Search found 49 matches

by zuma
Thu Mar 23, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: 6 years from retirement - need investment & allocation recommendations
Replies: 4
Views: 415

Re: 6 years from retirement - need investment & allocation recommendations

Looking again, I just noticed your "remainder" of mid 6 figures :)

Shouldn't that also be considered part of your retirement portfolio?
by zuma
Thu Mar 23, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: 6 years from retirement - need investment & allocation recommendations
Replies: 4
Views: 415

Re: 6 years from retirement - need investment & allocation recommendations

Your $60k income requirement (assuming the other half comes from SS) seems high given the size of your portfolio (possibly less than $1,000,000 in 5–6 years). Will you continue earning money part time during retirement? Can you be flexible with your spending? I agree that you should start with a 3 f...
by zuma
Thu Mar 23, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 21
Views: 1363

Re: Total Stock Market Admiral in both taxable and IRA?

As mentioned in your other thread, you'll get better advice if you follow the forum's guidelines for asking portfolio questions. You should also keep everything in one place so others can make informed suggestions :)
by zuma
Wed Mar 22, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 720

Re: Major Portfolio Overhaul

For my asset allocation, are savings accounts included? This is something you'll need to answer for yourself. There is no Boglehead consensus. See https://www.bogleheads.org/forum/viewtopic.php?t=100546 for a thread on the topic. I include CDs in my short-term fixed income bucket, which is part of ...
by zuma
Wed Mar 22, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Major Portfolio Overhaul
Replies: 8
Views: 720

Re: Major Portfolio Overhaul

I think you should decide on your asset allocation first and then invest accordingly. Do you want 90% stocks or 100%? If your plan allows you to buy admiral shares, that's great, but I wouldn't let that be a primary factor in your decision making. You can always convert to admiral shares later. Or c...
by zuma
Mon Mar 20, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement: advice on timing, asset types and allocation
Replies: 7
Views: 1086

Re: Early retirement: advice on timing, asset types and allocation

You will need income during retirement. One way to generate income is to rely on high-yielding funds that pay regular dividends. Another way is to withdraw money from your portfolio (at a safe rate) by selling shares. A total return investor generally prefers the latter method because it's a better ...
by zuma
Mon Mar 20, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Early retirement: advice on timing, asset types and allocation
Replies: 7
Views: 1086

Re: Early retirement: advice on timing, asset types and allocation

Re: dividends/income -- Since you're investing for the long term, consider a total return approach to your portfolio instead of focusing on high yields. Here's Vanguard's take: https://personal.vanguard.com/pdf/s352.pdf By focusing on the entire return earned by the portfolio—rather than its individ...
by zuma
Fri Mar 10, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Implementing 3 fund plan in this market and more
Replies: 5
Views: 515

Re: Implementing 3 fund plan in this market and more

1. Should we ignore the current equity rise and implement the plan...or wait? Once our plan is in place, we'd simply rebalance periodically. Wait until what exactly? What conditions would make you feel good about implementing the plan? What if those conditions never arrive? My first impulse was to ...
by zuma
Fri Mar 10, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Implementing 3 fund plan in this market and more
Replies: 5
Views: 515

Re: Implementing 3 fund plan in this market and more

Jackson12 wrote:1. Should we ignore the current equity rise and implement the plan...or wait? Once our plan is in place, we'd simply rebalance periodically.

Wait until what exactly? What conditions would make you feel good about implementing the plan? What if those conditions never arrive?
by zuma
Fri Mar 10, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 5864

Re: What to do with all these passwords ?

KeePassX. It's free and it does the job. https://www.keepassx.org/
by zuma
Fri Mar 10, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 52
Views: 4446

Re: who should i choose to help me??

