Search found 210 matches

by CWRadio
Sat Apr 30, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Whom do you purchase a SPIA from?
Replies: 10
Views: 1535

Re: Whom do you purchase a SPIA from?

Has anyone purchased a SPIA from Low Load Insurance Services?
https://llis.com/
Jane Bryant Quinn mention their name in her book Making the Most of Your Money. Thanks
by CWRadio
Tue Apr 19, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: GLD going up, why?
Replies: 6
Views: 661

Re: GLD going up, why?

VinhoVerde wrote:Primarily because the dollar is weak today.
VinhoVerde


Thanks... Can I use the US Dollar/USDX - Index - Cash (DX-Y.NYB) to track the performance of the dollar? You are correct it is down today according to this index.
Paul
by CWRadio
Tue Apr 19, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: GLD going up, why?
Replies: 6
Views: 661

GLD going up, why?

I am trying to understand why GLD (SPDR Gold Shares) are going up today (4/19/2016).
Paul
by CWRadio
Mon Mar 28, 2016 7:40 am
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7188

Re: TIPS Anyone?

Questions on how TIP mutual funds work: 1 I have Vanguard VTIP short term fund and interest rates go up. What happens to the NAV of the fund? 2 Same fund but inflation goes up but interest rates remain the same. What happens to the NAV? 3 Same fund but this time inflation and interest rates go up. W...
by CWRadio
Sat Mar 19, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1256

Re: Inflation Protection Securities funds and ETFs

Hi Paul, Thank you for your response. May I ask why you are reducing your allocation? Has it been the challenging environment for TIPS and the minimal cash flow from dividends? Best. I need to increase my cash position to meet the 2016 RMD requirement so I may used my TIP funds (if they continue to...
by CWRadio
Fri Mar 18, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1256

Re: Inflation Protection Securities funds and ETFs

abuss368 wrote:
Hi Paul,

Are you planning to stay the course with the TIPS fund?


May sell some to reduce my position to 10%. I will time the market and wait until it goes higher!!

Paul
by CWRadio
Fri Mar 18, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1256

Re: Inflation Protection Securities funds and ETFs

Thank you all for your import and information. My portfolio has 17% of TIP funds (VTIP DIPSX). Been down a little in the past few years.
Paul
by CWRadio
Thu Mar 17, 2016 7:28 am
Forum: Investing - Help with Personal Investments
Topic: locking in my losses
Replies: 18
Views: 1721

Re: locking in my losses

Thank you all for your advice and information. Need some additional time to digest all the information.
Did some calculation and the loose will be only 2.2% of my total portfolio.
I am leaning to just do it and don't look back.

Paul
by CWRadio
Wed Mar 16, 2016 8:04 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1256

Inflation Protection Securities funds and ETFs

Can you please explain why Inflation Protection Securities funds and ETFs increase their NAV today (3/16/2016). Thanks Paul
by CWRadio
Wed Mar 16, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: locking in my losses
Replies: 18
Views: 1721

locking in my losses

I would like to simplify my 13 fund slice and dice portfolio (50% bonds, 50% equities) to a 3 or 4 fund portfolio. My portfolio was designed by a financial adviser that I no longer use back in 2012. Out of the 13 funds, 4 funds are down (TIPS, world bond fund, emerging markets, gold) since creation ...
by CWRadio
Tue Mar 15, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2227

Re: [Three fund portfolio plus One]

In the distribution phase, if you have one fund, you sell everything at once. No matter whether US stocks are up or down, international is up or down, or bonds are up or down, you sell all of them. Part of our retirement strategy involves selling the funds that are high, but letting those that are ...
by CWRadio
Sat Mar 05, 2016 8:53 am
Forum: Investing - Theory, News & General
Topic: RoBo advice performance
Replies: 2
Views: 442

RoBo advice performance

How well have the RoBo advisers performed compared to other funds like the three / four fund portfolio?
Thanks
by CWRadio
Sat Feb 27, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: RMD and Federal income tax
Replies: 14
Views: 1557

RMD and Federal income tax

I take RMD monthly from my IRA. Do I also need to pay estimated federal income for the monthly RMD payments or can I pay the total federal tax on my Federal income tax return? Thank
by CWRadio
Fri Feb 05, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: When should you purchase a SPIA?
Replies: 3
Views: 307

When should you purchase a SPIA?

