Search found 7252 matches

by grok87
Sat Apr 29, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 19
Views: 1199

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

so i would be cautious about those transfer bonuses for rollover iras and the like. I recently transferred an ira to fido. i asked if they could give me a check for the transfer bonus. they said no that it had to go into the ira account. that sort of freaked me out as i figured it would somehow cou...
by grok87
Sat Apr 29, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 19
Views: 1199

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

so i would be cautious about those transfer bonuses for rollover iras and the like. I recently transferred an ira to fido. i asked if they could give me a check for the transfer bonus. they said no that it had to go into the ira account. that sort of freaked me out as i figured it would somehow coun...
by grok87
Sat Apr 29, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 61
Views: 3304

Re: Microsoft, I want my computer back!

My best friend is a big PC guy. He's having constant problems similar to those you describe. I'm a Mac guy. No problems. He doesn't want to hear about it. +1 apple has its own set of issues (outrageous prices, incompatibility with other ecosytems, arrogance). But in general their stuff works. i hav...
by grok87
Sat Apr 29, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio feedback for recent grad!
Replies: 10
Views: 532

Re: Portfolio feedback for recent grad!

Hi Matt, Welcome to the forum. For your house money i would recommend Ibonds. Be aware that you can't withdraw for a year though. But you get tax shelteRed interest at a good rate with no risk of loss of principal. I think the rest of your choices look fine. As far as your question on the student l...
by grok87
Fri Apr 28, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio feedback for recent grad!
Replies: 10
Views: 532

Re: Portfolio feedback for recent grad!

Hi Matt, Welcome to the forum. For your house money i would recommend Ibonds. Be aware that you can't withdraw for a year though. But you get tax shelteRed interest at a good rate with no risk of loss of principal. I think the rest of your choices look fine. As far as your question on the student lo...
by grok87
Fri Apr 28, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Beginner portfolio advice requested.
Replies: 4
Views: 243

Re: Beginner portfolio advice requested.

I am new to the Vanguard Roth IRA and am trying to sort out my portfolio. I have read a lot on the different ETF's, but of course still have many questions. Here are my stats to consider: -I have 30+ years to retirement. Musician. I will probably always be working in some fashion even in "reti...
by grok87
Wed Apr 26, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Need a "grabber" on a telescoping pole...
Replies: 8
Views: 873

Re: Need a "grabber" on a telescoping pole...

Lowes and Amazon have the product below in various lengths that meet your needs. In this case Lowes is cheaper. https://m.lowes.com/pd/E-Z-Reacher-96-in-Pro-Collapsible/3702026 interesting. 8 feet. no reviews though- i wonder if it is any good You can find reviews on Amazon for their products of va...
by grok87
Tue Apr 25, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

I'm not sure i understand why a tips ladder has reinvestment riSk? I don't there is any in the distribution phase. I guess there is some in the building phase. But with real yields so low i think the risk is pretty minimal. I'm not sure what the original person who said this meant. Beyond the previ...
by grok87
Mon Apr 24, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

I'm not sure i understand why a tips ladder has reinvestment riSk? I imagine it means this for someone who needs to assure real income for over 30 years: (a) it's not clear what TIPS products will exist in 30 years when you may need to reinvest proceeds for years beyond; i.e. --- at what maturities...
by grok87
Mon Apr 24, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Need a "grabber" on a telescoping pole...
Replies: 8
Views: 873

Re: Need a "grabber" on a telescoping pole...

Silk McCue wrote:Lowes and Amazon have the product below in various lengths that meet your needs. In this case Lowes is cheaper.

https://m.lowes.com/pd/E-Z-Reacher-96-i ... le/3702026

interesting. 8 feet. no reviews though- i wonder if it is any good
by grok87
Mon Apr 24, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

The key point is that all three choices—an inflation-adjusted annuity, TIPS ladder or short-bond portfolio—or any combination of them would match the retiree’s annual needs well, because they all provide a known stream of income and principal over the years. A portfolio starting at 60% bonds and 40...
by grok87
Sun Apr 23, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

Rarely does someone advocating using an LMP duration match. For instance I have never read anything by William Bernstein, the chief proponent of LMP, where he duration matches assets to liabilities prior to retirement. See the following quote and linked article by Bernstein where he discusses LMP. ...
by grok87
Sun Apr 23, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

Doc wrote:
grok87 wrote:My liability matching portfolio is aimed at replicating a pension since i don't have one

