Search found 104 matches

by Wild Willie
Thu Feb 04, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 15
Views: 1420

Re: Wellesley and Wellington instead of VTINX?

As usual, whenever I post here, I get so much good and informative advice that it makes my head spin. Thanks to all of you for the information and I will "stay the course" for now because I am scheduled for a 2/18 conference call with a CFP from VG which Flagship investors are entitled to ...
by Wild Willie
Thu Feb 04, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 15
Views: 1420

Wellesley and Wellington instead of VTINX?

As soon as my portfolio recovered from the 2008 debacle, I moved 100% of my portfolio (which is all tax deferred) from the 9 or 10 different funds I had at that time to a "set it and forget it" fund, i.e. the Target Retirement Income fund (VTINX) both for its low volatility and to allow me...
by Wild Willie
Sat Jan 09, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 2000-2005 Retirees please share your wisdom
Replies: 8
Views: 1228

Re: 2000-2005 Retirees please share your wisdom

I retired in 2005 and like many who have already posted, I have been able to maintain my style of living as it was when I was gainfully employed. I also spent down all my taxable accounts first and have everything in tax deferred so anytime I need $$, it is a taxable event. While I have some Roths, ...
by Wild Willie
Thu Jan 07, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13754

Re: Just watched "The Big Short". Clueless the investment banks

It's Hollywood insight. The individual mortgages were not AAA. Repackaging large blocks of sub-prime mortgages into tranches create pieces that were rated AAA. Also, it not investment bankers who do the rating. It's rating companies that are paid to rate. That's where the crime was committed. Final...
by Wild Willie
Sun Jan 03, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6334

Re: How did your retirement Portfolio do in 2015?

Up .375% on a 30/70 mix (VTINX for 95% of portfolio)
by Wild Willie
Sun Jan 03, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14442

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2016 (just like the year)
by Wild Willie
Sat Jan 02, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 110799

Re: What are you up YTD? [Year To Date]

As withdrawals are often taken throughout the year, this calculation could be improved by attributing half the withdrawals at the beginning and the other half at the end of the year, as suggested by William Bernstein in his awesome The Four Pillars of Investing classic (Taylor's gems). Here's the im...
by Wild Willie
Sat Jan 02, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 753
Views: 110799

Re: What are you up YTD? [Year To Date]

Up .375% on an IRA portfolio with 95% invested in Target Retirement Income fund (VTINX). On a related note, we have a group of 10 retired friends who all worked for and retired from the same company and annually, we compare results by computing our ROR using the following formula: We take our end of...
by Wild Willie
Fri Dec 04, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 1645

Re: Ford Edge or Nissan Murano or Something Else

Wife and I bought a 2011 Murano SL new. Not exactly disappointed with the car, but also not very happy. in fact, we're gonna trade it in after the 1st of the year on either a Toyota Highlander or a Honda Pilot. While it only has about 30K miles on it, it is starting to rattle a bit and we've had pro...
by Wild Willie
Fri Dec 04, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Boglehead Nightmare/Recovering Underaccumulator/Has this happened to you?
Replies: 15
Views: 2557

Re: Boglehead Nightmare/Recovering Underaccumulator/Has this happened to you?

Relax TNL, it's only a dream. I once dreamt that I was President of the United States. Now that''s scary. (not for me, for the rest of the country) :happy
by Wild Willie
Wed Nov 18, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Yeti cooler - Worth the money?
Replies: 29
Views: 3758

Re: Yeti cooler - Worth the money?

Saw this awhile back. Very informative and I think you'll be surprised which one "wins".
https://www.youtube.com/watch?v=6-TE4RnqT0U
by Wild Willie
Tue Oct 27, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Typical Retirement Day, 5 years later?
Replies: 20
Views: 3390

Re: Typical Retirement Day, 5 years latter?

Retired at 58 and it has been everything I thought it might be, but you can't just sit in a rocking chair. You need either a hobby or maybe some volunteer work. I fish and hunt so that takes up some of my leisure time. I like to read and play with my grandchildren, meet other retirees for lunch some...
by Wild Willie
Sun May 24, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: Viking river Cruise - Budapest to Nuremberg
Replies: 11
Views: 1847

Re: Viking river Cruise - Budapest to Nuremberg

Wife and I just got back from a river cruise on a competitive line, i.e. AMA Waterways that originated in Paris and went to Normandy area and back. Having been on several ocean cruises before, we found this cruise more to our liking because of the smaller dining, traveling and excursion groups. We f...
by Wild Willie
Sun Jan 18, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Free TurboTax for Flagship [Problem obtaining free download]
Replies: 16
Views: 2352

