Search found 2467 matches

by RadAudit
Tue Jun 27, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Compelling Beneficiaries to Respond - Trust
Replies: 14
Views: 923

Re: Compelling Beneficiaries to Respond - Trust

Jack FFR1846 wrote: Perhaps do a little digging, find their current phone, email, facebook contact info and get in touch to let them know that this isn't some scam.


Ancestry.com?
by RadAudit
Sat Jun 24, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Can you share some of your financial goals?
Replies: 48
Views: 3742

Re: Can you share some of your financial goals?

Tycoon wrote:Investment income > salary


For you, that goal is already on the horizon (the far horizon). Just wait until you retire .... :wink:
by RadAudit
Fri Jun 23, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can you share some of your financial goals?
Replies: 48
Views: 3742

Re: Can you share some of your financial goals?

Now that I'm in retirement, my main financial goal is to make the portfolio last at least as long as the DW and I are alive and still go where I / we want to go and do what I / we want to do.
by RadAudit
Fri Jun 23, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 3771

Re: Is VG Total Stock Market Index too concentrated?

I would say that the cap weighted index is by definition perfectly diversified. Does the same argument apply to countries like Spain, Denmark, Switzerland and South Korea, where the top 3 constituents make up 50% of the combined market cap in each country? If not, why not? I'm not sure. I believe s...
by RadAudit
Wed Jun 21, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy or Target Retirement Funds?
Replies: 17
Views: 1780

Re: LifeStrategy or Target Retirement Funds?

David Jay wrote:I think that the answer applies to you and to RadAudit (6:27am) - 10% just doesn't make that much difference


Thanks
by RadAudit
Wed Jun 21, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy or Target Retirement Funds?
Replies: 17
Views: 1780

Re: LifeStrategy or Target Retirement Funds?

David Jay wrote:LS Growth: 80/20LS Moderate: 60/40LS Conservative: 40/60LS Income: 20/80


Thanks for the correction. That saved me a 20 pt. swing on the equity side of the AA.
by RadAudit
Wed Jun 21, 2017 6:27 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy or Target Retirement Funds?
Replies: 17
Views: 1780

Re: LifeStrategy or Target Retirement Funds?

The only concern I have in choosing between the two types of funds - Life strategy or Target - is the end game. early on the glide path of target funds is very good for folks who want to set it and forget it. I have DW, DD and DS in those funds in their tax deferred accounts which are the bulk of th...
by RadAudit
Tue Jun 20, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Retirement a Good Option?
Replies: 10
Views: 1321

Re: Target Date Retirement a Good Option?

Welcome to the forum. You can do fairly well with three index funds. See If You Can by Bernstein. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=138576&newpost=2048893 But, if that's too much trouble - rebalance perhaps every year or two -, the target date fund should do OK, too. Espec...
by RadAudit
Mon Jun 19, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with this portfolio
Replies: 10
Views: 490

Re: Please help with this portfolio

This won't be much help; but, here goes. I'd first find out what the expense ratios are on each fund listed. Funds with higher expense ratios may be candidates for selling and reinvesting somewhere else. Funds with high expense ratios are not likely to outperform over time. Second, I'd look at funds...
by RadAudit
Mon Jun 19, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 101
Views: 9089

Re: Anyone else gotten totally bored with investing?

Random Walker wrote: My portfolio has gotten more complex over time and I follow it closely. Through an advisor and funds with higher ERs, I pay more in fees.


Here's an article that says that might not be the way to bet. viewtopic.php?f=10&t=221458&newpost=3414278
by RadAudit
Sat Jun 17, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16322

Re: Siblings in disagreement over mom's house.

