Search found 534 matches

by rixer
Fri Feb 03, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 75
Views: 4855

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Withdrawal phase. Retired 4 years. Lifestrategy Conservative Growth Fund ( 40-60) in three accounts. Her ira, my ira and a taxable. 3 years expenses in CD's that I roll over. Wife draws early SS, I'm drawing Spousal, I'm 68.6 yo, claiming my own SS next month. No pension. Just started with first wi...
by rixer
Fri Feb 03, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 75
Views: 4855

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Withdrawal phase. Retired 4 years. Lifestrategy Conservative Growth Fund ( 40-60) in three accounts. Her ira, my ira and a taxable. 3 years expenses in CD's that I roll over. Wife draws early SS, I'm drawing Spousal, I'm 68.6 yo, claiming my own SS next month. No pension. Just started with first wit...
by rixer
Thu Jan 26, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Dow hits 20,000. What next? Share your strategy
Replies: 107
Views: 9027

Re: Dow hits 20,000. What next? Share your strategy

I'm retired. My emotional side says I am too conservative and I should ramp up on more stocks. I know "stay the course" is my best strategy but sometimes I just can't help myself.

So that is why I hang out in lifestrategy cg. It's automatic and my emotional side doesn’t get involved.
by rixer
Thu Jan 19, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 2686

Re: Target Date Fund - Retirement Years

Assuming that you are withdrawing the often-cited 4% a year from your portfolio in retirement, are there any drawbacks to just taking that 4% out per year from a target date fund vs selling off the winners to re-balance if instead you had a 3-4 fund portfolio? I'm sure there are some reasons some w...
by rixer
Fri Dec 30, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Advice for staying the course
Replies: 20
Views: 1995

Re: Advice for staying the course

I found it was easier for me to stay the course with a balanced fund.
by rixer
Fri Dec 30, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Are balanced index funds tax efficient?
Replies: 9
Views: 1096

Re: Are balanced index funds tax efficient?

I hold lifestrategy cg in taxable. I am retired and don't contribute any more. Since I am in15% tax bracket it's not too bad and the simplicity is worth it to me and the wife.
by rixer
Tue Dec 20, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 68
Views: 6242

Re: Charles Schwab Experiences?

I've been with Schwab for 20 years. Great customer service, helpful and customer friendly website. They also have a rather big brick and mortar building here and I can get personal help when needed. They have always been there for me when I have needed assistance and I haven't had one single issue w...
by rixer
Sat Dec 17, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: How to Read portfolio & understand % return
Replies: 8
Views: 820

Re: How to Read portfolio & understand % return

That's another thing I like about Schwab. Their website is up to date and very user friendly. It has all that info at your fingertips.
by rixer
Sat Dec 17, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Single stock conundrum
Replies: 20
Views: 1750

Re: Single stock conundrum

You could also pull your original investment out and leave the 65% gain ride.
by rixer
Fri Dec 02, 2016 1:37 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6402

Re: What percentage of international do you hold?

International is 15% of the portfolio.
by rixer
Sat Nov 26, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 111
Views: 11476

Re: Here We Go Again: SWR 2.5% or 5.5%?

I don't have a spreadsheet to show the best outcome of my withdrawal. I am starting the first year of spending from my portfolio. I don't have a pension, only SS and our IRA's. I am going to draw 5% each year for 5 years and then review. The reason is that we won't be able to travel as well or as of...
by rixer
Wed Nov 23, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 9679

Re: What was your Asset Aloocation before and after retirement?

I didn't find this place soon enough. I was always too conservative with my portfolio. I was 40-60 before and by the time I realized it was a mistake, I was entering retirement. So I will likely remain 40-60 for the duration. It is what is and I don't want to ratchet up risk at this point.
by rixer
Wed Nov 16, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Take SS at 62 or wait ?
Replies: 74
Views: 8018

Re: Take SS at 62 or wait ?

I have delayed so far but will take it after the first of the year. I'll be 68.5 and that's good enough for me. I am glad I have delayed because for a married couple, the survivor benefit is huge for us. Plus we got to this point without a major drawdown as the wife was still working a few years aft...
by rixer
Tue Nov 08, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: retired and want to change investments
Replies: 30
Views: 3133

Re: retired and want to change investments

You could also just get a lifestrategy moderate growth fund. It's a self balancing fund with low cost that makes it simple.
by rixer
Sat Nov 05, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 12951

Re: Which state to move for milder weather

California. Mild weather and high tech jobs.
by rixer
Fri Nov 04, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2417
Views: 609726

Re: What Movie Have You Recently Watched?

