Search found 567 matches

by AtlasShrugged?
Sat Sep 22, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Fidelity Roth IRA
Replies: 14
Views: 1121

Re: Starting Fidelity Roth IRA

aker....I have my Roth at Fidelity. The website is extremely friendly, easy to use, and the customer service is outstanding.

Three fund portfolio. Equal proportions of FSTVX, FTIPX, and FSITX. And you are done.
by AtlasShrugged?
Fri Sep 14, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: Lessons from the financial crisis (Pisani, CNBC)
Replies: 52
Views: 4990

Re: Lessons from the financial crisis (Pisani, CNBC)

The effect on the real economy and ordinary lives of a global bank run is not imaginable. Valuethinker....Thanks for the thoughtful reply. Much grist for the intellectual mill in your response. Perhaps the time period immediately after WW1 is instructive here (1920-21). What we did there (or more p...
by AtlasShrugged?
Sat Sep 08, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Lessons from the financial crisis (Pisani, CNBC)
Replies: 52
Views: 4990

Re: Lessons from the financial crisis (Pisani, CNBC)

In retrospect, I sometimes wonder if the better move back in 2007-08 was to do nothing at all. Meaning, no bailouts, and having the market deal with companies that failed without intervention. I am not as certain as the author appears to be that Keynesian economic theory and policies saved the day, ...
by AtlasShrugged?
Mon Sep 03, 2018 6:26 am
Forum: Investing - Theory, News & General
Topic: Retirees who went before me: Does a glidepath really work
Replies: 24
Views: 3159

Retirees who went before me: Does a glidepath really work

Bogleheads...In my IPS, I have started on a glidepath to increase bonds from 21% of my portfolio to 45% of my portfolio in the next 10 years. This will be done in ~3% increments annually, with rebalancing happening 1X annually in April. I am maxing out my 401K and Roth (finally!!!!) and will use con...
by AtlasShrugged?
Fri Aug 31, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82676

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

And that's your argument for Frontier Markets. These countries are young, and they will be an increasing proportion of the human race in the future. Valuethinker....I think you took one sentence, applied it too broadly, and misrepresented the thrust of my thoughts. Let me see if I can course correc...
by AtlasShrugged?
Fri Aug 31, 2018 6:02 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1052
Views: 82676

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Ok, I know... for some this is the exact reason we might be tempted to re-balance and dump more into International. I get that! People said that 5 years ago, they said it three years ago.... and I think they will be saying it again ten years from now. I know it's foolish to chase performance in the...
by AtlasShrugged?
Thu Aug 30, 2018 6:28 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 192
Views: 34965

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

One of the biggest advantages I see is in reducing cash flow needs in retirement, especially early retirement. This can lower your "number" significantly. This ^ X1000. After many years, I am now maxing out my 401K and Roth. I've been thinking about trying to pay off the mortgage for precisely this...
by AtlasShrugged?
Sat Aug 25, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13416

Re: 2000-2018 retirement - sequence of returns

HomerJ....Nifty piece of work. I have a suggestion. One scenario you modeled had a cut of withdrawal rate from 4% to 3% for a period of time (4 years). I believe there is a less painful way to achieve close to the same result. You're assuming an inflation adjusted withdrawal, which is fine. Here is ...
by AtlasShrugged?
Fri Aug 17, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 60
Views: 5100

Re: Bullish/bearish on GE? Make your case here - new lows today

Wow....a lot of bears on GE. Time for a contrarian, or bullish view. I posted on this question some time ago. My wife recently purchased a block of shares, and then a second block earlier this year in her Roth. I asked her about it. She said (I paraphrase): This is GE. They have been a component of ...
by AtlasShrugged?
Sun Aug 12, 2018 5:46 am
Forum: Investing - Theory, News & General
Topic: Simple Retirement Model of Withdraw Rate, Return Sequence, & Asset Allocation
Replies: 5
Views: 1575

Re: Simple Retirement Model of Withdraw Rate, Return Sequence, & Asset Allocation

#Cruncher....This spreadsheet was very helpful. I especially like the flexibility. I changed up some stock allocation assumptions, and then compared to what is in my IPS.

I use a number of the tools you created. Keep them coming. And thank you!

