Search found 2291 matches

by RadAudit
Sat Jan 21, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: For Target date fund owners in retirement
Replies: 5
Views: 443

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: 2566

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: 351

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: 1640

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: 195

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: 230

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: 230

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: 2277

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: 1046

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: 1953

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: 1953

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: 1953

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: 15281

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.)
by RadAudit
Mon Jan 09, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: "How Market Crashes Happen"
Replies: 9
Views: 1203

Re: "How Market Crashes Happen"

I thought this Credit Suisse document I found linked from there pretty interesting: Thanks for the link. Apparently, they were talking about me. I'll let you guess if the limits were on time or sophistication. Don’t Be the Patsy. Indexing makes a great deal of sense for investors who do not have th...
by RadAudit
Sun Jan 08, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy 20%
Replies: 6
Views: 1145

Re: Vanguard Life Strategy 20%

Welcome to the forum

Bump up
by RadAudit
Thu Jan 05, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wasting time with additional funds
Replies: 30
Views: 2004

Re: Am I wasting time with additional funds

Does anyone feel it is not worthe having more then the typical three fund portfolio with VTI, VXUS and bnd with such a small portfolio. Ahhh! A post that asks for an opinion. Here's mine: I believe you'll do very well if you stick with a three (or four, if you absolutely must have international bon...
by RadAudit
Wed Jan 04, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: "5 Financial Predictions for 2017"
Replies: 6
Views: 1081

Re: "5 Financial Predictions for 2017"

Thanks, Taylor.

Finally, financial predictions I can believe. Just haven't figured out how I can make money on them. Guess I'll just stay the course.
by RadAudit
Tue Jan 03, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: "Academic Research Doesn't Always Make Grade in Real World"
Replies: 47
Views: 3751

Re: "Academic Research Doesn't Always Make Grade in Real World"

In theory, there is no difference between theory and practice. In practice, there is - Yogi Berra.
by RadAudit
Sun Jan 01, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Unusual Request [Position as Evidence-Based Investing Advisor]
Replies: 30
Views: 1354

Re: Unusual Request [Position as Evidence-Based Investing Advisor]

Anyway, I am committed to evidence based investing and believe in the Vanguard & DFA approach. Yet this position would be working on and promoting active management, Buy Pepto. You'll need it. I can't see how you can long survive in that job. You'll be asked to do things that are unethical - to...
by RadAudit
Sun Jan 01, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund bond allocation has me concerned
Replies: 13
Views: 1202

Re: Vanguard Target Fund bond allocation has me concerned

Are we being too conservative with our retirement investments? You are not too conservative if your asset allocation meets your need, willingness and ability to take the risks necessary to meet your retirement goals. Or, more to the point, there is no need to take outsized risks if a lower risk all...
by RadAudit
Sat Dec 31, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Composition of Vanguard Total International Bond Index Fund Admiral Shares Report
Replies: 5
Views: 506

Re: Composition of Vanguard Total International Bond Index Fund Admiral Shares Report

Given the relative credit worthiness of some of the countries involved, shouldn't we be more interested in the credit quality of that part of the portfolio vs the corporate / government split?
by RadAudit
Fri Dec 30, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17478

Re: frustrating to keep investing in international/EM

I have great news for those with international/EM. I just sold my last remnant of this crap today, so it is GUARANTEED that international/EM will skyrocket over the coming days/weeks/years! Enjoy!! :sharebeer Thank you for your contribution to the cause. Best wishes for a prosperous and happy New Y...
by RadAudit
Thu Dec 29, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Federal Taxes underwithheld
Replies: 37
Views: 2647

Re: 2016 Federal Taxes underwithheld

Here is a short comment on the topic by IRS: https://www.irs.gov/taxtopics/tc306.html Here are three good general ones: 100% of last year's tax or 90% of current year's tax ... Thanks for the reminder. It was either something I should of remembered or looked up earlier this year. But it was a just ...
by RadAudit
Fri Dec 23, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: It's Dividend Check Time - Like it or Not
Replies: 15
Views: 2791

Re: It's Dividend Check Time - Like it or Not

Have you checked your VG account maintenance to see how you've directed your dividends and capital gains to be invested? I've never received a dividend or capital gains check. They have always been routinely reinvested, just as directed. Of course, my holdings may be different from those you selected.
by RadAudit
Thu Dec 22, 2016 1:13 pm
Forum: Investing - Theory, News & General
Topic: Gordon Equation Question
Replies: 6
Views: 762

Re: Gordon Equation Question

Don't know. How about a change in the price of the stock?
by RadAudit
Wed Dec 21, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mother's investments
Replies: 9
Views: 540

Re: Help with mother's investments

Please don't take this as a recommendation because I'm not that good at specific recommendations. First the bad news. It appears as if you have too many investments. Any investment less than 5% of your portfolio won't contribute enough to matter to the over all growth of the account and should be co...
by RadAudit
Tue Dec 20, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: managing flight risk [travel by plane]
Replies: 30
Views: 2055

Re: managing flight risk

MI_bogle wrote: If you all die, you all die.


