Search found 552 matches

by rixer
Sat Feb 24, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 12
Views: 684

Re: What vacations or weekend getaways are you taking this summer?

We will be agate hunting on coastal beaches and going on rockhounding field trips as much as possible this summer.
by rixer
Sat Feb 24, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 398
Views: 44139

Re: Netflix, Your Current Favorite Show

My new favorite show on Netflix is a Bravo production called "Imposters". It's about a beautiful scam artist that marries men and women leaving them with nothing after she takes it all. Three of her victims team up to find her but they run out of money because she took it all. They resort to becomin...
by rixer
Thu Feb 22, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 168
Views: 12433

Re: What if you only live off dividends?

It seems the answer to this is fairly obvious. If you live on only dividends, you will subsist on an income that is far below your means and die with a giant sum of money in all but the scenario of total world financial collapse. If that is desirable to you then go ahead. I’ll personally be using a...
by rixer
Wed Feb 21, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5329

Re: Yikes, I waited too long, am I [too late]? 50k to invest

I think a balanced fund would work best for you also. As far as tax efficient goes, it's not always so bad. It depends on your tax rate and how much income it generated. Which may not be that much to worry about. I have a balanced fund in my taxable account and it's been no problem for us as it just...
by rixer
Tue Feb 20, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Creating My Index Portfolio
Replies: 21
Views: 1480

Re: Creating My Index Portfolio

Don't overlook Vanguard Lifestrategy Moderate Growth fund. It's 60-40 and remains in balance. You can make your contributions each month and it will take care of everything else while you concentrate on your business.
by rixer
Mon Feb 19, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 148
Views: 13064

Re: Retirees: The common sense withdrawal method

I've just withdrawn for two years now since being retired. Just to have a starting place we used the 4% rule and this year we did the same with added cola. For us, we like to withdraw a certain amount for the entire year and make do on it. This way, we'll keep a handle on our spending and we'll know...
by rixer
Sun Feb 18, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investment advice for parent
Replies: 10
Views: 1003

Re: Retirement investment advice for parent

Of those choices, I like the Vanguard Balanced Index Fund.
by rixer
Thu Feb 15, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8235

Re: How many of you use the "4% rule" during retirement?

I follow the 4% rule.It gave me a reasonable place to start. I'm only on the second year though so the plan is to re-evaluate if things go south. I have room to cut back if necessary but after drawing out for two years income, I have more than I started with so, so far, so good.
by rixer
Tue Feb 13, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 168
Views: 12433

Re: What if you only live off dividends?

If I had to, I could get by on SS and dividends. If I had to. So far I haven't had to, but it's comforting to know I could skate for a few years if need be. And so far, my portfolio has risen even after taking withdrawals. If we experience some losses, we'll re-evaluate but until then 4% still works...
by rixer
Mon Feb 12, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 70
Views: 4119

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

It used to be tougher for me until I went with a balanced fund. For me, it's so much easier this way. We feel that it's the safest way for us and it keeps the risk at a certain level so it actually takes the emotional aspect out of it.
by rixer
Sun Feb 11, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 9
Views: 793

Re: Best options for cash in Schwab brokerage accounts?

When I have small amounts of cash sitting in there, I just put it in the Schwab total stock index fund. It's not usually enough to throw off my AA.
by rixer
Fri Feb 09, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5707

Re: Still waiting to invest?

I'm retired and everything is in Lifestrategy CG. I don't have any dry powder to invest except for my three years minimum expenses CD's I hold for an extreme downturn. I won't gamble those CD's by buying more equities but I've thought about it.
by rixer
Sat Jul 01, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Thomas Partners vs Schwab Intelligent Portfolios
Replies: 8
Views: 1497

Re: Thomas Partners vs Schwab Intelligent Portfolios

Thanks. I am going with LifeStrategy conservative. If the market has a significant correction I may switch all or half to LS moderate. As long as I pay attention to my overall AA strategy, ie know the index proportions in these all-in- one products, should be ok. At some point with more confidence,...
by rixer
Mon Apr 10, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 4441

Re: Anyone else own balanced index fund? [vbinx]

Unless you plan on changing your asset allocation I don't think it makes any difference whether you draw from a balanced fund or separate funds.
by rixer
Mon Apr 03, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 29266

Re: Low-earners- What is your profession?

I'm retired. I was a carpet cleaner and the wife was a bookeeper for a small business. We have never made 100 k in a year ever. We lived under our means frugally, paid off our home here in California and contributed to our retirement accounts.
We are enjoying retirement and traveling where we want.
by rixer
Thu Mar 30, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: At Schwab, Dividend Reinvestment of Vanguard Mutual Funds
Replies: 7
Views: 1187

Re: At Schwab, Dividend Reinvestment of Vanguard Mutual Funds

I have Vanguard funds at Schwab and there isn't a fee to reinvest dividends and cap gains.
by rixer
Wed Mar 29, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 14490

Re: When do you plan to die?

I'm thinking 85 at best. I will re-evaluate as time goes by and adjust if I feel its necessary. There is always the house that would provide a few more years in the worse case. Then we'll find out how much the kids love us. ... :happy
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: 90
Views: 9238

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: 90
Views: 9238

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: 10578

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: 3549

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: 2343

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: 1544

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: 89
Views: 12424

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: 1080

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: 2286

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: 8873

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: 13021

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: 11616

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: 9406

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: 3581

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: 15631

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: 3358
Views: 963938

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: 4185

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: 5740

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: 5360

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: 3557

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: 5397

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: 1009

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: 2409

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: 4911

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: 9548

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: 1752
Views: 312178

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: 2998

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: 1097

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: 1752
Views: 312178

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: 2702

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: 1940

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: 1940

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.