component parts through Vanguard. By buying the ...
by RadAudit
Tue Apr 12, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 4230

Re: How do you find more satisfaction while living below your means?

Well, one thing you're doing right is trying to get more education so you can improve your situation. That's a good start. Another thing you might consider is that things don't necessarily bring long term satisfaction. What I found is that satisfying personal relationships are more rewarding. And, o...
by RadAudit
Tue Apr 12, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6589

Re: Retirees: what's your Withdrawal Rate for this and last year?

I've been retired for about five years. Last year the WR was 1.6%. This year, it's already at 1.7%, primarily because of a one time (I hope) expenditure. WRs are expected to increase to about 3% of the portfolio over the next 10 years. Some funds have been earmarked for a one time home remodel but t...
by RadAudit
Mon Apr 11, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hitting new saving target. Lifestyle changes ahead?
Replies: 5
Views: 1457

Re: Hitting new saving target. Lifestyle changes ahead?

Talk to your wife not the website as it sounds like you are too frugal for her. The two of you should work out where spending say 2-5k/year will make her happier. +1 Additionally, calculate your expected portfolio return (a SWAG if there ever was one), and your projected annual savings, and see if ...
by RadAudit
Sun Apr 10, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on whole portfolio 31 yr old - Roth IRA Move to Vanguard (from Betterment)!
Replies: 1
Views: 371

Re: Suggestions on whole portfolio 31 yr old - Roth IRA Move to Vanguard (from Betterment)!

. How does that look for my total portfolio? Moving from Betterment is a big step for me as I won't have the "robots" doing it anymore and trying to do it all for myself. You seem to be quite capable of investing in mutual funds all by yourself. Nothing to worry about there that I can see...
by RadAudit
Sun Apr 10, 2016 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Investing for son in law retirement - Gifttrusts?
Replies: 12
Views: 1207

Re: Investing for son in law retirement - Gifttrusts?

stjoe56 wrote:I'm somewhat at a loss to understand why he needs a separate retirement fund, if he is married to your daughter.


I like the kid. He is good to her. But no one can tell what the future will hold.


A gift trust sounds like a generous gift from a very caring person. Best of luck.
by RadAudit
Sat Apr 09, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for son in law retirement - Gifttrusts?
Replies: 12
Views: 1207

Re: Investing for son in law retirement - Gifttrusts?

I'm somewhat at a loss to understand why he needs a separate retirement fund, if he is married to your daughter. (In retirement, is she going to eat steak while he sits at the other end of the table and eats cat food? :wink: My perspective may be out of kilter with the reality of your situation. My ...
by RadAudit
Sat Apr 09, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Help for a novice Investor
Replies: 5
Views: 430

Re: Help for a novice Investor

Welcome to the forum Doctors have some unique challenges when it comes to investing. Have you taken a look at the white coat investor web site? Some of that may be specific to your situation. https://www.bogleheads.org/forum/viewtopic.php?t=133371 The first post on the thread has a link to the site....
by RadAudit
Sat Apr 09, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 5068

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

She's investing to the point that meets her employer's match. That may not make her rich; but it's s start. It might be beneficial to encourage her to make the best selection of funds available to her inside the employer's program - low cost, index funds with her unique portfolio asset allocation th...
by RadAudit
Sat Apr 09, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Best Bond to look at [Bond funds]
Replies: 3
Views: 408

Re: Best Bond to look at

Just a guess here. If you look at the portfolio of the VG target date 2010, I believe you'll find a Total Bond Fund clone. (TB II?). Additionally, I think the bond allocation should be approaching 70% of the TD 2010 portfolio - or it should be when it changes over to the Retirement Income fund in se...
by RadAudit
Thu Apr 07, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: New to this kind of stuff with questions [portfolios for adult children]
Replies: 8
Views: 778

Re: New to this kind of stuff with questions [portfolios for adult children]

Welcome to the forum A guy who invested with me many times over the years told me I needed to become diversified and should check you guys out because he heard good things about you. I don't even know ho to go about looking for anything to invest in outside my own industry. I'm not stupid but I defi...
by RadAudit
Wed Apr 06, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 6851

Re: Are you planning to leave an "estate"?

