Search found 214 matches

by fidelio
Thu Feb 11, 2016 9:47 am
Forum: Investing - Theory, News & General
Topic: Does net worth and age determine % bond allocation?
Replies: 53
Views: 5301

Re: Does net worth and age determine % bond allocation?

i've arrived at the numbers 80/20% bonds/stocks in recent years, and i'm very comfortable (this is the main thing, in my view). i'm 64 and retired at 60, and one thing that may be different in my stable is likely the prevalence of income: a nice pension; a fantastic rental property (where i have liv...
by fidelio
Wed Feb 10, 2016 11:55 pm
Forum: Investing - Theory, News & General
Topic: Skill vs luck in stock picking
Replies: 32
Views: 2304

Re: Skill vs luck in stock picking

i hope this post doesn't appear glib or oversimplified, but for many years in my youth i picked (tried to pick?) winners, and the problem / overriding question for me was "when the heck do you sell the thing?" i don't think anyone mentioned this w/ any vigor above, and i may just be a bit ...
by fidelio
Wed Feb 10, 2016 11:08 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein's "If You Can" Portfolio
Replies: 39
Views: 4753

Re: William Bernstein's "If You Can" Portfolio

my son is 28 and i've been gently nudging him to execute some kind of investing, and i can testify to how much he hates to "lose" money (which i have mostly suppplied, for the purpose of investing). as least he's into a target fund now, and thirds would be brillaint. it's a scary world out...
by fidelio
Wed Feb 03, 2016 7:40 am
Forum: Investing - Theory, News & General
Topic: [CNBC interview:] Investing legend Jack Bogle: 'Stay the course'
Replies: 13
Views: 2268

Re: [CNBC interview:] Investing legend Jack Bogle: 'Stay the course'

mr. bogle in interview: "don't do something, just stand there."
by fidelio
Wed Feb 03, 2016 7:00 am
Forum: Investing - Theory, News & General
Topic: "6-reasons-we-lost-money-on-our-first-rental-property"
Replies: 21
Views: 5002

Re: "6-reasons-we-lost-money-on-our-first-rental-property"

i had a specific plan to have a rental as an indispensible component of my retirement plan. i had some of the same issues as the fellow who is the subject of this posting, but had better luck. it really can be all timing. but there was a fundamental difference which was that, while i didn't know wha...
by fidelio
Wed Feb 03, 2016 6:03 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Is Still a Hard Sell"
Replies: 24
Views: 4548

Re: "Why Simple Is Still a Hard Sell"

i'm crazy about the idea of a two-funder, but the realities of our investing history won't allow it for most of us (see taylor's discussion of this above, reflected in the evolution of his investing over the decades). for better or worse, soon i will have no taxable money to worry about, which is fi...
by fidelio
Wed Feb 03, 2016 4:50 am
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 105
Views: 10059

Re: How important is an international allocation?

substitute "small value tilt" for "international" and it's pretty much the same thing - or maybe "reit fund" .... it seems perhaps all that's needed is a broadbased low-fee equity fund and some kind of fixed income apportioned in a logical manner ("the two-fund por...
by fidelio
Wed Feb 03, 2016 3:13 am
Forum: Investing - Theory, News & General
Topic: Would you cash in a 6 month and 9 month CD early to invest in this market or wait?
Replies: 7
Views: 970

Re: Would you cash in a 6 month and 9 month CD early to invest in this market or wait?

+1 to kevin.

we all need an investing philosophy; the amts. involved would only be a few dollars unless you have many to invest, in which case, why ask us??
by fidelio
Fri Jan 22, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 2531

Re: Films or TV with great period sets

didn't notice anyone mention bbc production of agatha christies "poirot." fantastic sets, costumes, steam trains. don't know how they did it on a tv budget. just excellent.
by fidelio
Fri Jan 22, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6031

Re: Best place to live in CA for a young family

i don't know why i'm sticking my neck out, but -- montrose / la crescenta. do your own investigation; obviously you need to visit. one good thing is its relative quaintness and proximity to l.a., pasadena, and the mountains: good public schools (elementary through high) -- yes. my son went to all th...
by fidelio
Sun Jan 17, 2016 4:16 am
Forum: Investing - Theory, News & General
Topic: Even good market timing can fail
Replies: 4
Views: 958

