Search found 3078 matches

by heyyou
Thu Sep 20, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 60
Views: 5838

Re: Don't trust Tripadvisor reviews

Looking for certainty in investing, sure doesn't work. Now I'm wondering if that applies everywhere in life.
by heyyou
Thu Sep 20, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 124
Views: 9694

Re: Did you really have something to retire to?

Most of the 50 previous responses had a snippet or more that describe my preference for retirement over the alternatives at either end of it.
by heyyou
Tue Sep 18, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2639

Re: Facing Retirement at year end

Consider selling and moving to a cheaper area with golfing. The carrying costs of the nice house are going to wear thin on a tight budget. My small town in the foothills of the higher, (cooler) part of Arizona, has many retirees, who left California for economic reasons after the year 2000 stock mar...
by heyyou
Tue Sep 18, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Advantage of Rebalancing for different asset allocations
Replies: 25
Views: 1418

Re: Advantage of Rebalancing for different asset allocations

Portfolios of almost all stocks with a sliver of bond fund holdings, will outperform an all stock portfolio due to rebalancing the bonds into stocks after a stock crash, thus buying even more stocks at their recently reduced prices. The ratio was either 93/7 or 87/13, rounded to 90/10 back in the da...
by heyyou
Mon Sep 17, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52440

Re: That Extravagant Thing You Do

Early retirement and ultralight backpacking gear, as mentioned by others.
Dyneema / Cuben Fiber ultralight camping gear.
by heyyou
Mon Sep 17, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 49
Views: 4156

Re: Delaying SS? How Long It Will Take for It to Pay Off?

1) If she outlives me, a later SS start is better for us. 2) So far, delayed gratification has helped me to retire at 55, into the best years of my life. I'm going to try waiting until 70, because I can. Others are welcome to do whatever suits them. There is not a wrong answer, as much as less optim...
by heyyou
Sun Sep 16, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Disrupted Expectations
Replies: 53
Views: 6055

Re: Larry Swedroe: Disrupted Expectations

Schiller has noted that those who had good returns in the accumulation years, should expect lower returns in the decumulation years. That level of forecasting accuracy is adequate for me. McClung, writing in 2015, wrapped his 30 year data beyond 1985 by adding in 1926 and its following years' data. ...
by heyyou
Sun Sep 16, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 111
Views: 8055

Re: Delaying Social Security Until 70

About those 2% who do wait until 70 to start SS: Morgan Housel wrote that most people are not good at saving, therefore you have to act differently than most, to be a saver. That describes we Bogleheads quite well. I took my no-COLA pension (with its risky longevity) at age 55, spending 2-3% of the ...
by heyyou
Sat Sep 15, 2018 1:21 am
Forum: Investing - Theory, News & General
Topic: Pension alternatives
Replies: 41
Views: 3197

Re: Pension alternatives

OP, sounds like you want more income from your current portfolio. Real estate is due for another crash, since its growth from the previous crash. My opinion is to work on adjusting your expenses to your projected retirement income instead of trying to garner more from your current assets. Can you fi...
by heyyou
Wed Sep 12, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Benchmark Smoke And Mirrors
Replies: 14
Views: 1149

Re: Larry Swedroe: Benchmark Smoke And Mirrors

More money is good, but striving for perfection drives both innovation and dissatisfaction.
by heyyou
Wed Sep 12, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 111
Views: 7378

Re: Argument for taking social security before 70. Comments?

Like much of the rest of life, there is not just one best answer for all, due to so many variables. This thread is the first one where I've noticed multiple market returns being considered in the waiting period. Most just assume one average number. For the polling, I'm delaying to 70 (high earner), ...
by heyyou
Fri Sep 07, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Check my Roth conversion math
Replies: 4
Views: 695

Check my Roth conversion math

Married Filing Jointly (MFJ), & one of us is age 65+ (68 & 59) taxable dividends and interest (D & I) have been over 7600 and under 7900 for the last three years, rounded to 8000 for this calculation no COLA pension is 40,800 and no SS until the month when I turn 70 in 2020 the 12% bracket for MFJ i...
by heyyou
Sat Sep 01, 2018 2:25 am
Forum: Investing - Help with Personal Investments
Topic: Anyone allocate TSM/SV/TB
Replies: 4
Views: 506

