Search found 17739 matches

by dbr
Wed Feb 10, 2016 9:47 pm
Forum: Investing - Theory, News & General
Topic: How to calculate annual standard deviation from monthly returns
Replies: 40
Views: 1413

Re: How to calculate annual standard deviation from monthly returns

Kevin, From what I've gathered, in this thread, statistical measures, like standard deviation, are mostly used to make projections into the future. That would be contrary to my objectives; so, I will not add it into the returns spreadsheet. I would say it is far more important than that. The essenc...
by dbr
Wed Feb 10, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Service
Replies: 21
Views: 2407

Re: Opinion on Vanguard Personal Advisor Service

It just seems odd to recommend muni bonds when you have a tax deferred account that could hold your bonds.
by dbr
Wed Feb 10, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3620

Re: -24% Return over 2 years

So when using the xirr function, my first value is to be negative, but what would that value be if I never invested any money up front? My starting value was 0 and then I have made biweekly contributions since inception. What value do I start with to find the true return from February 2014 to Febru...
by dbr
Wed Feb 10, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3620

Re: -24% Return over 2 years

EDIT: I think the above posters just said this while I was typing: If they're listing a personal return for you, it could also be factoring in when you, in particular, put money into funds (bi weekly from your paychecks) and how that money, in particular, are doing. For example, if I look at the pe...
by dbr
Wed Feb 10, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3620

Re: -24% Return over 2 years

Why not run an XIRR calc in Excel using the monthly contributions? then we'll what the number represents and what to compare it with. That is correct. We and you need to know what the returns were when different amounts of money were actually exposed to the market. That is the difference between wh...
by dbr
Wed Feb 10, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401k to stable value and lose no more principal
Replies: 14
Views: 1167

Re: Move 401k to stable value and lose no more principal

thanks all for the input; yield on stable value fund for past 12 months is +2.03 whereas TDF 2020 lost .31 and I don't see why with only 5 years until retirement my wife should see her 401k tank. She contributes the max plus catch-up and employer has a generous match. Maybe I am feeling a bit timid...
by dbr
Wed Feb 10, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Service
Replies: 21
Views: 2407

Re: Opinion on Vanguard Personal Advisor Service

**Update** After speaking with Vanguard this is the plan they came up with. Any thoughts? Goal analysis: Retirement Holdings by asset class Asset class Current Recommended U.S. large-cap stock Vanguard Total Stock Market Index Fund Admiral Shares $0 $90,720 $0 0% $90,720 38% U.S. mid/small-cap stoc...
by dbr
Wed Feb 10, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Looking for reassurance with 401k portfolio performance
Replies: 4
Views: 184

Re: Looking for reassurance with 401k portfolio performance

You could look here: http://portfoliosolutions.com/latest-learnings/blog/portfolio-solutions-30-year-market-forecast-2015 and notice from the standard deviations of returns estimated there that roughly speaking as much as one third of the time stocks can have returns in excess of 20% up or 20% down ...
by dbr
Wed Feb 10, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3517

Re: delicate conversation with grandparents

The easiest and most practical course is to proceed as if this money will never materialize. If you are asking people like me who don't know you and your family, that would probably be the obvious advice. I also wonder, even if this plan is locked solid in place, if planning on a windfall to cover c...
by dbr
Wed Feb 10, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Help--protecting mother's joint assets from father with dementia?
Replies: 15
Views: 1321

Re: Help--protecting mother's joint assets from father with dementia?

You can take your mother to see an elder care attorney. Maybe she can move assets to shield them from your father? I agree. I have seen a similar situation at near first hand. Going to court for a legal order of custody or guardianship seems to be a necessary step. That worked out very well in our ...
by dbr
Wed Feb 10, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Investment Advisory Service worth it?
Replies: 14
Views: 1179

Re: Is Vanguard Investment Advisory Service worth it?

Snaber: I agree with most of the other posters. There is a place for the Vanguard Advisory Services if a person knows nothing about investing (I have recommended it to my spouse in my "Dear Darlene" letter), it is much better than getting caught in variable annuities or 1.5% AUM fees. Tha...
by dbr
Wed Feb 10, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: helping someone start a business (under my name)
Replies: 3
Views: 152

Re: helping someone start a business (under my name)

I think you need to seek local legal advice from a qualified attorney in the country and jurisdiction where you want to attempt this, assuming you are in a country where civil law even works that way.
by dbr
Tue Feb 09, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $30k from a trust in a mutual fund?
Replies: 7
Views: 456

Re: Would you invest $30k from a trust in a mutual fund?

