Search found 12 matches

by mjb49
Fri Nov 24, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3294

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: 41
Views: 4896

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: 1048
Views: 583265

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: 1629

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: 1629

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: 1629

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: 1629

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: 1014

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: 590

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. m You have a pretty typical portfolio set up by an advisor -- way more for funds than are needed. Vanguard will take care of moving the funds for y...
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: 590

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: 590

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...