Search found 400 matches

by antiqueman
Sun Oct 29, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS v NALC
Replies: 7
Views: 433

BCBS v NALC

It will be open season soon for federal retirees to select their health insurance for 2018. We have used BCBS for many years but we are considering changing to the National Association of Letter Carriers, health insurance. From what I can tell, the coverage is similar between BCBS and NALC , but NAL...
by antiqueman
Mon Oct 23, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 16600

Re: Why not just annuitize and be done with it?

Recently checked the interest rate for an annuity through Met-Life through the TSP. ( Thrift Savings Plan)

The interest rate applied for the annuity if purchased in October 2017 is-- 2.125%.

With a rate that low I cant envision purchasing an annuity.
by antiqueman
Tue Oct 17, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Use G Fund Distribution for I Bonds
Replies: 2
Views: 317

Use G Fund Distribution for I Bonds

Please give me your thoughts on the following: My spouse is retired. Approximately 25% of our investable assets are in her TSP G fund. I am still working, In the past , with both of us working, we have been able to purchase the 20k yearly maximum from our cash flow. We may not be able to do that nex...
by antiqueman
Sun Aug 27, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Does a "true" liability matching portfolio require 30 years of fixed income
Replies: 12
Views: 1020

Re: Does a "true" liability matching portfolio require 30 years of fixed income

It seems that a CPI adjusted SPIA would achieve all of the LMP requirements with a lot less complexity I agree that a CPI adjusted SPIA is one potential answer. However I am not aware of many companies that issue CPI adjusted SPIAs. Then there is the cost of the annuity and the possibility of the co...
by antiqueman
Sun Aug 27, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Does a "true" liability matching portfolio require 30 years of fixed income
Replies: 12
Views: 1020

Re: Does a "true" liability matching portfolio require 30 years of fixed income

Yes. According to theory the correct answer is to buy a bond of matching duration. In theory a zero coupon bond is generally refereed to, not a TIP. Practice is different. There is a shortage of 30 year s, TIPS, and zero coupon bonds. The common answer is to actively manage a portfolio of long bonds...
by antiqueman
Sun Aug 27, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Does a "true" liability matching portfolio require 30 years of fixed income
Replies: 12
Views: 1020

Does a "true" liability matching portfolio require 30 years of fixed income

For one to hold a "true" liability matching portfolio for 30 years, is the correct way to do that is to purchase a TIPS for each year for 30 years( I know some years don't have TIPS. For those years you would have to buy a combination of TIPS of other years to try to work through that problem) or ca...
by antiqueman
Mon Aug 21, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Alreday converted to Roth from Traditional IRA. Can I do it again ?
Replies: 5
Views: 428

Alreday converted to Roth from Traditional IRA. Can I do it again ?

I recently converted from a traditional IRA to a Roth Ira. The balance left in the traditional IRA is "0". ( Zero) I will not owe taxes on the conversion. I am now considering moving money from my 401k to a traditional IRA , but I may not convert any of it this year. I may withdraw some of it or con...
by antiqueman
Sun Aug 20, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6362

Re: Safe car for wife and baby

Volvo S 80. S 90 or XC90.

My wife and I have had several over the pass 25 years. I always feel very safe in them.
by antiqueman
Sun Jul 16, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Likelihood 20/80 AA going Zero.
Replies: 8
Views: 1096

Re: Likelihood 20/80 AA going Zero.

[quote="Ged"]Why would you need any money in equities? 3% over 30 years will leave 10% at the end. It seems to me you have no need to take the risk of rebalancing. Risk is something you tolerate for a reason. If you don't need to take it, don't.[/ I am the OP. The reason we are considering some equi...
by antiqueman
Sun Jul 16, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Likelihood 20/80 AA going Zero.
Replies: 8
Views: 1096

Likelihood 20/80 AA going Zero.

My spouse has recently retired from Federal service. All of my spouse's assets in TSP have been in the G Fund. She and I have discussed moving the money to the TSP L Income fund which is 20% stock and 80% bond. The AA is broken down as follows: 12% C fund ( S and P), F Fund ( intermediate bond which...
by antiqueman
Fri Jul 14, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10088

Re: DFA Retirement Income Strategies

Thanks Bob.