Re: Even good market timing can fail

i guess then it becomes "bad" market timing ....
by fidelio
Fri Jan 15, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: Is VITPX is the most cheapest of all index mutual funds?
Replies: 15
Views: 1512

Re: Is VITPX is the most cheapest of all index mutual funds?

fwiw, fido has a us stock fund in my 401k that weighs in at .01%; not sure that "counts," being in a retirement fund (presumably my huge employer negotiated the number). in general, fido's index funds tend to be around where vanguard's are - .05, .07%.
by fidelio
Fri Jan 15, 2016 5:56 am
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 8827

Re: How common is this [Have more money 10+ years into retirement]

retired almost five years, my net worth has grown greatly in retirement, but due entirely to the doubling of the value of a rental property which is an integral part of my retirement plan. i purchased it during the crash, from a bank. it was unlivable, and i spent quite a bit of money and time getti...
by fidelio
Sun Dec 20, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: International Bonds in Target funds
Replies: 24
Views: 2332

Re: International Bonds in Target funds

let's see, this is not the "vanguard-head" forum, but "bogle-head." while i know well all the benefits of vanguard investments, most of my money is at fido in a 401k. they have plenty of index funds (i'm aware that this is probably only bcs. of vanguard). and jack bogle doesn't e...
by fidelio
Sun Dec 20, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: A perfect storm for investors
Replies: 90
Views: 11553

Re: A perfect storm for investors

man-oh-man i feel almost guilty having retired w/ a pension and all the other goodies four yrs ago. i'm down to 20% equities and have low expectations, but i've already made my pile. it's difficult discussing all this w/ my son. he has a little money to invest, but knows what a p/e ratio is and feel...
by fidelio
Sun Dec 20, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9601

Re: I would like to play the Boglehead car game too

it's funny how much play the "car game" posts get .... anyway, i agree w/ dbr (as per usual) -- this is a "serious" issue vis-a-vis the wife if she's talking pizza delivery guys, etc. i agree also w/ the m.d. who stated the other guys at your practice won't care (but pls. no bimm...
by fidelio
Wed Dec 16, 2015 4:33 am
Forum: Investing - Theory, News & General
Topic: Should I follow Jack Bogle in "I don't do International"
Replies: 90
Views: 7391

Re: Should I follow Jack Bogle in "I don't do International"

i'm mostly in the "doesn't matter much" camp, but on the other hand there is some "free" diversification there. i think my equities are about 10% int'l and 10% reits. i have no secret formula, or belief that one day i will get a huge payoff for this brilliant asset allocation, bu...
by fidelio
Tue Dec 15, 2015 7:17 am
Forum: Investing - Theory, News & General
Topic: "Winning the Game"
Replies: 46
Views: 5939

Re: "Winning the Game"

i'm at 133% of the needed savings, based on larry's formula (33x annual needs). this is only due to having a pension and a rental property. presumably this means that i can "play" w/ some percentange of my investments .... i like what bernstein has to say on this. i therefore have a large ...
by fidelio
Thu Dec 10, 2015 1:12 am
Forum: Investing - Theory, News & General
Topic: The Real Value of Paying Off a Mortgage Early
Replies: 56
Views: 6256

Re: The Real Value of Paying Off a Mortgage Early

here's a scenario that has nothing directly to do w/ your line of thought, but is a true story! and hopefully shows a whole non-arithmetical dimension to it .... one of my pre-retirement needs was the acqusition of a rental property. my one large asset, aside from retirement money which i could not ...
by fidelio
Tue Dec 08, 2015 5:07 am
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 154
Views: 30422

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

wellesley, or total world stock w/ a bunch of treasuries to achieve the desired asset allocation. i'm 64, retired. if older, maybe the target fund that's 70/30 bonds/stocks.
by fidelio
Tue Nov 17, 2015 1:39 am
Forum: Investing - Theory, News & General
Topic: With Fed Reserve threatening a rate hike, should I wait until January to buy vaguard's bond funds?
Replies: 30
Views: 3720