Re: Free TurboTax for Flagship [Problem obtaining free downl

[b][i][u]1) signed in to vanguard 2) went to the tax center and selected the TT icon "get started now and save" 3) selected "see products" under the download icon in the screen that popped up. 4) selected "buy now" under deluxe 5) selected my OS 6) selected no thanks to...
by Wild Willie
Sun Jan 18, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5726

Re: Vanguard and Turbo Tax

TurboTax is active and I've already downloaded the Premier version which costs $9.99 for Flagship clients. You're missing something on the Website. Gill I thought the VG website indicated that Flagship customers get the desktop downloaded version at no cost? It indicates that the online version cost...
by Wild Willie
Wed Jan 14, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7798

Re: Reporter doing story on Turbo Tax Fracas

I don't do interviews, so I'm not much help directly to the reporter. I've used Turbo Tax for a number of years, and been increasingly annoyed with their upsell and hidden costs (like added cost to efile state). I normally used "Deluxe", but I was pretty annoyed last year when "Premi...
by Wild Willie
Sun Dec 28, 2014 10:34 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 2071

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

M* says VTINX lost 19.36% in 2008-2009. Weekly Drawdown =($9776/$12124)-1= -19.36% According to VG, VTINX gained 8.17% in '07, lost 10.93% in '08 and gained 14.28% in '09. Weekly peak to trough max drawdown (the amount you actually lost, not restricted to arbitrary time frames, like yearly) Daily m...
by Wild Willie
Sun Dec 28, 2014 10:18 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 2071

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

M* says VTINX lost 19.36% in 2008-2009. Weekly Drawdown =($9776/$12124)-1= -19.36% According to VG, VTINX gained 8.17% in '07, lost 10.93% in '08 and gained 14.28% in '09. Weekly peak to trough max drawdown (the amount you actually lost, not restricted to arbitrary time frames, like yearly) Daily m...
by Wild Willie
Sat Dec 27, 2014 9:51 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 2071

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

VA_Gent wrote:M* says VTINX lost 19.36% in 2008-2009.

Weekly Drawdown =($9776/$12124)-1= -19.36%


According to VG, VTINX gained 8.17% in '07, lost 10.93% in '08 and gained 14.28% in '09.
by Wild Willie
Sat Dec 27, 2014 9:01 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 2071

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

Charger, we are very similar in age and investment direction since I have been in VTINX myself (100%) for the past few years and I sleep well no matter what the stock market does. We may not make much, but we don't lose much either as the market gyrates and the track record of VTINX has been very go...
by Wild Willie
Sun Nov 09, 2014 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Health Reimbursement Accounts, i.e. HRA's
Replies: 2
Views: 522

Health Reimbursement Accounts, i.e. HRA's

Retired ATT employee here and the company is cutting its retirees loose for 2015, but giving us a fixed amount for out HRA to obtain medical insurance. Appears that the amount they are giving us will be enough to obtain a very good Medigap plan and PDP with a few bucks left over. Anyone else out the...
by Wild Willie
Sun Aug 10, 2014 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 5456

Re: Withdrawl from Target Retirement or Life Strategy Fund

Since I am/was 100% in VTINX (which is 100% in my IRA), maybe my sharing what I do/did might help the OP. Perhaps I am fooling myself, but when "everyone" was saying that "bond fund NAV's have no way to go but down", I made a conscious decision to move one year of withdrawals int...
by Wild Willie
Sat Jun 28, 2014 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2209

Re: Safe draw down %?

Since I'm approaching the mandated RMD stage of my life, I just did a calculation using my own portfolio and it appears my withdrawal rate will be about 3.6% (whether I like it or not). Other than maybe using part of that withdrawal to save after tax $$$ rather than spending it, doesn't that negate...
by Wild Willie
Sat Jun 28, 2014 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2209

Re: Safe draw down %?

Since I'm approaching the mandated RMD stage of my life, I just did a calculation using my own portfolio and it appears my withdrawal rate will be about 3.6% (whether I like it or not). Other than maybe using part of that withdrawal to save after tax $$$ rather than spending it, doesn't that negate ...
by Wild Willie
Fri Apr 11, 2014 8:46 am
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 10518

Re: Annuities

My take on annuities if very simple, the insurance company is betting you will die early whereas with life insurance, they are betting you will not.

Just my $0.02.
by Wild Willie
Fri Mar 28, 2014 1:36 pm
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 154
Views: 30386

Re: If you could have only one fund, what would it be?