I'm on the leaving an estate as a result of trying for security end of the question. If I wanted to almost break even and let the last check bounce, I'd probably go with some combination of pensions and SPIAs. But, it's the unknowns that have me stumped. How long will the spouse live? What are the f...
by RadAudit
Tue Apr 05, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Couple needs some good advice from Bogleheads
Replies: 30
Views: 2853

Re: Couple needs some good advice from Bogleheads

I'll avoid giving out advice. However, I can share this little piece of information. In the first post of this thread https://www.bogleheads.org/forum/viewtopic.php?t=88005 there is a link to a little paper http://web.stanford.edu/~wfsharpe/art/active/active.htm I'll ignore all the linked articles a...
by RadAudit
Mon Apr 04, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 5565

Re: is foreign investing really worth it

Simply, if your IPS says a portion of your portfolio should be in international, invest in accordance with your IPS. What if your IPS was written by a relatively inexperienced investor.....like me...or you. Do you follow it by rote?......Gordon Good point. I'm not that good to think up an investmen...
by RadAudit
Mon Apr 04, 2016 7:25 am
Forum: Investing - Help with Personal Investments
Topic: is foreign investing really worth it
Replies: 90
Views: 5565

Re: is foreign investing really worth it

The fault for misinterpretation - or choosing the wrong take-away - of what I thought Mr Swedroe wrote in his 4/1/16 article is entirely my own. http://www.etf.com/sections/index-investor-corner/swedroe-stay-diversified-through-lows?nopaging=1 That said, if you are investing based on market performa...
by RadAudit
Sun Apr 03, 2016 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Looking for a fresh look at my portfolio
Replies: 12
Views: 1027

Re: Looking for a fresh look at my portfolio

Welcome to the forum. How are you all shifting your allocations as you both approach retirement and the draw down on your accounts? Finally, a question I can answer. My wife is following the Vanguard target date fund glidepath to 50 / 50 at retirement and will probably continue on the path to about ...
by RadAudit
Fri Apr 01, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts On Preserving An Inheritance
Replies: 22
Views: 1870

Re: Thoughts On Preserving An Inheritance

I applaud your attempt to preserve and pass on the family inheritance. Now, that said. I dabble in looking at my family tree. From a cursory glance, I've concluded it is extremely difficult to pass on a family inheritance through several generations. One, things happen. But, the biggest problem is p...
by RadAudit
Fri Apr 01, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: A friend with a pension and a House
Replies: 10
Views: 1506

Re: A friend with a pension and a House

There are a number of different ways to make money. Your friend has chosen a different path than one you are comfortable with. It may be wrong for you; it might not be wrong for him. I'd suggest that you avoid trying to change your friend. Now, if he asks you, you can tell him what you do; but I wou...
by RadAudit
Fri Apr 01, 2016 10:14 am
Forum: Investing - Theory, News & General
Topic: Recency, relativism, patience, discipline and tracking error
Replies: 6
Views: 674

Re: Recency, relativism, patience, discipline and tracking error

Larry, thanks for the post.

I found it to be a succinct summary of a number of mistakes I've made - at least once - in forty years of investing. :oops:
by RadAudit
Thu Mar 31, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing question from a new investor
Replies: 5
Views: 366

Re: Rebalancing question from a new investor

I'm leaning towards a percentage trigger for my rebalancing (5% off target) with a quarterly backup if the percentage hasn't been hit. Percentage triggers of 5% are OK for assets that exceed 20% (?) of the portfolio. Quarterly rebalancing is not necessary. Every year or so is fine. I rebalance annu...
by RadAudit
Thu Mar 31, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: New forum member question [about fund choices]
Replies: 10
Views: 770

Re: New forum member question [about fund choices]

Welcome to the forum. Ruralvalon +1 I also am thinking of putting in money in equal installments over 12 or 24/months. The time line was picked without any scientific basis. I just thought either is reasonable. There are some on the forum who would argue for that lump sum investment would equal high...
by RadAudit
Thu Mar 31, 2016 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Beginner questions regarding portfolio
Replies: 7
Views: 672

