Search found 69 matches

by maniminto
Tue Mar 21, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Income & Post Retirement Expenses
Replies: 15
Views: 922

Pre-Retirement Income & Post Retirement Expenses

Can Retirees please provide information about what their pre-retirement income was and what their annual post retirement expenses are?

This is to gauge the commonly accepted principal that retirees need 70% of their pre-retirement income during retirement.

Many thanks in advance.
by maniminto
Mon Mar 20, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 194
Views: 20983

Re: Gross Yearly Income needed in Retirement (Speculation)

By & large the consensus seems to be around $100K. How much money does an average Boglehead make?
by maniminto
Thu Mar 02, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: long term divi investment portfolio feedback
Replies: 11
Views: 685

Re: long term divi investment portfolio feedback

I'd suggest to go with NVS rather than AZN
by maniminto
Mon Feb 27, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4922

Re: Should we wait before buying in?

Obviously the Boglehead crowd is not a proponent of market timing. I myself think that there is nothing wrong with going or being on the sidelines if it is warranted. You should examine the facts and make an educated decision based on substance: This market has gone up on pure speculation since late...
by maniminto
Tue Feb 21, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Monte Carlo Simulation in Portfolio Visualizer
Replies: 0
Views: 188

Monte Carlo Simulation in Portfolio Visualizer

Can you please provide some guidance on Monte Carlo simulator that is available in Portfolio Visualizer? What options should one be using for simulation period and simulation model? I would like to assess what the portfolio balance would be statistically if it's divided in various asset classes and ...
by maniminto
Thu Feb 16, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Getting back into market after sitting on sidelines
Replies: 11
Views: 1240

Re: Getting back into market after sitting on sidelines

"Just for the record, I calculated that the current sum of my IRA would be equal to the sum of compounding my contributions since 1974 in only one fund. Wellesley Income. " What are you saying here? Had you made all the contributions you've made to your IRA since 1974 to Wellesley, you'd h...
by maniminto
Mon Feb 13, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments
Replies: 16
Views: 1374

Re: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments

Thank you.
They seem to be equivalent to Wellesley & Wellington mathematically in performance, but the mid cap ETF holdings are completely different than Wellesley's or Wellington's equity investments.
by maniminto
Sun Feb 12, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments
Replies: 16
Views: 1374

Re: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments

Could you please guide me to identify which ETFs have the same consistency as Vanguard Wellesley's and Vanguard Wellington's equity component. I am interested in creating similar asset allocation but with tax exempt/efficient bonds. Many thanks in advance. I think most here would say to use Vanguar...
by maniminto
Sun Feb 12, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments
Replies: 16
Views: 1374

Re: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments

Wellesley's bond/fixed income component is not tax efficient. So, probably not as attractive for taxable investments. I'm assuming the same applies to Wellington.
by maniminto
Sun Feb 12, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments
Replies: 16
Views: 1374

ETFs that Mimic VG Wellesley's & VG Wellington's Equity Investments

Could you please guide me to identify which ETFs have the same consistency as Vanguard Wellesley's and Vanguard Wellington's equity component. I am interested in creating similar asset allocation but with tax exempt/efficient bonds.

Many thanks in advance.
by maniminto
Fri Jan 27, 2017 2:17 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

While it certainly wouldn't be a guarantee, I would suggest investing at least 50% of the funds in VWINX, Vanguard's Wellesley Income fund. It's current yield is 2.91%, and it's total return has been consistently in the 6-9% range for over a decade. Yes, you could lose money in this fund, but it's ...
by maniminto
Tue Jan 24, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

A 5 year guaranteed annuity would pay you 3.15% according to immediateannuities.com How much risk are you willing to take to get that last 85 bps? Whatever that risk level is 0-40% put in equities and like livesoft suggests once the blended return hits your 4% number, take the equity chips off the ...
by maniminto
Mon Jan 23, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Thank you all for your input & advice. I had moved most of my investments to cash given the run up of the stock market and the political climate in the country. I intend to work in a structured fashion (as an employee) for another five years and then start consulting and take on projects occasi...
by maniminto
Mon Jan 23, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