Re: With Fed Reserve threatening a rate hike, should I wait until January to buy vaguard's bond funds?

you may be better served by posting this ques. in "Investing - Help with Personal Investments" on this forum. having said that, you probably should have more than under 1% of your port. in bonds. vanguard would rec. 10-30% depending on the fund. as several posters have stated, pick an asse...
by fidelio
Wed Nov 11, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: Watch under $100
Replies: 46
Views: 3833

Re: Watch under $100

http://www.jomashop.com/seiko-5-sport-m ... nzg07.html

fossil nixon and swatch make under-100 analog watches that are decent, not gaudy. i'd go seiko or swatch at that price.
by fidelio
Mon Nov 09, 2015 5:48 am
Forum: Investing - Theory, News & General
Topic: Hedge fund for the masses?
Replies: 72
Views: 5310

Re: Hedge fund for the masses?

no offense to anyone, but why would a boglehead even be interested in such a wall street boutique? i looked at the site for laughs, and while i might also invest something just to see what happens (ha ha no minimum, right?), i have no idea what they're doing, and no real interest in finding the secr...
by fidelio
Mon Nov 09, 2015 5:39 am
Forum: Investing - Theory, News & General
Topic: Suggested Best Practices During A Rising Interest Rate Environment
Replies: 57
Views: 7016

Re: Suggested Best Practices During A Rising Interest Rate Environment

i retired a few years ago and have most of my f.i. dollars in a stable value fund. i did follow the perceived "wisdom" here, and dumped all the rest of my f.i. into short term bond funds. i eventually grew tired of that, as the predicted bond crisis never occurred, liquidated the short ter...
by fidelio
Fri Oct 30, 2015 5:59 am
Forum: Investing - Theory, News & General
Topic: Building a Nest Egg for young kids
Replies: 10
Views: 1408

Re: Building a Nest Egg for young kids

i tend to agree w/ malabar. my son is 28 and he has his pricey b.f.a. in hand, and is doing ok. i had a 529 which didn't come close to paying for his degree, but we managed w/ a little help from grandma. i have significant assets including a roth and a rental property, which i'd have to live to 110 ...
by fidelio
Thu Oct 29, 2015 2:01 am
Forum: Investing - Theory, News & General
Topic: Market timing 2-year treasuries using Martingale-style bets
Replies: 87
Views: 4129

Re: Market timing 2-year treasuries using Martingale-style bets

hhmmm .... i have an old friend who is a vascular surgeon. about 15-20 yrs. ago, he got involved in day trading. he was pretty sick of amputating feet and explained to me his reasoning as to how he couldn't lose as he had a t-1 line to some orange co. brokerage, etc., always made dollars on the upsw...
by fidelio
Sun Oct 25, 2015 2:51 am
Forum: Investing - Theory, News & General
Topic: Current Oil Inventory
Replies: 25
Views: 2275

Re: Current Oil Inventory

so, in other words, opec had a plan all along to manipulate prices down to a level at which the us fracking enterprises would dissappear?
by fidelio
Sun Oct 25, 2015 12:39 am
Forum: Investing - Theory, News & General
Topic: Reading Larry Swedroe's book, very confused now...
Replies: 77
Views: 7729

Re: Reading Larry Swedroe's book, very confused now...

i dunno, seems brilliant in some ways, incorporating overall equity markets w/ a small value tilt while managing to be over half treasuries. i'm not considering this, as i've got my allocation about where i want it (very conservative, being 4 yrs. into retirement). but i think i could get behind it ...
by fidelio
Sat Oct 24, 2015 11:36 pm
Forum: Investing - Theory, News & General
Topic: update on Mr. Bogle`s investment thoughts
Replies: 37
Views: 4606

Re: update on Mr. Bogle`s investment thoughts

hhmmm .... i do have some int'l equities; "diversification" can obviously mean diff. things to diff. investors. but there is a temptation to simplify even more and follow mr. bogel's lead. frankly, if the US economy goes the way of japan, we're all toast anyway. it doesn't feel right to se...
by fidelio
Tue Oct 20, 2015 7:49 am
Forum: Investing - Theory, News & General
Topic: William Bernstein: Minimize Your Risk in Bonds
Replies: 16
Views: 3596