I need help understanding when you should purchase a SPIA. For example: I am 70 and my wife is 68. Both in good health. I need $78,000 a year to live on. I get $38,000 from SS and pension. So I need additional $40,000 from my investments plus inflation to the end of our life. If any money is left th...
by CWRadio
Sat Jan 30, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2923

Re: Immediate Fixed Annuities

Just to add to the conversation the New York Times had an article yesterday on SPIA.
Annuities as an Alternative to Shaky Markets? Not So Fast
http://www.nytimes.com/2016/01/30/your-money/annuities-as-an-alternative-to-shaky-markets-not-so-fast.html

Paul
by CWRadio
Mon Nov 30, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bank CDs in a Revocable Living Trust
Replies: 10
Views: 944

Re: Bank CDs in a Revocable Living Trust

Thanks for the advice. I will try to use my dads SS number to transfer the two CDs in trust. Also no penalties. Paul
by CWRadio
Sun Nov 29, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank CDs in a Revocable Living Trust
Replies: 10
Views: 944

Bank CDs in a Revocable Living Trust

My dad recently died at age 97. He left my sister and I four bank CD's. No other assets. I am the Trustee. Two CD are payable on death and the other two are in his Revocable Living Trust. My question before I go to the bank is how to I liquidate the two CD's that are in the trust. Do I need a tax EI...
by CWRadio
Tue Nov 17, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 5044

Re: Dental Insurance

Is it a discount card or insurance? I have a Delta discount that cost me $80 a year.
Paul
by CWRadio
Sun Nov 15, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 40
Views: 5178

Re: Is The Vanguard Balanced Index Fund All One Needs?

If the balanced fund is in a IRA and you are required to do RMD you may have a problem when the market is down. See article in Morningstar For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&sr...
by CWRadio
Tue Oct 06, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Whom do you purchase a SPIA from?
Replies: 10
Views: 1535

Whom do you purchase a SPIA from?

I have found Integrity Life SPIA ranges from $508 to $518 a month for $100,000 payment. Intergrity SPIA has the best deal with the best credit rating for the price. My question: Does it matter if you buy the Intergrity SPIA from Vanguard, Fidelity, interdependent broker, Stan the Annuity Man, or imm...
by CWRadio
Thu Sep 10, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Medigap companies
Replies: 2
Views: 275

Switching Medigap companies

Can you switch Medicare Medigap (Supplement ) plans with a different company without medical underwriting? I understand that the state of California allow you to change plans or companies on your birthday. Does anyone know of other way to change plans and companies without medical underwriting? Than...
by CWRadio
Sat Aug 22, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Buying a SPIA Joint Life or 2 Single Life SPIAs
Replies: 7
Views: 556

Buying a SPIA Joint Life or 2 Single Life SPIAs

What are the pros and cons of buying a Joint Life or 2 Single Life SPIA from a IRA? Example. I am 70 an my wife is 67 and I buy a joint life SPIA for $100,000 or buy 2 single life SPIA for $50,000 each. Joint Life $100,000 payed gets about $513 a month Single life for wife $50,000 payed gets about $...
by CWRadio
Sun Aug 09, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Prepaid Cell Plan USA
Replies: 35
Views: 3803

Re: Prepaid Cell Plan USA for iPhone

Can I buy a new iPhone and only use it for calls and text. It is for my grandson and his parent only went him to use text or phone calls away from the home. OK to wifi at home. Any advice on plans that offer what I am looking for? Thanks Paul
by CWRadio
Thu Aug 06, 2015 6:23 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 11828

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

About to buy a Joint Life SPIA
I am looking for the lowest price with the best credit rating of the insurance company.
I checked Fidelity, Vanguard and immediateannuities.com.
Does anyone know of other resources that give better prices? Thanks Paul
by CWRadio
Wed Jul 29, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Shopping for lowest price of a SPIA
Replies: 4
Views: 748

