Search found 427 matches

by SimplicityNow
Mon Jun 18, 2018 4:52 am
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 13
Views: 2711

Re: Our interview with Taylor Larimore

Thanks for the link to the interview and many thanks to Taylor; not only for his upcoming book, but for his kind, gentle and consistent advocacy (just like his mentor Jack!) to benefit the everyday investor.
by SimplicityNow
Sun Jun 17, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 61
Views: 4130

Re: Very confused with the current market

Your assumptions #1 and #2 are flawed.

Don't time the markets.

LOL @ Livesoft re: psychopaths.
by SimplicityNow
Sun Jun 17, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 44
Views: 4251

Re: I feel like selling my 3 fund

Two things are obvious to me from your post. 1) You are very risk adverse 2) You need to learn more. #2 should be your top priority before you do anything! Make it a priority to read, read , read. The Bogleheads guide, anything written by John Bogle, Jonathan Clements, Rick Ferri would be a great be...
by SimplicityNow
Sat Jun 16, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1113

Re: Wanting to learn: seeking approval or criticism on my portfolio

I view a pension as an income stream, not a bond position. The pension for both of you is many years away. Not something I would count on 20 years out unless it is something like a federal pension or a state or local government pension that is very well funded. I also agree with the other posters re...
by SimplicityNow
Thu Jun 14, 2018 7:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 201
Views: 26938

Re: Roll Call for the Retirement Class of 2018!

Congratulations to the Class of 2018 from a recent graduate of the Class of 2017 (October).

I know the decision can be a difficult one but rest assured many of the doubts will fade once you take the plunge.

Best of luck to all.
by SimplicityNow
Thu Jun 14, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 45
Views: 4727

Re: 47 and clueless - direction needed

As already has been said, the "advisor" and I mean that sarcastically hasn't given you good advice. The very good news is that you realized it and are prepared to do something about it. That is great. Also great is that you have no debt! Well done. You might want to consider moving your investments ...
by SimplicityNow
Tue Jun 12, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 175
Views: 14287

Re: Life in retirement - what did you do today?

I'm fairly new to retirement (last October) so still getting use to it :) Stayed up late last night so I woke up late today. I love not having to set the alarm. Had a healthy breakfast, read the news. Took my pups for a short walk . Returned home and dealt with a malfunctioning pool robot. Admitted ...
by SimplicityNow
Mon Jun 11, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 62
Views: 4973

Re: Strategy for a prolonged bear market

I don't think it is a plan to bail, at least not a plan that is strategized in advance. More of, "I can't take any more of this" and I would think that is based on panic and fear rather than something based on a need for cash to meet expenses. That said, never underestimate panic and fear. There is ...
by SimplicityNow
Sun Jun 10, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Help for my Mom - She's 86
Replies: 10
Views: 856

Re: Investing Help for my Mom - She's 86

Continue with your father’s method, but maybe create a 3 or 5 year CD ladder. She has $700,000 in assets and more income than she needs to meet her basic expenses. If she needs to dip into her CDs, it would most likely to be to pay for assisted living or nursing care. There is no need to put any of...
by SimplicityNow
Thu Jun 07, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 2914

Re: Just added bonds to portfolio

If you are retiring early (and we don't know your ages and how long the expected retirement will be) then the 4% "rule" may be too aggressive. You can read some work done on the topic at http://earlyretirementnow.com The Trinity study which is where the idea of a 4% withdrawal rate derives from is w...
by SimplicityNow
Thu Jun 07, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Stick to the Plan... or Kick the Can? (Time to Rebalance)
Replies: 24
Views: 1566

Re: Stick to the Plan... or Kick the Can? (Time to Rebalance)

This basically comes down to if your IPS and your asset allocation are right for you. If there is a change in your need, ability and willingness to take risk then a change to your allocation may be appropriate. If your lack of willingness to rebalance is based in what the market is doing right now t...
by SimplicityNow
Thu Jun 07, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 3676

Re: Fixed Income investments too conservative?