Re: Anyone allocate TSM/SV/TB

As mentioned by MotoTrojan, VG's Small Value fund is half mid-sized including its mid-blend. Take a look at it in Morningstar instant x-ray. The fund could be used if you boosted the % amount of it in your allocation, so it is not bad, just not exactly what its name suggests.
by heyyou
Fri Aug 31, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: All-value portfolio tilt on 3-fund portfolios
Replies: 6
Views: 640

Re: All-value portfolio tilt on 3-fund portfolios

Are you aware of Trev H's 4 fund, value tilted , all Vanguard (VG) portfolio, as a substitute for Merriman's 10 fund, other slice and dice portfolio? It consists of four equal slices of domestic LG and SCV plus foreign LV (actively managed VTRIX) and foreign Small blend. https://www.bogleheads.org/f...
by heyyou
Thu Aug 30, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13361

Re: 2000-2018 retirement - sequence of returns

McClung has some suggestions about retirement spending: Expect to adapt your spending to your current portfolio value as it fluctuates. Spend from only the bond funds, letting the stock funds grow, rebalancing into the bonds when stocks are up. Start with a near 50/50 allocation to have enough bonds...
by heyyou
Thu Aug 30, 2018 1:09 am
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 6634

Re: Playing with Callan's periodic tables of investment returns

Can't find the link now, but someone in the past, posted a Callan Table with zero % as the reference line for stacking the colored blocks, more clearly showing the differences between the + and - returns for each year. Low returns don't feel as bad as the negative ones. On a paper Callan Table, we c...
by heyyou
Tue Aug 28, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 113
Views: 9539

Re: Small Value Premium - How Do You View It?

There is an entire spectrum of "good enough" portfolios. There is no need for seeking optimal, which is a form of greed. Choose whatever suits you from the initial group, expecting your choice to be different than what others choose. The market has space for all of us.
by heyyou
Tue Aug 28, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Views on VNQ / GLD with the market at highs
Replies: 6
Views: 569

Re: Views on VNQ / GLD with the market at highs

Been thinking of ............................... given the current market highs.
I've paid for my education about wanting alternatives to preserve my portfolio gains, and I no longer try for that.
by heyyou
Sun Aug 26, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 82
Views: 9308

Re: Call the Top!

I agree with Jason Zweig, "Don't know and don't care."
by heyyou
Sun Aug 26, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: New highs and portfolio growth in retirement
Replies: 10
Views: 1159

Re: New highs and portfolio growth in retirement

Retired in 2005. Portfolio is now 25% higher than when I retired, assisted by a small no-COLA pension and our low living expenses.
by heyyou
Sun Aug 26, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13361

Re: 2000-2018 retirement - sequence of returns

4% SWR with consistent annual inflation adjustments is so 1990s. As mentioned far above, skip the inflation adjustments on down years, per Kitces and David Zolt's TPA. Or McClung's: Start with a 50/50 allocation, but spend only from bond funds until they are gone, if no opportunity for rebalancing a...
by heyyou
Sun Aug 26, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9586

Re: What is your stealth way to save monthly?

See Automatic Millionaire books by David Bach, try the library first before buying a used one. See impulse buying below. Set up payroll deductions to all savings accounts so you never see the money in your checking account. Realize that you will always feel that you want more, so spending more will ...
by heyyou
Sun Aug 26, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6634

Re: How do you calculate net worth with pensions?

How do you calculate net worth with pensions?
I don't, since the number is not useful to me. Others are welcome to do whatever suits their fancies.
by heyyou
Mon Aug 20, 2018 3:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: A 5 Factor Evaluation
Replies: 21
Views: 3879

Re: Larry Swedroe: A 5 Factor Evaluation

but pretty much I bought stocks because they go up and go up more than bonds or CDs
I too skipped the erudition, but so far, so good.
by heyyou
Mon Aug 20, 2018 2:45 am
Forum: Investing - Theory, News & General
Topic: Another reason to be wary of international stocks...
Replies: 22
Views: 3498

Re: Another reason to be wary of international stocks...

