Search found 158 matches

by retiredflyboy
Sun Sep 15, 2019 12:08 pm
Forum: Personal Investments
Topic: Where to deploy a lump sum
Replies: 7
Views: 629

Re: Where to deploy a lump sum

What is the goal for this money? Will it be needed in the next 3 to 5 years etc. If you need money in the next 3 to 5 years, stay with high yield online savings, money market with vanguard/fidelity, short term bond fund or a CD to match your time horizon. If you don’t need the money for many years, ...
by retiredflyboy
Thu Sep 12, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Am I just playing mind games with myself?
Replies: 23
Views: 3102

Re: Am I just playing mind games with myself?

I would keep the cash in cash and separate. I think your AA from your investments are 60-40 with the cash dedicated to a 2-3 year spend down.
by retiredflyboy
Thu Sep 12, 2019 12:56 pm
Forum: Personal Investments
Topic: Rebalancing by buying more under-performing stock.
Replies: 8
Views: 569

Re: Rebalancing by buying more under-performing stock.

If you need to adjust AA ( no need to be real precise) doing so with purchase is my preference.
by retiredflyboy
Thu Sep 12, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Avoiding fluctuations in BND (total bond) when withdrawing
Replies: 21
Views: 1516

Re: Avoiding fluctuations in BND (total bond) when withdrawing

Personal choice for sure, but I like what you are doing and would resist tampering with it. Keep it simple and stay the course.
by retiredflyboy
Tue Sep 10, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning - Pension
Replies: 24
Views: 2698

Re: Retirement Planning - Pension

time and compound interest are a powerful force. The earlier you put dollars to work the better by far. Pay yourselves first as much as you possibly can handle while still enjoying life of course. You just don’t know yet how long your wife will work at her current position and therefore how to accou...
by retiredflyboy
Tue Sep 10, 2019 9:09 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 4743

Re: Hold Physical Cash if Rates Go Negative?

Not long ago I felt I was out of step for continuing to hold my AA of bonds in a vanguard GNMA fund with intermediate duration because rates had to normalize — rise and short duration was important. Now I feel out of step because rates are going to negative and long bonds are the place to be. No bod...
by retiredflyboy
Tue Sep 10, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella coverage a no brainer?
Replies: 13
Views: 1607

Re: Umbrella coverage a no brainer?

I carry 3 million and find it comforting and very affordable. I think not having adequate liability insurance is a risk that could undue an otherwise solid retirement plan.
by retiredflyboy
Mon Sep 09, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3422

Re: Lending to friend to India

Don’t do it!
by retiredflyboy
Mon Sep 09, 2019 4:40 pm
Forum: Personal Investments
Topic: Retired Couple Age 60, Looking for Input and Suggestions on Current Portfolio Please
Replies: 12
Views: 2387

Re: Retired Couple Age 60, Looking for Input and Suggestions on Current Portfolio Please

To increase equity exposure with Vanguard, the Total Stock Market Index Fund gives you instant diversification with extremely low fees in a very tax efficient manner.
by retiredflyboy
Mon Sep 09, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Retirement Timing Help - Social Security]
Replies: 5
Views: 418

Re: [Retirement Timing Help - Social Security]

No, that would be a restricted filing and that is no longer legal at your wife’s age. She would be considered “deemed” when she filed and would receive the highest benefit at that time.
by retiredflyboy
Mon Sep 09, 2019 4:32 pm
Forum: Investing - Theory, News & General
Topic: 5% Withdrawal Rate Recommended by US News Columnist
Replies: 129
Views: 10049

Re: 5% Withdrawal Rate Recommended by US News Columnist

Why not just purchase a single premium immediate annuity and call it a day. I think, depending on age of course, you can get about a 5% return.
by retiredflyboy
Mon Sep 09, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: How can I acheive 2% using fixed income instrutments
Replies: 22
Views: 2047

