Search found 30 matches
- Thu Mar 27, 2008 4:56 pm
- Forum: Investing - Theory, News & General
- Topic: Austan Goolsbee: "should not save in 401(k) accounts&qu
- Replies: 30
- Views: 7958
- Wed Jul 25, 2007 5:50 pm
- Forum: Investing - Theory, News & General
- Topic: a thought on inflation protection
- Replies: 11
- Views: 2932
Re: Don't give them too much credit...
worse still: there are too many times when the Fed aggrevated the troubles! (that said, i believe the Fed has done a good job over the past 20 or so years.)craigr wrote:Don't give the Fed too much credit on managing the economy. There are plenty of times in US history where serious financial troubles hit and the Fed couldn't do anything about it.
- Wed Jul 25, 2007 5:42 pm
- Forum: Investing - Theory, News & General
- Topic: Groupthink and Investment Choices
- Replies: 32
- Views: 8136
- Tue Jul 24, 2007 3:35 pm
- Forum: Personal Investments
- Topic: New (safer) asset allocation
- Replies: 18
- Views: 4863
- Thu Jun 14, 2007 8:09 pm
- Forum: Investing - Theory, News & General
- Topic: WTH? Ben Stein's "Perfect" Portfolio?
- Replies: 25
- Views: 10669
- Thu May 03, 2007 5:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is the most you've paid for a watch?
- Replies: 88
- Views: 39670
- Thu May 03, 2007 4:43 pm
- Forum: Investing - Theory, News & General
- Topic: Irrational Exuberance Duce
- Replies: 3
- Views: 1863
- Fri Mar 30, 2007 9:07 pm
- Forum: Personal Investments
- Topic: Roth IRA Contribution - tax filing requirement
- Replies: 2
- Views: 1452
- Sat Mar 24, 2007 10:11 am
- Forum: Personal Investments
- Topic: Help a young investor allocate his ROTH contribution
- Replies: 9
- Views: 4227
- Sat Mar 17, 2007 9:55 am
- Forum: Investing - Theory, News & General
- Topic: What goes up . . . becomes very popular
- Replies: 4
- Views: 2372
- Wed Mar 14, 2007 6:25 pm
- Forum: Investing - Theory, News & General
- Topic: Money market accounts vs. funds
- Replies: 8
- Views: 3389
1) as mentioned, make sure you're comparing the yields correctly.
2) while MMAs are insured, as a practical matter MMFs are quite safe so this is not a major consideration
3) a big difference, however, depending on how you plan to use the account, lies with restrictions. with a MMA you'll be limited on the number of withdrawals per month; with a MMF you'll be limited on the minimum size of withdrawals (but not usually on the number)
2) while MMAs are insured, as a practical matter MMFs are quite safe so this is not a major consideration
3) a big difference, however, depending on how you plan to use the account, lies with restrictions. with a MMA you'll be limited on the number of withdrawals per month; with a MMF you'll be limited on the minimum size of withdrawals (but not usually on the number)
- Mon Mar 12, 2007 7:46 pm
- Forum: Personal Investments
- Topic: Vanguard REIT vs TIAA-CREF Real Estate.
- Replies: 35
- Views: 25306
totally agree. especially since directly owned real-estate is so uncorrelated with both equity and fixed income ... it is a class by itself.BrianTH wrote:Just my two cents, but I think in the end we need to push back against the idea that every asset class should be categorized as either equity or fixed income. That may be a helpful classification system when you are first investing, but if you are actually getting to the point where you are considering a separate allocation to something like REITs, then I think you should take them on their own terms, and not try to force them into an overly simplistic classification framework.
- Fri Mar 09, 2007 3:16 pm
- Forum: Investing - Theory, News & General
- Topic: What's your U.S. : International ratio?
- Replies: 246
- Views: 52837
Brian: i'm not making that assumption ... nor do i think that assumption is implied in the original statement. i'm just passing on the observation, you can make of it as you wish.BrianTH wrote:d,
Well, that assumes "sales exposure" to an international market is the same thing as owning equities in that international market. That doesn't strike me as a plausible assumption.
- Fri Mar 09, 2007 1:20 pm
- Forum: Investing - Theory, News & General
- Topic: What's your U.S. : International ratio?
- Replies: 246
- Views: 52837
food for thought!?
"The S&P 500 has so much total international-sales exposure, your stock portfolio might not even need a separate international component for diversification. ... About 45% of the revenue of S&P 500 companies comes from outside of the U.S., and that figure could hit 50% by the end of the year, according to Silverblatt, the S&P analyst."
from Jonathan Burton, MarketWatch
Mar 7, 2007
"The S&P 500 has so much total international-sales exposure, your stock portfolio might not even need a separate international component for diversification. ... About 45% of the revenue of S&P 500 companies comes from outside of the U.S., and that figure could hit 50% by the end of the year, according to Silverblatt, the S&P analyst."
from Jonathan Burton, MarketWatch
Mar 7, 2007
- Thu Mar 08, 2007 9:16 pm
- Forum: Personal Investments
- Topic: Annuity/LifeTerm: scam or good deal for young investor?