Desired Asset allocation: beats me Desired International allocation: beats me Asset allocation refers to the overall mix of investment categories in your portfolio (typically stocks and bonds). International allocation refers to the mix of US stocks and non-US stocks within your stock allocation. F...
by zuma
Thu Mar 09, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16876

Re: Sitting on cash....Waiting for a crash

I hate to play the devil's advocate here, but what is pragmatically wrong with waiting for a crash? For the sake of simplicity let's say that all the funds will be in VTSAX, which currently stands at $59.16. Let's say llessac15 holds to his cash and miss out on the market rise, and the market rises...
by zuma
Thu Mar 09, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16876

Re: Sitting on cash....Waiting for a crash

And if the stock market is in a freefall, down 15% in only week, are you going to be brave enough to invest at that time? Or will you fear that momentum will take it down to 25% or 30%, and continue sitting out as the "correction" never becomes a "crash" and instead prices come ...
by zuma
Thu Mar 09, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16876

Re: Sitting on cash....Waiting for a crash

Even though I feel like a significant market correction is imminent, no one really knows when it will happen or how severe it will be. We've decided to avoid any attempts at timing the market. The key is to find the appropriate asset allocation that matches your risk tolerance. For us it's a balance...
by zuma
Wed Mar 08, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Schwab index funds VS. Vanguard
Replies: 16
Views: 1518

Re: Schawb index funds VS. Vanguard

This topic was recently discussed here: viewtopic.php?t=209925
by zuma
Tue Mar 07, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble with AA
Replies: 5
Views: 585

Re: Trouble with AA

I also think 80/20 is a sensible choice for you now. Having 20% in bonds will give you some security in a down market and will also encourage good rebalancing habits. 3. One of the arguments for having bonds is that it allows you to rebalance during downturns. This would suggest that it would be nec...
by zuma
Tue Mar 07, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: discussions about individual stocks and mutual funds
Replies: 6
Views: 363

Re: discussions about individual stocks and mutual funds

There are many threads here covering individual stocks and funds, but you will have to search for them. There is not a dedicated category to browse.
by zuma
Tue Mar 07, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Am I Paying Too Much in Expense Ratio?
Replies: 27
Views: 1708

Re: Am I Paying Too Much in Expense Ratio?

Smart move, taking control of your investments. Kudos. Short answer: yes, you're paying too much for those funds. :) At your age, most would recommend something like 75% stocks and 25% bonds. What funds are available in your IRA? Is the account with your advisor a taxable one? If you can share more ...
by zuma
Tue Mar 07, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 52
Views: 4446

Re: who should i choose to help me??

Like others have already said, take a few months to begin learning the basics on your own. Read a book or two, search the forum for specific topics that interest you, and things will become clearer. Investing does not have to be complicated. If you do that and still decide that you need an advisor, ...
by zuma
Tue Mar 07, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on setting aside chunk of portfolio for short term spending
Replies: 2
Views: 287

Re: Need advice on setting aside chunk of portfolio for short term spending

Given your substantial nest egg, I think it's wise to consider moving to a more conservative asset allocation. My wife and I are in a similar position. Early 40's, both working part-time, sizable nest egg, no kids. We're currently at 60/40 with a CD ladder for the short-term spending portion of our ...
by zuma
Mon Mar 06, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with lump sum? First time poster.
Replies: 10
Views: 917

Re: What to do with lump sum? First time poster.

My two cents: no one knows when a market correction will happen. It's all speculation. I would invest now with an appropriately risk-averse asset allocation. Maybe 20/80 or 10/90. If stocks continue to go up, you won't be stuck on the sidelines wondering how and when to get in. If there is a signifi...
by zuma
Mon Mar 06, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 18
Views: 995

Re: Portfolio Tracking Tools

I use a Google spreadsheet (with its built-in function to fetch current prices) to track my balances and AA percentages. For everything else, I log in to my Vanguard account.

https://support.google.com/docs/answer/3093281?hl=en
by zuma
Fri Feb 10, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 2018

Re: Photoshop - what to get?

I'd also consider Affinity Photo.