I agree with the OP's point of view. No need to chase yield. If you want to make a change however here is a simpler solution. Want the potential for higher return? Increase the percentage of stock funds in your portfolio. Of course that increases risk. I think it is better to take that risk on the e...
by SimplicityNow
Sat May 26, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: low fee index fund suggestions
Replies: 15
Views: 1124

Re: low fee index fund suggestions

All good advice you have been given in the prior posts. I will just comment on one thing you said was that you are late to the investing arena and want to make up for that lost time. DON"T The only consistent way to make up for that lost time is to save more. Trying to get higher returns comes with ...
by SimplicityNow
Fri May 25, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: I'm an indexer... but...
Replies: 37
Views: 4365

Re: I'm an indexer... but...

If you could go back in time 10 years the TRowe growth stock would have been the better choice (based on performance). But 10 years ago, you wouldn't have known that. What will the fund do in the next 10 years? I'm guessing you have no idea. How will VTASX perform? It will give you the total market ...
by SimplicityNow
Thu May 24, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 60
Views: 9626

Re: How big a portfolio should I have before retiring?

I let many months pass and emotion dissipate before re-reading this thread. I just wanted to thank everybody for their input, which caused me to make three changes. #1, I've reduced my planned withdrawal rate from 4% to a more reasonable 3%. #2, I've reduced my spending quite a bit. It wasn't worth...
by SimplicityNow
Tue May 22, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford to retire now?
Replies: 45
Views: 6610

Re: Can I afford to retire now?

I think you know this already but if you plan to sell the individual stocks with gains make sure that you aren't reinvesting those dividends into new purchases. As far as retiring early being detrimental to you health I would strongly disagree. I retired last year. I have lost 10 pounds and have the...
by SimplicityNow
Sat May 19, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 58
Views: 9157

Re: How long to hold 80/20 asset allocation

Im reigniting this in lieu of all the volatility the past few months. I’m a 1980’s born millennial that didn’t experience the 2008 crash. I’m still at an 80/20 allocation and I know that the approximate 10% correction the past few months was nothing compared to 2008 or 2001 or 1987. I keep seeing 1...
by SimplicityNow
Wed May 16, 2018 8:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9823

Re: Yes, I'm 89 all right! [Jack Bogle]

Thanks for all you do and continue to do for the everyday investor.

Was a pleasure meeting you at the last conference and looking forward to listening to your words of wisdom again.

Be well!
by SimplicityNow
Wed May 16, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8130

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Your friend may be right. It is just as likely your friend may be wrong. There are many "experts" out there who make similar predictions and most time they are wrong. The ones who are right tout their successes while conveniently forgetting their failures. Ask yourself this: If anyone was able to ac...
by SimplicityNow
Tue May 15, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: At a crossroads. Does my plan make sense?
Replies: 29
Views: 2703

Re: At a crossroads. Does my plan make sense?

Congrats on your decision. I believe it to be the right one. I retired last October although my wife is still working for a few more years. Although we have more then "enough", it didn't make the decision easier. I too have a lot of my identity wrapped up in my former profession. It takes a while to...
by SimplicityNow
Thu Apr 19, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3640

Re: Bill Bonner: what's your take?

Believe what you choose to believe. Obviously following his advice so far hasn't worked out too well for you. But you still want to follow his advice? Eventually he may be right. Or not. The simple fact is no one can predict the future. Most "experts" predict market returns in the next ten years wil...
by SimplicityNow
Thu Apr 19, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 22
Views: 2133

Re: Vanguard customer experience

Thanks to the OP for providing a detailed, fair and balanced account of your experience.
by SimplicityNow
Mon Apr 16, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning - Are we on the right path?
Replies: 10
Views: 1611

Re: Retirement Planning - Are we on the right path?

Duckie gave great advice (as usual). I will just point out that being over aggressive to make up for lost time can be a very grave mistake. The best method to achieving a larger retirement balance is to save more. It is not fun, nor glamorous but it is effective. Having a very aggressive stock/bond ...
by SimplicityNow
Mon Apr 16, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 3122

Re: What to do about withdrawal this year if market doesn't go up?

You obviously don't want to provide more specific information (which is fine) but without it, the answers you are going to get won't be targeted to your situation and won't be as helpful.
by SimplicityNow
Sun Apr 15, 2018 7:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 201
Views: 26938

Re: Roll Call for the Retirement Class of 2018!

Congratulations to all the retirees from the class of 2018!