Re: William Bernstein: Minimize Your Risk in Bonds

i would tend to agree with the avoidance of bond funds in general. i have treasuries and cd's, but a huge chunk of my 401k in a stable value fund -- the only f.i. available aside from the usual bond funds. afaik these things remain relatively safe, but there is not a lot of news / noise about them, ...
by fidelio
Fri Sep 25, 2015 3:52 am
Forum: Investing - Theory, News & General
Topic: Rebalance with what after "winning the game"?
Replies: 70
Views: 7631

Re: Rebalance with what after "winning the game"?

i am soemwhat of a camp follower of dr. bernstein, and while i haven't done many fancy calculations, under close scrutiny my savings would appear to fulfill the "won the game" number, exclusive of my roth. in other words, i don't even count the roth in my swr calcs. (at about 2.5% currentl...
by fidelio
Fri Sep 25, 2015 3:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 127
Views: 17945

Re: Vanguard - Four Fund Portfolio

my roth is at fido, which is the only place i would consider foreign bonds. fido has 4 or 5 such offerings, but the lowest fees are almost 1%, no index funds. i therefore have passed on having any foreign bond funds. it's a remote possibility that i could pick some up after the bond situation has pr...
by fidelio
Fri Sep 25, 2015 2:44 am
Forum: Investing - Theory, News & General
Topic: Gundlach: What to do when the Fed raises rates
Replies: 23
Views: 2750

Re: Gundlach: What to do when the Fed raises rates

yes, all the charts + predictions give me an anxiety headache. i presently have an a.a. with which i am perfectly comfortable, and which presents little or no danger of leading to panic selling. in any case, i think the way to go is to set one's a.a. and stick w/ it, rather than predicting the futur...
by fidelio
Fri Sep 25, 2015 2:38 am
Forum: Investing - Theory, News & General
Topic: I feel like going 100% Bonds, but am staying the course
Replies: 85
Views: 7180

Re: I feel like going 100% Bonds, but am staying the course

i'm already retired and made my pile in the pre-retirement era. fwiw i recently adjusted my a.a. to 20% equities (index funds of diff. types, very low fees) and 80% f.i., mostly consisting of t-notes, cd's, a few ibonds and a stable value fund. i'm perfectly comfortable w/ this line-up, and view it ...
by fidelio
Thu Sep 17, 2015 5:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds
Replies: 26
Views: 3182

Re: Vanguard Target Date Funds

i'm happily retired, and saved a pile in various ira's and a 401k; but i'm just a knucklehead average working stiff, and the only way i managed this is by saving in a very conservative way every paycheck for many years, never anywhere near 80 or 90% equities. i made some mistakes (japan, youthful at...
by fidelio
Wed Sep 16, 2015 4:56 am
Forum: Investing - Theory, News & General
Topic: Admiral @ Fidelity?
Replies: 17
Views: 2902

Re: Admiral @ Fidelity?

i had the same issue once upon a time and decided to just buy fido spartan funds, as i had 401k at fido and no option to totally exit. seventy-five bucks was a deal killer. it's all the same stocks. no doubt fido wouldn't have their spartan index funds if it wasn't for vanguard, and the ugly truth i...
by fidelio
Tue Sep 15, 2015 4:09 am
Forum: Investing - Theory, News & General
Topic: The 3 Bucket Portfolio - for retirement
Replies: 24
Views: 2132

Re: The 3 Bucket Portfolio - for retirement

for me, already retired, the "bucket" approach was a natural as my dollars are divided amongst taxable, multiple iras, and a large 401k. each has become a bucket, and there are no replentishing mechanics needed. i simply maintain my a.a. overall, and have the buckets identified by which ge...
by fidelio
Fri Sep 04, 2015 5:40 am
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 5630

Re: spending in retirement?