- Replies: 14
- Views: 6283
- Thu Mar 08, 2007 3:21 pm
- Forum: Investing - Theory, News & General
- Topic: Emerging Mkts. What % of TOTAL retirement AA
- Replies: 32
- Views: 15313
- Mon Mar 05, 2007 6:56 pm
- Forum: Investing - Theory, News & General
- Topic: Are Safe Withdrawal Plans Neglecting Spending Reality?
- Replies: 34
- Views: 16343
- Sun Mar 04, 2007 9:43 pm
- Forum: Investing - Theory, News & General
- Topic: Rich Dad & Poor Dad, Robet T.
- Replies: 37
- Views: 22138
Re: sleazebag
well said!Zander wrote:dangerous sleazebag
- Sun Mar 04, 2007 8:37 pm
- Forum: Investing - Theory, News & General
- Topic: Rich Dad & Poor Dad, Robet T.
- Replies: 37
- Views: 22138
- Sun Mar 04, 2007 1:25 pm
- Forum: Investing - Theory, News & General
- Topic: what's your REIT allocation?
- Replies: 51
- Views: 91956
- Sun Mar 04, 2007 1:20 pm
- Forum: Investing - Theory, News & General
- Topic: TIP holdings
- Replies: 31
- Views: 17513
- Thu Mar 01, 2007 3:23 pm
- Forum: Investing - Theory, News & General
- Topic: Foreign ownership of US Debt- explanation?
- Replies: 15
- Views: 6562
- Tue Feb 27, 2007 2:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: The Greenspan Recession
- Replies: 15
- Views: 7566
bbbuuuttt ... he never said he was expecting a recession. what he did say, and what certainly makes sense, is: "While, yes, it is possible we can get a recession in the latter months of 2007, most forecasters are not making that judgment ...". the media like to hype whatever they can hype, often without regard to the facts.
- Mon Feb 26, 2007 6:56 pm
- Forum: Investing - Theory, News & General
- Topic: what's your REIT allocation?
- Replies: 51
- Views: 91956
what's your REIT allocation?
i'm curious to know what allocations Diehards might have for REITs, and your opinions of their current valuation.
- Mon Feb 26, 2007 6:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: IE Browser Spell Checker
- Replies: 3
- Views: 3450
- Mon Feb 26, 2007 4:46 pm
- Forum: Personal Investments
- Topic: CD's
- Replies: 25
- Views: 13696
fatwallet http://www.fatwallet.com/t/52/682884/ generally has the most current and highest rates listed ...
- Mon Feb 26, 2007 1:23 pm
- Forum: Personal Investments
- Topic: CD's
- Replies: 25
- Views: 13696
good rates aside, there's another good reason to go with an IRA CD at PenFed: there are no early withdrawal penalties! so you can lock-in for 7 yrs and if rates rise, simply trade-in for the higher rate.I have thought about transferring a part of my IRA to PenFed solely to get their higher CD rates
For IRA Certificates only: If the owner has reached age 59 1/2 or is permanently disabled, as defined in the Internal Revenue Code Section 72(m)(7).
- Sat Feb 24, 2007 5:43 pm
- Forum: Investing - Theory, News & General
- Topic: Swensen's Moron Portfolio
- Replies: 5
- Views: 4936
- Sat Feb 24, 2007 5:23 pm
- Forum: Investing - Theory, News & General
- Topic: Swensen's Moron Portfolio
- Replies: 5
- Views: 4936
almost 4, but not quite equal parts:
30% US Stocks
20% REITs
20% Foreign Stocks
30% Bonds (He recommends short term US and TIPS)
... perhaps you meant William Bernstein's No-Brainer Portfolio
25% in Vanguard 500 Index
25% in Vanguard Small Cap
25% in Vanguard Total International
25% in Vanguard Total Bond
30% US Stocks
20% REITs
20% Foreign Stocks
30% Bonds (He recommends short term US and TIPS)
... perhaps you meant William Bernstein's No-Brainer Portfolio
25% in Vanguard 500 Index
25% in Vanguard Small Cap
25% in Vanguard Total International
25% in Vanguard Total Bond
- Fri Feb 23, 2007 9:48 am
- Forum: Investing - Theory, News & General
- Topic: Why not just annuitize and be done with it?
- Replies: 52
- Views: 23541
apples to apples. SWRs are typically based on some assumed time horizon, i.e. 30 years. to correctly compare an annuity % payout to a SWR the two should be as equal as possible. since the annuity is implicitly assumed to be near 100% safe, the SWR should also use a near 100% probability. if the SWR is based on a 30 horizon, the annuity should be a 30 yr fixed term, not lifetime, single annuitant, with inflation adjustment. when this is done, i think you'll find the annuity % return to be more in line with the SWR.
as has already been noted, when using a SWR there is a great probability of having a considerable "final balance" ... with the annuity it is quarenteed to be zero.
as has already been noted, when using a SWR there is a great probability of having a considerable "final balance" ... with the annuity it is quarenteed to be zero.