Search found 841 matches

by Sbashore
Mon Feb 08, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 49
Views: 3546

Re: No guts to buy today!

it certainly was not a dumb question and I never intended to imply that. My only point is that investing is not a mechanical operation. mpt follower, Why not? The whole point of having an IPS is to take emotion out of those kind of decision. KlangFool At this point in my life (retired) it is pretty...
by Sbashore
Mon Feb 08, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 49
Views: 3546

Re: No guts to buy today!

As of Friday I was down 3.99% and my equity/fixed ratio was off by 1%. So it will be a while until I have to do anything. In my experience following my plan has always turned out to be more profitable than trying to "judge" where the market is at any point in time. I'll take humble arithme...
by Sbashore
Sat Feb 06, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: What is your average return?
Replies: 17
Views: 1820

Re: What is your average return?

My median return since I retired in 2005 has been a little over 8% nominal. AA during that time was 70/30 stock/fixed gliding to a present day 50/50.
by Sbashore
Sat Feb 06, 2016 12:02 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 59
Views: 6409

Re: The Gravy Train Departed?

Learn the difference between the speculative component and the investment component of the markets. Realize that at any given time there will be the siren song coming from somewhere to entice you onto the rocks. I remember my Grandfather telling me stories of the crash of '29 and how he inherited a ...
by Sbashore
Sat Feb 06, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: TSP asset allocation
Replies: 7
Views: 635

Re: TSP asset allocation

Why don't you look at the Lifecycle Funds ? Set it and forget it, plus it's a great bargain. Pick a fund that is as aggressive as you want without regard to actual retirement date.
by Sbashore
Thu Feb 04, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 799

Re: Suggested AA for Retirees

CoAndy wrote:Without knowing more, I would throw out 50-40-10 stocks, bonds, cash.


I have SS and Pension sufficient to meet basic expenses. I am budgeted to allow myself a 5% withdrawal (nominal) from my portfolio but rarely reach that percentage. My allocation is 50/42/8 stocks, bonds, cash.
by Sbashore
Thu Feb 04, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5213

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

My expenses are covered 100% by SS and pensions. Larger discretionary expenses come from my portfolio.
by Sbashore
Wed Feb 03, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6389

Re: What age did you retire

I retired at 57. It was when I was eligible. No regrets either way.
by Sbashore
Sat Jan 30, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 4064

Re: Who else is holding in cash?

I'm holding cash at my target percentage within my tolerance bands. I just did my calculations for January and my portfolio is down less than 3%. This is a non-event to me. My IPS says to invest new money completely when I receive it. That's what I do. It works nicely for me. I don't have to guess w...
by Sbashore
Fri Jan 29, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: What's this "magical 5% return" always being referred to?
Replies: 18
Views: 1493

Re: What's this "magical 5% return" always being referred to?

I've been retired for ten years and hold 50/50. There is no standard formula it varies by individual situation. I can withdraw up to 5% nominal according to my budget and it works fine for me.
by Sbashore
Tue Jan 26, 2016 12:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3686

Re: Happy Birthday Taylor!

Happy Birthday Taylor! I wish you all the best.
by Sbashore
Thu Jan 21, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: Why are REITs not providing any benefit in this market?
Replies: 45
Views: 4906

Re: Why are REITs not providing any benefit in this market?

I have 5% REIT in my IRA, not sure what to do. Bought at the peak. :( I know what I'm going to do with my 5% REIT. I'm going to hold it at 5%. Did I buy it at a peak? Have no idea. I've held it for so long, probably not, but what does it matter? It does what I want it to. It does not behave exactly...
by Sbashore
Thu Jan 21, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: How to face worry?
Replies: 9
Views: 937

Re: How to face worry?

Based on my experience what caused me to worry, get fearful, etc. was not understanding what was happening. Once I understood what could happen and what was happening, it went a long way towards enabling me to breathe easier. I like to think of the experience that most people have felt. Remember the...
by Sbashore
Wed Jan 20, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 6995

Re: Capitulation!