Atlas
by AtlasShrugged?
Fri Jul 27, 2018 5:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard vs Fidelity representatives
Replies: 15
Views: 2027

Re: Vanguard vs Fidelity representatives

I am a Fidelity customer. I will say that whenever I have called Fidelity, I have received stellar customer service. In terms of plain vanilla index funds, I really don't think there is much of a difference now between VG, Fidelity or Blackrock. The ERs are more or less the same, the turnover rates ...
by AtlasShrugged?
Fri Jul 27, 2018 5:50 am
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6345

Re: Hold one stock 25 years

I saw an interesting video where Josh Brown and Michael Batnick were asked to pick one stock to hold for 25 years. reformed.trader...Here is a real world example for you to consider. I was born in 1966. The week I was born, my mother (long departed now) bought a single share of T. Yes, just one sha...
by AtlasShrugged?
Thu Jul 12, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17893

Re: COMING SOON: BOGLEHEADS PODCASTS

My entry: Boglehead Basics
by AtlasShrugged?
Wed Jul 11, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Bucket Portfolio article by Christine Benz
Replies: 85
Views: 6869

Re: Bucket Portfolio article by Christine Benz

The overriding point is that there have been several times when the US stock market has had negative real returns over extended periods. Bobcat2....Let me start by saying you have greatly aided my learning over time. Your posts on Funding ratio have greatly influenced how I look at my retirement re...
by AtlasShrugged?
Tue Jul 10, 2018 5:50 am
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 9257

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

Then there's the additional complication that the US government defaulted on those Liberty Bonds in 1934 and bond holders were never made whole. I think it was something like a 40% haircut that bond holders took. AlohaJoe....I have come to appreciate your posts more and more over time. When I read ...
by AtlasShrugged?
Mon Jul 09, 2018 6:10 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4697

Re: Article: Rich kids are counting on inheritance to pay for retirement

texasdiver....I could not help but think that the 'little kid' equivalent to the some of the Gen Z's belief is the 'Tooth Fairy'. :happy

I have two children in their 20's....They ain't relying on an inheritance.
by AtlasShrugged?
Sun Jul 08, 2018 5:37 am
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5913

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

Simplegift.....Really like the history charts. A lot. :beer Here is what struck me. What are the commonalities between the Great Depression and the 1970's Stagflation Era? And can we identify them? It seems that going heavy on bonds wound up doing much better. One poster mentioned something about hu...
by AtlasShrugged?
Wed Jul 04, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads w/RA: How much does climate matter?
Replies: 4
Views: 767

Re: Retired Bogleheads w/RA: How much does climate matter?

Have you Googled your question? You may get more information. Try the words "rheumatoid arthritis hot dry weather" Yep, did that. I have heard anecdotal evidence that 'hot and dry' helps. My visits to CA and NV got me thinking about it. She lives in the Southeast where, of course, it is warm but no...
by AtlasShrugged?
Wed Jul 04, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads w/RA: How much does climate matter?
Replies: 4
Views: 767

Retired Bogleheads w/RA: How much does climate matter?

Bogleheads....I have a question for what I know to be a very small group of Bogleheads: Bogleheads with Rheumatoid Arthritis. For this group, my question is: Does/Did climate really matter all that much in your choice of retirement destination? Right now, I live in a rather nice town in South Jersey...
by AtlasShrugged?
Thu Jun 28, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: History of Protectionism and Stock Returns, 1825-2015
Replies: 19
Views: 2158

Re: History of Protectionism and Stock Returns, 1825-2015

Your thoughts? Well SimpleGift, since you asked: My thoughts are that you did not disappoint . :sharebeer I also think the impact of tariffs to returns in the example you showed below seems muted. In a time of rising tariffs (starting circa 1930) and high tariffs, globalization still managed a 50% ...
by AtlasShrugged?
Wed Jun 27, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Keeping up with inflation
Replies: 24
Views: 2049

Re: Keeping up with inflation

Top99% nailed this one. What do you mean by inflation? In recent years, I have relied less and less on CPI, and more and more on my 'personal rate of inflation' which I can tell you is a hell of a lot higher than CPI. For instance, my healthcare premiums are way up more than CPI since 2010. So is my...
by AtlasShrugged?
Wed Jun 27, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 6111

Re: Timing exit from megacorp

Hoeboe....There was a time, not so long ago, where an employee and an employer could work things out to their mutual benefit. You'd tell your COO you intend to retire, the company would plan, there would be a nice party with a gold watch, and the company would send you off with a nice little severan...
by AtlasShrugged?
Wed Jun 27, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: Geopolitical events [Impact of recent trade policy decisions on the market]
Replies: 22
Views: 2358

Re: Geopolitical events [Impact of recent trade policy decisions on the market]

Bogleheads....aside from Nisiprius' illustration (Iliked it a lot), which did not really address "trade policy" as I have understood this term. I have not really seen a good answer here. The question, as I understand it, is what happens in an investing sense when countries start levying tarriffs and...
by AtlasShrugged?
Sun Jun 24, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22001

Re: Did you celebrate when you finally hit $1m?

Bogleheads....maybe it is me, but when I hit 1MM, I am going to really have a celebration. Are you kidding me? I will treat my DW and I to the very best dinner I can find in Philly. With a little luck, staying employed, and a 7% compounded return....that party will happen in about 12 years when I tu...
by AtlasShrugged?
Sun Jun 24, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8789

Re: Retirees: When you cut spending, what do you cut?