Gift your share to a charity and let them force the sale.
by RadAudit
Wed Jun 14, 2017 6:39 am
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 7
Views: 701

Re: International Bonds

There's a chance that there's an international bond out there somewhere in which it would make sense to invest. The trick is to find it. So, I'd say that active investing would make sense in that case. I'm not that good to be able to find it.
by RadAudit
Tue Jun 13, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking advise
Replies: 18
Views: 1282

Re: Newbie seeking advise

Look at the first post in this thread. Read the linked articles and the quotes. viewtopic.php?t=88005

And look here. https://www.bogleheads.org/wiki/Three-fund_portfolio
by RadAudit
Mon Jun 12, 2017 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance or selling stocks with capital loss
Replies: 5
Views: 394

Re: Rebalance or selling stocks with capital loss

2 probably makes the most sense financially. However, the larger question to me is does MIL have enough money to make it all the way to the end if she does nothing but withdraw funds from the portfolio at it's current AA and as needed? If so, then I'd go with 3. The observation is based entirely on ...
by RadAudit
Sun Jun 11, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 12027

Re: Bogle Doubles Down on US Index Funds

As many questions about which path to choose going forward at this time, this one will be answered in due course. In about 20 to 30 years, if we choose to use historical data. :wink:
by RadAudit
Sat Jun 10, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2186

Re: Naming boat

Sum-day wrote:2nd "Vanguard"


I named my boat Vanguard I tell anyone who asks it's named after the mutual fund I drained to buy it. (It's a small, old boat.)

But, whatever you do don't name yours Sea Foam, please.
by RadAudit
Sat Jun 10, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Noob Vanguard funds question..
Replies: 11
Views: 905

Re: Noob Vanguard funds question..

Welcome to the forum. It is difficult to give you a good opinion on where to invest the extra cash with the information provided. You'll get better answers if you post the question using this format. https://www.bogleheads.org/forum/viewtopic.php?t=6212 Here's a thread on bitcoin https://www.boglehe...
by RadAudit
Thu Jun 08, 2017 7:33 am
Forum: Investing - Theory, News & General
Topic: Bogle at his simple best
Replies: 12
Views: 1852

Re: Bogle at his simple best

So what should you tell friends who have had success investing in individual stocks? I mean someone bought Apple, Amazon and Google and have held them al these years? You tell them you are very happy for them. ... Isn't this advice true of virtually everything in life that only a few people are tru...
by RadAudit
Wed Jun 07, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle at his simple best
Replies: 12
Views: 1852

Re: Bogle at his simple best

So what should you tell friends who have had success investing in individual stocks? I mean someone bought Apple, Amazon and Google and have held them al these years? You tell them you are very happy for them. Then you might ask them what are they going to do for an encore? What's the next 10 bagge...
by RadAudit
Tue Jun 06, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake
Replies: 139
Views: 6800

Re: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake

Looks as if I'm in trouble - according to the study. I evaluate the portfolio monthly and rebalance annually. :oops: Looks like the study suggests one would be better off to choose a target date fund, keep putting money in to it, and never look at it. Especially if you have a high aversion to loss. ...
by RadAudit
Tue Jun 06, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle Values the Market, 1928-2016
Replies: 29
Views: 2499

Re: Mr. Bogle Values the Market, 1928-2016

Ah, the Gordon Equation!! Delightful little piece of information. See Bernstein's Four Pillars ...

If only I could remember to use it.
by RadAudit
Mon Jun 05, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5770

Re: Favorite Thriller Authors and Why

Tom Clancy - The Jack Ryan (and Jr.) series. Of course, Tom went on to other things; but, others have picked up the story line. And, the kids like to send me the new installments for Fathers' Day and Christmas. Easy present.
by RadAudit
Mon Jun 05, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Paying Off HELOC - Close Credit Line?
Replies: 9
Views: 828

Re: Paying Off HELOC - Close Credit Line?

Probably not worth it in your case.

But, with the new regs on HELOCs after the problems of 2007 - 2008 and the demise of the liar loans, it is a hassle to apply for a new loan if you need one.
by RadAudit
Sun Jun 04, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: BBC: Fifty Things That Made the Modern Economy
Replies: 3
Views: 754

Re: BBC: Fifty Things That Made the Modern Economy

tadamsmar wrote:This article by Bogle covers the same territory:


Thanks for the link.
by RadAudit
Sat Jun 03, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Making sure Mom has strategy for retirement
Replies: 14
Views: 1454

Re: Making sure Mom has strategy for retirement

Doubt if I can help. But, here are a few observations. As you know, anything in the IRAs can be sold without cap gains taxes. In all probability, the current portfolio is under-diversified. I think Morningstar has something like Portfolio X-ray (?) that could answer the question of how diversified t...
by RadAudit
Sat Jun 03, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Does someone 60+ need more than 10 years expenses in FI?
Replies: 39
Views: 3855

Re: Does someone 60+ need more than 10 years expenses in FI?