Seems like you pulled the trigger a little prematurely. The crescendo kind of faded. :happy
by Sbashore
Wed Jan 20, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 6291

Re: I have no more money to invest

FillorKill wrote:
InvestorNewb wrote:One idea I had was selling my car, but then I would have to bus everywhere.

Sounds reasonable. It may be inconvenient on a practical level but you'd be a legend in the forum. Go for it.


This is both very funny and true. :D
by Sbashore
Sun Jan 17, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: What is your action plan?
Replies: 43
Views: 2468

Re: What is your action plan?

My action plan is to take no action, which is sticking to my plan. My plan has me rebalancing if equities/fixed get more than 5% away from my target allocation. As of Friday, that difference is just about 1%. Excel says to do nothing, that's what I do.
by Sbashore
Sat Jan 16, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2124

Re: Ignore the noise

I think things are interesting right now. Nothing more. As far as my portfolio, it's a non-event, I'm down less than 5% year to date. Nothing to do, no re-balance signals flashing in my Excel Spreadsheet.
by Sbashore
Fri Jan 15, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: How view non-invested funds when doing strategic allocation?
Replies: 7
Views: 271

Re: How view non-invested funds when doing strategic allocation?

I consider all my available funds as part of my portfolio and apply my AA to that. It works for me since I'm retired, don't really need a separate emergency fund. Incidentally I'm 50/50.
by Sbashore
Fri Jan 15, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: My list of sure things for 2016
Replies: 8
Views: 1063

Re: My list of sure things for 2016

Thanks Larry. I like your 'sure things' columns too. Helps me keep perspective.
by Sbashore
Tue Jan 12, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 6261

Re: What would you tell your 25 yr old self?

Buy Yahoo as soon as it appears on the exchanges. Keep buying it with every available dollar. Borrow money to buy Yahoo. Sell Yahoo when it hits 299.00 per share.
by Sbashore
Sun Jan 10, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor wants to convert TSP to ?
Replies: 57
Views: 4042

Re: Advisor wants to convert TSP to ?

livesoft wrote:What next meeting? There should be no next meeting.


Well said. My thought exactly. Anyone who tries to talk me out of my TSP and sell me an insurance product has me sprinting for the exit.
by Sbashore
Sat Jan 09, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3027

Re: Does the market being down limit downside risk?

........ What I am actually trying to do is come up with a way of calculating if I buy $10,000 of VTI today with new money, worst case I have $5,000 or whatever the number should be and my dividends. For me personally cracking that nut would go a long way into determining how I invest new funds at ...
by Sbashore
Sat Jan 09, 2016 12:08 pm
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3027

Re: Does the market being down limit downside risk?

In 1929 the stock market declined 79%. That means that after it dropped 50%, it dropped another 50%, and then it dropped another 14%. Then it recovered... and then in 1937 it dropped 50%... again! ........ What I am actually trying to do is come up with a way of calculating if I buy $10,000 of VTI ...
by Sbashore
Sat Jan 09, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3027

Re: Does the market being down limit downside risk?

In 1929 the stock market declined 79%. That means that after it dropped 50%, it dropped another 50%, and then it dropped another 14%. Then it recovered... and then in 1937 it dropped 50%... again! ........ What I am actually trying to do is come up with a way of calculating if I buy $10,000 of VTI ...
by Sbashore
Sat Jan 09, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: Does the market being down limit downside risk?
Replies: 56
Views: 3027

Re: Does the market being down limit downside risk?

I think when the market goes down the downside risk reduces, but by an unknowable amount. It's risk after all. I look at things in terms of probabilities. When I consider a possible 50% decline in my equity holdings, I consider the possibility and probability of that decline but do not consider it a...
by Sbashore
Sat Jan 09, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: 2000-2005 Retirees please share your wisdom
Replies: 8
Views: 1230

Re: 2000-2005 Retirees please share your wisdom

I retired in Oct. 2005. I think everyone's situation is different. I had income sufficient to cover my basic needs. I glided (sort of) from a 70/30 AA to a 50/50 AA by 2009. I am still at a 50/50 AA. Since then there have been a lot of major life events, but I've maintained spending discipline and s...
by Sbashore
Fri Jan 08, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: DIY or Annuity? What should I choose for retirement income?
Replies: 13
Views: 1108

Re: DIY or Annuity? What should I choose for retirement income?