We saw "The Magnificent Seven" yesterday. It was a little different than the original but it was very good.
Denzel Washington is always good.
by rixer
Thu Nov 03, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 3542

Re: Personal Finance Question for the Retired

We're retired for a couple of years now. We got a late start saving for retirement so we had been living below our means and saving as much as we could for a long time. Now that we are retired and not that we tons of money, but we don't have to save for retirement anymore. This allows us to spend mo...
by rixer
Tue Nov 01, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: How Much Do you pay for your Medicare?
Replies: 58
Views: 4685

Re: How Much Do you pay for your Medicare?

I'm retired in N. California also.
Medicare A: free
Medicare B: $105
Medicare Plan F-HD: $40
Medicare Plan D: $17.
by rixer
Tue Oct 25, 2016 11:49 pm
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 3915

Re: Chocolate Recommendations

For me, nothing beats those individually wrapped Doves milk chocolates you buy in a bag at most grocery stores and pharmacies. They're the best and they don't even cost that much.
by rixer
Sat Oct 22, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with 66yr old mother
Replies: 28
Views: 2934

Re: Help with 66yr old mother

As far as lifestrategy vs target date funds, lifestrategy remains the same allocation and target dates automatically reduces down the equity portion. Since I am retired, I want my AA to remain the same at 40/60 so the lifestrategy is the better fund for my situation.
by rixer
Fri Oct 14, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 4019

Re: Do Bogleheads use Robo Advisors?

I just use the lifestrategy balanced fund. It seems to offer good diversity at a decent price so I'm not sure if a robo would be a real benefit.
by rixer
Sat Oct 08, 2016 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Switching my Roth ira to Schwab
Replies: 5
Views: 807

Re: Switching my Roth ira to Schwab

I am with Schwab and though I don't pay for an advisor, they assigned a personal consultant to me for any questions I might have. I can visit him at their office nearby or I have his direct phone number I can reach him at anytime.
Great service.
by rixer
Sat Oct 01, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Incapacity: who should determine: Doctor or 2 trustees?
Replies: 20
Views: 2113

Re: Incapacity: who should determine: Doctor or 2 trustees?

I had to do this with my f/l. The trust was written so that it took his treating physician and a neurologist. I want to have at least one neurologist claim I'm incapacitated. I wouldn't want just some doctor to make that decision and lose control of my assets. Not that I have anything, it's just the...
by rixer
Wed Sep 28, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 30
Views: 3883

Re: Schwab vs Vanguard

I'm retired and hold Vanguards lifestrategy fund in my Schwab account. I love the customer service and their website at Schwab. There is always help available in the few times I've needed it. They also have a brick and mortar building I can go to if need be. I have thought about going to vanguard to...
by rixer
Thu Sep 22, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 89
Views: 8387

Re: Do Bogleheads Bucket?

I am retired but have yet to withdraw from retirement accounts. I am invested in a lifestrategy balanced fund and there’s no buckets. I will sell what I need once a year for my annual income and remain in balance. For me, this is the easiest way to "stay the course". I hope it works out. ....
by rixer
Wed Sep 07, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210672

Re: What are you up YTD? [Year To Date]

Retired. 40/60 Vanguard lifestrategy conservative growth. 7.56%
by rixer
Sun Aug 21, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: How will you survive a melt up in stocks?
Replies: 10
Views: 2721

Re: How will you survive a melt up in stocks?

Because I am never sure about what the right moves are at times, I put it in a lifestrategy fund and take what it gives me. It will likely be as good as I can do so I just roll with it.
by rixer
Fri Aug 12, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: Should most people use a one fund portfolio or robo?
Replies: 4
Views: 963

Re: Should most people use a one fund portfolio or robo?

My question is: given the very poor results of the average investor, how many of people are cut out to be DIY bogleheads? Would it be better to emphasize one fund portfolios or a robo unless an individual explicitly states a desire to manage their own portfolio? It is my understanding that most of ...
by rixer
Thu Aug 11, 2016 9:07 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210672

Re: What are you up YTD? [Year To Date]

Right now it's 6.5 with 40 stocks 60 bonds.
by rixer
Wed Aug 10, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Visiting Washington, DC
Replies: 27
Views: 2227

Re: Visiting Washington, DC

When we visited DC last year we were lucky enough to stay at a hotel that was a stop for the hop on hop off trolly. They were running a sept special of 2 days for the price of 1. Since we've never been there before we didn't know the transit system or where we were going. The hop on hop off trolley ...
by rixer
Tue Aug 09, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1550

Re: Medigap Insurance

I have been on Medicare for 3 years and Plan F High Deductible has worked out great for me. I pay it annually and it is about $470 for the year. Other than the low premiums, what do you like about it? Have you had enough out-of-pocket costs to trigger payment by the plan? I ask because I'm seriousl...
by rixer
Tue Aug 09, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1550