Re: Beginner questions regarding portfolio

Welcome to the forum. Also, if I want to be conservative and want to diverse my portfolio and want to keep money in there for say 30-40 years, and continue to invest some $$ amount every month out of my pay - whats the best way to diversify my portfolio? Look here. https://www.bogleheads.org/forum/v...
by RadAudit
Wed Mar 30, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: New Member looking for assurances with Vanguard
Replies: 6
Views: 845

Re: New Member looking for assurances with Vanguard

Welcome to the forum. My big question is international markets. I read where Bogle does not capture that fund/market personally because he believes international is covered in his other holdings. I have inquired about reducing this position (China worries me and other internaitonal market do as well...
by RadAudit
Tue Mar 29, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund, 4 fund, 28 fund portfolio???
Replies: 28
Views: 1865

Re: 3 fund, 4 fund, 28 fund portfolio???

Welcome to the forum. Is there a benefit to having more funds when compared to the 3 broad funds? Some people on the forum argue for tilting their portfolios to REITs and / or small cap value funds (and sometimes other places). It sort of depends on your time horizon and your willingness to stay the...
by RadAudit
Mon Mar 28, 2016 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 6
Views: 476

Re: Investment Checkup

And oddly enough, others do feel differently about cash in the Roths.

http://vanguardblog.com/2016/03/23/roth ... portfolio/
by RadAudit
Sun Mar 27, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons for =>80% stocks at =>40 y/o
Replies: 56
Views: 4414

Re: Reasons for =>80% stocks at =>40 y/o

Well, for comparison, Vanguard Target Date Funds hold an ~ 75% to ~80% exposure to stocks until about 10 to 15 years in front of "retirement," if that is any help in determining the reasonableness of your approach. Whatever you decide, don't stay with an excessively high exposure to stocks...
by RadAudit
Sun Mar 27, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Request, Please
Replies: 25
Views: 2315

Re: Advice Request, Please

Welcome to the forum. 1. Based on a snapshot on my account yesterday, I’m paying about $13K a year in adviser fees (0.85%) and almost $15K a year in Expense Ratio fees. Is the three fund portfolio a reasonable option for my account? If you choose the right three funds, it ought to be a pretty good o...
by RadAudit
Sat Mar 26, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 10488

Re: Financially, how have you done/doing vs. your parents?

Thanks to the OP for raising the question. I've thought about it for a while and have concluded that there is almost no way that I'll do as well as my parents, from a financial perspective. Dad, born in 1918, was the youngest son of a sharecropper. After WWII, he worked as a bookkeeper until he was ...
by RadAudit
Sat Mar 26, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Article in the Economist about Lake Wobegon
Replies: 6
Views: 1488

Re: Article in the Economist about Lake Wobegon

Thanks for the link.

Profit margins in the asset-management industry were 39% in 2014, according to BCG, a consultancy, compared with 8% in consumer goods and 20% in pharmaceuticals.


Profit margins of 39%? Maybe not as good as movie theater popcorn sales but getting close.
by RadAudit
Sat Mar 26, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Unwanted cold call from Mass Mutual agent
Replies: 45
Views: 3294

Re: Unwanted cold call from Mass Mutual agent

I don't answer any calls where I don't know who the caller is. Saves a lot of aggravation. Yep, best policy. If it is important, they will leave a message. Broken Man 1999 Definitely agree with this approach. If the caller does not leave a detailed message, you most likely did not want to waste you...
by RadAudit
Sat Mar 26, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Unwanted cold call from Mass Mutual agent
Replies: 45
Views: 3294

Re: Unwanted cold call from Mass Mutual agent

Thought - Oh, you'd be horrified if you knew what information of yours is sold to other folks and how it is used. :annoyed

Advice - Tell the agent no.
by RadAudit
Thu Mar 24, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: Misleading article about investing club on CNN Money
Replies: 18
Views: 2045

Re: Misleading article about investing club on CNN Money

Putting the quality of the article aside for a moment, the idea of an investing club at a college may be useful for developing skills in analyzing and selecting individual stocks for a small self-directed portfolio, assuming some people might want to do that. And there may be other benefits. Student...

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