All, I'd really appreciate your opinion on this. I've not spent much time researching anuities sicne I always thought that they are for people who are not DIY types. My reasoning was: I have two skills that an annuity buyer may not have: (a) I am good at Excel & can create models/scenarios and ...
by Sbashore
Fri Nov 06, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Please explain how are stocks and bonds down the same days??
Replies: 28
Views: 1987

Re: Please explain how are stocks and bonds down the same days??

I think if you follow the ups and downs from day to day you'll see that the bond holdings are much less volatile, on average, than the stocks. That's my experience anyway. That indicates to me a difference in correlation. Sometimes things move in the same direction sometimes different directions. Th...
by Sbashore
Tue Nov 03, 2015 12:57 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2015)
Replies: 9
Views: 940

Re: madsinger monthly report (October 2015)

Thanks Brad. I look at these every month too but rarely post. Your hard work makes it easy for me to get a sense of how I'm doing in relation to other similar portfolios.

Thanks again.

Steve
by Sbashore
Sun Oct 18, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Retirees doing 50/50
Replies: 35
Views: 4669

Re: Retirees doing 50/50

I retired in 2005. At the time my allocation was 70/30. I was on a glide path to hit 50/50 by age 65. I'm now there and plan to stay there.
by Sbashore
Sun Oct 18, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: 2008 Market Crash, Did You See It As Opportunity?
Replies: 60
Views: 4240

Re: 2008 Market Crash, Did You See It As Opportunity?

I was in early retirement and it was scary. Luckily I did not need my portfolio to meet my basic needs, so I stuck to my plan and even rebalanced into equities, although only into the bottom of my bands. Emotionally I'm not sure I saw it as an opportunity, but intellectually I did so I stayed the co...
by Sbashore
Thu Sep 24, 2015 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Merrill Lynch DTAQ strategy?
Replies: 14
Views: 1172

Re: Anyone have experience with Merrill Lynch DTAQ strategy?

cheese_breath wrote:Never heard of it, but the words "Merrill Lynch" are enough to make me skeptical.


+1

Personally I believe there is a much better way than trusting ML.
by Sbashore
Tue Sep 15, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: What would be the impact on stock market of eventual undoing of QE1, QE2 and QE3
Replies: 10
Views: 856

Re: What would be the impact on stock market of eventual undoing of QE1, QE2 and QE3

Impossible to know the impact on the stock market. This falls into the category of trying to predict the future. I'm not concerned about it, nor will I take any special precautions. My IPS already takes care of whatever will happen.
by Sbashore
Sun Sep 13, 2015 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Help understanding 5/25 Rebalancing
Replies: 2
Views: 249

Re: Help understanding 5/25 Rebalancing

Here's how I do it. Although I don't use 25% I use 20%. I apply 5% to my overall equity/bond allocation. So if my portfolio gets below 45 or above 55 I rebalance sub-asset classes to get back into the range. I then apply the larger percentage to each individual sub-asset class. In my case I use 20% ...
by Sbashore
Sat Sep 12, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple vs. Single Bond Fund
Replies: 7
Views: 723

Re: Multiple vs. Single Bond Fund

I'm retired. I use Total Bond.
by Sbashore
Tue Sep 08, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: Lump Sum Guide
Replies: 11
Views: 1458

Re: Lump Sum Guide

Good article Rick. Particularly timely for me since I'm closing on a real estate sale in a few weeks. I've been pondering this very question.

Thanks. :happy
by Sbashore
Tue Sep 08, 2015 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Who has created a wash sale? Was it good for you?
Replies: 7
Views: 853

Re: Who has created a wash sale? Was it good for you?

I created a wash sale a long time ago, during the dot come period. It worked out well for me since it was a sizable loss and provided me with a deduction using loss carry forward for years. Since I'm retired now the vast majority of my assets are tax advantaged so I don't worry about it.
by Sbashore
Sat Aug 29, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Logic Check - Purpose of bonds in MY portfolio
Replies: 13
Views: 2040

Re: Logic Check - Purpose of bonds in MY portfolio

I don't think your "cons" of bonds really fit the real purpose of bonds in a portfolio.

