Search found 2576 matches

by RadAudit
Tue Oct 17, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 809

Re: Help w/ parents investments

All of Vanguard's Target Date funds end up with a 25/75 split in late retirement, which typically assume that the investor needs that money to live on. That may not be a good assumption in this case. Take a look at VG (or others) Life Strategy (Target Risk) Funds. They have fixed asset allocations ...
by RadAudit
Mon Oct 16, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 101
Views: 4745

Re: How does everyone keep track of your portfolio?

Open Office spreadsheet with a few formulas I typed in - addition, percentages, etc. I also cross check with VG's portfolio watch. With all the funds in VG, the update takes about 10 minutes / month.
by RadAudit
Mon Oct 16, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: couple of questions regarding inflation and the 4% rule
Replies: 13
Views: 972

Re: couple of questions regarding inflation and the 4% rule

I guess if I were using a CPI other than just a SWAG, I'd use one that came closest to the overall rate of inflation in the economy. Reason (?) being that the overall rate of growth in the stock prices over time is the rate of increase in real earnings + inflation (I guess). My personal rate of infl...
by RadAudit
Thu Oct 12, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3532

Re: Rebalancing - Personal Philosophies

Just to add a wrinkle. I am retired and living off the portfolio. I recently finished McClung's Living Off Your Money. I'm thinking of using one of the approaches - Alt Prime Harvesting (?) - he discusses for withdrawals and rebalancing. https://www.bogleheads.org/forum/viewtopic.php?t=192105 Theore...
by RadAudit
Thu Oct 12, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question for my parents
Replies: 16
Views: 777

Re: Asset allocation question for my parents

Welcome to the forum

Have you asked your Dad what he wants to do with his money? Usually, people invest for a goal(s), what are his? Does he want to leave any money to charity?
by RadAudit
Thu Oct 12, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need help investing $1M in today's market
Replies: 24
Views: 3717

Re: Need help investing $1M in today's market

Look here https://www.bogleheads.org/forum/viewtopic.php?t=88005 First post on the thread. Read the linked articles, too. A three fund portfolio will work for a $1 mil. portfolio. It'll work for larger and smaller portfolios, too. And, no. DCA is not necessarily recommended for the highest returns -...
by RadAudit
Wed Oct 11, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13596

Re: [Boglehead vs Mr Money Mustache philosophies]

Teague wrote:
Wed Oct 11, 2017 4:46 pm
Well, heck, since we get to define "retirement" however we please, do we get to define "theoretically sufficient savings" as well?
According to the article on MMM, if you meet the criteria, I guess you can if you want to.
by RadAudit
Wed Oct 11, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13596

Re: [Boglehead vs Mr Money Mustache philosophies]

working a bunch of side jobs isn't "early retirement" ah, yes. The internet retirement police. Please read the article below. http://www.mrmoneymustache.com/2013/02/13/mr-money-mustache-vs-the-internet-retirement-police/ Thanks for the link. Enjoyed the discussion concerning the term retired / fina...
by RadAudit
Tue Oct 10, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 1930

Re: Advice on Canceling Fidelity Portfolio Advisory Service

Welcome to the forum.

You might want to edit your post / information in to the format discussed here for more complete answers to your questions. viewtopic.php?f=1&t=6212
by RadAudit
Tue Oct 10, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club and Other Goals Reached!
Replies: 8
Views: 1740

Re: 2 Comma Club and Other Goals Reached!

Congrats. Welcome to the club.

Don't concern yourself with how many times you make it back and forth across the threshold. Some of us have been back and forth across that number more than a few times.
by RadAudit
Mon Oct 09, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 23
Views: 2863

Re: Why is inflation so low? Moore's law?