$50, no subscription, free trial available.

https://affinity.serif.com/en-us/photo/

I've only used Affinity Designer myself, but it's very good. (I used Adobe products professionally for many years.)
by zuma
Sun Jan 29, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio allocation
Replies: 17
Views: 1143

Re: Help with portfolio allocation

Using the LifeStrategy Moderate Growth fund would be fine as well. The Moderate Growth Fund is actually 60/40 stocks/bonds. The Conservative Growth Fund is 40/60, which matches the OP's target. https://personal.vanguard.com/us/funds/snapshot?FundId=0724&FundIntExt=INT https://personal.vanguard....
by zuma
Sun Jan 29, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio allocation
Replies: 17
Views: 1143

Re: Help with portfolio allocation

That looks reasonable to me. Your proposal is virtually identical to Vanguard's LifeStrategy Conservative Growth Fund (VSCGX) – an all-in-one fund designed for income and moderate conservative growth. I would also consider a 30/70 allocation, but ultimately you and your mother will have to figure ou...
by zuma
Sat Jan 28, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio rebalancing questions
Replies: 3
Views: 304

Re: Portfolio rebalancing questions

1) I would rebalance within the tax-deferred account, considering both accounts as parts of a single portfolio. Continue using the tax-deferred account for as much of your bond allocation as possible. 2) I would say this a matter of personal preference and either option would be fine, but others may...
by zuma
Fri Jan 27, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: What do you include in your asset allocation calculations?
Replies: 43
Views: 3498

Re: What do you include in your asset allocation calculations?

We own a rental property, but don't include that in our AA calculation.

We also don't include our savings account, which has enough cash for one year of expenses.

What we include:

60% equities – stock funds, REIT fund
40% fixed income – bond funds, TIPS fund, CDs
by zuma
Fri Jan 27, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETFs vs. Mutual Funds
Replies: 10
Views: 774

Re: Vanguard ETFs vs. Mutual Funds

Agreed. I'd go with VTI/VXUS/BND for the lower costs.
by zuma
Thu Jan 26, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance investments /Percentage set for investment
Replies: 10
Views: 805

Re: Reblance investments /Percentage set for investment

I'm guessing not that commited to socially responsible since it is only 10%... But they will have higher expenses and lower returns, but if it makes you "feel"good. Go for it.. Just realize you may pay well for that selection of stocks (someone has to decide what is "socially respons...
by zuma
Tue Jan 24, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3301

Re: Requirements to change passwords frequently?

+1 for using a password manager. I like https://www.keepassx.org/ – it's free and cross-platform.
by zuma
Mon Jan 23, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?
Replies: 30
Views: 2720

Re: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?

Pros and cons: https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account Thanks, "zuma". Read the "Bogleheads" wiki before posting. Perhaps there is further input from all the wonderful "expert" Bogleheads with examples and application and nuances, etc...
by zuma
Mon Jan 09, 2017 4:43 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Re: Suggestions for 70-year-old retiree's portfolio

Thanks for all the additional comments. We have several good options to consider and we'll continue to think about what works best for us. I think the biggest decision will be balanced vs. individual funds. The set-it-and-forget-it appeal of a balanced fund portfolio is hard to ignore, but I know th...
by zuma
Sun Jan 08, 2017 5:15 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Re: Suggestions for 70-year-old retiree's portfolio

Thanks to everyone for your comments.

I am drawn to David's idea of combining two LifeStrategy funds for an effective 30/70 AA. Maximum simplicity and no need for rebalancing.
by zuma
Sun Jan 08, 2017 4:29 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Re: Suggestions for 70-year-old retiree's portfolio

David Jay wrote:Instead of adding VTSAX, I would go 50% LifeStrategy Income (20% stocks) and 50% LifeStrategy ConservatIve'(40% stocks). That gives you an effective 30% stocks with all of the benefits of the LS funds.

Good idea. Thanks :-)
by zuma
Sun Jan 08, 2017 4:26 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Re: Suggestions for 70-year-old retiree's portfolio

Here is a different way to look at it if security would truly be the guiding factor: Her life expectancy at this point is another 16 years, she wants 15k per year out of the portfolio - that is only 230k. You could leave the 400k portfolio in cash to get that ! ...or in bonds to get it and probably...
by zuma
Sat Jan 07, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Re: Suggestions for 70-year-old retiree's portfolio

Thanks for the suggestions.

The more I think about it, I agree with you about skipping the international fund.

I haven't done my research yet on short-term bond funds (how they compare to CDs and so on), but I could imagine something like 30% Total Stock, 50% Total Bond, 20% Short-Term Bond.
by zuma
Sat Jan 07, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Re: Suggestions for 70-year-old retiree's portfolio

Thanks, galeno.