And on that cheery note, we move on to the problem of contingent beneficiaries in your will.
by RadAudit
Sun Dec 18, 2016 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question for retirees? 3 fund portfolio + TIPS
Replies: 20
Views: 1527

Re: Question for retirees? 3 fund portfolio + TIPS

Question: do you retirees own TIPS, what % of fixed income, and most important, why? This is a bump up because I doubt if there is any usable info in this reply. Why, yes my portfolio does have TIPS. And, they are about 20% of fixed income. I continue to own TIPS because on inertia. I think I bough...
by RadAudit
Fri Dec 16, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Why should one invest in 401k to mathcing, then Roth IRA, then back to 401k?
Replies: 29
Views: 2770

Re: Why should one invest in 401k to mathcing, then Roth IRA, then back to 401k?

+1

And, then there's the pre / post retirement income tax rate consideration.
by RadAudit
Thu Dec 15, 2016 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4501

Re: If and how to bring up inappropriate conduct of former boss?

I was once in Internal Auditing. Internal Auditors were under an obligation to report to management illegal / questionable acts. If management chose not to act you had two options. Do nothing and keep quiet about it or .... Quit. These are not the only two options...the third (and best) option is f...
by RadAudit
Thu Dec 15, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4501

Re: If and how to bring up inappropriate conduct of former boss?

I was once in Internal Auditing. Internal Auditors were under an obligation to report to management illegal / questionable acts. If management chose not to act you had two options. Do nothing and keep quiet about it or .... Quit. Once you are out of the organization, you can tell anyone and everyone...
by RadAudit
Tue Dec 13, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Investing Novice
Replies: 4
Views: 352

Re: Investing Novice

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. As a point of personal preference, I believe it is better to understand something of what you want to do and why then just to rush in an...
by RadAudit
Mon Dec 12, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Re-balance help!
Replies: 4
Views: 614

Re: Vanguard Account Re-balance help!

This is a bump up.

But, that said, what does your IPS say for you to do? What are your goals and what / when are you trying to accomplish?
by RadAudit
Sat Dec 10, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 9835

Re: Warning: BH may be hazardous to your financial health

Incendiary wrote:after reading several threads on here about "100 things worth every penny" or "Is it worth getting?", I ended up buying several items that I normally wouldn't have ever considered.


You weren't suppose to buy everything on the lists all at once.
by RadAudit
Wed Dec 07, 2016 7:52 am
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 6304

Re: How much risk do we need to take? Retired at age 47.

One approach to funding a retirement I haven't seen discussed on this thread is Wm. Bernstein's RLE (Residual Living Expenses). While you're figuring, here are other threads that pea vine through some of that discussion. https://www.bogleheads.org/forum/viewtopic.php?t=198635 https://www.bogleheads....
by RadAudit
Mon Dec 05, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 6304

Re: How much risk do we need to take? Retired at age 47.

why take more risk then needed? What would Bogleheads do in our shoes? Stock to bond mix? If almost any AA would work, I would lower the risk of my portfolio. And, I'd try to set the expected portfolio return to something above my SWR. I believe an AA of 50/50 would meet those requirements - or at ...
by RadAudit
Mon Dec 05, 2016 9:45 am
Forum: Investing - Theory, News & General
Topic: Retirees and risk-taking
Replies: 11
Views: 1342

Re: Retirees and risk-taking

If you feel really uncomfortable about the decision, isn't there something wrong? Maybe not. I am never totally comfortable with any of my decisions. My guess is that one reason is that you can't know the future outcomes for sure. The list of unknown unknowns may be large. And, in this game, there ...
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: 46
Views: 5735

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: 771

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: 46
Views: 5735

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: 926

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: 476

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: 8
Views: 1084

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: 1555

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: 5187

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: 2404

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: 2431

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: 1913

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...

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