I agree with Mel Lindauer - Vanguard Target Retirement Income Fund. It includes Total US and International Stocks, Total US and International Bonds, and TIPS. Hard to beat for the at-age investor. X2, I've been total VTINX for three years and couldn't be happier. Don't make much, but don't lose muc...
by Wild Willie
Wed Feb 12, 2014 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Buyng Bonds? Instead of Money Market
Replies: 10
Views: 1476

Re: Buyng Bonds? Instead of Money Market

I have 100% of my 401k account sitting in Vanguards Money Market fund. I'm too scared to move money into mutual funds with the current market conditions. Would you suggest moving at least part of my 401k account into bond funds (Vanguard Total Bond Market Index)? In theory, they should increase in ...
by Wild Willie
Wed Jan 08, 2014 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax for Flagship customers
Replies: 11
Views: 1280

Turbo Tax for Flagship customers

Does anyone know if VG intends to offer free TT to flagship customers this year?
by Wild Willie
Sat Jun 22, 2013 6:34 pm
Forum: Investing - Theory, News & General
Topic: My Flagship rep promoted to Flagship Select
Replies: 9
Views: 2019

Re: My Flagship rep promoted to Flagship Select

I have never talked to "my" Flagship rep because whenever I call in, he is never available and I prefer not to leave a callback. Doesn't really matter because I find every Flagship rep I talk to very knowledgeable and very helpful.
by Wild Willie
Sun May 26, 2013 9:24 am
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4931

Re: My thoughts on the drop in bond prices after Bernanke ta

by larryswedroe ┬╗ Sun May 26, 2013 8:32 am Wild Willie Here is nice piece by John Cochrane re Kessler's piece. FWIW, IMO Cochrane is one of our best financial economics, and those interested might want to check out his "debate" with Krugman. A classic I recommend bookmarking his blog http:...
by Wild Willie
Sun May 26, 2013 6:43 am
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4931

Re: My thoughts on the drop in bond prices after Bernanke ta

In line with the discussion on this thread (I think) is a column in Friday's WSJ by Andy Kessler. This is my interpretation of what he claims: Kessler claims that the Fed bond buying is actually limiting the liquidity available for certain "lenders" to lend. He states that since these &quo...
by Wild Willie
Tue May 14, 2013 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 8017

Re: Just Sold Out. What do you think?

The S&P and Dow at an all time high, the bond bubble is about to burst. I just couldn't take it anymore, I moved everything...................................in the front of my poor brain to the back of my poor brain, fired up my truck, hooked up the boat and went fishing. Guess the fish were wa...
by Wild Willie
Thu Apr 11, 2013 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Solution to Bond Worries?
Replies: 21
Views: 3070

Re: Solution to Bond Worries?

Speaking from experience, it doesn't pay to try to guess when the bond market will turn (as has been said ad nauseum by the bogleheads on this forum who I greatly respect). I have "stayed the course" with 100% in VTINX (except for emergency fund) for three years and have been very satisfie...
by Wild Willie
Thu Apr 11, 2013 9:46 am
Forum: Investing - Help with Personal Investments
Topic: VTINX (Target Retirement) Allocations
Replies: 7
Views: 1096

Re: VTINX (Target Retirement) Allocations

I was told by VG that it is going to be in effect for the third quarter of this year. :sharebeer
by Wild Willie
Wed Mar 06, 2013 8:05 pm
Forum: Investing - Theory, News & General
Topic: WSJ article on "The 4% Rule" Here is the link.
Replies: 66
Views: 14315

Re: WSJ article on "The 4% Rule" Here is the link.

I read this article yesterday and just saw this thread. If I could be so bold as to "cut to the chase" (as it were), I didn't see anyone discuss the alternative suggestion mentioned in the article about another SWR strategy, that being the one that suggested one use the IRS actuary tables ...
by Wild Willie
Thu Feb 21, 2013 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: tax treatment of a BP settlement payout
Replies: 1
Views: 310

tax treatment of a BP settlement payout

Got a "bud" who filed with BP for oil damage to his coastal property (just land, no structure on the property). Appears the settlement will exceed his cost basis in the land considerably. He was wondering how the payout will be viewed by the IRS when he claims this payout next year on his ...
by Wild Willie
Thu Feb 07, 2013 12:32 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 10303

Re: Target Retirement Funds to add international bonds

As some of the posters have alluded to, the best part of all this besides the obvious increased diversification IMHO is the reduced duration in the TR funds due to changing the TIPS fund to short term TIPS. That, and the decrease in the allotment to MM funds, make this a win/win IHMO, especially sin...
by Wild Willie
Thu Feb 07, 2013 12:27 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 27352