I always wondered why you would want to fund a 30 yr LMP with real yields at rock bottom instead of taking more risk until yields improved. Now I know. :sharebeer

thanks
:sharebeer
by grok87
Sun Apr 23, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

We will have one corporate pension and one public pension. Currently the corporate pension gets a one percent annual increase and the public pension gets a three percent annual increase. Our retirement portfolio is about 45/55 equity to fixed income with contributions going 50/50 into total stock m...
by grok87
Sun Apr 23, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Market Neutral Fund
Replies: 11
Views: 1690

Re: Vanguard's Market Neutral Fund

For the 1999-present comparison, I'm guessing the fund's pre-Vanguard fees were probably considerably higher. And there is some question of how to count the performance before it was a Vanguard fund, and how to attribute things when it was subadvised partly by AXA Rosenberg (which was ditched in 20...
by grok87
Sat Apr 22, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 9218

Re: Why are pensions revered, but annuities reviled?

bberris wrote: The names keep changing to protect the guilty.


nice phrase
by grok87
Sat Apr 22, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

Gee... well, bonds are generally for safety, and equity is for risk, and hopefully return. One is safe and conservative, and one is risky and aggressive. Personally, I go for 15% of this, and 85% of that, thank you... but as far as my pension goes, I just want the result, i.e. the guarantee. I'd pr...
by grok87
Sat Apr 22, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 9218

Re: Why are pensions revered, but annuities reviled?

I think regular fixed annuities make a lot of sense (spia). But there are still a bunch of issues: 1) you have to buy it yourself and may get ripped off on price. Pensions are much nicer as they are instituional vs retail pricing. 2) corporate pensions are federally backed up to certain limits. Wher...
by grok87
Sat Apr 22, 2017 7:52 am
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

You're lucky to have a pension. I'm basically trying to recreate that with my liability matching portfolio strategy (LMP). It's small - SS is more significant for me, but I'll take what I can get. And between the two of them, and my small (but still growing) LMP built mostly with 30 year TIPS, my e...
by grok87
Sat Apr 22, 2017 7:25 am
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

Gee... well, bonds are generally for safety, and equity is for risk, and hopefully return. One is safe and conservative, and one is risky and aggressive. Personally, I go for 15% of this, and 85% of that, thank you... but as far as my pension goes, I just want the result, i.e. the guarantee. I'd pr...
by grok87
Fri Apr 21, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Norway, Denmark and Sweden
Replies: 9
Views: 683

Re: Investing in Norway, Denmark and Sweden

So personally i'm not doing a lot of tilting these days, sticking to total stock market and total international stock market. But I think some Bogleheads do tilt towards certain factors such as high quality, low volatility etc.. I thought it might be interesting to look at say the country distributi...
by grok87
Fri Apr 21, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Norway, Denmark and Sweden
Replies: 9
Views: 683

Re: Investing in Norway, Denmark and Sweden

Hello guys, For some time now, I've been researching different ways to invest in Norway, Denmark and Sweden. The reason for this is that I want to diversify a bit and the Nordic countries (I think) have the potential to provide steady returns in the long run (due to a number of factors, such as wel...
by grok87
Fri Apr 21, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

Re: LMP-1: P&I article on corporate & public pension plans

Staying the course. I am not willing to take more risk for questionable returns. There is saying "more money has been lost reaching for yield than at point of a gun" - insert "return" for yield. The public pension funds find themselves between a rock and a hard place, they shoul...
by grok87
Thu Apr 20, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: LMP-1: P&I article on corporate & public pension plans
Replies: 25
Views: 1692

LMP-1: P&I article on corporate & public pension plans

LMP-1: P&I article on corporate & public pension plans LMP = Liability Matching Portfolio This article from Pensions & Investments magazine discusses the diverging investment strategies of corporate pension plans vs public (ie municipal) pension plans. http://m.pionline.com/article/20170...
by grok87
Mon Apr 10, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3816

Re: Value of having TIPS funds?

It seems that many Bogleheads will not tolerate a moderate-to-high level of volatility in their fixed income allocation. "Bonds are for safety" and "Take your risk on the equity side" are reasonable mantras and many investors are wise to follow them. But in my opinion they shoul...
by grok87
Sat Apr 08, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3816

Re: Value of having TIPS funds?