i'm 64, retired at 60, and i'm definitely spending a little more, only bcs, as a couple of bh's above have stated, i was living very frugally while working. i saved a huge amt. in my 401k, and got a fantastic retirement package that includes health care and a pension. i also put together a rental pr...
by fidelio
Tue Aug 25, 2015 12:30 am
Forum: Investing - Theory, News & General
Topic: What to buy
Replies: 2
Views: 508

Re: What to buy

i'm no investment guru but retired w/ more $$ than i can spend (no such thing, right??) about four years ago, having accumulated various ira's, 401k's, etc. i have a cat, not a kitten, but mature like me. cost me $400 (a bengal) -- best investment i ever made. anyway, the reason i am posting a respo...
by fidelio
Sat Jul 04, 2015 2:48 am
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 46
Views: 4483

Re: Spending from separate retirement buckets

retired three yrs., do have a "bucket" system of sorts. due to having various segegated ira's and a large 401k after 22 yrs. at a big co., it's easiest to just spend down each account in order (taxable, ira, 401k, roth), and i've set up the investments accordingly. spending taxable first, ...
by fidelio
Wed Jun 17, 2015 3:05 am
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5265

Re: Non-Bogleheads approach to changing cars?

well, having had 42 cars in 63 yrs., by my count, i make no claims to having a sensible car history. my first was a '54 v-dub, 2d a '58 ford bought at a junkyard for $35. i had ten when i was 19, all for under $100, including matched rambler wagons (a $5 and a 10), one supposed to be for parts .... ...
by fidelio
Thu Jun 11, 2015 8:29 am
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 9581

Re: Wellington & Wellesley

as partially pointed out above, they are not truly active funds, but consistently follow a formula -- as articulated in the fund literature, if one is interested. the fund managers do not go around buying random stocks, but stick to their formulae, which involve specific types of equities, divedend ...
by fidelio
Tue May 05, 2015 2:03 am
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 86
Views: 8262

Re: Luxury Car

audi a7 diesel.
by fidelio
Fri May 01, 2015 12:42 am
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 3219

Re: Karate for kids—Thoughts?

my son started kempo karate at a young age. in his case, it was a good thing as he stayed with it and after all the belt tests eventually acheived a jr. black belt in his teens, which gave him a big feeling of accomplishment. he had a formidible teacher, for whom he he developed respect, and i think...
by fidelio
Sun Apr 26, 2015 2:06 am
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 4449

Re: MB vs Volvo vs. Other?

volvo.
by fidelio
Sat Apr 25, 2015 4:57 am
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 48
Views: 5578

Re: Do you Bogleheads really follow the 3-4% SWR rule?

retired three years, started out w/ various swr schemes. i've found 2.5% does it for me, at least for the time being. that number is not really accurate, as i've spent some dollars on home improvement this year.
by fidelio
Mon Apr 20, 2015 11:37 pm
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 4210

Re: Has anyone changed their asset allocation

been retired three years, sold my stock that i held in taxable as i'll need to spend it during this decade, purchased cd's -- liqudating taxable first, ira next, etc. so, not exactly a market timing action, even though it did affect the stock / bond ratio slightly, but "retirement spending timi...
by fidelio
Wed Apr 15, 2015 4:17 am
Forum: Investing - Theory, News & General
Topic: Take mortgage on primary residence to buy rental property?
Replies: 8
Views: 1107

Re: Take mortgage on primary residence to buy rental propert

i did something like that in executing my retirement plan, which included a rental property. i purchased a condo from a bank, in terrible shape, but in a high end building, and paid cash, obtaining the needed cash in part from implementing one of the options discussed by the op, mortgaging my almost...
by fidelio
Tue Apr 14, 2015 3:46 am
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 5256

Re: Beach vacation in So Cal

l.a. native says laguna beach. hotels in all price ranges, some decent restaurants, nice orange co. setting away from the madding crowd.
by fidelio
Mon Dec 22, 2014 7:30 am
Forum: Investing - Theory, News & General
Topic: Keynes’s Investment Principles
Replies: 23
Views: 4254

Re: Keynes’s Investment Principles

interesting to note that john bogle wrote the foreword to wasik's book on keynes' investing history.

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