Search found 893 matches

by Sbashore
Mon Jul 25, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: The Fortitude Required of a Buy-and-Hold Equity Investor
Replies: 37
Views: 2001

Re: The Fortitude Required of a Buy-and-Hold Equity Investor

This is the first time I've seen a chart that illustrates very well my experience in the stock market since I retired in 2005 and my perception that going forward, no one really knows what will happen. We can hope though. :happy
by Sbashore
Tue Jul 19, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Feeling discouraged
Replies: 60
Views: 5830

Re: Feeling discouraged

One of the virtues of the successful investor that is rewarded is patience. I remember coming out of the manic market of the 90's. It was hard to sit things out. But if you are successful you will be ultimately rewarded. Not a bad thing to keep in mind.
by Sbashore
Sat Jul 02, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6484

Re: Living off dividends/interest in retiremeht

I'm retired and use total return. It's just the simplest way to do it. If you have an asset allocation that works for you, and your projected return is more than the 2.5% you need why worry? Another possibility is that if you try to structure your portfolio for sufficient dividends to meet your dist...
by Sbashore
Thu Jun 30, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Refinancing Home to buy Stocks. Confusion
Replies: 62
Views: 4019

Re: Refinancing Home to buy Stocks. Confusion

saltycaper wrote:Leverage plus a huge market timing move? This may not end well.


+1. Been there, done that. Only by virtue of luck did I not lose more than I did.
by Sbashore
Mon Jun 27, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Solar bonds
Replies: 11
Views: 920

Re: Solar bonds

Looks like a junk bond to me. Solar in general and Solar City in particular is an area I personally will avoid as an investor until something major changes in the industry.
by Sbashore
Sun Jun 26, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11446

Re: What did you learn from the post-Brexit bloodbath?

Bloodbath? My portfolio is still in the black for the year. Non-event to me.
by Sbashore
Mon Jun 13, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: The Most and Least Expensive Cars to Maintain
Replies: 40
Views: 4221

Re: The Most and Least Expensive Cars to Maintain

Seems reasonable to me since I'm a Toyota fan and owner.
by Sbashore
Wed Jun 08, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 83
Views: 5514

Re: Why should FEHB members buy Medicare Part B?

I opted to change to GEHA plus Medicare B. My overall premiums are quite reasonable for a situation with no deductibles and no co-pays. I've minimized the risk of health care costs in retirement to the point where they are not a factor for me.
by Sbashore
Wed Jun 08, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: Don't let your political views impact your investment strategy
Replies: 18
Views: 1643

Re: Don't let your political views impact your investment strategy

Thanks Larry. Good advice. While I may not like the economic policies of one party, and the resultant performance of my portfolio (at least in my unsubstantiated opinion) I've been able to stay the course. It has worked.
by Sbashore
Tue Jun 07, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Any preference between emerging mkts etf and adminal?
Replies: 3
Views: 193

Re: Any preference between emerging mkts etf and adminal?

livesoft wrote:You would be able to buy VWO at a steep discount during a flash crash. You couldn't do that with the mutual fund.


Or if you forgot to place a limit on a sell order during a flash crash you could get slaughtered. You couldn't do that with a mutual fund. :D
by Sbashore
Tue Jun 07, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: At what point do we market time?
Replies: 87
Views: 5900

Re: At what point do we market time?

For me there is no point where I will time the market. My IPS takes into account the scenario you outlined and my spreadsheet, which implements my IPS will tell me exactly what to do after I fill in my account balances. It's all about maintaining my chosen risk level.
by Sbashore
Thu Jun 02, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4165

Re: When do YOU rebalance?

livesoft wrote:I think something is wrong with a rebalancing algorithm that does not trigger any rebalancing if equities drop 20%.


How could you know that without reading my IPS? Maybe wrong for you. Not me.
by Sbashore
Thu Jun 02, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4165

Re: When do YOU rebalance?

I went and did a simulation using my spreadsheet. It implements my IPS. A 20% drop would have me doing minor rebalancing among my equity classes, but no action to add to my overall equity position. That is what I would do.
by Sbashore
Tue May 31, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: How persnickety are you with your rebalance bands?
Replies: 39
Views: 2752

Re: How persnickety are you with your rebalance bands?