You should also look at some version of the Larry Portfolio: 70% in 5 year Treasuries and 30% in the riskiest asset classes: small cap value, international small cap value, and emerging markets value. The maximum historic loss is in the high single digits and over time it's matched the S&P 500....
by maniminto
Mon Jan 23, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

A 5 year guaranteed annuity would pay you 3.15% according to immediateannuities.com How much risk are you willing to take to get that last 85 bps? Whatever that risk level is 0-40% put in equities and like livesoft suggests once the blended return hits your 4% number, take the equity chips off the ...
by maniminto
Mon Jan 23, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Five years is a relatively short time period for stocks or bonds. I would use a CD ladder with a small amount of stocks and bonds (three fund portfolio). CD rates should rise as interest rates go up. CD's have no downside and are FDIC insured. It sounds like you've already made it, now you just don...
by maniminto
Mon Jan 23, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Can I please get your input & advice on the least risky method to invest $4M to get a 4% return/year for the next 5 years? $2M is taxable and $2M is in qualified accounts. I will not need these funds for the next 5 years and the 4% return I'm looking for would be the blended return between taxa...
by maniminto
Sun Jan 22, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Thank you all for your input & advice. I had moved most of my investments to cash given the run up of the stock market and the political climate in the country. I intend to work in a structured fashion (as an employee) for another five years and then start consulting and take on projects occasi...
by maniminto
Sun Jan 22, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Thank you all for your input & advice. I had moved most of my investments to cash given the run up of the stock market and the political climate in the country. I intend to work in a structured fashion (as an employee) for another five years and then start consulting and take on projects occasio...
by maniminto
Sun Jan 22, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

What is the consequences if you don't get 4%? There are no guaranteed 4% returns, especially over such a short time frame. Also, are you considering inflation? The only consequence will be that I'll be farther away from the target amount when I start drawing on the investments. Perhaps more of a me...
by maniminto
Sun Jan 22, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Something like 35% stocks in a Total Stock market and 65% in Total Bond market "should" get you 4% or more per year return and be low risk. But it may not be the lowest risk as no one knows the future. Life happens. And no one knows if this asset allocation will be right for you if the ma...
by maniminto
Sun Jan 22, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

livesoft wrote:How about investing 100% in Vanguard Total Stock Market Index, then when that investment has returned 22%, switch everything to CDs?


You are being facetious, of course. The proposition was to take the least risk
by maniminto
Sun Jan 22, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

Sheepdog wrote:4% for the NEXT 5 years?.....the next 5 years?.....4%? I wouldn't ..... I couldn't.


Thanks your attempt sheepdog
by maniminto
Sun Jan 22, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Re: Advice for Investing $4M to get 4% Return with Least Risk

This is another one of those unresolvable conundrums. In this case the issue resolves around the meaning of "to get." The existence of risk means that one may not get the 4% one has specified and the statement does define any parameters for what is an acceptable range of uncertainty. Woul...
by maniminto
Sun Jan 22, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Investing $4M to get 4% Return with Least Risk
Replies: 83
Views: 9212

Advice for Investing $4M to get 4% Return with Least Risk

Can I please get your input & advice on the least risky method to invest $4M to get a 4% return/year for the next 5 years? $2M is taxable and $2M is in qualified accounts. I will not need these funds for the next 5 years and the 4% return I'm looking for would be the blended return between taxab...
by maniminto
Wed Jan 18, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18397

Re: How Bad was 2008, really?

It was awful. I was predominantly in aggressive & energy based ETFs & MFs and was in my early fifties. Taking a 50% shave in my taxable accounts and 40% shave in my qualified accounts was painful. I did not move to cash but it left an indelible impression on me. I started keeping my savings ...
by maniminto
Tue Jan 17, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should Bond Funds be Considered a Fixed Income Investment?
Replies: 30
Views: 2108

Re: Should Bond Funds be Considered a Fixed Income Investment?