Shopping for lowest price of a SPIA

About to buy a Joint Life Income (100% to the Survivor) SPIA. I am 70 and my wife is 68. I am looking for the lowest price with the best credit rating of the insurance company. I checked Fidelity, Vanguard and immediateannuities.com. Integrity Life SPIA ranges from $500 to $518 a month for $100,000 ...
by CWRadio
Thu Jul 23, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buying SPIA
Replies: 3
Views: 487

Buying SPIA

I am planning to buy a joint and survival SPIA for $200,000. I am 70 and my wife is 68. My current portfolio is a IRA worth about 1 million dollars with a 45% allocation in equities funds (32% US 13% foreign) and 55% in bond funds ( 10% short term bond fund). My questions: From which funds do I take...
by CWRadio
Sun Jul 05, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 748
Views: 455868

Re: Spreadsheet for backtesting (includes TrevH's data)

I also would like to see your backtesing spreadsheet. Paul
by CWRadio
Fri Jul 03, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6886

Re: Risks of RMD Withdrawal From A Single Fund IRA

If stocks are down, selling a TR fund doesn't necessarily mean that you're selling stocks. You're selling shares of the VTENX fund at NAV. That NAV represents the value of the stocks and bonds in the fund. If you had a portfolio of separate funds and stocks are down, your asset allocation plan woul...
by CWRadio
Fri Jul 03, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 1881

Re: Which Funds to Take RMD From

Thank you all for your comments, remarks and calculations. What started me on this journey was an article from Christine Benz called: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill It can be found at: http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceI...
by CWRadio
Thu Jul 02, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 1881

Which Funds to Take RMD From

I currently have the following $1,000,000 IRA three fund portfolio: VFSUX Vanguard Short-Term Bond Admiral Shares 35% $350,000 VTSAX Vanguard Total Stock Market Admiral Shares 45% $450,000 VFWAX Vanguard FTSE All-World ex-US Index Admiral 20% $200,000 The original portfolio allocation was 50% bond 3...
by CWRadio
Thu Jul 02, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 6886

Re: Risks of RMD Withdrawal From A Single Fund IRA

I found this article in MorningStart that talk about our concerns of withdrawal in a all in one fund: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&src=Morningstar&date=01-30-2014&...
by CWRadio
Sun Jun 21, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisor for people in retirement
Replies: 8
Views: 1861

Robo Advisor for people in retirement

What is the current thinking about using a Robo Advisor in retirement. The Robo Advisors needs to do RMD, monthly paychecks to checking account and re-balancing. I am interested in simplicity. I currently have VSCGX, Vanguard LifeStrategy Conservative fund (4 fund portfolio). Will a Robo Advisor do ...
by CWRadio
Thu Jun 18, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: SPDR Gold Trust (GLD)
Replies: 14
Views: 1578

SPDR Gold Trust (GLD)

Why is SPDR Gold Trust (GLD) up 1.20% today (Thur 10:45am)?
I am trying to understand how gold works. Thanks Paul
by CWRadio
Wed Jun 10, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Substituting Income Annuities For Bond Funds in Retirement
Replies: 27
Views: 3240

Re: A Benefit of Life-Income Annuities

CWRadio: We purchased two Single Premium Immediate Annuities (SPIAs) in our early 80s. This allowed us to give our three children their inheritance before we die because we no longer worry about bear markets or running out of money. Our children are very grateful. Note: A SPIA provides the highest ...
by CWRadio
Tue Jun 09, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: Substituting Income Annuities For Bond Funds in Retirement
Replies: 27
Views: 3240

Substituting Income Annuities For Bond Funds in Retirement

Any comments on Dr Wade Pfau article: Substituting Income Annuities For Bond Funds in Retirement? I am interest on what others think of this strategy. Thanks Paul http://retirementresearcher.com/substituting-income-annuities-for-bond-funds-in-retirement/ Excerpt from an article http://www.fa-mag.com...
by CWRadio
Tue May 26, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 6343