Re: How can I acheive 2% using fixed income instrutments

To achieve 2% return for the rest of your life you are left with fixed income immediate annuity or perhaps purchase 30 year treasury bonds. Every thing else would not be a guarantee for the rest of your life. CD for 5 years is just for 5 years. Can you pay off a mortgage or something that would elim...
by retiredflyboy
Sun Sep 08, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Rethinking the role of bonds in AA
Replies: 28
Views: 3332

Re: Rethinking the role of bonds in AA

After reading this thread I am tempted to call a top in the bond market! LOL 😂
by retiredflyboy
Sun Sep 08, 2019 9:05 pm
Forum: Personal Investments
Topic: When should I rebalance?
Replies: 21
Views: 2301

Re: When should I rebalance?

Rebalance over time with new money especially if selling would trigger taxes.
by retiredflyboy
Tue Aug 27, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Do bond yields fluctuate after purchase?
Replies: 18
Views: 803

Re: Do bond yields fluctuate after purchase?

The price of the bond fluctuates, but the dollar amount of the interest payment does not change.
by retiredflyboy
Tue Aug 27, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: A withdrawal strategy without sequence of return risk (kind of)
Replies: 41
Views: 2389

Re: A withdrawal strategy without sequence of return risk (kind of)

Max SS and use RMD from investments. Put huge focus on health ( no guarantees like anything else) and work until ( again this is the plan like all plans no guarantees) 65 with enough taxable investments to bridge to 70 1/2.
by retiredflyboy
Tue Aug 27, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 167
Views: 9182

Re: How Have You Planned for Sequence of Return Risk (SOR)?

Pension with COLA and a 30% stock 70% bond AA. Age 62 with plenty in bonds and cash to get me to FRA 66. 6 months.
by retiredflyboy
Sat Aug 24, 2019 9:37 pm
Forum: Personal Investments
Topic: Asset Allocation Going Into Retirement
Replies: 13
Views: 1641

Re: Asset Allocation Going Into Retirement

I think you have one the game so don’t risk snatching defeat from the jaws of victory. 30% stock and 70% bond. Enjoy life keep it simple and write a basic plan and stick with it. Don’t look at your investments often and don’t watch financial network. Keep it simple and stay the course! Best of luck!
by retiredflyboy
Sat Aug 24, 2019 9:30 pm
Forum: Personal Investments
Topic: Schwab user. Where should I put my Emergency Fund?
Replies: 35
Views: 4401

Re: Schwab user. Where should I put my Emergency Fund?

I use Ally bank savings account linked to my checking account.
by retiredflyboy
Sat Aug 24, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Is the S&P 500 good enough?
Replies: 48
Views: 5832

Re: Is the S&P 500 good enough?

S&p 500 is good enough.
by retiredflyboy
Sat Aug 17, 2019 9:39 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7448

Re: Don’t put new money in market right now??

A lot of money has been lost preparing for the next correction, business cycle, next....... whatever. Decide the purpose and goal for the money and invest it.
by retiredflyboy
Sat Aug 17, 2019 9:15 pm
Forum: Personal Investments
Topic: Received a 1 million windfall and what to do with it
Replies: 16
Views: 3513

Re: Received a 1 million windfall and what to do with it

Make sure you have adequate home owners and auto insurance. Perhaps an umbrella. Sounds like you likely have good health insurance. Do you have disability insurance. Make sure you do annual physical. Good plan....enjoy life!
by retiredflyboy
Tue Aug 13, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25284

Re: Larry Swedroe: Small Value Stocks are Cheap

I find it best to just own the market. TSM is inexpensive, diversified, and tax efficient.
by retiredflyboy
Mon Aug 12, 2019 10:11 pm
Forum: Personal Investments
Topic: Withdrawals During Retirement - Yearly, Quarterly, Monthly?
Replies: 51
Views: 7196

Re: Withdrawals During Retirement - Yearly, Quarterly, Monthly?

