Bogleheads.org

heyyou

For most, it is good to convert some when in a lower tax bracket prior to SS and RMD age. For you, the OP, not so much, since your retirement may not cause a reduction in your annual incomes. It is a good dilemma to have.

heyyou

My opinion is to keep it as long as your spouse likes seeing it. Consider it as the low earning, inaccessible part of your fixed income allocation. To pretend you like it, don't mention it again until the January after both of you have started SS. Matrimonial peace is worth more than whatever higher...

heyyou

Do what suits you while working. In retirement, Michael H. McClung suggests spending from a near 50% allocation to bonds, just to let the stock allocation grow longer. You rebalance from the equity side when it has grown to 120% of the retirement day amount, if it does. See how that carries a new re...

heyyou

At 68, waiting for 70 to start SS, I've just been winging it by making Roth conversions to at least the top of our tax bracket, since retirement. To me, reducing future taxes is delayed gratification. Even if I die early, my spouse will then have only half the deductions of a married couple at a tim...

heyyou

Past the end of the article, there is a link to other Joe Tomlinson articles in the archives of the magazine. Some of them are of interest, and some not.

heyyou

https://www.advisorperspectives.com/articles/2018/07/05/investing-lessons-from-a-top-poker-player A quote from the article in Advisor Perspectives: As Duke points out, once a belief becomes lodged, it becomes very difficult to dislodge. It takes on a life of its own, leading us to notice only evide...

heyyou

Dow 40000 prediction for 2025

You lost me at "prediction."
I agree with

by david1082b »
...still basic baitclick.

heyyou

I drove a UPS package delivery van for 30 years. Not recommended for others, but it was the best I could do. From diligent saving, a frugal wife, and no kids, we retired at 55 to a tranquil life of no hurries.

[Post format fixed by admin LadyGeek]

heyyou

from Morgan Housel:

One of my favorite ideas is that people should read more history and fewer forecasts. That’s not just true about business and investing topics, but for ourselves as well.

heyyou

I suppose that we will just have to muddle through, same as before this forecast, and the one before it.

heyyou

Consider using the Morningstar Xray tool to see the combined mix of the two chosen funds compared with what exposure you do want. It doesn't have to be 50/50.

heyyou

My question is, complexity aside, if you tend toward a "slice and dice" what do you think of essentially drastically lowering or even omitting the Large Cap category? The theory, if I am understanding it correctly, is that removing these two categories from this well-diversified portfolio results i...

heyyou

Late response by a year and a half, but my suggestion is using the RMD denominator (or the reciprocal percentage) for each year, on the entire portfolio value as of the end of the previous year. That raises the WD rate a little each year, and uses the most recent portfolio value which avoids overspe...

heyyou

Who knows? Who cares?
At 50/50 foreign and domestic, my returns will be good enough. I know better than for me to seek what looks like a more optimal allocation for the future.

For higher returns, try saving more.

heyyou

10x10, slice and dice, across the equity portfolio

heyyou

We sold the multi-story house in town, and moved to a small neighborhood a few miles from town, after we had a retirement sized house built there. Dear wife still has the same social circle, but it's now too far for me to enjoy walking to and from the grocery store. Somewhere in the Southeast, re-lo...

heyyou

As long as there are greedy people, indexing will not overly crowd stock market behavior. So far, so good, no end in sight.

Time for the Mark Twain quote, "Reports of my demise have been greatly exaggerated."

heyyou

I feel like I've been catching a falling knife with VWO. I've been throwing money at it to keep my EM % of International in line. The last couple of weeks every time it's down 1-2% I throw a few hundred bucks at it, and it keeps on sliding down 1-2% regularly. Bummer. There I was, in the 1980s buyi...

heyyou

Be wary of some who tout institutional fund fees of a few hundredths of a percent. My 401k provider did have those low fund fees on their in-house index funds, and bragged about them, while charging a .7% admin fee that was buried in a footnote, when it was seldom published. This was in a Fortune 50...

heyyou

Whichever one you choose, the other will immediately do better, but that doesn't really matter. Either will serve as EM exposure over the next several decades, and that is all you need from the chosen fund. The dilemma is a good sign, of both being sufficient.

heyyou

by letsgobobby » I had no idea and don't care. by jhfenton » Meh. It's what EM does. I've been investing in EM since 1998, when we opened our Roth IRAs. You have to accept the volatility and rebalance into and out of it. Thank you. From reading this thread, I was getting the idea that I was suppose...

heyyou

Look at a chart named Callan Periodic Table. It uses colored squares to show 20 years of the relative performances of various sub-asset classes. The second link is the modified chart that shows the same squares positioned on both sides of zero which is an even better portrayal of the info. The messa...

heyyou

OP, what do the neighbors drive if their situation is like yours? When driving with the load of feed, are you on quiet county roads, or state highways where you need to go the speed limit? Is the weather such that an open trailer is not acceptable? Is the feed in bales or sacks? There are trailers m...

heyyou

<Growth Chart of S&P 500 Value vs S&P 500>
The difference looks impressive, but starting with $10K, for 24.5 years, the winner is $12.81 per week better than the other one, and that is without any compounding. Might be a good idea to choose either one, and just save as much as possible.