Re: Medicare supplemental insurance

Has there been an discussion on how insurance companies set prices for Medigap policies?
Example: Community rated, Issue age rated and Attained age rated pricing.
How do you use the different pricing models in your decision to purchase a police? Thanks
by CWRadio
Fri May 15, 2015 6:41 pm
Forum: Investing - Theory, News & General
Topic: Best Asset Allocation if you've "won the game"
Replies: 86
Views: 10147

Re: Best Asset Allocation if you've "won the game"

I really like the vanguard target retirement income fund. The nice thing about having it all in one fund is that you don't see the individual pieces moving which is easier on your psychology. If you want go the extra mile something like 90% vanguard retirement income and 10% gold is a pretty bullet...
by CWRadio
Thu May 14, 2015 8:11 am
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 4354

Re: How much in cash?

One thing I do wish to point out, as it seems to me to be another manifestation of a national trend toward risk-seeking. Up until about 15 years ago, it would have been conventional wisdom that any retirement or investment portfolio ought to include three major assets: stocks, bonds, and "shor...
by CWRadio
Thu May 14, 2015 7:12 am
Forum: Investing - Theory, News & General
Topic: Your Safety Net
Replies: 31
Views: 4612

Your Safety Net

In Jonathan Celements new book "Money Guide 2015" on page 21 (section 29) he talks about your safety net in retirement. Jonathan states, "to avoid the nightmare scenario, which many retires faced in 2008 and 2009, try dividing your portfolio in two parts." He suggests "consi...
by CWRadio
Fri May 08, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan
Replies: 3
Views: 601

Medicare Supplement Plan

With all things being equal is better to buy a Medicare Supplement Plan with Issue age rated or Attained age rated pricing?
Are there other things to look at besides type of pricing? Example credit rating, etc.
Thanks
by CWRadio
Tue May 05, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: CD ladder at Ally - multiple durations or just one
Replies: 20
Views: 3012

Re: CD ladder at Ally - multiple durations or just one

If the CDs are in a IRA CD account can you remove RMD without any penalty? Thanks
by CWRadio
Tue May 05, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Carpet cleaning
Replies: 3
Views: 645

Carpet cleaning

Why does the same areas of carpet always get dirty a few month after professorial cleaning and Scotchgarding?
The carpet is 8 years old Berber, we were slippers in the house, no pets and no children, we are retired. Thanks..
by CWRadio
Sun May 03, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wellseley VWINX - for a conservative investor mid 30s.
Replies: 16
Views: 2299

Re: Wellseley VWINX - for a conservative investor mid 30s.

Do you think the average duration of 6.2 years could be a problem with this fund if interest rate start to move up? Thanks
by CWRadio
Sat May 02, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: VTIP fluctuation
Replies: 2
Views: 609

Re: VTIP fluctuation

Thanks #Cruncher .
I think I finally understand how TIP ETF work.
by CWRadio
Sat May 02, 2015 5:52 am
Forum: Investing - Theory, News & General
Topic: VTIP fluctuation
Replies: 2
Views: 609

VTIP fluctuation

What causes the NAV of VTIP (Vanguard Short-Term Inflation-Protected Securities ETF) to fluctuate?
Example, if inflation goes up 1% does the NAV of VTIP go down or up? If interest rate go up will the NAV go down or up? Thanks
by CWRadio
Sat May 02, 2015 5:46 am
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 2
Views: 643

Re: Medicaid compliant SPIA

Thanks skepticalobserver for your reply.
Nolo Law's had the answer for me. Paul
by CWRadio
Fri Apr 24, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Medicaid compliant SPIA
Replies: 2
Views: 643

Medicaid compliant SPIA

What is a Medicaid compliant SPIA?
What are the differences between a Medicaid compliant SPIA and a non Medicaid compliant SPIA? Thanks
by CWRadio
Thu Apr 23, 2015 8:42 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 68461

Re: Schwab Intelligent Portfolios [now live]

tj wrote:Its interesting that only 20% of the accounts are new clients. That means they are heavily marketing it to their existing clients.

What percent are in retirement and taking money out of the portfolio?
by CWRadio
Sun Apr 19, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 3670

Re: Overinflating Tires

Any advice on a good tire pressure gauge?

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