I retired last October and it was a great decision for me. I got to enjoy my very first day of retirement at the 2017 BH conference.

Enjoy every day!

member of the Class of 2017
by SimplicityNow
Sat Apr 07, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup...first year attending
Replies: 4
Views: 778

Re: Financial Checkup...first year attending

Looking for any tweeks, advice, or general encouragement you may have (especially regarding investment portfolio)...thanks :) Background: Me: 31 years old. 1st year attending in Emergency Medicine, gross ~375K as IC / yr (as sole prop; accountant has looked at situation and doesn't think LLC filing...
by SimplicityNow
Wed Apr 04, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2695

Re: SPOT [Investing in Spotify]

nick2302 wrote:
Wed Apr 04, 2018 6:36 am
Anyone have thoughts about Spotify? I am so tempted to jump in and buy some so I don't miss yet another internet darling. Other thoughts, ideas about this company?

Thanks in advance.
If you want to gamble then go to Vegas, put the money on black 22 and spin the wheel.
by SimplicityNow
Mon Apr 02, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: bear market and rebalancing to lower risk
Replies: 13
Views: 1154

Re: bear market and rebalancing to lower risk

I'm not quite sure why the title of your thread says bear market and rebalancing to lower risk. Changing your asset allocation based on your circumstances is one thing. Changing it because you think a bear market is coming is a different animal. To answer you question, no, my risk tolerance hasn't c...
by SimplicityNow
Sat Mar 31, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree looking for investment advice
Replies: 15
Views: 1878

Re: Retiree looking for investment advice

If you want to take additional risk than in a total bond or money market fund you could consider the Vanguard Life strategy income fund. It is 20% Bonds/80% stocks . I believe that is reversed. Should be 20% equity 80% bonds. But your point is well taken. Yes I reversed it. My mistake.
by SimplicityNow
Sat Mar 31, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Substantial initial investment + Overvalued market = Trouble?
Replies: 28
Views: 2982

Re: Substantial initial investment + Overvalued market = Trouble?

Maybe you should spend more time soaking up the knowledge and information here and less time listening to talking heads on TV with an agenda. You are discussing market timing. You are rationalizing and trying to come up with valid excuses for it, but at the end of the day that is what is is. Before ...
by SimplicityNow
Wed Mar 28, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree looking for investment advice
Replies: 15
Views: 1878

Re: Retiree looking for investment advice

I'm going to reiterate what others have said. You cannot keep going in and out of the market and expect that to end well. You wee already in 2 conservative funds and pulled out. Now you are considering going back into the same conservative fund? It doesn't make any sense. If you want to take additio...
by SimplicityNow
Wed Mar 28, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1338

Re: Freshly Minted Boglehead

I have not much to add other then welcome to the forum.

I thoroughly enjoyed reading your success story and wish you and your family many more years of success and happiness.

Thank you for your service.
by SimplicityNow
Fri Mar 23, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting - Inevitable Bear Market?
Replies: 13
Views: 2051

Re: Just Starting - Inevitable Bear Market?

If you do some reading here you will see that posts like yours are not unique. As many here have told you already, your plan is flawed. You cannot tell when the market is low and you cannot tell when the market is high. Unless you count looking in the rear view mirror. You are making judgements base...
by SimplicityNow
Fri Mar 23, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18128

Re: Are we missing recession /bear market beginning

These posts always crop up when the market is down. However last year when the market seemed to go up and there was a new excuse as to why every single day, then everyone was fat, happy and not complaining. Some people just should not listen to financial news. Instead they should read a book on beha...
by SimplicityNow
Tue Mar 13, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: New invester need help
Replies: 8
Views: 575

Re: New invester need help

RedYukimura wrote:
Tue Mar 13, 2018 5:03 pm
Since the downside of stock market, I am wondering if it is still good time to start invest in vanguard index fund or balance fund. YES Please give some advices to new comers...
by SimplicityNow
Tue Mar 06, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvestment questions.
Replies: 12
Views: 1053

Re: Vanguard reinvestment questions.

first off why s&p vs total stock? yes, just dont reinvest them, send them to a sweep or bank, then buy what you want. I am new to this and have read that the S&P-500 index is a fairly good start (Warren Buffett suggests this for amateurs). Would total-stock be better? How would I go about sending t...
by SimplicityNow
Tue Mar 06, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvestment questions.
Replies: 12
Views: 1053

Re: Vanguard reinvestment questions.