I take interest monthly from bond fund and dividends quarterly from stock fund and capital gains yearly. Each of these are deposited into checking account.
by retiredflyboy
Mon Aug 12, 2019 8:29 pm
Forum: Personal Investments
Topic: Income stream for 10 years
Replies: 39
Views: 4656

Re: Income stream for 10 years

Thanks for all your responses. Yes, I would like a return that is greater than just inflation, so willing to take some risk that is nominal. Putting it into a money market account or something similiar is not enough of a return. Maybe I put 50% in TIPS with 5 years, and then remaining 50% in AOK, a...
by retiredflyboy
Mon Aug 12, 2019 8:17 pm
Forum: Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 25
Views: 7468

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

Dottie57 wrote:
Mon Aug 12, 2019 11:27 am
retiredflyboy wrote:
Mon Aug 12, 2019 11:22 am
I have owned DYX for many years and given your goal would recommend it.
Can you give a number to the years? Over 10?
About 8 years.
by retiredflyboy
Mon Aug 12, 2019 8:07 pm
Forum: Personal Investments
Topic: What sort of fund for saving for sabbatical?
Replies: 11
Views: 1037

Re: What sort of fund for saving for sabbatical?

Since the fund is for dollars earmarked for the relatively near future I think you stick with high yield savings.
by retiredflyboy
Mon Aug 12, 2019 11:29 am
Forum: Personal Investments
Topic: Income stream for 10 years
Replies: 39
Views: 4656

Re: Income stream for 10 years

Vanguard prime money market and direct $2,000 per month to her checking account.
by retiredflyboy
Mon Aug 12, 2019 11:22 am
Forum: Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 25
Views: 7468

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

I have owned DYX for many years and given your goal would recommend it.
by retiredflyboy
Sat Aug 10, 2019 8:51 pm
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6251

Re: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?

Yes, if you changed your AA because of economic indicators. At 31, I assume you have 30 years to retirement plus or minus, so unless you find you are stressed or can’t enjoy life, can’t sleep etc. why not be 100% in stocks. Block out the current noise and follow your well thought out long term plan....
by retiredflyboy
Tue Aug 06, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4577

Re: high-yield savings: stay or switch?

Stay put, not worth chasing the yield.
by retiredflyboy
Tue Aug 06, 2019 5:28 pm
Forum: Personal Investments
Topic: Dividend Tax Withholding at Vanguard?
Replies: 18
Views: 3129

Re: Dividend Tax Withholding at Vanguard?

Yes, but was not easy and I decided to just do estimated taxes on a quarterly bases. I had some rental property income as well.
by retiredflyboy
Tue Aug 06, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan Advice
Replies: 15
Views: 980

Re: Medigap Plan Advice

There is something to keep in mind. Retiree health insurance is not considered "employer" coverage. If the employer terminates their retiree plan (which they can legally do) or you voluntarily drop it. The 10% per 12 month Medicare Part B late enrollment penalty applies. Retiree insurance is a form...
by retiredflyboy
Mon Aug 05, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: 10 Year Treasury Under 2%
Replies: 45
Views: 5700

Re: 10 Year Treasury Under 2%

Very low rates abroad and a strong dollar along with low inflation/expectations.
by retiredflyboy
Mon Aug 05, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan Advice
Replies: 15
Views: 980

Re: Medigap Plan Advice

I forgot to mention in my earlier post that you might take a look at plan N as well as plan G. Stay clear of plan F even though if you are eligible to sign up by end of year, you would be grandfathered into plan F. For almost every one, Medigap comes gown to plan G, N, high deductible F, and startin...
by retiredflyboy
Mon Aug 05, 2019 9:54 pm
Forum: Personal Investments
Topic: Help with lumpsum!
Replies: 5
Views: 800

Re: Help with lumpsum!

Momus wrote:
Mon Aug 05, 2019 9:45 pm
Half now, half DCA if you are a chicken.