heyyou

Patience is fullness. Consider not logging in to the the angst, instead take a walk where there are trees with birds discussing what they had for lunch, but don't eat what they did. Pretend you are one of the geezers here who has seen so much that you are inured to market fluctuations, knowing that ...

heyyou

There will always be risks, some are known and some will be surprises. Passive investing has enough risks that it is only better than everything else that has been tried so far.

heyyou

With my confirmation bias, I'm glad to see the history.

heyyou

In retirement, we bounced near for so long, that going passed in our investment account seemed both temporary and inconsequential.

heyyou

Just my opinion: The risk of starting retirement on a future known bad year, is fully obvious prior, or by the end of the first decade of a 30 year period. The problem is less about returns, and more about people wanting financial certainty for the next 30 years, of which there just isn't any unless...

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The real estate held by publicly traded companies is part of their assets.

heyyou

Someday Shiller or others, will have a ratio of income levels to cost of housing per sq. foot, so each area will have a relative COL ratio.

heyyou

OP, do what suits you. That is best, for you. If you change your mind later, slowly add some international. About indirect international exposure from domestic companies with foreign revenues: During market crashes, those US businesses' stocks are priced in our markets, and they crash just like the ...

heyyou

Very near Page, is Antelope Canyon where those slot canyon pictures are taken (search that name for photos). Your photos will not have the perfect light that the pro photographers patiently waited for. The two trips are booked at offices in the commercial part of the town, but the location is just b...

heyyou

Trev H found that 4 VG funds would do as well at Merriman's suggestion of 10 funds, with either portfolio doing better than just the cap-weighted broad market funds.

heyyou

Look into buying a national park pass, but the entrance fee is good for a week if you don't go to any other parks. As a retiree, I'm not familiar with the annual ones now. If the Park lodging doesn't have what you want, there is also significant lodging immediately outside of GC, in Tusayan. You cou...

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In retirement, volunteering was an good filter to meet like minded people who are less self-centered than average. I would avoid some supposedly service organizations that are more for business people to meet other potential customers.

heyyou

$1374 difference over fifteen years. 52 weeks times 15 years = 780 $1374/780 = $1.75 per week difference without the compounding Someone want to show what the weekly difference is with compounding? Just my opinion, but emphasis on the range of good enough could be better advice than the constant see...

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(1) Helping Dear Wife with whatever she tells me to do, but that is okay since she is a better tightwad than I am. Everything else: Leisure Napping in a recliner Reading a book cover to cover in one day. Didn't know that was possible, prior to retirement. Exercise Helping others, just because I can,...

heyyou

it will select for the worst kind of potential life partner to attempt to start a relationship with you!

+1

heyyou

Which boglehead rule do you break--and are ok with

Don't know and don't care. I just do what suits me.
Others are welcome to do whatever suits them.

from the internet
Dogma: a principle or set of principles laid down by an authority as incontrovertibly true.

heyyou

You can see the size and value components of any combination of funds in a Morningstar Xray 3x3 grid. Put the whole portfolio into the Xray analyzer, note the numbers, then subtract the two DFA funds. Also run the Xray of the combo of the two DFA funds. Add back various quantities of funds that are ...

heyyou

At age 68, two more Roth conversions look like very good long term investments. Rebalancing soon in the taxable account is both risk and return reduction (fewer shares owned) and with tax costs. Won't the stock market rebalance the equity to bond ratio sometime? With Social Security and RMDs startin...

heyyou

Edited to add: It is RMD % plus annual dividends and interest, but not cap gains. Per the OP's request, below is the link to the brief that suggests using the RMD % as the retirement withdrawal rate on the entire portfolio. Be aware that the table showing the percentages is on page 7, in the Appendi...

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There may be a plan for the future, but that is beyond my control. This is what we are doing: Already living in a Low Cost area Future variable withdrawals based on each recent annual portfolio value Spend only from bonds until they run out, or until equities grow to rebalancing point, per Michael H...

heyyou

Is anyone without commodities exposure, doing without in retirement, due only to that lack of exposure? My point is about accepting good enough, instead of greedily striving for that elusive optimal. My portfolio is just a few percent smaller due to choosing the wrong decade to put 10% into a well k...

heyyou

I bought my freedom from having to participate in paid work. I now do whatever pleases me. Others are welcome to do what suits them.

heyyou

With respect to those on both sides, either allocation will be just fine if the worker is good at saving. Living within your means carries into and through retirement, so you won't know what you missed if one allocation outperforms the other one for some limited period. Both of them will take turns ...

heyyou

You have the right strategy. Consider just feeling grateful for whatever you do get converted into the Roth IRA (RIRA), instead of hoping for 100% conversion then feeling like you failed at age 70 if you are not finished. RMDs do start out low, and you can just save any income that you don't need to...

heyyou

I just wanted to save enough to retire early, and did, so maximum SS was too far away to matter.
Now I could buy a bright red convertible car to look like a silly geezer. Maybe the car is not necessary?

heyyou

Been there but did lose all my principal, so I changed to the indexing principle. That worked well enough to retire at 55. Consider where we would be without Jack Bogle, we would all be still working.

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