The title pretty much says it all. I am the trustee of a supplemental needs trust for my 70 year old aunt. The total assets of the trust will be about $38k after I prepay her funeral. I plan to keep 5-8k in a local savings account for immediate needs. She is currently on medicaid and I have spoken ...
by dbr
Tue Feb 09, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into bonds during a falling market?
Replies: 8
Views: 669

Re: Rebalance into bonds during a falling market?

Due to benign neglect over a number of years, my asset allocation in my 401K has drifted to be much more aggressive than I would prefer for my age. (53 years old, per my plan I should be around 68% equities, but I'm at about 78%.) I'm now *slowly* adjusting my AA, both by contributing a larger perc...
by dbr
Tue Feb 09, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3620

Re: -24% Return over 2 years

rrioux wrote:Sorry for the privacy violation...



The concern is for your privacy. It is probably a good idea not to place too much specific information about yourself on an internet forum.
by dbr
Tue Feb 09, 2016 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: -24% Return over 2 years
Replies: 47
Views: 3620

Re: -24% Return over 2 years

I would suspect some sort of misunderstanding or a miscalculation.
by dbr
Tue Feb 09, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: High school curriculum: Is filling out tax forms part of it?
Replies: 49
Views: 1185

Re: High school curriculum: Is filling out tax forms part of it?

I have never heard of any school around here doing such a thing. I have in fact thought of doing exactly that on an occasion or two, but I don't actually teach in the classroom. I agree it should be taught. It ought to be in civics if not in math if not in "things you need to know to live in so...
by dbr
Mon Feb 08, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Move 1M from 401k at 59 ½ ?
Replies: 17
Views: 2122

Re: Move 1M from 401k at 59 ½ ?

Personally, I like the idea of not having absolutely everything tied up at one firm. It could be inconvenient if/when there is an IT glitch or some reason the account gets frozen by overzealous fraud detectors or some other disconnect. There are some state dependent differences in liability protecti...
by dbr
Mon Feb 08, 2016 7:09 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2801

Re: Planning a High-Value Wedding Regardless of Cost

Further PS We did not serve alcohol at all at our wedding. That is not because we are teetotalers (ask me about single malts) but because it is unnecessary and there are lots of beverages that are as good or better. That especially means not trying to hire a bartender and bar service at some club or...
by dbr
Mon Feb 08, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2801

Re: Planning a High-Value Wedding Regardless of Cost

We got married at home and had a pot-luck reception with friends supplying decoration, food, music etc. I guess the whole thing was a few hundred bucks for the wedding and maybe 70 or 80 people at the reception. Biggest wedding costs were for the minister, flowers, and probably the most for family ...
by dbr
Mon Feb 08, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2801

Re: Planning a High-Value Wedding Regardless of Cost

We got married at home and had a pot-luck reception with friends supplying decoration, food, music etc. I guess the whole thing was a few hundred bucks for the wedding and maybe 70 or 80 people at the reception. Biggest wedding costs were for the minister, flowers, and probably the most for family d...
by dbr
Mon Feb 08, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: Vacation Homes
Replies: 43
Views: 4242

Re: Vacation Homes

I don't agree with you. This is not a Boglehead decision but a personal one. It depends on circumstances and desires. Like most decisions to buy homes, vacation or otherwise, this is a lifestyle decision more than a financial decision. I know lots of people who are very happy owning vacation homes. ...
by dbr
Mon Feb 08, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6060

Re: Sibling's destination wedding?