Karen Wallace of Morningstar wrote in “Handy Weapons in an Inflation Fighter's Arsenal” (please feel free to read her article) : This is important to note because although TIPS mutual funds and ETFs hold bonds whose principal values adjust along with inflation, the funds themselves don't have a mat...
by grok87
Fri Apr 07, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Value of having TIPS funds?
Replies: 35
Views: 3816

Re: Value of having TIPS funds?

Can you explain a bit more about the higher expense ratio. Is it some crazy pimcco fund?
by grok87
Thu Apr 06, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

I didn't realize it was closed to tax-advantaged accounts. Clarified status with a Vanguard representative. The Treasury Money market Fund is actually open to all acounts at the 50k minimum... Even though the info in the fund Fees & Minimums tab on the website shows it's available only to new m...
by grok87
Mon Apr 03, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

The Federal and Prime funds are a hodge-podge since the October reform. Dated 02/28/17, the Prime fund had twenty percent in Treasuries, and less than five in commercial paper, with majority in Foreign/Yankee. The Federal Fund had over half in Treasuries (it was one third Treasuries, Agencies, Repo...
by grok87
Sun Apr 02, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

3) If I can believe that the Federal money market fund is sorta kinda widely generally regarded as pretty darn safe except-of-course-for-but-what-are-the-chances... so why not just use the treasury money market- VUSXX. This is what i'm doing. as per the federal money market's strategy page The fund...
by grok87
Sun Apr 02, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

Based on history, I think the rate will gradually increase toward the 1-month Treasury yield, which has tended to hug the bottom of the federal funds rate target range. So I think the fund yield will approach 0.70% or so, but it might take 2-3 months. Last FFR increase, to 0.50-0.75%, was mid-Decem...
by grok87
Sun Apr 02, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4159

Re: Help me respond to an angry insurance agent!

neilpilot wrote:simply ignore him

+1
by grok87
Sat Apr 01, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

Chart of VUSXX SEC yield and 1-month Treasury yield: https://s29.postimg.org/s8s99ow07/VUSXX_and_DGS1_MO.png The fund yield does seem to lag the Treasury yield. Portfolio turnover rate seems like a reasonable explanation. Weighted average life is 94 days. The reason for the lag is that money-market...
by grok87
Sat Apr 01, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

Chart of VUSXX SEC yield and 1-month Treasury yield: https://s29.postimg.org/s8s99ow07/VUSXX_and_DGS1_MO.png The fund yield does seem to lag the Treasury yield. Portfolio turnover rate seems like a reasonable explanation. Weighted average life is 94 days. The reason for the lag is that money-market...
by grok87
Fri Mar 31, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

i'm trying to figure out why the yield on the Vanguard Treasury Money Market (VUSXX) isn't higher. the fund has an average maturity of 53 days. so call it 2 months. as per the fed website the 1 month bill is at 0.75% and the 3 month at 0.77%. So let's say 2 month should be 0.76%. subtract off the 9...
by grok87
Fri Mar 31, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 4403

Re: Prime Money Market Fund vs. Federal Money Market Fund

Interesting. Currently with yields at .86% for Prime Admiral vs .57% for Federal MM, that's a .29% spread. I suppose Prime comes with a tad more risk, but is it really 50% more risky? That's the spread difference. Can't imagine that is the case. Thinking of moving to Prime MM in my IRA til I alloca...
by grok87
Wed Mar 29, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Covered Calls - LEAPS
Replies: 7
Views: 802

Re: Selling Covered Calls - LEAPS

Hello all, I am aware that these forums is against individual equities and options. I have a question though and would love a response from experienced people. I have certain positions... Apple, Facebook, Alibaba, Microsoft, Celgene, JP Morgan, Abbvie, Goldman Sachs where I have more than 100 share...
by grok87
Mon Mar 27, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Your Experiences with Risk Tolerance and having smaller versus larger account balances
Replies: 24
Views: 2062

Re: Your Experiences with Risk Tolerance and having smaller versus larger account balances

Wanted to thank everyone for their input and responses. It does seem like having captured the equity risk premium the last eight years I am feeling like it would be wise to start banking some of those gains. I realize this smacks of market timing because it essentially is. But, I suppose it's bette...
by grok87
Sun Mar 26, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?
Replies: 35
Views: 4170

Re: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?

