Search found 416 matches

by antiqueman
Sun Jan 14, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 1668

Re: Jan 2018 TIPS Auction

Thank you to all who replied.

Saltycaper, thank you for the CPI-U breakeven inflation rate information.
by antiqueman
Sun Jan 14, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 1668

Re: Jan 2018 TIPS Auction

The breakeven inflation rate is just the rate of inflation that would cause a nominal Treasury bond to have the same return as a TIPS of equal maturity. If the nominal bond is yielding 3% and the TIPS is yielding 0.5%, the breakeven inflation rate is 2.5% (nominal yield minus TIPS yield). If inflati...
by antiqueman
Sat Jan 13, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 896

Re: Pension service credit purchase: yes or no?

I have a similar option as OP. Except by statute , the retired employee receives 3% of the previous years benefits, each year. I have considered buying about 6 years of time. It would increase the monthly benefit substantially . But---here is the issue-- the plan is only 60% funded. It is a state pl...
by antiqueman
Sat Jan 13, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 1668

Re: Jan 2018 TIPS Auction

As a follow up to my original question, will someone explain to me how the "break even " inflation rate is determined. I know determining the break even inflation rate should be simple, but for some reason I have trouble with the concept.

Thanks
by antiqueman
Sat Jan 13, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 1668

Jan 2018 TIPS Auction

Anyone considering buying at the 10 year tips auction next week?

Based on the yield of the current tips maturing in 2028, the yield next week should be between.50 and.60.

Thanks
by antiqueman
Thu Jan 11, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1943

Re: How many years of fixed income for Sequence of Return Risk

[quote=itstoomuch post_id=3714935 time=1515701104 user_id=58805
.
There are other methods to insure your retirement portfolio."


Itstomuch--what other methods are you referring to when you state " There are other methods to insure your retirement portfolio"? Do you mean an annuity?
by antiqueman
Thu Jan 11, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1943

Re: How many years of fixed income for Sequence of Return Risk

I have a 45/55 allocation right now, with DW retiring 6 months ago and I plan on retiring this year. For me that equates to 26 years of expenses in fixed income. Wonder if I should just build a 30 year TIPS ladder and be done with it. I am the original poster. I thought about putting 30 years of fix...
by antiqueman
Thu Jan 11, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1943

Re: How many years of fixed income for Sequence of Return Risk

[quote=dwickenh post_id=3714641 time=1515693126 user_id=59826] Some people actually build their equity allocation around this question. 3-5 years seems to be the suggested fixed income to get past a "bear market". I lean to the safe side of that with 10 years of fixed income. The rest is in equities...
by antiqueman
Thu Jan 11, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1943

How many years of fixed income for Sequence of Return Risk

I am 63. DW is 60. I have low stock allocation . In essence I have 20%Iequities and 80 % in fixed income. Lots of TIPS. I realize I need to increase stock percentage to probably at least 30% to 35%. Will retire within next two years. I can fund living expenses with CDs, Tips, Short Term Bonds etc fo...
by antiqueman
Sun Jan 07, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 58
Views: 12021

Re: Backdoor Roth: How Long To Wait For Conversion?

Perhaps Alan S or others versed in this subject can answer the following questions: What is the look back period on a backdoor Roth? Would the IRS disallow it after 3, 5, 10 or 20 years? If it were disallowed what happens? Are the earnings taxes or can you transfer the earning and original ira back ...
by antiqueman
Sat Dec 30, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Make sure I am correct re Roth to Tradational IRA
Replies: 6
Views: 961

Re: Make sure I am correct re Roth to Tradational IRA

Alan , thank you for replying. Based on the information you have provided me , he is what I plan to do after Jan.1 2018. (1) Recharacterize the initial 6500.00 Roth conversion to a traditional Ira. Then convert the traditional to a Roth. I will then pay taxes only on the amount of increase above the...
by antiqueman
Mon Dec 25, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Make sure I am correct re Roth to Tradational IRA
Replies: 6
Views: 961

Re: Make sure I am correct re Roth to Tradational IRA

:Once the conversion is done in 2018, be aware that if you have a 401k or similar retirement account and roll it over to your IRA in 2018, that will cause your conversion to be almost entirely taxable, which is the same result if you have other TIRA accounts or balance in your TIRA in addition to th...
by antiqueman
Sun Dec 24, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Make sure I am correct re Roth to Tradational IRA
Replies: 6
Views: 961

Make sure I am correct re Roth to Tradational IRA

My wife and I each made a $6500.00 contribution to our respective Roth IRA. At the time we made the contributions we did not think our income would be large enough to prevent us making the contributions. However our income for 2017 will be to large for Roth contribution. I read the Wiki and understa...
by antiqueman
Wed Dec 20, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth Refund to Pay Future Conversion to Roth.
Replies: 2
Views: 261

Use Roth Refund to Pay Future Conversion to Roth.

My wife's and my income will be over the threshold to make any Roth contribution this year. We contributed $6500.00 each earlier this year when we didn't think our income would be to much to contribute. Now we have to withdraw the contributions, plus earnings. I am considering reclassifying the Roth...
by antiqueman
Tue Nov 28, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 155
Views: 16657

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Vanguard does not state if the Value ETF will be small, mid-cap or large . So we don't know what its really offering in that fund.
by antiqueman
Sat Nov 25, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Managing Risk With Factors
Replies: 121
Views: 10113

Re: Larry Swedroe: Managing Risk With Factors

I don't understand the constant attack on those who wish to tilt to something other than the three fund portfolio. Its as if the three fund portfolio is the scared cow . There are post after post after post where people how bring up factors and are attacked. No wonder Larry left.
by antiqueman
Sun Oct 29, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS v NALC
Replies: 7
Views: 602

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: 16908

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: 344

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: 1114

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: 1114

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: 1114

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: 477

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: 6812

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: 1145

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: 1145

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: 10503

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: 10503

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: 10503

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: 10503

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: 10503

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: 1688

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: 1067

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: 5699

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: 10503

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: 4925

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: 523

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: 4973

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: 4973

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: 1380

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: 1380

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: 1380

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: 1380

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: 1380

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: 2590

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: 13754

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: 7608

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: 929

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: 227
Views: 32821

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...