Did we ever get a definition of "destination wedding" by the op? Also, 10% of take home for a major family event? Yep, definitely would do it, particularly if I knew further in advance. No, and I'm sorry for choosing to be a little vague. It's hard to know if family (or friends of family)...
by dbr
Mon Feb 08, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Is 20 years long enough
Replies: 6
Views: 1647

Re: Is 20 years long enough

Four things: 1. The market is always volatile. It is not more volatile now than before in general. 2. Your investments should be balanced between stocks and bonds. Half in a total market stock fund and half in a total market bond fund would be an example. This tempers risk while also allowing for so...
by dbr
Mon Feb 08, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Moms $
Replies: 10
Views: 1343

Re: Moms $

It might be helpful to broaden the view on what you want to accomplish. If the general idea is to help her with some income for the indefinite future an example of a completely different idea is to buy her an SPIA (single premium immediate annuity). That would give up the $50,000 forever in exchange...
by dbr
Mon Feb 08, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6060

Re: Sibling's destination wedding?

Scotttheking wrote:Did we ever get a definition of "destination wedding" by the op?

Also, 10% of take home for a major family event? Yep, definitely would do it, particularly if I knew further in advance.
by dbr
Sun Feb 07, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7108

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

..... Also less likely to break (plastic instead of glass), last a long time, no mercury, etc. Okay, now I AM confused. The LED bulbs I bought I thought were made of glass. They sure felt like glass. Are there 2 kinds of LED bulbs - glass and plastic? :? See for example: http://www.geek.com/news/cr...
by dbr
Sun Feb 07, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Enhancing Yield with adjustments to the Total Bond Index
Replies: 21
Views: 1090

Re: Enhancing Yield with adjustments to the Total Bond Index

saltycaper wrote:"Enhancing yield" of a bond fund is just a euphemism for taking more risk. There's no secret formula here.


Which also repeats lack_ey's point that it is just about whether you want that risk added in credit risk or in the equity risk of the portfolio or in some other risk.
by dbr
Sun Feb 07, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: How to calculate annual standard deviation from monthly returns
Replies: 40
Views: 1413

Re: How to calculate annual standard deviation from monthly returns

What I don't understand is how to get "Mm" which is defined as the expected value of monthly returns . Why should I care about some "expected value" when dealing with historical data? "Expected" doesn't mean expected. It is stat-speak for average value of monthly retur...
by dbr
Sun Feb 07, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: would like to increase ss payment
Replies: 10
Views: 1241

Re: would like to increase ss payment

There is this: http://www.marketwatch.com/story/took-s ... 2012-11-30

I don't know if the file and suspend was not changed recently.

Why not call SS and ask?
by dbr
Sun Feb 07, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 2698

Re: Can a minor child sue former guardians for theft once they turn 18

Get thee to a lawyer. This forum is no place for legal advice.
by dbr
Sun Feb 07, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: is it realistic for me to retire in 15 years?
Replies: 22
Views: 2432

Re: is it realistic for me to retire in 15 years?

It's very sad that your primary objective at 28 seems to be retirement at 40. Disagree. The only benefit of working is getting money. If you have enough money, there's no need for work. This opinion, like yours, is neither here nor there for this conversation, though. I would disagree, the benefits...
by dbr
Sun Feb 07, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: is it realistic for me to retire in 15 years?
Replies: 22
Views: 2432

Re: is it realistic for me to retire in 15 years?

You can certainly retire in fifteen years if you want to. The question to be resolved is whether or not the income you will be able to live on then will be acceptable. There are a lot of models and calculations that can be done to try to predict what that income will be. You will have to immerse you...
by dbr
Sun Feb 07, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7108

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

I've been buying up incandescent bulbs and have almost five large bins filled with them. I can generally only find 60 watts or less now. They're just sitting in my attic waiting. My wife thinks I'm crazy. I've got a plan. I also have a stash of incandescents in the attic. Most places in my house ha...
by dbr
Sun Feb 07, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Enhancing Yield with adjustments to the Total Bond Index
Replies: 21
Views: 1090

Re: Enhancing Yield with adjustments to the Total Bond Index

I would think if one is going to look at general approaches to risk vs return one would consider the portfolio as a whole rather than "work" bonds in isolation. Perhaps there are some situations where one is thinking only of the bonds one owns. Like if you are retired and must live out of...
by dbr
Sun Feb 07, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging and Re-balancing
Replies: 7
Views: 508

Re: Dollar Cost Averaging and Re-balancing

It has always been recommended that people rebalance "on the fly" by directing new contributions to assets below target. It is not necessary to keep changing contributions around on a monthly basis, but when things are enough out of whack to make sense, contributions can be directed to eve...
by dbr
Sun Feb 07, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Enhancing Yield with adjustments to the Total Bond Index
Replies: 21
Views: 1090