My bands are 5% overall equity/fixed and 20% for individual asset classes. When I breach those limits I usually take action. Sometimes I'll just buy or sell enough to get back into the band, not necessarily to the target. I did that in 2008-09. These days I don't get many signals to do anything. Som...
by Sbashore
Sat May 28, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 26
Views: 1499

Re: Reading advice

Your Money & Your Brain by Jason Zweig. I found that understanding the behavioral reasons behind some of my thoughts was a great tool in saving me from myself.
by Sbashore
Wed May 18, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Is anyone here currently getting an annuity payout?
Replies: 19
Views: 2290

Re: Is anyone here currently getting an annuity payout?

I have a small survivors annuity that is currently being serviced by Met Life. It was originally Principal. Never had any problem with it in almost 16 years. Payments always credited on time.
by Sbashore
Wed May 18, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell?
Replies: 87
Views: 4894

Re: When to sell?

My value just didn't rise the way it was invested. It yo yo'd for 3 years between 43 and 45. just as it got up to 45k it would plummet down again so that is why I became frustrated and wanted the switch. Educate yourself. Make a plan you can believe in. Then stop looking. From what you're saying, l...
by Sbashore
Wed May 18, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: When to sell?
Replies: 87
Views: 4894

Re: When to sell?

Welcome to the forum. Sounds like you need a plan. Start here....https://www.bogleheads.org/wiki/Getting_started
by Sbashore
Fri May 13, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Fixing Past Investment Blunder
Replies: 11
Views: 1035

Re: Fixing Past Investment Blunder

What you are describing is a behavioral pitfall known as anchoring. Read about it in the Wiki. My advice is to move on. My preference would be a Total Stock Market Index Fund.

https://www.bogleheads.org/wiki/Behavioral_pitfalls
by Sbashore
Thu May 12, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: I need help choosing funds for my 401k through ADP
Replies: 7
Views: 736

Re: I need help choosing funds for my 401k through ADP

I think an IRA at Vanguard is a great idea. Down the road you could maybe use some of that IRA space to get some international or less expensive bond exposure. The advice Ruralavalon gave you for now is good.
by Sbashore
Sat May 07, 2016 5:53 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4073

Re: Retirees: Who's not changing their AA, ever?

Actually I thought the main message of Bogleheads was that there really is basically one simple way to manage a portfolio and use it for income and deviations from it always prove to be detrimental in the longer term. Perhaps you could explain "one simple way" and "deviations from it...
by Sbashore
Sat May 07, 2016 11:41 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4073

Re: Retirees: Who's not changing their AA, ever?

Since Firecalc/Trinity Study assumptions use a constant asset allocation rate regardless of age, shouldn't that be the correct way to handle a retirement portfolio used for income? Wouldn't an age-related glidepath approach used by target funds interfere with things and possibly invalidate the find...
by Sbashore
Sat May 07, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Please help with bond/fixed income side of portfolio
Replies: 14
Views: 1630

Re: Please help with bond/fixed income side of portfolio

I'd vote for the Total Bond Index, which is what I do. It helps keep things simple. I don't dwell on bond returns since that's not the primary reason I hold them. Thanks for your reply. I'm curious to know how you view the role of bonds in your portfolio. Anything beyond a buffer during volatility?...
by Sbashore
Fri May 06, 2016 4:59 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4073

Re: Retirees: Who's not changing their AA, ever?

I'm 50/50 and plan to stay there. I like the simplicity and balance No problem with 50/50 especially with the balance it provides. I do get a bit of a chuckle about the simplicity of round numbers. I often feel the same. But isn't like 49/51 would be much more complex. :happy Perhaps I should be mo...
by Sbashore
Fri May 06, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: How does Market Analysis affect your investment?
Replies: 9
Views: 750

Re: How does Market Analysis affect your investment?

Since my personal experience of Market Analysis has shown a dismal track record for providing actionable information I do not use it in my investment decisions.
by Sbashore
Fri May 06, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2298

Re: Indexed annuities

These annuities appear to be mostly a scam presented to aging retirees using fear factor techniques but I would love to hear from anyone who disagrees and can present a good case for owning them. I think that about sums it up. +1. I am constantly amazed that the deception that goes into selling the...
by Sbashore
Fri May 06, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4073

Re: Retirees: Who's not changing their AA, ever?