Bogleheads....Fascinating replies. The overwhelming majority (in fact, I think every one) would look at 'large, but temporary' cuts instead of 'small, but permanent' cuts. I would be interested in hearing any Boglehead who actually went the 'small, but permanent' cut route. I am also interested in h...
by AtlasShrugged?
Sat Jun 23, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15395

Re: How much (green) cash at home for emergency ?

My question is: how much cash should I have to evacuate and reside in a safe area for 2 months or longer? Is $10,000 green cash hidden on the premises reasonable ? Interested in your thoughts. burt....I am going to give you a contrarian view. We (DW and I) keep just north of 25K in "greenage" (mean...
by AtlasShrugged?
Sat Jun 23, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8789

Retirees: When you cut spending, what do you cut?

Bogleheads.....I am a fan of a number of different academics (Swedroe, Bernstein, Pfau, Kitces, etc). I recently ran across a post from kitces.com that discussed the effect of 'large, but temporary' spending cuts versus 'small, but permanent' spending cuts on safe withdrawal rates and portfolio surv...
by AtlasShrugged?
Thu Jun 21, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 3493

Re: Is technology the reason for low inflation?

mptfan....You ask an interesting question. The answer, in part, depends on your personal rate of inflation , IMO. If you sent a child to college in the last decade (I sent two), you have not seen low inflation. If you have a chronic health condition, you have not seen low inflation. If you are tryin...
by AtlasShrugged?
Tue Jun 19, 2018 6:16 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 49
Views: 5268

Re: Larry Swedroe: What If Your Plan Fails?

Bogleheads....reviving this thread. I reread the article from Larry, and then I took a look at Estrada's paper. And I thought about RAS and D-RAS. Pretty nifty metric, particularly D-RAS. I really would like to see a more in-depth examination of D-RAS. In the paper (pretty dense on math), Estrada an...
by AtlasShrugged?
Sat Jun 16, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 11
Views: 3013

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

The data will be available in September, and the IRS will announce the limits for 2019 in October. Yes....If I am doing the math right, the current calculation using CPI laid out in Internal Revenue Code section 219(b)(5)(C) yields a calculation of 5,900+, which I believe means the limit will go fr...
by AtlasShrugged?
Sat Jun 16, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 11
Views: 3013

Will rising inflation increase 401K and Roth contribution limits for 2019?

Bogleheads....I am wondering the likelihood of Roth IRA contribution limits increasing to 7K (6K + 1K catchup), and 401K limits going to 25K (19K + 6K catchup) in light of rising inflation. My guess is that it will, but I think this depends on the CPI in August, right? My other question is whether t...
by AtlasShrugged?
Thu Jun 14, 2018 6:27 am
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 5547

Re: The Deep History of Stock & Bond Returns

This suggest that, data quality issues aside, investing in the broad universe of available global equities has provided fairly consistent risk-adjusted returns for over four centuries. SimpleGift....I have greatly enjoyed your history posts; I am an amateur student (dilettante?) of history myself. ...
by AtlasShrugged?
Wed Jun 13, 2018 5:25 am
Forum: Investing - Help with Personal Investments
Topic: Paying off a mortgage: Incentivized by new tax law?
Replies: 17
Views: 1733

Re: Paying off a mortgage: Incentivized by new tax law?

You do realize that NJ is one of a few high-tax states (along with NY and CT) that have said they are allowing tax payers to deduct their state taxes as a charitable contribution, and thus continue to itemize and get the full (uncapped) deduction? Admiral...Yeah, I read that. We'll see. I am not ho...
by AtlasShrugged?
Tue Jun 12, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Paying off a mortgage: Incentivized by new tax law?
Replies: 17
Views: 1733

Paying off a mortgage: Incentivized by new tax law?

Bogleheads....I need some advice on whether to direct money toward paying down a mortgage, or establishing a taxable account. Some background. I currently max out my 401K and Roth IRA (finally!). Wife has a Roth she contributes to. So we are pretty much maxing out our tax advantaged space. For healt...
by AtlasShrugged?
Mon Jun 11, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 38729

Re: Bogleheads, tell me about your 40's?