For someone 60 or over, is there really any realistic reason/need to have more than 10 years of expenses in quality Fixed Income Assets OK. I'm 70. I have a little less than 20 years in Total Bonds, Total Intermediate Bonds, and Total International Bonds. I don't know if why I have this much is rea...
by RadAudit
Fri Jun 02, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Mutual fund questions
Replies: 10
Views: 359

Re: Mutual fund questions

Welcome to the forum. ... a ... question but are mutual funds and index funds the same? No. While most (all I know about) index funds are mutual funds, not all (maybe less than 1/4 [guess]) mutual funds are index funds. I would like to learn as much as possible and I am a complete beginner. Start he...
by RadAudit
Thu Jun 01, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 4243

Re: Bogle: Even indexing can be too much of a good thing

You may want to wait before breaking out the salad forks. The article says Mr. Bogle guesses that at least 75% of the market has to be owned by indexers before it gets dangerous. I think we have a way to go.
by RadAudit
Thu Jun 01, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: New here, selling my businesses, need advice.
Replies: 9
Views: 1066

Re: New here, selling my businesses, need advice.

Welcome to the forum. I know how to generate income but investing is very new and unknown to me. OK. I don't know how unknown investing is to you. So, providing specific advice is difficult with the info presented. But, start here. https://www.bogleheads.org/wiki/Getting_started Watch the videos. Re...
by RadAudit
Wed May 31, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market vs. Mutual Funds
Replies: 22
Views: 1574

Re: Stock Market vs. Mutual Funds

Well, free advice is worth .... What is the significant difference between investing them into the Vanguard mutual funds including stocks and purchasing Apple etc. stock shares? The chief difference is diversification. Using the VG Total Stock Market your investment is spread over 3500+ stocks. Unle...
by RadAudit
Wed May 31, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: "Four Timeless Lessons" by Mark Hulbert
Replies: 8
Views: 2365

Re: "Four Timeless Lessons" by Mark Hulbert

For those having trouble with the three fund link above, I think I've got it at viewtopic.php?t=88005
by RadAudit
Wed May 31, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5811

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

One thing I thought I might do is bring our kids into the the loop sooner rather than later, perhaps reviewing things with them on some periodic basis and running any major changes by them. That's an approach I've begun using. Now if the kids would get interested, that would help even more. Another...
by RadAudit
Wed May 31, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: About to retire
Replies: 11
Views: 1734

Re: About to retire

As I understand it, that's the basic approach for some. There are numerous variations on that theme for others on the forum.
by RadAudit
Tue May 30, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Diversifying Beyond Stocks
Replies: 16
Views: 1150

Re: Diversifying Beyond Stocks

37 and no bonds?
by RadAudit
Mon May 29, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 5631

Re: Retiring in southern college town

I've lived in the south most of my life and never until this thread heard of DE or even VA being referred to as southern! I remember my first week in grad school in VA some 45+ years ago. One of my classmates said something that has stuck with me all these years. "The first time I came North w...
by RadAudit
Mon May 29, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 5631

Re: Retiring in southern college town

Slinky wrote:our only real concern would be assimilating into a community of born and bred southerners.