I am helping a relative consider Long-Term Care Insurance (LTCI) options. It’s a volatile market and major insurers are leaving the business. We’re only looking at highly rated (financially sound) companies – but in 2017, they’re charging a fortune! I’ve read old posts on this forum and even a few ...
by grok87
Fri Mar 24, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Your Experiences with Risk Tolerance and having smaller versus larger account balances
Replies: 24
Views: 2062

Re: Your Experiences with Risk Tolerance and having smaller versus larger account balances

So congrats on your investing success! This reply is probably going to come off as somewhat negative, so apologies in advance... 1) "i have a stable job"- well you have a 401k right. So you are employed in the private sector by some sort of large cap corporation? By my definition you have...
by grok87
Wed Mar 22, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Your Experiences with Risk Tolerance and having smaller versus larger account balances
Replies: 24
Views: 2062

Re: Your Experiences with Risk Tolerance and having smaller versus larger account balances

My question is this: Have any of you realized your risk tolerance changed as a result of your account balance increasing not due to age or other life factors? I was invested 100% in stocks and continued to buy not selling at all right through 2008-2009. In 2014 or so I found this site and was persu...
by grok87
Tue Mar 21, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate Timing Problem
Replies: 20
Views: 1701

Re: Safe Withdrawal Rate Timing Problem

I am wondering if there is a bias built into planning retirement based on historical success probabilities. For example, let's say that you run the numbers and determine that at a 4% WR you will run out of money in only 5% of historical 30 year periods. You decide that this is an acceptable risk an...
by grok87
Sat Mar 18, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bought my first individual TIPS, now I am in love!
Replies: 34
Views: 4107

Re: Bought my first individual TIPS, now I am in love!

Not much info as to why you love them so much. I wouldn't come close to loving them in this low inflation environment. the latest year over year cpi was 2.7%- not sure i'd consider that low any more. https://www.bls.gov/news.release/cpi.nr0.htm Seasonally adjusted changes from preceding month Un- a...
by grok87
Sat Mar 18, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Bought my first individual TIPS, now I am in love!
Replies: 34
Views: 4107

Re: Bought my first individual TIPS, now I am in love!

Not much info as to why you love them so much. I wouldn't come close to loving them in this low inflation environment. the latest year over year cpi was 2.7%- not sure i'd consider that low any more. https://www.bls.gov/news.release/cpi.nr0.htm Seasonally adjusted changes from preceding month Un- a...
by grok87
Thu Mar 16, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bought my first individual TIPS, now I am in love!
Replies: 34
Views: 4107

Re: Bought my first individual TIPS, now I am in love!

TheTimeLord wrote:I bought my first individual TIPS as part of my liability matching for my pre-SS retirement years and now I think I am love. Any other BH as enthusiastic about TIPS as part of liability matching as I am? Or do you think they are going to break my heart?

I'm a tips enthusiast
by grok87
Thu Mar 16, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 169
Views: 36353

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

... We all know that we cannot make any assumptions about which specific asset class or style will perform in the future but one and only one: that the domestic and world economies will grow and so will our equity portfolios. I just stumbled upon this thread. It makes sense to me that it's likely i...
by grok87
Sun Mar 12, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7309

Re: About to retire and need to realize 5%/year to live on.

Yield doesn't tell the whole story -- withdrawal rates also account for capital gains in addition to dividends and interest. Also, withdrawal rates are defined by using the single worst retirement timeframe we can find for a given portfolio. It's true that there's no guarantee your own retirement w...
by grok87
Sat Mar 11, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7309

Re: About to retire and need to realize 5%/year to live on.

The condition that we are choking on is taking income and ending up with as much money as when one started. It also makes a great deal of difference whether or not one expects these amounts to be in real dollars. That's totally understandable, and it's why perpetual withdrawal rates are important. ...
by grok87
Fri Mar 10, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 7309

Re: About to retire and need to realize 5%/year to live on.

I am new to this forum, and not a savvy investor. I am about to retire (1 month) and my strategy is to take the lump sum (~$2M) to invest and live off the interest, while preserving the principal to pass onto my heirs. I'm 61.5 years old. Any advice as to how I can get this accomplished, without pa...
by grok87
Fri Mar 10, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need Retirement Plan Criticism
Replies: 12
Views: 1698

Re: Need Retirement Plan Criticism

1) i would maybe only do the 6% contribution in the 401k (to get the match) instead of the 10% and use the extra take home pay to pay down that credit card debt Agreed. 2) So based on your post I guess your current combined income is about $170k? Let's say you want to guarantee $70 k of inflation p...

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