All in if you are rational (theoretically a better strategy)
Chickens sleep very well at night. 😀
by retiredflyboy
Mon Aug 05, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan Advice
Replies: 15
Views: 980

Re: Medigap Plan Advice

I wanted to also add that you might want to take a look at the high deductible plan G that will be unveiled later this year. Not sure of your time requirements but might be able to sign up for plan G and then in your 6 month open enrollment switch to High deductible plan G if it makes sense. Plan G ...
by retiredflyboy
Mon Aug 05, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan Advice
Replies: 15
Views: 980

Re: Medigap Plan Advice

Other then the part B deductible, plan G is the same as plan F for less premium. Since plan F is going away I would stay clear of F and go to G. I suspect that plan F rates will likely increase faster then plan G because the plan F pool will continue to age with no new 65 year olds coming in.
by retiredflyboy
Mon Aug 05, 2019 8:26 pm
Forum: Personal Investments
Topic: Help with lumpsum!
Replies: 5
Views: 800

Re: Help with lumpsum!

Put the money in the Vanguard Money Market account and give it 6 months to figure out what the goal for the money is and then invest with Vanguard (Fidelity is also good) in 2 or 3 index funds with very low cost and broadly diversified at an asset allocation that you are comfortable with through thi...
by retiredflyboy
Sun Aug 04, 2019 9:16 pm
Forum: Personal Investments
Topic: buying pension credits decision
Replies: 19
Views: 1107

Re: buying pension credits decision

I don’t think you will regret purchasing the credits. Life time income is a wonderful thing!
by retiredflyboy
Sun Aug 04, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Medicare Enrollment Online question
Replies: 4
Views: 495

Re: Medicare Enrollment Online question

Below is a copy paste from SS website. When you apply for Medicare, you can sign up for Part A (Hospital Insurance) and Part B (Medical Insurance). Because you must pay a premium for Part B coverage, you can turn it down. However, if you decide to enroll in Part B later on, you may have to pay a lat...
by retiredflyboy
Sun Aug 04, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Medicare Enrollment Online question
Replies: 4
Views: 495

Re: Medicare Enrollment Online question

I believe unless you are already collecting social security, you would need to sign up for both A and B. If already collecting SS then I believe you are auto enrolled in both. I don’t believe that signing up for part B automatically enrolls you in part A. I suspect some wiser then I will be more def...
by retiredflyboy
Sun Aug 04, 2019 7:31 pm
Forum: Personal Investments
Topic: Emergency Fund Optimization
Replies: 8
Views: 993

Re: Emergency Fund Optimization

My emergency fund is in Ally Bank Savings and Vanguard Prime Money Market. Ally savings is linked to a small balance I hold in Ally checking which has $1,000 ATM limit. My local bank account is linked to the Prime mm which also has check writing. I personally keep my emergency money in cash
by retiredflyboy
Thu Jul 25, 2019 11:30 pm
Forum: Personal Investments
Topic: What to do in a crash
Replies: 65
Views: 6912

Re: What to do in a crash

Turn off the news and enjoy friends and family .
by retiredflyboy
Tue Jul 23, 2019 11:38 pm
Forum: Personal Investments
Topic: Good CD Rates Over the Long Haul
Replies: 13
Views: 1701

Re: Good CD Rates Over the Long Haul

Goldman Sachs and Synchrony Bank are good choices.
by retiredflyboy
Sat Jul 20, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?
Replies: 189
Views: 18584

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

50-50 stock bond AA has always seemed like a good starting point in or near retirement. Then one can move up or down depending on personal circumstances from 30-70 to 70-30. So those that like 40-60 or 60-40 fall nicely within the range.
by retiredflyboy
Sun Jul 14, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Water Heater Anode Replacement
Replies: 32
Views: 2869

Re: Water Heater Anode Replacement

Replace at your convenience or once it fails.