Search found 2356 matches

by RadAudit
Sat Mar 25, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: "Designing Your "Glide Path"
Replies: 20
Views: 1680

Re: "Designing Your "Glide Path"

Taylor Larimore wrote:Consider an appropriate target fund -- then forget about it.


I'm beginning to see the wisdom in that approach.

Thanks for all you do, Mr. Taylor.
by RadAudit
Thu Mar 23, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: WWBHD? 50k scared money for Roth IRA
Replies: 11
Views: 1027

Re: WWBHD? 50k scared money for Roth IRA

Is it true that one could simply replicate the same target date fund by getting into three or four funds individually and possibly saving a boatload in fees over the course of the next twenty years? Does the target date fund rebalance in such a way that it's better than holding individual funds of ...
by RadAudit
Mon Mar 20, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: I thought I knew my desired AA
Replies: 76
Views: 3217

Re: I thought I knew my desired AA

How do I know what AA I am comfortable with? Excellent question. Unfortunately, there really isn't any sure way to know until your are in the middle of a crash. And then it is a little too late. Worse still, as you get older, your risk tolerance changes. So what worked the last time may not work 10...
by RadAudit
Sun Mar 19, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Hello and Thank You from New Member
Replies: 4
Views: 276

Re: Hello and Thank You from New Member

Welcome to the forum.

Kilgore Trout wrote: Was shocked and angered (at myself) upon discovering that ... I was paying approx. 1.3% to EJ and getting little to nothing for the excessive fees.


A number of folks on the forum feel that way about EJ.
by RadAudit
Sat Mar 18, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1084

Re: rewriting will

Well, if it isn't your money, there's really not much you can do. However, when I was going through some uncertainty about how to divide my estate at some future time, the good folks on the board recommended a 50 / 50 split between my two kids. (In your case, it's probably 1/3, 1/3, 1/3) There are a...
by RadAudit
Sat Mar 18, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How to think about the really long view to take
Replies: 5
Views: 463

Re: How to think about the really long view to take

#2. Easily achievable. Add international stock and bond index funds to your portfolio. Or, on the other hand, you could - like I did for the first 25 years of my life - live about a mile off the end of the runway of a major military facility. So, if the balloon ever went up you'd be gone in a flash,...
by RadAudit
Thu Mar 16, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Church Development Funds?
Replies: 13
Views: 913

Re: Church Development Funds?

From the Solomon Foundation “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.” Proverbs 11:14 OP, I think you've received good advice on the wisdom of this thing as an investment. Now, if you and / or your congregation wish to donate the money as a churc...
by RadAudit
Wed Mar 15, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Church Development Funds?
Replies: 13
Views: 913

Re: Church Development Funds?

Welcome to the forum. As a matter of personal preference, I try to keep my personal investments and my church separate - except for periodic contributions to the church, of course. I have a problem with having a person in a position of religious authority advocating particular investments. It tends ...
by RadAudit
Tue Mar 14, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: CCRC [Continuing Care Retirement Community]
Replies: 10
Views: 1103

Re: CCRC

I'm not there, yet. Mom didn't like the idea of moving to a retirement home. [Sis got to play the heavy] However, Mom said - after living alone for a decade after Dad died - "I wish I (had moved here) sooner." The care was good, although it pays to visit fairly often. The food was good. Re...
by RadAudit
Mon Mar 13, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with inheritance
Replies: 11
Views: 1256

Re: Need help with inheritance

I'm sorry for your loss.

Are you the executor of his estate? If so, there may be other issues to take care of before investing the money - taxes, his last RMD, etc. Don't be in a rush. When my mom died, it took about a year to close out the estate.
by RadAudit
Sat Mar 11, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer Remaining Student loans to HELOC (variable credit line)
Replies: 3
Views: 285

Re: Transfer Remaining Student loans to HELOC (variable credit line)

If you are going to pay it off in 12 months, how much money are you really talking about between the two options? Is that amount of money worth giving up the hardship protections?
by RadAudit
Sat Mar 11, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Vanguard Transition: What to do with Bonds?
Replies: 15
Views: 1063

Re: Edward Jones to Vanguard Transition: What to do with Bonds?

Another vote from the totally ignorant about individual bonds. I inherited some money. It was in a taxable account at EJ. Sold the stocks and transferred the money to Vanguard. The remainder was in state specific municipal bonds paying 4%+ to 5%+. Those bonds were callable. I let those bonds mature ...
by RadAudit
Fri Mar 10, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: heloc status with no work income
Replies: 11
Views: 860

Re: heloc status with no work income

Do I need to do anything to have everything recorded and documents given to me for pay off? The mortgage company is suppose to send the paperwork to the court. What you need to do is keep every piece of paper (Deed of trust, letter of satisfaction, etc.) they've given you. We've spent the last mont...
by RadAudit
Thu Mar 09, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing (long term outlook)
Replies: 8
Views: 574

Re: New to Investing (long term outlook)

Lump sum? Fed hikes seem to be coming soon, will this impact the market? Lump sum seems reasonable. If the first Fed hike this year has a significant impact on the market it probably won't be the first time the market has failed to price in one of the most anticipated hikes ever. But, I'd bet that ...
by RadAudit
Thu Mar 09, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing (long term outlook)
Replies: 8
Views: 574

Re: New to Investing (long term outlook)