Re: Finally arrived: The Vanguard Total International Bond F

As some of the posters have alluded to, the best part of all this besides the obvious increased diversification IMHO is the reduced duration in the TR funds due to changing the TIPS fund to short term TIPS. That, and the decrease in the allotment to MM funds, make this a win/win IHMO, especially sin...
by Wild Willie
Sun Jan 27, 2013 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5937

Re: Chase Bank new checking account free $200

Oops, found a separate topic on this exact subject:

viewtopic.php?f=2&t=109763
by Wild Willie
Sun Jan 27, 2013 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5937

Re: Chase Bank new checking account free $200

Heard on a news program that effective today (I think) merchants, 'sticks and bricks' and also online merchants, can begin charging all credit and debit card purchases up to 4% additional charge, but they have to disclose it at time of purchase. That will pretty well kill all my points I accumulate ...
by Wild Willie
Fri Jan 25, 2013 2:55 pm
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7736

Re: Target Retirement or Three Fund Portfolio ?

The ultimate simplicity for retired folks (like me).......100% VTINX, Target Retirement Income Fund. Love it. Willie: I agree that Vanguard's Target Retirement Income Fund is ideal for retirees who are in a low-tax bracket or have all their savings in tax-advantaged accounts. Yep, that be me. 8-) V...
by Wild Willie
Fri Jan 25, 2013 11:48 am
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7736

Re: How Bogleheads made me a worse Investor

The ultimate simplicity for retired folks (like me).......100% VTINX, Target Retirement Income Fund. Love it.
by Wild Willie
Mon Jan 21, 2013 2:01 pm
Forum: Personal Consumer Issues
Topic: Wireless TV headphones
Replies: 11
Views: 1510

Re: Wireless TV headphones

I purchased a similar set made by RCA for the same price from the local wallyworld. Works great.
by Wild Willie
Wed Jan 16, 2013 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my Vanguard IRA to my ING 401k?
Replies: 14
Views: 1155

Re: Should I move my Vanguard IRA to my ING 401k?

Whew! Finally got something right :sharebeer
by Wild Willie
Tue Jan 15, 2013 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my Vanguard IRA to my ING 401k?
Replies: 14
Views: 1155

Re: Should I move my Vanguard IRA to my ING 401k?

Didn't think it was possible to move an IRA into a 401k although I know you can do the reverse, i.e. roll a 401k into an IRA. Perhaps I'm wrong. Yes, you're wrong. From IRS Pub 590: Kinds of rollovers from a traditional IRA. You may be able to roll over, tax free, a distribution from your tradition...
by Wild Willie
Mon Jan 14, 2013 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my Vanguard IRA to my ING 401k?
Replies: 14
Views: 1155

Re: Should I move my Vanguard IRA to my ING 401k?

Didn't think it was possible to move an IRA into a 401k although I know you can do the reverse, i.e. roll a 401k into an IRA. Perhaps I'm wrong.

Oops, meant a 401k.
by Wild Willie
Tue Jan 01, 2013 4:17 pm
Forum: Investing - Theory, News & General
Topic: VG now withholds state taxes for ALL states?
Replies: 0
Views: 306

VG now withholds state taxes for ALL states?

As info, I handle my bro-in-law's IRA at VG and when I initiated a withdrawal today (first one for 2013 obviously), VG have me the option to withhold for Louisiana taxes for the first time. I have been asking for this option for several years, but prior to this, they only withheld for those states t...
by Wild Willie
Sun Dec 30, 2012 4:51 pm
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 4507

Re: How to calculate return on a portfolio

Let me jump in here with a different wrinkle: My case is different in that I am retired and make no contributions during the year, only withdrawals. The formula I use is (end + withdrawals - start) / start. Now, I realize that doesn't allow for the interest or dividends or appreciation effects of th...
by Wild Willie
Thu Dec 27, 2012 10:03 am
Forum: Investing - Help with Personal Investments
Topic: cd's from VG
Replies: 12
Views: 1874

Re: cd's from VG

DM200: I was planning on keeping the durations short so redemption prior to maturity shouldn't be a problem. I'm just trying to do better than the dismal return of money market funds for my short term cash. Are the returns of the cd's offered by VG competitive with banks or credit unions or should I...
by Wild Willie
Wed Dec 26, 2012 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: cd's from VG
Replies: 12
Views: 1874

cd's from VG

I know a phone call to VG could probably answer this question, but they seem to be pretty busy today with year end stuff and since I was already perusing this forum, I thought I would ask the group. The CD's that VG offers, are they new issues or do we purchase them on the secondary market? Just won...

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