Just one question for you: Are you prepared to see your portfolio decline 50% in value and stay there for years?
by Sbashore
Fri Aug 28, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6735

Re: If stocks dropped 30% next Monday, would you rebalance?

livesoft wrote:A follow-on question to respond to (but please keep responding to the original questions, too):

If there was a 10% drop on Monday, 10% drop on Tuesday, and 10% drop on Wednesday, then would you rebalance from equities to bonds?


See my answer to the first question above. It applies here too.
by Sbashore
Fri Aug 28, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6735

Re: If stocks dropped 30% next Monday, would you rebalance?

I would follow my IPS. I rebalance according to bands, but can only rebalance a given equity asset class once in any calendar year. If things got that "interesting", I would just check my Excel Workbook which implements my IPS, and do what it tells me. I already made all the decisions when...
by Sbashore
Tue Aug 25, 2015 11:28 am
Forum: Investing - Theory, News & General
Topic: How do you diversify?
Replies: 24
Views: 2855

Re: How do you diversify?

I consider myself well diversified. My targets are essentially 30% Vanguard Total Stock Market, 15% Vanguard Total International, 5% Vanguard REIT, 45% Vanguard Total Bond Market and 5% Cash. In the interest of full disclosure I have some TSP holdings that I try to fit into the above categories. It'...
by Sbashore
Tue Aug 25, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Total Bond Acting Bond Like
Replies: 2
Views: 432

Re: Total Bond Acting Bond Like

Wouldn't say I'm upset, but was hoping for a bit more down draft. I'm settling on a real estate sale in the next 30 days and will have some cash to invest.
by Sbashore
Mon Aug 24, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Buy?
Replies: 1
Views: 326

Re: Time to Buy?

Nothing wrong with your idea. Get to your target AA as soon as possible and stay the course.
by Sbashore
Mon Aug 24, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Market timing for first entrance into the market
Replies: 3
Views: 402

Re: Market timing for first entrance into the market

My wife and I are going to be making our first entrance into the market soon. Likely investing in a Vanguard all in one fund to start. I know market timing is generally frowned upon, but is there any utility to waiting a bit before entering given the current market decline? Thanks. Utility to waiti...
by Sbashore
Sat Aug 22, 2015 11:15 am
Forum: Investing - Theory, News & General
Topic: Deciding allocation for new investments during a market correction or possibly a Bear market
Replies: 17
Views: 1053

Re: Deciding allocation for new investments during a market correction or possibly a Bear market

I agree with John3754. Predictions about future market movements should not be a factor in how you deploy funds. Stick with your AA Plan, no one knows what will happen on Monday or any day thereafter for that matter.
by Sbashore
Fri Aug 21, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2679
Views: 531361

Re: U.S. stocks in freefall

These "buying opportunities" some are getting so excited about are likely to amount to next to nothing 10 years from now. But hey, if it makes some feel better, I guess.... You don't have to get out in order to make money long-term in the market. Trying to beat the market by being out dur...
by Sbashore
Wed Aug 19, 2015 12:56 pm
Forum: Investing - Theory, News & General
Topic: tsp watchdog?
Replies: 10
Views: 1127

Re: tsp watchdog?

riptide wrote:Thanks all. I thought it was a little like timing. But, I often want to put all my TSP in the G fund now, because all the funds are going down now. I know I need to just leave it alone, but it kills to know it keeps going down..... :shock:


This is when you should stop looking. I have.
by Sbashore
Sun Aug 02, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Zerohedge
Replies: 13
Views: 1629

Re: Zerohedge

Checked it out. I wouldn't waste even my "entertainment" time on it.
by Sbashore
Sun Aug 02, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is Is Wise Not To Factor Social Security/Medicare Into Your Retirement Plans?
Replies: 20
Views: 1706

Re: Is Is Wise Not To Factor Social Security/Medicare Into You Retirement Plans?

I think you should make the best decision you can using current conditions. Trying to predict the future is fraught with pitfalls that could lead to a probable outcome worse than if you didn't try to predict the future.

Go to advanced search