Perhaps the 20 % stock will provide a better chance of the initial investment lasting more than 25 years.
by antiqueman
Thu Jul 13, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10088

Re: DFA Retirement Income Strategies

Thanks Bob K for your response. I don't think I didn't asked the question well. Would the DFA fund be preferable to the bond ladder? If so, why? If not, why not? What are the main reasons a person would select the DFA fund over the ladder or vice-vera. I would not anticipate managing the ladder woul...
by antiqueman
Thu Jul 13, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10088

Re: DFA Retirement Income Strategies

Bob,(or others). I calculated the yearly amounts that can be withdrawn using DFA income calculator. I used $250,00 as the invested amount. The estimated payout over 25 years for the "median" yearly withdrawl was $10,500.00. The question I have is why would the DFA Target retirement fund by better th...
by antiqueman
Thu Jun 22, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10088

Re: DFA Retirement Income Strategies

[/quote] DFA's retirement income calculator in Table 1 assumes an asset allocation of 75% - 80% TIPS in retirement. This would leave one to suspect that the income is real, not nominal. Looking thru the key assumptions of DFA's retirement income calculator I see the following. [quote]Estimated futur...
by antiqueman
Wed Jun 21, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10088

Re: DFA Retirement Income Strategies

I used the DFA Income Calculator Bobcat 2 linked to. I received three ranges of payouts. for "X" amount invested in the DFA retirement Income Fund, Assume that the withdrawn amounts for 2017 could be any of the following $10,000.00 a year, $8500 a year and $7500.00. The person decides he wants to wi...
by antiqueman
Thu Jun 08, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Items with mimimal risk of inflation increase
Replies: 17
Views: 1496

Items with mimimal risk of inflation increase

/am considering an immediate annuity. But before doing so , trying to think through possible inflation issues. Items I can think of that have no increase from present nominal cost , or none at all, are a fixed rate mortgage , some utilities such as water/sewage, fixed term life insurance policy. The...
by antiqueman
Tue Jun 06, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Spreadsheet
Replies: 2
Views: 993

Excel Spreadsheet

Would those of you who use excel to manage your stocks, bonds and other finances please provide how you utilize excel? I recall from my review of the forum that I recall that some of you calculate the dividends/interest you are projected to receive each year from your investments and even calculate ...
by antiqueman
Fri May 26, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 5348

Re: Septic Pumping - Did I get ripped off?

If you got hurt ,I don't think its too bad considering where you live (NJ).
by antiqueman
Wed May 24, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10088

Re: DFA Retirement Income Strategies

matjen wrote:Bump! Honestly, I am rather surprised that focusing on the stream of income or LifeCycle investing hasn't caught on with this forum. BobK has done yeoman's job keeping a drumbeat of great posts on the subject coming. Thank you Bobk.
Totally agree.
by antiqueman
Sun May 21, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4570

Re: Need new Router/Wifi Networking Ideas

I don't use an Ethernet.

I just have wireless "mifi" whichis a 6 inch device that picks up internet signal from cell tower.

Will the mesh or other network work with just a 'mifi"

As you can tell I don't know much about how the technology works but I can access the internet.
by antiqueman
Sun May 07, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder Construction Tool??
Replies: 3
Views: 478

Bond Ladder Construction Tool??

Can anyone recommend a website to establish a zero coupon bond ladder based on current prices. I cant find one. I suppose there are services that could do that for a fee . It would be doable manually, but time consuming.

Thanks.
by antiqueman
Fri Apr 28, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 30
Views: 4810

Re: Five year CD paying more than 10 yr. treasury

[quote="VaR"]OP, are you really asking why a five year CD is paying more than a five year Treasury? That's a more apples-to-apples question.[/quote]

Yes this is really what I am asking.
by antiqueman
Fri Apr 28, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 30
Views: 4810

Five year CD paying more than 10 yr. treasury

I noticed a few minutes ago that five year CD's at Schwab are paying 2.35 percent. The ten year treasury bond is quoted at yield of 2. 30 percent.