Piece of cake. (1) Just don't tell us that we don't know how to drive in the snow or (2) wonder out loud why we close the schools with only 3" of snow on the ground.
by RadAudit
Sun May 28, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones at 64
Replies: 13
Views: 2081

Re: Leaving Edward Jones at 64

I've read a lot about Vanguard's Three-Fund Portfolio through posts on this forum and am thinking of going that route just to get my money moved. But my question is at my age will that be the best thing to do? Once you get the funds to VG, a three fund portfolio may not be the best; but, it'll be b...
by RadAudit
Sun May 28, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal questions
Replies: 10
Views: 1296

Re: Withdrawal questions

Welcome to the forum. I've vacillated between 70/30 and 60/40; thoughts on a prudent stock/bond ratio? Oh, brother!! Does this forum have thoughts on a prudent stock / bond ratio!! Look here for starters if you like to jump in the pool at the deep end. https://www.bogleheads.org/forum/viewtopic.php?...
by RadAudit
Sat May 27, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: History: Tulip Fever
Replies: 13
Views: 1998

Re: History: Tulip Fever

NiceUnparticularMan wrote:there is some research suggesting the tulip craze was not actually as crazy as the story is usually told.


Even if the story about the "onion" isn't true, it's a heck of a good tale.
by RadAudit
Sat May 27, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust: What happens when I remarry?
Replies: 2
Views: 504

Re: Living Trust: What happens when I remarry?

Gill wrote:Speak with your divorce attorney. None of us can answer your question without more information.


+1

And your trust attorney.
by RadAudit
Sat May 27, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Is it investor behavior that dooms Active Mutual Funds?
Replies: 28
Views: 1526

Re: Is it investor behavior that dooms Active Investing?

So the question I ask is as more and more people make the smart decision to convert to passive index investing will this same human behavior migrate to passive investing with the same effects? Probably same behavior but to a lesser extent. But, I'm an optimist. There's only one way to know for sure...
by RadAudit
Thu May 25, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11029

Re: A gem Livesoft uncovered

ImaBeginner wrote:Same site has chart with final value =initial value.
It is probably the best discussion of withdrawal rates I have seen yet.
https://earlyretirementnowdotcom.files. ... .png?w=809


Thanks for the link.
by RadAudit
Wed May 24, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11029

Re: A Gem from Livesoft

... I am gathering information on actual spending needs, ... and so on, and then maybe switch to just a simple balanced fund approach at some point once I am confident that will be good enough. That seems to be the part of your path I'm on right now. The part that has me concerned is when switching...
by RadAudit
Mon May 22, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11029

Re: A Gem from Livesoft

Thanks for the chart and the link.

Ought to be required reading because it is a good place to start.

I'm hourly expecting something of a extraordinary nature to turn up - the beginning of arguments over the projected real returns and their impact on the chart.
by RadAudit
Sun May 21, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Advice for Endowment Investing Allocation - 3 fund?
Replies: 10
Views: 714

Re: Advice for Endowment Investing Allocation - 3 fund?

Hopefully, your biggest problem won't be a withdrawal rate that is greater than your portfolio return. From a sample size of one, I've watched what happened to a church and it's portfolio where outgo exceeded income. Folks came to rely on the portfolio to make up for a shortfall in contributions. I ...
by RadAudit
Sun May 21, 2017 6:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1361

Re: Vanguard makes an impact in the England market

Valuethinker wrote:There is no Vanguard operating in "England" from a Financial Services regulatory point of view. VG is operating in the UK, or colloquially, in Britain.


Thanks for the correction. Interesting to know.
by RadAudit
Sun May 21, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 16847

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

Quick estimate. Made it. Took 46 years after graduation.

Wishing you better and quicker success.
by RadAudit
Sat May 20, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1361

Re: Vanguard makes an impact in the England market

Nice post. Good to see Vanguard is entering the market in England. The "Vanguard effect" on prices should help the British investor, eventually. And, it might help the forum to provide better opinions on how to invest - if we get requests from over there - at least we'll know some of the f...
by RadAudit
Fri May 19, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: I am a huge believer in Passive Indexing.. but.....
Replies: 42
Views: 3337

Re: I am a huge believer in Passive Indexing.. but.....

I was working for a boutique consulting firm - and I just bought shares in companies who became our customers. What's the success rate of your consulting firm, again? Are you still with them? If you are not with the firm, you have access to the same info everyone else does. In that case, luck begin...

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