Re: Medigap Insurance

I have been on Medicare for 3 years and Plan F High Deductible has worked out great for me. I pay it annually and it is about $470 for the year.
by rixer
Tue Aug 09, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Advice on visit to Yosemite
Replies: 35
Views: 3032

Re: Advice on visit to Yosemite

You will be fine. September is a great time to explore Yosemite and although the Valley is always crowded, you just don't want to miss any of it. Especially if you have never been there. It's a special place and Kings Canyon will pale compared to Yosemite. Park the car and take the free shuttle in t...
by rixer
Tue Aug 09, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a will?
Replies: 16
Views: 1718

Re: Reasonable cost for a will?

.....
by rixer
Tue Aug 09, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a will?
Replies: 16
Views: 1718

Re: Reasonable cost for a will?

Low cost? Look at Legal Zoom.
by rixer
Tue Aug 09, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a will?
Replies: 16
Views: 1718

Re: Reasonable cost for a will?

We used a lawyer to do our Living Trust.
It was $1,500.
by rixer
Wed Aug 03, 2016 7:31 am
Forum: Investing - Help with Personal Investments
Topic: No use for managed bond fund I assume?
Replies: 9
Views: 907

Re: No use for managed bond fund I assume?

Wellesley does pretty good with managed bonds.
by rixer
Sun Jul 31, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Family trust. Why?
Replies: 3
Views: 856

Re: Family trust. Why?

You will avoid probate is one reason I was told.
by rixer
Sat Jul 30, 2016 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)
Replies: 46
Views: 3512

Re: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)

I would choose a lifestrategy fund, probably the growth fund in your case.
by rixer
Wed Jul 27, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3643

Re: Interesting Interaction with Edward Jones

That's funny because the same thing happened to me at home last week. An EJ salesman knocked on the door to introduce himself as the local EJ guy. I told him I was happy where I was at but he became aggressive. Then since he was being rude I told him I had been with EJ previously and it didn't turn ...
by rixer
Tue Jul 26, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Online Banks okay ?
Replies: 18
Views: 1633

Re: Online Banks okay ?

Ally is very user friendly plus they pay 1%.
by rixer
Mon Jul 25, 2016 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 6857

Re: 4% rule - Asset Allocation

I heard somewhere that with the 4% rule, along with the inflation added to withdrawal, a 1% mgmt fee was figured in also. Is this right?
by rixer
Fri Jul 22, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 18268

Re: How many folks choose to give inheritance to their children in unequal portions?

I have a son who is doing well and a daughter who struggles. I'm seriously considering changing the trust so she gets the house for herself. I have no idea how much money will be left so it could be very uneven when it happens. Still, we think it will make us feel better knowing she'll have a home a...
by rixer
Sat Jul 16, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: $500,000 in cash in retirement account. Now what?
Replies: 29
Views: 4663

Re: $500,000 in cash in retirement account. Now what?

I had a good amount to put in taxable. I purchased funds with half of it and waited. I ended up paying more when I bought the rest. They're are both up now.
Anyway, I'd say just do it.
by rixer
Fri Jul 15, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Any experience with Rover.com?
Replies: 9
Views: 706

Re: Any experience with Rover.com?

We looked into Rover but ended up using DogVacay. We were concerened because our dog hasn't interacted with other dogs and is pretty pampered here at home. We did a couple of meet and greets and settled on a couple who will take up to 2 dogs. She is a stay at home mom so she is there is 24/7. Our do...
by rixer
Tue Jun 28, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 5173

Re: When do YOU rebalance?

I'm retired also and am not adding new money. I've got a lifestrategy fund so I don't have to worry about what's the best time to rebalance. I don't know if this is the best strategy for me but it does take care of all the indecisions.
by rixer
Thu Jun 23, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Recommendations for ready-to-eat Costco meals?
Replies: 28
Views: 10129

Re: Recommendations for ready-to-eat Costco meals?

Don't forget the Potato Salad in the refrigerator section.
by rixer
Sat Jun 18, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Costco - Executive vs. Gold Membership
Replies: 17
Views: 3439

Re: Costco - Executive vs. Gold Membership

One benefit the Executive membership we use is Delta Dental Insurance through Costco. I also use the car rental sometimes but I'm not sure if you need the exec for that.
by rixer
Sat Jun 11, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 6689

Re: Paid off the mortgage today

Congratulations! It's a great accomplishment to pay off the mortgage. Pat yourself on the back. We worked hard to pay it off and its a great feeling. The funny thing is that we never really noticed any difference in our lives because we were still living below our means and contributing everything w...

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