There is always something that looks like it could go wrong soon, but what does go bad is seldom what was expected. I know that I don't know, so staying the course is the best that I can do. Shiller has noted that those with good returns in the accumulation years, could expect lower returns in the d...
by heyyou
Mon Aug 20, 2018 2:07 am
Forum: Investing - Help with Personal Investments
Topic: Recently Retired – Request Help to Simplify Portfolio, Advice on Roth Conversions, and Taking SS
Replies: 15
Views: 1722

Re: Recently Retired – Request Help to Simplify Portfolio, Advice on Roth Conversions, and Taking SS

Annually sell some of the Mega Corp stock. Yes, it will then immediately go up, but no one here wants to have that much tied up in one business. As a lesson about single stock ownership, look at what has recently happened to formerly reliable General Electric and its stock price in the last few year...
by heyyou
Sun Aug 19, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Matter/Scatter part 8: Small-caps
Replies: 5
Views: 978

Re: Matter/Scatter part 8: Small-caps

It would also be informative to see how much extra the no-Small Caps saver would have had to save in order to compensate for the very slightly higher performance of the added Small Cap exposure. My point being that Small Caps are not necessary for retirement portfolios, but they do help a little bit...
by heyyou
Sat Aug 18, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10368

Re: Vanguard predicts 10 year equity returns

With more than a decade of retirement spending in bond funds, at my house, we will be okay for a while. I will wait until later to be concerned. Living within your means does not end on retirement day.
by heyyou
Sat Aug 18, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt - value vs. growth
Replies: 25
Views: 1828

Re: Small cap tilt - value vs. growth

by spdoublebass » Fri Aug 17, 2018 8:07 pm I ........hold market weight.... but if I were going to tilt I would use the Extended Market index. I know it's not the point of the fund. I just sometimes feel so top heavy with the market weight numbers. My underlining of the above. I agree and my tilt i...
by heyyou
Tue Aug 14, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 4013

Re: How can I use the Rising Equity Glide Path?

David Zolt has previously proposed something very similar to the above. When using Bengen's SWR method, to avoid Sequence of Return Risk, permanently skip the next annual inflation boost after any year when the portfolio value has fallen. I wonder if that solution will only work on a high inflation ...
by heyyou
Mon Aug 13, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Importance of sequence of real returns for SWR, CAPE valuation, and Luck
Replies: 95
Views: 4297

Re: Importance of sequence of real returns for SWR, CAPE valuation, and Luck

Someone (Shiller?) noted that those with good returns during their accumulation years, should expect to have lower returns in their retirement years, and vice versa. Avoid spending methods based on only the retirement day asset value. Spending a calculated percentage of the recent portfolio balance ...
by heyyou
Mon Aug 13, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 4013

Re: How can I use the Rising Equity Glide Path?

Almost on topic: McClung suggests starting with very near 50% in bond funds, then spending from only those bond funds, rebalancing when the equities have grown to 120% real (inflation adjusted) from retirement day, while 110% or 100% are only slightly less optimal rebalancing points. It is bond depl...
by heyyou
Tue Aug 07, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Thoughts on XSOE EM index fund
Replies: 3
Views: 306

Re: Thoughts on XSOE EM index fund

Short version: In general, a less risky EM fund is a niche product, and I no longer trust the marketing of a risky product that supposedly has less risk than its competitors. My opinion is that all of the other EM fund managers would be aware of those state ownership percentages and would buffer tha...
by heyyou
Mon Aug 06, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Those who retired and moved to another country, where did you go?
Replies: 12
Views: 3213

Re: Those who retired and moved to another country, where did you go?

I want to look at far western Panama where Puerto Armuelles has inexpensive Pacific beach properties, or the other side of the 11,000 foot volcano from Boquete (at 4500' elevation) where latitude and altitude combine to 70s temperatures, year 'round. It's the tropics, so the two seasons are wet and ...
by heyyou
Mon Aug 06, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4997

Re: Maui Hawaii Trip - How to save money?

Anywhere in Hawaii, my wife would rather eat yogurt topped with macadamia nuts (sometimes with shredded coconut) served in half of a cleaned, ripe papaya, than any cooked breakfast, either at our lodging, or in a restaurant where it is likely on the menu.
by heyyou
Mon Aug 06, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6744

Re: "Dollar Tree Store" favorites

Kappa brand Sudoku books windshield reflector made from bubble wrap, weight 1 oz., for supplemental sleeping warmth on backpacking trips their oil change pans used as bird and pet water dishes in the yard I know of a grandpa who takes his young g-kids there for them to shop, and let's each of them c...
by heyyou
Sun Aug 05, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4814

Re: Dear BH, what are non-BH actions you do?