Retired approximately 11 years. Age 68. I'm 50/50 and plan to stay there. I like the simplicity and balance. I have pension and SS income sufficient to cover my basic expenses. Pension and of course SS are indexed to inflation.
by Sbashore
Fri May 06, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Please help with bond/fixed income side of portfolio
Replies: 14
Views: 1630

Re: Please help with bond/fixed income side of portfolio

I'd vote for the Total Bond Index, which is what I do. It helps keep things simple. I don't dwell on bond returns since that's not the primary reason I hold them.
by Sbashore
Thu May 05, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 60
Views: 4711

Re: Investment Fee's [too high?]

I can't thank you all enough for your advice and support and I hope I can help someone else some day in the future also! Well...I did meet with Chuck and have a check for non IRA investment coming my way. Told him to expect a withdraw of the IRA investment in the next few weeks. BTW he said I was p...
by Sbashore
Sat Apr 30, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Investment Fee's [too high?]
Replies: 60
Views: 4711

Re: Investment Fee's [too high?]

Thank You all for the replies and advice. I will be doing some suggested reading for the next few days and have an appointment next week with my soon to be former advisor! Kim Don't bother. Select a new custodian (lots of folks here use Vanguard, but Fidelity or Schwab can work too) and give them a...
by Sbashore
Fri Apr 29, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 65711

Re: High Earners - What's Your Profession?

IT Specialist - Software Engineer. Now retired.
by Sbashore
Thu Apr 28, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: A/C outside unit suggestions
Replies: 9
Views: 875

Re: A/C outside unit suggestions

My best experience with longevity of a AC system is Lennox. Lived in Northern Utah for 14 years, it was in the house when I moved in and still working with minimal maintenance when I moved out 14 years later.
by Sbashore
Tue Apr 26, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 4209

Re: Selling a house with solar panels

I just sold a house last year in the desert southwest with a solar system. They're very popular here. Research showed that on average wholly owned solar panels added a little value, something less than 10%. Leased solar panels actually reduced the property value. This was a study of our local market.
by Sbashore
Sat Apr 23, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 23
Views: 2364

Re: How do you avoid bad market timing for lump sum investments?

I have it written into my IPS. Invest new money as soon as available.
by Sbashore
Fri Apr 22, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: "The Index Card"
Replies: 19
Views: 3097

Re: "The Index Card"

Thanks for the link Taylor. I read with amusement his reference to Louis Rukeyser and him being a villain. It was on his show that I first saw Jack Bogle. I still remember that interview to this day.
by Sbashore
Fri Apr 22, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Why did Vanguard Reit go down
Replies: 9
Views: 1734

Re: Why did Vanguard Reit go down

I have held it for many years. It's volatile. It reacts to many different factors. Industry news, interest rate expectations, etc. It's up quite a bit lately, so a four percent drop is not surprising.
by Sbashore
Tue Apr 19, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgage - To pay off existing mortgage?
Replies: 6
Views: 800

Re: Reverse Mortgage - To pay off existing mortgage?

I haven't done this, but I've looked at it quite seriously over time. Conclusion was to not go for it. What did it for us is that the costs are very high and are applied against the house. You're paying insurance for the lender in case the real estate doesn't ultimately cover what's owed and also pr...
by Sbashore
Sun Apr 17, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Quick Question - To Time or Not to Time
Replies: 14
Views: 1414

Re: Quick Question - To Time or Not to Time

I'm not being facetious; this is exactly what you need to do in order to wait out an investment successfully. 1. Determine which investment you want to make (stock, fund, real estate, etc). 2. Prepare a future price history of the investment with sufficient accuracy. 3. Select the most appropriate ...
by Sbashore
Fri Apr 15, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Refining a portfolio - should I simplify?
Replies: 12
Views: 1376

Re: Refining a portfolio - should I simplify?

I took a look at it and it posted some completely unrealistic returns for Vanguard Total Stock Market etf. The fact that they were willing to forecast returns and volatility for both the long term and short term, without defining anything, is a red flag for me. They're claiming to know things they c...
by Sbashore
Thu Apr 07, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: I can retire right??
Replies: 14
Views: 2118

Re: I can retire right??