After it is open, you can direct the divs to the new fund. Thanks. How exactly do you do this? Do the dividends accumulate in a separate account, which is then able to be direct elsewhere? When you set the account up you have the choice of either the dividends being reinvested OR the dividend go in...
by SimplicityNow
Tue Mar 06, 2018 8:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 5138

Re: Nisiprius at 35,000 posts

Great acknowledgement of an individual who has added to the wealth of knowledge here with every single post.

Well done and congrats. I am looking forward to the next 35,000.
by SimplicityNow
Fri Mar 02, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 9
Views: 906

Re: Am I on the right track?

Welcome to the forum. From a quick review of your investments I can see you are very risk adverse. It looks to me as if you are less then 10% equities and the rest in various form of fixed income assets. I don't know if 5 years away from your anticipated retirement is a good time to be making major ...
by SimplicityNow
Thu Mar 01, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429874

Re: U.S. stocks in freefall

CantPassAgain wrote:
Thu Mar 01, 2018 12:54 pm
SimplicityNow wrote:
Wed Feb 28, 2018 5:23 pm
More people wanted to buy then sell. More people wanted to sell then buy.
This is one of those times when the distinction between "then" and "than" is important (although I would argue that it is always important).
Yes my fingers moving faster "than" my brain.
by SimplicityNow
Thu Mar 01, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 3973

Re: Beginner @ 46, so much to learn.

Sandtrap gave you good advice above.

We need more information provided in the recommended format located here:

viewtopic.php?f=1&t=6212
by SimplicityNow
Wed Feb 28, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on my investments and financials
Replies: 27
Views: 1809

Re: Looking for guidance on my investments and financials

I agree with the above posters. You need to take a step back and develop a plan including an investment policy statement. Expense ratios are relative and while the ones you mention are high, if they are the lowest that's available in a 401k or 403b plan then in comparison they might not be terrible,...
by SimplicityNow
Wed Feb 28, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429874

Re: U.S. stocks in freefall

These daily swings a + 30 - 40 + 45 - 40 make zero sense to me. Then stop trying to make sense of them. They don't. Short term increases and decreases can be based on anything. And the "experts" will of course postulate why they went up or down but they don't know either. More people wanted to buy ...
by SimplicityNow
Sat Feb 24, 2018 1:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 29
Views: 6387

Re: Any interest in forming Local Chapter on Long Island NY?

I guess it is a little surprising.

Although as a small data point, there are very few people I know on LI who are Bogleheads.

Most prefer to be mindless and fill the wallets of financial "advisors".
by SimplicityNow
Fri Feb 23, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 2% return?
Replies: 34
Views: 2963

Re: Guaranteed 2% return?

The best 5 year CDs are paying 3% according to www.depositaccounts.com. That is before taxes.

Depends on your tax situation whether it is worth it.

If it was me, I'd just pay it now.
by SimplicityNow
Fri Feb 23, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 9707

Re: Should I bite the bullet and invest in this market?

I opened an account with Vanguard with the intent of buying their mutual funds. (Namely total stock, total international, and some bond funds) I have had about $450k sitting in cash for too long and naturally have missed out on this great bull market. A few weeks ago I invested $35k in the total st...
by SimplicityNow
Fri Feb 23, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: When Stocks and Bonds Fall
Replies: 24
Views: 1609

Re: When Stocks and Bonds Fall

If your horizon is long term then, in my opinion, there is no reason to avoid Total Bond Index or Intermediate Bond Index. We are fortunate in that we have access to several good stable value funds that compose a good percentage of our fixed income assets. PS I enjoy Nisiprius' graphs, charts, expla...
by SimplicityNow
Tue Feb 20, 2018 11:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 29
Views: 6387

Re: Any interest in forming Local Chapter on Long Island NY?

Mel Lindauer wrote:
Mon Feb 19, 2018 11:00 pm
Let me know via PM if someone wants to step up and agree to be the Local Chapter Coordinator and I'll get your group established.
Thanks Mel.

Let's see if we get some additional interest. Right now we only have 4 and 1 of those 4 doesn't want to travel west ;)