Another option we're considering is the 20/80 LifeStrategy Income fund (VASIX) with some extra VTSAX to hit our target AA. That might be even easier to manage.
by zuma
Sat Jan 07, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 70-year-old retiree's portfolio
Replies: 18
Views: 2260

Suggestions for 70-year-old retiree's portfolio

I am in the beginning stages of helping my mother transfer her portfolio from Morgan Stanley to Vanguard. We are trying to simplify as much as possible and I'd love to get some Boglehead input. Emergency funds: 3 months Tax filing status: single Tax rate: 15% federal, 3.3% state Age: 70, retired Des...
by zuma
Thu Jan 05, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Where to in March?
Replies: 21
Views: 1929

Re: Where to in March?

In California you could combine a visit to Monterey (kayaking, music, arts) with Pinnacles National Park (hiking) and Mercey Hot Springs (camping, relaxing).
by zuma
Tue Jan 03, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Reinvesting TIPS fund distributions
Replies: 2
Views: 244

Re: Reinvesting TIPS fund distributions

I would say you are overthinking and also thinking about the fund in isolation rather than as part of an asset allocation. What should happen is that you manage your funds to keep all the assets at their target allocation. It may well be easier to do that if you take the dividends and then reinvest...
by zuma
Tue Jan 03, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: Reinvesting TIPS fund distributions
Replies: 2
Views: 244

Reinvesting TIPS fund distributions

If I hold a TIPS fund (VAIPX) in my taxable account, my understanding is that I should reinvest the dividends from the fund in order to maintain its ability to offset inflation. However, to simplify my rebalancing efforts this year, I'd like to start a practice of manually reinvesting dividends (say...
by zuma
Tue Jan 03, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5703

Re: This is a good weekend to start tracking your net worth.

We do this every year along with a yearly budgeting plan.

Our net worth is simply:

1) Vanguard investments
2) Real estate (we paid cash for our property, so no mortgage to worry about)
3) Emergency fund

That's it. We have no debt, no cars.
by zuma
Thu Dec 29, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired couple
Replies: 10
Views: 573

Re: Portfolio review for semi-retired couple

BL wrote:The only thing I noticed was the REIT. Since you have rental real estate, perhaps you don't need any more, especially if the rental in in the US.

Thanks for the comment and it's a fair point, but I think we're comfortable with the extra real estate exposure for now.
by zuma
Thu Dec 29, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired couple
Replies: 10
Views: 573

Re: Portfolio review for semi-retired couple

One way to do that if you must spend from your investments would be to use that emergency fund for a while instead of withdrawing from investment accounts until it is where you want it to be. CDs are fine for that, but you might consider laddering them for at least the part of your emergency fund t...
by zuma
Thu Dec 29, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired couple
Replies: 10
Views: 573

Re: Portfolio review for semi-retired couple

FelixTheCat wrote:You're fine.

How do you handle medical in a foreign country? Insurance? Just pay for it?

We pay for health insurance. It's required for our residence permits.
by zuma
Thu Dec 29, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired couple
Replies: 10
Views: 573

Re: Portfolio review for semi-retired couple

We should all hope for such a clear and simple plan. I'm trying to move in that direction. Simplicity was certainly a guiding principle for us. Is three years expenses in cash too much? I think it depends on what you think of as an emergency and if you mix that with something like buying a car when...
by zuma
Thu Dec 29, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired couple
Replies: 10
Views: 573

Re: Portfolio review for semi-retired couple

Looks good to me. If healthcare is covered and you can keep your spending in check during periods when stocks are dropping you should be fine. Hopefully you can keep the withdrawals closer to 2% and stretch the portfolio out. Check back after a 40 or 50 year retirement and let us know how it went. ...
by zuma
Thu Dec 29, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for semi-retired couple
Replies: 10
Views: 573

Portfolio review for semi-retired couple

Hi everyone, Due to a recent windfall (about a year ago) my wife and I have been doing our homework and working on getting our portfolio in shape. We have established a simple portfolio at Vanguard and purchased a rental property. Emergency funds: 36 months of expenses Debt: None Tax Filing Status: ...

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