Welcome to the forum Is it wise to invest in S and P 500 or "total stock market" while market is so high Use the total stock market. It contains both the stocks of the S&P 500 and mid and small cap stocks as well. Just as an aside, the market has been at (then) all time highs before - ...
by RadAudit
Wed Mar 08, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11466

Re: How to make it easier for spouse upon death

If this prospect doesn't terrify you, you don't understand what you are up against. I've been fighting this battle for the last decade or so - and hope to be fighting it for another decade or so. The spouse just isn't interested in investments, although she does a very much better job than I could ...
by RadAudit
Wed Mar 08, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Diversifying investments
Replies: 5
Views: 355

Re: Diversifying investments

Time has a way of answering these questions - like the next time the stock market drops 50%. The general idea, as I understand it, is that bonds offer some degree of stability to a portfolio during downturns. So the degree of loss is somewhat lessened when your portfolio drops only 35% (70% * 50%) i...
by RadAudit
Tue Mar 07, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Seeking wisdom around saving, living, and housing.
Replies: 22
Views: 1946

Re: Seeking wisdom around saving, living, and housing.

. I don't want to have regrets when my kids are grown and out of the house but I don't want to struggle in retirement either. Don't we all? I'm a little farther down the line than you are. The kids are grown and gone. And, I feel that no matter what, you'll have regrets. It's just a matter of which...
by RadAudit
Thu Mar 02, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Costs vs diversification in mutual funds - which is more important?
Replies: 21
Views: 1389

Re: Costs vs diversification in mutual funds - which is more important?

OK. We're now in to opinion's. Folk's with better opinions than mine should be along shortly.

In the long run, it should be OK. What will matter more is how much you save, the stock bond ratio, etc.

Buy, hold and rebalance. And, stay the course.
by RadAudit
Thu Mar 02, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: Costs vs diversification in mutual funds - which is more important?
Replies: 21
Views: 1389

Re: Costs vs diversification in mutual funds - which is more important?

Welcome to the forum

It probably comes down to home country bias and how much. Or, where you are going to live and how much.

Just a guess without more info about your situation.
by RadAudit
Wed Mar 01, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6633

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

Anyone remember how much time elapsed from when Greenspan first announced irrational exuberance in the market and the subsequent crash?

Just looked at it on Google. About three years. Three years is a long time to sit on the sidelines and wait for a crash.
by RadAudit
Tue Feb 28, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: retirement planning
Replies: 11
Views: 873

Re: retirement planning

I would love to hear the opinions of others, especially those in retirement. I used 100% of pre-retirement income as a target for annual retirement spending. And then, I upped the target by 3% / yr. to account for inflation. So far, six or seven years in to retirement, the spending has been pretty ...
by RadAudit
Tue Feb 28, 2017 4:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: What Happened to Hampton Roads Chapter
Replies: 8
Views: 1151

Re: What Happened to Hampton Roads Chapter

I'm also in Hampton Roads.

May be we can get someone from Edward Jones to act as a coordinator. :happy
by RadAudit
Sun Feb 26, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: "Buffett: Indexing the Best Choice for Investors Large and Small"
Replies: 16
Views: 2526

Re: "Buffett: Indexing the Best Choice for Investors Large and Small"

I always wondered why some people don't use index funds. Mr. Buffett may be on to something. Why do the wealthy reject his advice? Buffett points to two drivers. First, professional consultants would be committing “career suicide” if they told their high net worth clients “year after year, to keep a...
by RadAudit
Sat Feb 25, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3210

Re: Bogleheads' Philosophy a Generalization?

The only thing I'd push back on is while "Past performance is not an indicator of future returns" you can find finds that have been beating or matching indexes for lengthy historical periods. It seems if you're willing to review progress annually or such you could do better. Am I wrong? I...
by RadAudit
Fri Feb 24, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Just opened my Vanguard account
Replies: 7
Views: 799

Re: Just opened my Vanguard account

Let's see - you want liquidity, high returns and safety for the next 12 to 18 months. My recommendation is to choose one. If I were saving for a home down payment in the next 12 to 18 months, I'd put it in a government backed Certificate of Deposit at my local credit union or bank. Others will be al...
by RadAudit
Wed Feb 22, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10470

Re: Vanguard opens special offices for $1 million clients

Same poor customer service I'm not picking on Mr. Trap. Frankly, I'd like to thank him for bringing up a theme that is making the rounds. A theme I find to be interesting. Now, what level of service does this forum believe is appropriate for a mutual fund company to provide to it's customers? And, ...
by RadAudit
Wed Feb 22, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Re-balancing Help
Replies: 16
Views: 537

Re: Re-balancing Help

Haven't done the calculations; however, I use a 5% band on either side of the targeted asset allocation percentages - (primary target is % in stocks and % in bonds.) - to key the need to rebalance. At my current asset allocation (50 / 50) and the fact that I'm in retirement, rebalancing every couple...
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: 404

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: 3525

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: 3525

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: 3525

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: 3525

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: 613

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: 652

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: 4678

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: 11
Views: 860

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: 11
Views: 860

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: 11
Views: 860

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: 1773

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: 690

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: 2296

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: 527

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: 11
Views: 860

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: 3914

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: 4787

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: 150
Views: 20925

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: 4276

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: 4276

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: 4276

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...

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