If how you classify a bond fund relative to a couple of words is actually going to affect your investment decisions, then there is a lot of thinking that needs to be done. Can you explain why it would matter to you if the answer to your question were yes or if it were no. Yes, the whole concept of ...
by maniminto
Tue Jan 17, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should Bond Funds be Considered a Fixed Income Investment?
Replies: 30
Views: 2108

Re: Should Bond Funds be Considered a Fixed Income Investment?

I think PJW does a great job of illustrating why the funds are equivalent to the underlying securities. So the more interesting question isn't whether it is a fixed income investment - but what is the nature of fixed income and the role it plays in you portfolio. The real difference between buying ...
by maniminto
Mon Jan 16, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question Re Bond Funds
Replies: 13
Views: 1137

Re: Asset Allocation Question Re Bond Funds

Hi manuminto. You still choose not to post enough information for any of us to provide meaningful advice. You don't have to do that, but it's unreasonable to expect advice from us in its absence. I already responded to the questions in your post just above earlier in this thread , and more recently...
by maniminto
Mon Jan 16, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should Bond Funds be Considered a Fixed Income Investment?
Replies: 30
Views: 2108

Re: Should Bond Funds be Considered a Fixed Income Investment?

Classic definition of a fixed income investment is as follows: "A fixed-income security is an investment that provides a return in the form of fixed periodic payments and the eventual return of principal at maturity" Can bond funds and ETFs be considered a fixed income investment especial...
by maniminto
Mon Jan 16, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Should Bond Funds be Considered a Fixed Income Investment?
Replies: 30
Views: 2108

Should Bond Funds be Considered a Fixed Income Investment?

Classic definition of a fixed income investment is as follows: "A fixed-income security is an investment that provides a return in the form of fixed periodic payments and the eventual return of principal at maturity" Can bond funds and ETFs be considered a fixed income investment especiall...
by maniminto
Mon Jan 16, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question Re Bond Funds
Replies: 13
Views: 1137

Re: Asset Allocation Question Re Bond Funds

Finally, a mutual fund or ETF is nothing more than a vehicle by which to own the underlying holdings. If you maintained a rolling ladder that roughly matched the characteristics of what the fund holds, your results would be about the same. Hi PJW, When you own actual bonds, you are assured that you...
by maniminto
Mon Jan 16, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 10099

Re: How much do you typically spend in a restaurant?

I had the good fortune of living in SF Bay Area most of my adult life. I relocated to the DC area for 1-1/2 year, am in Albuquerque now and travel frequently to Oklahoma City. What I have observed is that the restaurant fare for high and low end restaurants is within 10% no matter where you are in t...
by maniminto
Mon Jan 16, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Re: Suggestions for Low Duration Bond Fund

True. I am no expert in this field. Merely a student. Pundits like Jeff Gundlach and Bill Gross indicate this bond rally being temporary with 10 year ending at 3% on the first leg and then 6% in 3-4 years. Bond cycles are fairly long relative to stock cycles. Bonds peaked in early 80's with yields o...
by maniminto
Mon Jan 16, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate Bond Fund/ETF for Fixed Income AA
Replies: 7
Views: 682

Re: Intermediate Bond Fund/ETF for Fixed Income AA

Thank you for your input. I'm not trying to time the bond market, but would like to make the investment with my eyes open. Most commentators are predicting that within 3-4 years, the 10 year rate will be around 6%. With this in mind, how would you allocate the fixed income component for new money? W...
by maniminto
Sun Jan 15, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Bond Fund/ETF for Fixed Income AA
Replies: 7
Views: 682

Re: Intermediate Bond Fund/ETF for Fixed Income AA

Requesting clarification on a couple things: 1. In a volatile market, would treasury/government funds be more stable than corporate funds? Volatile what market? Bond market? Stock market? 4. In an environment where interest rates are expected to increase, are there any fund attributes that I should...
by maniminto
Sun Jan 15, 2017 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Re: Suggestions for Low Duration Bond Fund

Yes, an interim allocation until rates improve in lieu of cash or MM. I was trying to mimic a Fidelity target maturity fund with some enhancements.
by maniminto
Sun Jan 15, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Bond Fund/ETF for Fixed Income AA
Replies: 7
Views: 682