Why would a five year CD pay more than a 10 year treasury? It cant be liquidity alone ( I don't think).
by antiqueman
Thu Mar 02, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion 04/13/2013
Replies: 18
Views: 1291

Re: Roth Conversion 04/13/2013

Thank you Alan S
by antiqueman
Thu Mar 02, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion 04/13/2013
Replies: 18
Views: 1291

Re: Roth Conversion 04/13/2013

I am the original poster. Thank you to everyone who responded. I am still somewhat confused about all the rules. As I understand it , because I am older than 59.5 and my five year clock for my first Roth conversion will be up Jan. 1, 2018 it dosent matter how many additional accounts I convert to Ro...
by antiqueman
Tue Feb 28, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion 04/13/2013
Replies: 18
Views: 1291

Re: Roth Conversion 04/13/2013

No need to wait beyond 01/01/2018. Once the Roth is qualified all withdrawals are tax and penalty free. There is no need to track conversion or contributions beyond that date. I understand this to mean that after the First Roth is qualified it doesn't matter how many additional conversions occur? Is...
by antiqueman
Tue Feb 28, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion 04/13/2013
Replies: 18
Views: 1291

Re: Roth Conversion 04/13/2013

Assuming this convertion is your first Roth, your Roth will be qualified on 01/01/2018. After it's qualified all withdrawals will be tax and penalty free. Before 01/01/18 you can with draw the converted amount tax and penalty free. lo Epsilon Delta--Thank you for your answer. It is my first Roth. N...
by antiqueman
Tue Feb 28, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion 04/13/2013
Replies: 18
Views: 1291

Roth Conversion 04/13/2013

I completed a Roth Conversion on 04/13/2013. I am over 59 1/2. When may I withdraw any of the proceeds, whether earnings or converted amount, without taxes ?

Thanks.
by antiqueman
Wed Feb 08, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Life estate at death
Replies: 20
Views: 2431

Re: Life estate at death

It was gifted to the children, thus the children receive the parents basis. It was not inherited because the parents gave the children a future interest before their death. I think this is a gift.
by antiqueman
Sun Feb 05, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: Fresh Look at the "Larry Portfolio" from Portfolio Charts
Replies: 115
Views: 13215

Re: Fresh Look at the "Larry Portfolio" from Portfolio Charts

I have difficulty understanding what all the charts mean. What I gather from the charts in a broad sense is that the Larry Portfolio, backed tested over various years, had low St.Dev. did not run out of money at 4% percent withdrawl rate and during the worst period the portfolio recovered within 12 ...
by antiqueman
Fri Feb 03, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: No Inflation-Adjusted SPIAs at Vanguard
Replies: 120
Views: 7215

Re: No Inflation-Adjusted SPIAs at Vanguard

What about obtaining a nominal annuity for fixed expenses that will not go up in retirement? Mortgage if you have one in retirement. In my part of the county, real estate taxes have not gone up much over the past 10 years . Nor has water, garbage pick up and sewage. Perhaps the retiree has a nominal...
by antiqueman
Thu Feb 02, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: What yield for 5 yr and 10 yr CD
Replies: 7
Views: 897

What yield for 5 yr and 10 yr CD

Am considering buying a CD ladder.


At what yield to maturity would you feel comfortable buying 5 year and 10 year CD's?

Thanks
by antiqueman
Sat Jan 14, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 214
Views: 29771

Re: How Much To Tilt To Small Value?

I do not recall seeing any discussion of Micro-Cap Value funds in the discussion of factors. Do they exist? If they do, if one believes that small value has the potential for higher return with more risk, would a micro cap value fund have a larger expected return than small cap value? I looked befor...
by antiqueman
Sat Jan 14, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Upcoming TIPS auction
Replies: 4
Views: 571

Upcoming TIPS auction

I think there is a 10 year TIPS auction this coming Thursday. I am considering buying some but haven't made a final decision. Anyone have any thoughts about this TIPS auction they would like to share.
by antiqueman
Sun Jan 08, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds or Roth
Replies: 8
Views: 774

I Bonds or Roth

I have contributed the maximum to my 401k and the maximum to my 403 b. My wife has contributed the maximum to her 401k. We have about 15k left to contribute to either I bonds or Roth IRA, Which means we would fill one of our Bonds allotment entirely and the other one would fill one half of their 201...
by antiqueman
Thu Dec 15, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 32499

Re: Chase Sapphire Reserve

[quote="P&C actuary"]I applied for the card and received it. Went online to activate Priority Pass. Does Priority Pass automatically mail a membership card to me or do I have to do something else?[/quote] If you have signed up Priority Pass will send you the card. I got mine in about a...
by antiqueman
Tue Dec 06, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: When is the five years up for Roth conversion
Replies: 7
Views: 1417

Re: When is the five years up for Roth conversion

[quote="MarkNYC"][quote="antiqueman"]My wife converted her traditional IRA on 12/8/2012. When does the five year wait period expire so that earnings can be withdrawn without penalty? Is it Jan. 1, 2017?[/quote] The 5-year period would end on Jan 1, 2017, after which the conversio...
by antiqueman
Mon Dec 05, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: When is the five years up for Roth conversion
Replies: 7
Views: 1417

When is the five years up for Roth conversion

My wife converted her traditional IRA on 12/8/2012.