I always thought that Moore's law had to do with transistors. From the wiki - Moore's law is the observation that the number of transistors in a dense integrated circuit doubles approximately every two years. The observation is named after Gordon Moore, the co-founder of Fairchild Semiconductor and ...
by RadAudit
Sun Oct 08, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11055

Re: Millionaire Next Door (Thank you Bogleheads)

ruralavalon wrote:
Thu Oct 05, 2017 4:18 pm
retire57 wrote:
Thu Oct 05, 2017 3:45 pm
Yay!!! :beer

BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO.
Thanks for the book recommendation, I just bought Stop Acting Rich.
+1
by RadAudit
Sat Oct 07, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2616
Views: 832808

Re: What Book Are You Currently Reading? Part VI

Stanley's "Stop Acting Rich ..." OK. I'm a little slow in getting around to reading it. A little dry at the start, so far, because he spends a lot of time writing about vodka, cars, and watches. But he wraps up the points he wants to make very well. And unless you are either a balance sheet milliona...
by RadAudit
Fri Oct 06, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Young student investing for the future [Belgium]
Replies: 6
Views: 460

Re: Young student investing for the future [Belgium]

Welcome to the forum. When you say international, what do you mean? Beyond Belgium? Beyond Europe? Since I'm in the USA, international means outside the US to me. I'm guessing it means something else to you. Having said that, you might want to find a total world mutual fund if you can. That would pu...
by RadAudit
Fri Oct 06, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 138
Views: 13996

Re: Bogle himself is saying we will expect like 3% for the next decades

Even the master himself is saying we will get something like measly 3% from the market and the fun times are over. OK, he was saying this in Oct, 2016 - but he may still be correct over the next decade. And what I thought I heard from the video was that for a balanced portfolio, of 50 / 50, the ret...
by RadAudit
Tue Oct 03, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Chickened out... Now unsure where to start.
Replies: 33
Views: 3677

Re: Chickened out... Now unsure where to start.

Welcome to the forum I wouldn't call it chickening out. I prefer the observation that discretion is the better part of valor. But as to where to start - start from where you are. Here's some reading that matches up - roughly - with the funds that are available to you. https://www.bogleheads.org/wiki...
by RadAudit
Tue Oct 03, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: first time investor need advice
Replies: 9
Views: 641

Re: first time investor need advice

Welcome to the forum. As to investing $1 mil, look here https://www.bogleheads.org/wiki/Three-fund_portfolio and here https://www.bogleheads.org/forum/viewtopic.php?t=88005 - first post in the thread. You can use four funds; but, three can do. I'm with you on investing that much at one time can be c...
by RadAudit
Mon Oct 02, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9690

Re: Current Bull Market could last years

nedsaid wrote:
Mon Oct 02, 2017 2:28 pm
About all I would advise at this point is that if you have not rebalanced your portfolio, this might be a good time to do it.
I'm waiting for the stock % of the portfolio to go up to ~55% - about 1% more - where it'll hit one of the re-balance bands per my IPS.

Thanks for the reminder.
by RadAudit
Mon Oct 02, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Your Investing Life™: Helping parents prepare for the future."
Replies: 6
Views: 1024

Re: Vanguard: "Your Investing Life™: Helping parents prepare for the future."

littlebird wrote:
Sun Oct 01, 2017 10:59 am
Sobering. I thought the boomers were the "sandwich" generation. I guess that means the boomers are the oldsters now.


Comes as something of a shock when you wake up and suddenly everyone begins to think of you as old.
by RadAudit
Sun Oct 01, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 2572

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

But, I believe it means that if you have reached your goal you can dial back the degree of risk in your portfolio. But then if you had enough money like the couple in Bernstein's story, what would you do to stop taking risks? Go to cash? Then you'd have inflation risk... :( Perhaps buy TIPs? Sorry,...
by RadAudit
Sun Oct 01, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 2572

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

I guess the tricky bit for me is to clearly understand the 'need' part. I'm having trouble with that, too. I look at it as the need to take risk to meet your goals. Two comments that sort of helped me get a handle on the idea are (1) Buffett once said about a company “To make money they didn’t have...
by RadAudit
Fri Sep 29, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8197

Re: Question: Why do people put/keep millions of dollars in investment accounts?