Intermediate Bond Fund/ETF for Fixed Income AA

I would like to move 30% of my fixed income allocation in a qualified account to an intermediate bond fund (roughly $500K) The short list I have arrived at and investment attributes are as follows: Fund/ETF ER Yld Maturity Duration ---------- --- --- ---------- ------------ Vanguard Corp Intermed (V...
by maniminto
Sun Jan 15, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Re: Suggestions for Low Duration Bond Fund

I use VSCSX (Vanguard short term corporate bond index) for the third-tier of my EF. http://www.morningstar.com/funds/xnas/vscsx/quote.html It's 2.28% yield, 2.75 year duration, so probably a bit longer than you'd like, but I think it's a fair trade off Thank you. I was considering that too. Perhaps...
by maniminto
Sun Jan 15, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Re: Suggestions for Low Duration Bond Fund

Doubleline's short duration bond fund DLSNX. Duration about 1 yr, yield 2.2% ER 0.7 Can anyone suggest a comparable or better short duration bond fund? How about DBLSX (the I shares of the same fund)? Duration 1.1 yr, yield 2.45%, ER 0.44%. 5K min. purchase in an IRA. About 15% of assets are below ...
by maniminto
Sun Jan 15, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Re: Suggestions for Low Duration Bond Fund

livesoft wrote:Vanguard has about 9 different short-term bond funds. Can you find them all?


Thanks livesoft. Got it
by maniminto
Sun Jan 15, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Re: Suggestions for Low Duration Bond Fund

Which one in particular?
by maniminto
Sun Jan 15, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Low Duration Bond Fund
Replies: 20
Views: 1329

Suggestions for Low Duration Bond Fund

I would like to move cash in a qualified account to a short duration (1 to 1.5 yrs) bond fund with reasonable yield. So far the best one I have come across is Doubleline's short duration bond fund DLSNX. Duration about 1 yr, yield 2.2% ER 0.7 Can anyone suggest a comparable or better short duration ...
by maniminto
Fri Jan 13, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question Re Bond Funds
Replies: 13
Views: 1137

Re: Asset Allocation Question Re Bond Funds

Thank you PJW. Here it is: Emergency funds: 6 months Debt: $200K mortgage Tax Filing Status: Single Tax Rate: 28% Federal, 6% State State of Residence: NM at present. Home is CA Age:60 Desired Asset allocation: 50/50; at present 2/30/68(cash) Desired International allocation: 0% of stocks Would like...
by maniminto
Fri Jan 13, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6626

Re: Where do you keep your emergency fund?

No emergency fund per se here. Have a large taxable acccount invested solely in equities (for now) and place my cash needs inside my 457. Have about 1 year of spending needs in a stable value fund. Can always do as is described in the wiki if need be: https://www.bogleheads.org/wiki/Placing_cash_ne...
by maniminto
Fri Jan 13, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question Re Bond Funds
Replies: 13
Views: 1137

Re: Asset Allocation Question Re Bond Funds

Thank you very much for your input & insight. I have only held short & intermediate term muni bond funds in my taxable accounts and would now like to invest in bonds or bond funds in my qualified accounts. Would you have any recommendations on how I should be weighting short & intermedia...
by maniminto
Fri Jan 13, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Question Re Bond Funds
Replies: 13
Views: 1137

Re: Asset Allocation Question Re Bond Funds

If you're ladding bonds and using maturing rungs to buy a new rung, this structure has almost the same performance and risks as a bond fund with similar average characteristics. Except if you're talking about bonds with credit risk, where the fund would be in more issues and would be more diversifi...
by maniminto
Fri Jan 13, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why Should Bonds be Held in Qualified Accounts?
Replies: 5
Views: 447

Re: Why Should Bonds be Held in Qualified Accounts?

http://www.investopedia.com/terms/q/qua ... vidend.asp

There is no such thing as a "qualified bond dividend", all bond dividends from taxable bonds are taxed at your marginal tax rate (the same as non-qualified equity dividends).[/quote]

Thank you

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