When does the five year wait period expire so that earnings can be withdrawn without penalty?

Is it Jan. 1, 2017?

Thanks
by antiqueman
Sun Nov 13, 2016 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Will Stable Value Interest Keep up with Inflation
Replies: 3
Views: 847

Will Stable Value Interest Keep up with Inflation

I have a stable value fund available to me. Tits he past few years been paying 2% a year. I have been in the Stable Value Fund about 6 years and the interest rate has kept pace with reported inflation and actually a small percentage above reported inflation. I am considering using the Stable Value f...
by antiqueman
Mon Nov 07, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Increase By Delaying
Replies: 12
Views: 1868

Re: Social Security Monthly Increase By Delaying

Thank you for the two replies so far. However, I am trying to find out the increase by month, not year. Perhaps the monthly increase is N/12 --whatever the amount is if you wait an entire year divided by 12 and multiplied by how many months you are past 62 but before 63, or past 63 but before 64 etc.
by antiqueman
Mon Nov 07, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Increase By Delaying
Replies: 12
Views: 1868

Social Security Monthly Increase By Delaying

I have a question that I could not find the answer to on the internet. I am sure its out there but I thought I would try to get an answer here before continuing my search. I assume anyone who has any knowledge of Social Security knows that if you delay taking the benefits till 70 your benefits incre...
by antiqueman
Tue Oct 18, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion and the equity risk premium puzzle
Replies: 76
Views: 5354

Re: Myopic loss aversion and the equity risk premium puzzle

Thank you Larry. Looking forward to your new book.

Also, thank you for your contributions to the Boglehead forum. I read all your post. It must be very difficult time wise for you to handle your duties for BAM, write the books and provide all of us great information.

Mike
by antiqueman
Sun Oct 16, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion and the equity risk premium puzzle
Replies: 76
Views: 5354

Re: Myopic loss aversion and the equity risk premium puzzle

Larry, I am waiting for your new book to be available on Kindle. In the meantime do you still recommend DWUSX instead of a combination of DISVX and DFEVX. I used Morningstar's instant x ray tool and it appears to me that DWUSX has more mid -caps value--not small cap value as the combination of DISVX...
by antiqueman
Wed Oct 12, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion and the equity risk premium puzzle
Replies: 76
Views: 5354

Re: Myopic loss aversion and the equity risk premium puzzle

I'm big believer in the concept if you have won the game (have enough assets to be happy) why are you still playing. I long ago went to a very low beta and high tilt portfolio to allow me to sleep better by cutting tail risks. I also believe doing so helps investors stay discipline during bear mark...
by antiqueman
Mon Oct 03, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Where risk has gone unrewarded
Replies: 8
Views: 1316

Re: Where risk has gone unrewarded

"Some say risk is the possibility of doing badly in bad times, which is not quite the same as volatility."

What does the above statement mean. I see it often here.
by antiqueman
Sun Sep 11, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 3401

Re: Volvo & Audi SUV owners step in here

My wife and I have owned 6 Volvo's over the years. All have been very reliable. My wife drives a 2004 XC 70 . It is all wheel drive. No major problems. I owned a Mercedes Turbo 300 diesel one time. Love the car, but not the repair bills. So when I decided it was time for it to go, at 180k miles, I b...
by antiqueman
Wed Aug 10, 2016 4:22 pm
Forum: Investing - Theory, News & General
Topic: What does never reblance mean?
Replies: 8
Views: 1609

Re: What does never reblance mean?

Thanks everyone for their response.
by antiqueman
Tue Aug 09, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: What does never reblance mean?
Replies: 8
Views: 1609

What does never reblance mean?

I suppose this may be a silly question, but I have read a number post on the forum ( and elsewhere) that one line of thinking is to 'never rebalance" AS I understand this strategy , a person selects an asset allocation and then Never rebalances for the rest of their life. Does this mean that if...
by antiqueman
Mon Aug 01, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: Looking to the Future: Lo - Merton - Ross - Seigel
Replies: 4
Views: 739

Re: Looking to the Future

Thanks Bobcat for your continued information on LDI investing.