Well, it's not millions; but what I have is in tax advantaged accounts and it would cost too much in taxes to take it out and bury it in the back yard.
by RadAudit
Fri Sep 29, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2015

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

One comment that stuck with me - and I'm beginning to try to understand - is "If you must have things, have things that add value to your life." I'm beginning to understand that a lot of what I have doesn't actually add anything of value. The easiest thing to identify - and the first - was all the c...
by RadAudit
Fri Sep 29, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: How should I should allocate my inheritance
Replies: 17
Views: 1737

Re: How should I should allocate my inheritance

Welcome to the forum. just put it in a one year CD until I figure out where I am going with my education. Excellent advice. Essentially consistent with this wiki article https://www.bogleheads.org/wiki/Managing_a_windfall On a personal note - ~$100k is a lot of money, well at least for me. It took m...
by RadAudit
Wed Sep 27, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice - Potential windfall
Replies: 7
Views: 834

Re: Investment advice - Potential windfall

Any all opinions are welcome and greatly appreciated .. Oh, good. Opinions I have. If you come into a windfall, put the money somewhere safe - an FDIC insured bank savings account for example. Read the wiki article on managing a windfall. And, wait a year before doing anything else other than comin...
by RadAudit
Sat Sep 23, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 14
Views: 1967

Re: "My Favorite Mutual Fund"

Thanks for the link
by RadAudit
Sat Sep 23, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8225

Re: Age you retired

Left employment at 63, almost 7 years ago. There's some debate about if I ever actually worked - so retired may not be the right word in my case.
by RadAudit
Sun Sep 17, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4115

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

MFInvestor wrote:
Sun Sep 17, 2017 8:51 am
I admire Buffett's work, but I suspect most investors owe a much greater dose of gratitude to Jack Bogle."
Reading the comments to the MW article lead me to believe there are a number of folks out there who haven't got the message, yet.
by RadAudit
Fri Sep 15, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: VG International vs MSCI Index
Replies: 2
Views: 303

Re: VG International vs MSCI Index

Second, what MSCI index are you using? Good question. I was looking at the Portfolio Watch and at the bottom of the stock page showing the international distribution by region it says - "Source: MSCI AC World Index Free ex USA as of 06/30/2017." That page reports the European distribution is about ...
by RadAudit
Fri Sep 15, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: VG International vs MSCI Index
Replies: 2
Views: 303

VG International vs MSCI Index

I was glancing at my portfolio. I noticed that Vanguard's Total International Stock Index Fund (VTIAX) European holdings are ~ 8% lower than the appropriate MSCI index allocation. Anyone have an insight in to this deviation from the MSCI index? (Not that it is going to really mess up my portfolio re...
by RadAudit
Wed Sep 13, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Take Pay cut close to retirement for sanity purposes?
Replies: 17
Views: 1840

Re: Take Pay cut close to retirement for sanity purposes?

Line from a country song (I think) - I've always been crazy but it kept me from going insane. Works for me. My vote is for sanity. If you are pretty sure about your financial position, you might want to post your situation in this format for another opinion or two. https://www.bogleheads.org/forum/v...
by RadAudit
Wed Sep 13, 2017 6:40 am
Forum: Investing - Theory, News & General
Topic: "Top 5 Ways to Manage Your Money"
Replies: 8
Views: 3602

Re: "Top 5 Ways to Manage Your Money"

In many ways, the fact that someone with only a small amount of experience can simply buy a target-date or target-risk fund and get returns that anyone would likely envy democratizes investing. Hope you are correct. I put the wife and kids in these funds knowing that they didn't have the time or in...
by RadAudit
Tue Sep 12, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Investing parents nest egg -- any final thoughts?
Replies: 37
Views: 2678

Re: Investing parents nest egg -- any final thoughts?

Didn't read the other posts. Did you check on RMDs and taxes or is that too far away? Rest looks OK to me.
by RadAudit
Tue Sep 12, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8982

Re: Retirees-anyone miscalculate how much was needed?

I don't think I've mis-calculated on how much I need (Last salary [gross] + 3% / yr.). I may have mis-calculated on how much I'd spend. (Guessed a little low.) But, I definitely missed on how long this bull market would run. So, every thing seems to be working out OK - so far.
by RadAudit
Tue Sep 05, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14006

Re: If I died today, what would my spouse do?