My name is heyyou. I am a slice and dice portfolio owner, and I'm not even trying to give it up, in spite of the fund ERs.
In review, maybe I'm not a BH, just an imposter posting here.
by heyyou
Sun Aug 05, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4997

Re: Maui Hawaii Trip - How to save money?

Buy a used copy of the book titled Maui Revealed and study it before your trip, not just on the flight to there. Not quite on topic: Next time, go to Big Island by flying direct to Kona but mostly stay in Hilo (few direct flights to Hilo) for a less expensive but still very Hawaiian vacation. The to...
by heyyou
Sun Aug 05, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2603

Re: Yogi said it. It must be true.

For many years, Yogi played for Casey Stengel who was known for his Stengelese aphorisms. Catchers and managers likely have closer relationships than some who play other positions on the field. http://www.baseball-almanac.com/quotes/quosteng.shtml My favorite: "I got players with bad watches - they ...
by heyyou
Sat Aug 04, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Matter/scatter, part 8: Small-caps
Replies: 4
Views: 1075

Re: Matter/scatter, part 8: Small-caps

Not a request for Nisi, but the real question is how much more VG small cap is needed to equal the returns of the higher cost DFA small cap fund? 5% more VG small cap vs. the DFA small cap in the stock portion, isn't much difference in a 60/40 allocation.
by heyyou
Thu Aug 02, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: How much does it matter, considering scatter? Part 1 of many: Introduction
Replies: 38
Views: 4649

Re: How much does it matter, considering scatter? Part 1 of many: Introduction

Consider using the differences to calculate how much extra savings per time unit would be needed by the person who chose the lower performing fund for the entire period. $100 per month would matter, but not $1-10 per month. My point being that both funds are very good for their intended purpose, it ...
by heyyou
Thu Aug 02, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: 4 reasons we overcomplicate investing - Allan Roth
Replies: 5
Views: 1361

Re: 4 reasons we overcomplicate investing - Allan Roth

I'm wary of what works well in accumulation, may not do as well with steady withdrawals. Note that Small Growth and cap-weighted Large Growth do not perform well solo in retirement spending portfolios.
by heyyou
Thu Aug 02, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2819

Re: If History says.... would you change 4% rule ?

The OP is interested in other methods than Bengen's 4% SWR. A few posts above, Fishing 50 has a link to Big ERN's site with good info. The Bogleheads wiki has this page: https://www.bogleheads.org/wiki/Safe_withdrawal_rates Follow the links far below the reviews to the authors' original papers. I li...
by heyyou
Wed Aug 01, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1690

Re: Older Camrys - Hybrid vs regular?

Our recent battery replacement was $3000+ on our 2006 Prius. The battery is from Napa and was a rebuilt one with some guarantee, no memory of the details. Slightly newer models came with better batteries, which is a consideration.
by heyyou
Tue Jul 31, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: newbie from taiwan
Replies: 9
Views: 1042

Re: newbie from taiwan

Welcome to the forum.
You are already being a good Boglehead by saving and investing in Vanguard funds.
We are glad you found us.
by heyyou
Tue Jul 31, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2819

Re: If History says.... would you change 4% rule ?

"Rule" implies that we have to follow it, so that's amusing. 4% real SWR was the best of the first ones, in 1994. There have been numerous newer analyses done since then. I think I'll go with the fresher methods, as well as the better cars and phones since the 1994 models, but others are welcome to ...
by heyyou
Tue Jul 31, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: So go the FAANG, so goes the market?
Replies: 41
Views: 4635

Re: So go the FAANG, so goes the market?

So go the FAANG, so goes the market?
If I cared where the stock market goes, I suppose that could matter.
by heyyou
Mon Jul 30, 2018 2:03 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11806

Re: Passive Index Investing, A Bubble Bound To Burst?

I’m not convinced that indexing is superior for international: https://www.portfoliovisualizer.com/bac ... ion3_3=100 EDIT: That’s 21 years, by the way. The big jump was only in 2017 as shown by the annual bar graphs, a jump after 20 years of gains similar to the others. argumentum ad absurdum woul...