Search found 18 matches

by mjb49
Wed May 16, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc Questions
Replies: 3
Views: 575

Re: FIRECalc Questions

Regarding volatility I think 8% is too low. But I don't know how the models that ask the user to guess the risk and return of his investments make any sense. The virtue of FireCalc is the methodology of using actual historical investment performance and inflation. Otar argues strongly for that appr...
by mjb49
Wed May 16, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: FIRECalc Questions
Replies: 3
Views: 575

FIRECalc Questions

On the “Other Income / Spending” tab under “Pension Income” I entered inflation adjusted disability income that will stop in 32 years. I entered the disability amount in “off Chart Spending” to start in 32 years when the disability ends. Do I enter the “off Chart Spending” in today’s dollars and che...
by mjb49
Thu Mar 22, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Living in Jupiter FL?
Replies: 9
Views: 1617

Re: Living in Jupiter FL?

We moved to Jupiter from southern California in 1991. Our cost of living dropped mostly due to the lack of state income tax. If I were moving to the area and wanted to lower my cost of living I would consider moving north before moving too far west.
by mjb49
Fri Feb 23, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 22
Views: 3438

Re: Rick Ferri Fixed Income Portfolio Funds

Looks like those recommendations would have given you a little more return and a little more volatility vs. just using total bond. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2001&firstMonth=1&endYear=2018&lastMonth=12&endDate=02%2F22%2F2018&initialAmount=10000...
by mjb49
Mon Feb 12, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 8689

Re: How does one emotionally keep it together during market swings?

I took time to develop my investment policy statement. I know it is the best plan for me and I will stick with it through the ups and downs of the market. Sell high buy low...
by mjb49
Wed Feb 07, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 4318

Re: Retired or close to it -- what do you hold in bond portion?

Retired age 68. Asset allocation 50/50. Bonds 50% Vanguard ITT (VSIGX), 50% Vanguard TIPS (VAIPX)
by mjb49
Fri Nov 24, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3724

Re: Slice and Dice

It is my understanding that slicing and dicing is to reduce risk as well as increase returns. When I compare my 10 fund portfolio 50/50 equity to fixed (Swedroe) to the Second Grader's Portfolio in the Backtest Portfolio Returns spreadsheet from this site 1985-2016, my returns trail by 45 BP. My SD ...
by mjb49
Sat Nov 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 47
Views: 7132

Re: Quicken 2018 for Mac [and PC Released]

I have been using Quicken since 1989. Over the years I've learned to wait to upgrade due to buggie initial releases of the upgrades. I got in the habit of buying the year prior to the latest release. I am using Quicken 2017 and will wait until it times out to update to the latest. Quicken will have ...
by mjb49
Sun Oct 29, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1112
Views: 611032

Re: Simba's backtesting spreadsheet [a Bogleheads community project]

I enjoy using this spreadsheet. Thanks to all involved for their efforts. When using the spreadsheet to compare the Lazy Portfolios I change the equities to fixed ratios to match my portfolio. Is there an argument against doing this approach to compare portfolios?
by mjb49
Tue Mar 21, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 18
Views: 1761

Re: I would appreciate comments on my asset allocation.

Retirement Assets: His IRA - Value low seven-figures: 7.5% Vanguard 500 Index (VFIAX) 7.5% Vanguard Value Index (VVIAX) 7.5% Vanguard Small-Cap Index (VSMAX) 7.5% Vanguard Small-Cap Value Index (VSIAX) 5% Vanguard REIT Index Fund (VGSLX) 2.5% Vanguard Developed Markets Index (VTMGX) 5% iShares MSCI...
by mjb49
Tue Mar 21, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 18
Views: 1761

Re: I would appreciate comments on my asset allocation.

Hi, After researching asset allocations from Lazy Portfolios, Bogleheads contributors, Rick Ferri, Burton Malkiel, William Bernstein and Larry Swedroe I decided on the following portfolio. Understanding the limitations of back testing I used it as a major part of my decision making. Emergency funds...
by mjb49
Tue Mar 21, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 18
Views: 1761

Re: I would appreciate comments on my asset allocation.

Do you want comments on your AA or the funds you hold? Your AA of 50/50 seems perfectly fine to me. Your portfolio holds too many funds and too many small pieces (2.5%'ers) for my liking. But, if it works for you, that's what matters. Congrats to you... sounds like you guys won the game! :sharebeer...
by mjb49
Mon Mar 20, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: I would appreciate comments on my asset allocation.
Replies: 18
Views: 1761

I would appreciate comments on my asset allocation.

Hi, After researching asset allocations from Lazy Portfolios, Bogleheads contributors, Rick Ferri, Burton Malkiel, William Bernstein and Larry Swedroe I decided on the following portfolio. Understanding the limitations of back testing I used it as a major part of my decision making. Emergency funds:...
by mjb49
Thu Jan 26, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Retired - Continue to reinvest dividends and capital gains?
Replies: 5
Views: 1075

Retired - Continue to reinvest dividends and capital gains?

Hi,
I retired and started withdrawing from my IRA. To generate cash is it best to continue reinvesting my dividends and capital gains or get income when I rebalance. Either way I will need to get some cash during the rebalance.
Thank you!
by mjb49
Tue Jan 24, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Managing My Retirement Assets
Replies: 4
Views: 642

Re: Portfolio Question: Managing My Retirement Assets

You'd benefit by reading the Boglehead wiki on lazy portfolios, to give you ideas on how to simplify yoir portfolio and specific Vanguard funds to use. https://www.bogleheads.org/wiki/Lazy_portfolios You have a pretty typical portfolio set up by an advisor -- way more for funds than are needed. Van...
by mjb49
Tue Jan 24, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Managing My Retirement Assets
Replies: 4
Views: 642

Re: Portfolio Question: Managing My Retirement Assets

Do you have a taxable account ? You are in a zero cap gains tax bracket and those could be realized at zero tax. These are important funds IMO, VBTLX - Total Stock Market Index VTMGX - Developed Intl Stock ex-USA Index VEMAX - Emerging Markets Stock Index VFSUX - ST Investment Grade Bonds VFIDX - I...
by mjb49
Mon Jan 23, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question: Managing My Retirement Assets
Replies: 4
Views: 642

Portfolio Question: Managing My Retirement Assets

Hi, We are with a fee based money manager and I am considering managing our IRAs myself. My wife will not want to manage it so I will have a plan B for her if necessary. I appreciate your help. Thank you in advance. Emergency funds: 10 months living expenses in IRA money market Debt: 30-year Mortgag...