I believe DW would have enough. And, the kids would probably get something after she is finished with it. But, if the old adage is correct, the grandkids are going to have to step up their game. They have time; the oldest is three. Actually, in a strange way, it is somewhat reassuring that that thin...
by RadAudit
Sun Sep 03, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Dad as Investment Advisor for Kids
Replies: 51
Views: 3822

Re: Dad as Investment Advisor for Kids

They are brilliant young men but basically have no interest in investment management Similar problem. When my kids started work after school - more than seven years ago, I suggested they go in to a target date fund in their 401(k)s. That's about the extent of my management for them. Every year, I s...
by RadAudit
Sat Sep 02, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Glideslope rate-of-change
Replies: 6
Views: 602

Re: Glideslope rate-of-change

do you really need 18 asset classes in your target date fund? I think I have heard that with a three (or four) fund portfolio you've got almost all stock / bond based asset classes and a lot of the factors, too. You just don't overweight any sector / class / or factor. You can make some adjustments...
by RadAudit
Sat Sep 02, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Glideslope rate-of-change
Replies: 6
Views: 602

Re: Glideslope rate-of-change

Haven't heard of any research on the subject. I have heard a lot about the slope of the line being tied to the rate of decay in human capital. That seems to argue for a higher allocation to stocks in to the mid to late 40s and then a drop to about 55% equities around 65. See the slope on the Vanguar...
by RadAudit
Fri Sep 01, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: "The Case for Owning the U.S. Market Portfolio"
Replies: 4
Views: 666

Re: "The Case for Owning the U.S. Market Portfolio"

It seems to me they are using the words 'active bet' to mean what they want. I don't see how investing in the world is considered an active bet. I believe the writer was using "active bet" in reference to the US market - as in some increased allocation to small cap value within the US vs. the total...
by RadAudit
Thu Aug 31, 2017 6:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16944

Re: [Are the Bogleheads] getting less interesting?

CaliJim wrote:
Thu Aug 31, 2017 2:57 pm
Personally, I never was interesting.
Me, too.

Thankfully some nice folks on the forum came up with a number of the answers I needed anyway.
by RadAudit
Thu Aug 31, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "75 Must-Know Statistics About Long-Term Care"
Replies: 24
Views: 3754

Re: Christine Benz: "75 Must-Know Statistics About Long-Term Care"

Thanks for the link. Some of those % don't sound so encouraging.
by RadAudit
Mon Aug 28, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Withdrawal Strategies ?
Replies: 7
Views: 1910

Re: Retirement - Withdrawal Strategies ?

Try McClung "Living Off Your Money" Discussion here. viewtopic.php?t=192105 It's may be a little too complete; but, it compares a number of withdrawal strategies.
by RadAudit
Sun Aug 27, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Stay or not - natural disaster
Replies: 16
Views: 1798

Re: Stay or not - natural disaster

If a hurricane is headed for you, leave. Decision made.
by RadAudit
Tue Aug 22, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Completely new portfolio - advice needed
Replies: 2
Views: 311

Re: Completely new portfolio - advice needed

Welcome to the forum. Consider this a bump up so your post doesn't get lost in the weeds. Folks better than I will be along shortly. For someone who doesn't want to lose 50% of his portfolio, I believe you are tempting fate to put 40% of the portfolio in one stock. But you know that. On the other ha...
by RadAudit
Mon Aug 21, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 6967

Re: Adjusting AA as retirement nears

...just looking for guidance from others who adjusted their AA as retirement closed in. I don't know about guidance; but I can share experiences. I've been retired for about six years. As retirement approached, I ramped down from 70/ 30 to 50 / 50 over the space of about 10 years or so. I'm still a...
by RadAudit
Sun Aug 20, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13580

Re: I own no international stocks. Can you guess why?

I don't have a clue - but I'm looking forward to the explanation and the opportunity to see if the rational makes sense for my situation. (I'm sure it makes sense for your situation or else you wouldn't of done it.)
by RadAudit
Sat Aug 19, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12260

Re: Is it worth it? [demanding jobs vs time with family]

I don't know anyone (male or female, married or single) that can have a successful marriage, raise their children, and have a rewarding career. You might try to have all three, but it's simply not possible with 24 hours in a day. Something always get sacrificed. Always. In my former career there wa...
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: 182
Views: 12260

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: 915

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)