Sounds like you'll be fine. I know it's common to be hesitant to "pull the plug". I know I planned and planned for years and it still was a pleasant surprise after I retired to see things working out ok. It's good advice to give a lot of thought to what you'll do with your time. That's an ...
by Sbashore
Sat Apr 02, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Mutual Funds to Pay Off Mortgage
Replies: 16
Views: 1186

Re: Selling Mutual Funds to Pay Off Mortgage?

Bogleheads: Being debt-free is great, but I know retirees who wish they did not have their money tied-up in home equity. Best wishes. Taylor Good point Taylor. I am a retiree with a significant (for me) mortgage. I won't pay it off for all the reasons you listed previously. For me, being able to pa...
by Sbashore
Sun Mar 27, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: does solar increase the value of a house
Replies: 15
Views: 1401

Re: does solar increase the value of a house

I just sold a house with solar in the Phoenix, AZ area. My Realtor did some research and provided documentation that indicated that an owned solar system in this market added on average 5-10% to the home's value over one without solar. A home with a leased solar system reduced it's value by about 6%.
by Sbashore
Thu Mar 17, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: Is the market sentiment always in "bubble mode"?
Replies: 12
Views: 893

Re: Is the market sentiment always in "bubble mode"?

I seem to remember in March of 2009 (edit) when I certainly didn't think the market was in a bubble.
by Sbashore
Thu Mar 10, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Are we in a bubble?
Replies: 38
Views: 5413

Re: Are we in a bubble?

Well, to begin with, I think that measuring everything from the bottom at March 2009 makes things look more bullish than I think they are. My personal feelings are that 2009 to 2016 only looks so great because we're measuring from the bottom of a well. 2009 to 2012 was just getting back to even. As...
by Sbashore
Thu Mar 10, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Passive Indexing: What could go wrong?
Replies: 25
Views: 3466

Re: Passive Indexing: What could go wrong?

Yeah, goldman-sachs traders are going to ignore any mispricings that develop from any market inefficiencies because their friends and neighbors told them that index funds are the place to be. People will do leap frogs to arbitrage mispricings back to fair value, keeping the market efficient. I figu...
by Sbashore
Thu Mar 10, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: For those with access to TSP bonds (G/F), do you use Vanguard bonds?
Replies: 8
Views: 784

Re: For those with access to TSP bonds (G/F), do you use Vanguard bonds?

I agree with taschda's comments. To answer your question, I hold most (80%) of my TSP in the G fund. That's how it works out for the L Income Fund which is what I hold. I also hold Vanguard Total Bond Fund in my Vanguard IRA since my TSP is not large enough to give me all the exposure to bonds I wan...
by Sbashore
Sun Mar 06, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Effective Tax Rate
Replies: 16
Views: 1993

Re: Effective Tax Rate

A lot of our income is not taxed. I think that is the way it is with most people. I prefer to look at the Adjusted Livesoft Income and its effective tax rate: https://www.bogleheads.org/forum/viewtopic.php?t=163748 Our effective ALI tax rate is under 5% as it should be. I'll add a bonus question: D...
by Sbashore
Sat Feb 27, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to retire early, need help developing a strategy
Replies: 10
Views: 1882

Re: Wanting to retire early, need help developing a strategy

I would save and invest as aggressively as I could in Vanguard Balanced Index Fund. :happy I would also save and invest as aggressively as possible in the TSP. I'm former military and retired DoD and my TSP has proven to be quite valuable to me. At this point in time I'd reconsider your plan to onl...
by Sbashore
Thu Feb 18, 2016 4:05 pm
Forum: Investing - Theory, News & General
Topic: "These Bond Funds Have Provided Effective Ballast"
Replies: 2
Views: 1046

Re: "These Bond Funds Have Provided Effective Ballast"

Thank you Taylor. I have two bond funds in my portfolio. TSP 'G' Fund and Vanguard Total Bond Market Admiral. Absolutely no regrets here.
by Sbashore
Fri Feb 12, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 3087

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

My AA is 50/50. My re-balance band is 5% overall. Currently I'm at 48.13 Equity, 51.87 Fixed. As of yesterday's close.

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