Re: Enhancing Yield with adjustments to the Total Bond Index

I would think if one is going to look at general approaches to risk vs return one would consider the portfolio as a whole rather than "work" bonds in isolation. Perhaps there are some situations where one is thinking only of the bonds one owns.
by dbr
Sat Feb 06, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7108

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Prices of LEDs are finally dropping dramatically. Concerning the original OP and what the bathroom lighting reveals: that soft yellow, easy on the eyes lighting, is not what your going to look like in the daylight, and to everyone else. Ha ha, sorry.... -- Tet But at night by the soft light of cand...
by dbr
Sat Feb 06, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7108

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

My impetus to go LED was a single pesky ceiling light that risked life and limb on a ladder to change the bulb, which was happening frequently as that light was in constant use. CFLs are without doubt the crappiest, worst designed, and most undesirable product ever, so that was never a choice. After...
by dbr
Sat Feb 06, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Stock Allocation in Retirement
Replies: 10
Views: 1144

Re: Stock Allocation in Retirement

Here is a link to a New York Times article: http://www.nytimes.com/2016/02/06/your-money/why-your-portfolio-needs-plenty-of-stocks-whatever-your-age.html?src=me&_r=0 I wonder what other Bogleheads think about the author's opinion. Now that I am 81, I lowered my stock allocation from 25 percent ...
by dbr
Sat Feb 06, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1826

Re: Airllne carry on luggage size: recommendations?

Some of the European airlines are notoriously strict about size AND weight limitations, even when flying First or Business Class. Flying home from Vienna a month ago they had someone before security grabbing every one on that airline (maybe it was Austrian Air?), pulling them aside, and weighing an...
by dbr
Sat Feb 06, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Income
Replies: 5
Views: 672

Re: Retirement Income

PS This paper may be helpful:

https://personal.vanguard.com/pdf/s352.pdf

Thanks to mhalley from another thread.
by dbr
Sat Feb 06, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Airllne carry on luggage size: recommendations?
Replies: 24
Views: 1826

Re: Airllne carry on luggage size: recommendations?

For checked luggage I use a large two wheeled back-packable item from Victorinox. Wheels and handles are pretty well recessed it seems to me. I note they have a smaller, I think carry on, version like this: http://www.amazon.com/Victorinox-Luggage-Tourist-Black-Size/dp/B00863HAJ2/ref=sr_1_33?ie=UTF8...
by dbr
Sat Feb 06, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Income
Replies: 5
Views: 672

Re: Retirement Income

Thanks for the reply ...our expenses are only the normal household types. My R.E. taxes are about $500/mo. Neither of us are wildly extravagant and need a huge income stream to live and enjoy our "golden years". You are going to have to put some actual numbers on this to be able to get a ...
by dbr
Sat Feb 06, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Income @ 67 yrs. New to Forum
Replies: 5
Views: 866

Re: Retirement Income @ 67 yrs. New to Forum

Taking out 3% a year from around $400K is very reasonable. That gives you $12K/year which can be increased to pace inflation. Assuming you are talking about investments in taxable accounts you are going to have to list exactly what you have to get meaningful advice. Important information is what fee...
by dbr
Fri Feb 05, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping track of tax loss harvesting
Replies: 3
Views: 280

Re: Keeping track of tax loss harvesting

As above. Vanguard does not fill out your tax forms for you. You need to keep your tax forms, tax worksheets, etc., specifically the Capital Loss Carryover Worksheet, which is not part of your filed tax return. A good way to keep all this stuff is to use tax software and print out the entirety as a ...
by dbr
Fri Feb 05, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7108

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Had the same problem. Bought a bunch of cheap energy saving bulbs at Home Depot and everything looks horrible. But the worst part of it is the lights take about 5 minutes to really turn on. When you hit the switch it's almost like nothing has happened. They verrrry slowly become brighter. Thought a...
by dbr
Fri Feb 05, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Account
Replies: 12
Views: 514

Re: UTMA Account

Over at Fairmark.com there is a sampling of postings from people dealing with non-cooperative-custodian issues. Things seem to range from simple confusion to outright dastardly behavior.

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