What did you learn, what do you wish you had done differently, or what do you wish you had known at 40? Did you have any "crisis" experiences? Let's hear it! Brian2013....I congratulate you (a little early) on reaching this milestone (age 40). You are about to enter your second 'Golden Age' (circa ...
by AtlasShrugged?
Mon Jun 11, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 7256

Re: General Electric

I know several former GE employees who would tell you that GE is on its second consecutive bad chairman. FedGuy (and others)....This one is pretty simple for me. Her money, her portfolio, her decision . When she made the buy, I merely asked her reasoning and her rationale. I have also learned over ...
by AtlasShrugged?
Sun Jun 03, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: Reading Suggestions for Retirement Planning
Replies: 9
Views: 1174

Re: Reading Suggestions for Retirement Planning

+1 on McClung's 'Living off your Money
+1 on Quinn's 'How to Make your Money Last'

Very much looking forward to reading Larry Swedroe's upcoming book.
by AtlasShrugged?
Sat Jun 02, 2018 6:05 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 7256

Re: General Electric

sawyer_sully....Time for a contrarian view. My wife recently purchased a chunk of shares when GE tanked after Immelt left. It was her money. But I was curious about her reasoning. You see, my wife is an immigrant (now a citizen), and brings a very different perspective to things that I have come to ...
by AtlasShrugged?
Sat Jun 02, 2018 5:52 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 12832

Re: To be or not to be complex, that is the question

Bogleheads...One strong factor to consider on the question of simplification: Who you leave behind when you die. Over the last year, I have been whittling down funds. I now have a three fund portfolio in my Roth, and a four fund portfolio in my primary 401K. All are low cost index funds through Fide...
by AtlasShrugged?
Sat Jun 02, 2018 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Milestones on the way to FI [Financial Independence]
Replies: 33
Views: 4460

Re: Milestones on the way to FI

Ari....You might want to consider using your 'Funding Ratio' as your yardstick. I have found that metric very helpful, and humbling. Bobcat2 has written about this a lot, and it has significantly influenced my thinking. And saving habits.
by AtlasShrugged?
Mon May 28, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 4953

Re: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?

I thought 'aj76er' had this right. The couple's situation seems tailor made for VPW. Is there SS or not. I don't think there was an answer to that question.
by AtlasShrugged?
Mon May 21, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 89141

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Why 5% real and 1.8% real? Because nobody was able to provide me with better WAGs than using long-term historical world-wide stocks and bonds returns since 1900. longinvest....Yep, I read your post. The snippet above made me smile. On another note, a response you made to me some time ago makes more...
by AtlasShrugged?
Mon May 21, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 4338

Re: Edelman & Financial Engines merging

Ok, time for someone to say something nice about Ric Edelman. I am not an Edelman client - I did not want to pay the 1.5% AUM fee. :shock: There is one service though that Edelman does provide that I feel gets lost in the Ric-Ripping: He does provide a free consultation , and in my case, it resulted...
by AtlasShrugged?
Mon May 21, 2018 6:02 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 89141

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

In short: a "tilt" is just saying "if the market is undervalued, that means future expected returns are higher, which means I can take some risk by increasing my starting withdrawal rate". Since the market is currently not undervalued by the metrics McClung chose, there's not much room to increase ...
by AtlasShrugged?
Sun May 20, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 2098

Door Dash: Has anyone used?

My eldest son (launched from nest 1.5 years ago) was talking to me on the phone recently. He mentioned an app called 'Door Dash'. Basically, from what I gather, it is a glorified food delivery service. In his case, he had Cheesecake Factory food delivered to his apartment. He was doing some heavy du...
by AtlasShrugged?
Sun May 20, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 15
Views: 5502

Re: Wow! Just discovered "Portfolio Visualizer".

My advice: Keeping playing with PV. Lots of good stuff there. I use the Monte Carlo functionality. You might want to complement your PV play with Portfolio Charts (portfoliocharts.com). I really like it for the complex visualizations. I seem to recall some guy, Tyler 9000, has something to do with i...
by AtlasShrugged?
Sun May 20, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 102
Views: 5795

Re: Road trip Newark NJ to Albany

Yo.....dodecahedron nailed this one. Take the train(s). EWR airport has a train that hooks up to NJ Transit. NJ Transit to NY Penn Station. Then hop an Amtrak train to Albany and rent your car there. Albany is 'Meh' (to me). I loved Cooperstown (love baseball), Lake George and Fort Ticonderoga (a bi...
by AtlasShrugged?
Sun May 20, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 35
Views: 4194

Re: Has Firecalc or I-ORP altered your retirement plans?

Mostly, these tools have terrified me. They show how woefully behind I am. :shock:
by AtlasShrugged?
Sun May 20, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 89141

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I am trying to wrap my head around 'tilt'. It is the author's method to adjust the initial withdrawal rate. And there are a bunch of tilts here (0% to 60%). In the book, the author states it might be appropriate to have a 50% or 60% tilt if you are invested in just US equities (pg 228). But right af...
by AtlasShrugged?
Sun May 13, 2018 5:32 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 18368

Re: What Percentage CASH are you?

I can certainly understand the decision to keep much of your wealth in cash, but physical bills in a home safe seems unbelievably risky to me. bayview....We'll take our chances. It has worked out just fine, so far. No fires. No floods. Nobody shot. I'm not particularly concerned. :happy Over time, ...