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HappyJack

Reminds me of this quote (from livesoft) I saw on the forum regarding fund managers (which may or may not apply) “We turn your money and our experience into our money and your experience”

HappyJack

sorry VFIUX.

HappyJack

Rebalancing calls for a 2% move from Cash ally 1.8% to my VF our UX intermediate treasuries fund in tax deferred. It’s not a big move. Does anyone see any problem with this rebalancing. I would be able to pull the funds out of my tax deferred if necessary. Thanks.

HappyJack

Thank you.

HappyJack

66. Retirement could come this year. Trying to get used to reducing my cash positions bc I can draw from my tax deferred. Currently in balance 50/50. Need to rebalance within FI to add to VFIUX and reduce cash (Ally) somewhat (2%). If I might need to draw from my FI within 12 months should I go CD o...

HappyJack

OP here
My plan has been to rebalance often in retirement using tolerance bands in each asset class (fund or etf). I read a Vanguard paper by Daryanani that seemed to make sense. Is this a good approach in retirement/de-accumulation if coupled with VPW withdrawal system. Thoughts?

HappyJack

OP here
My plan has been to rebalance often in retirement using tolerance bands in each asset class (fund or etf). I read a Vanguard paper by Daryanani that seemed to make sense. Is this a good approach in retirement/de-accumulation if coupled with VPW withdrawal system. Thoughts?

HappyJack

My original de-accumulation plan was to continually re-balance to keep my asset allocation within tolerance bands. I recently read Mr. Mcclung’s book. His idea is to sell only from bonds until the stock allocation is up 20% from the initial starting point. I would really like to know some peoples th...

HappyJack

Thanks dbr. I greatly value your thoughts and read your posts daily. Yes. All bonds are in 401k space. I wanted to keep it simple. If there is a pitfall here please let me know. And thanks again.

HappyJack

Thought that treasuries were pretty safe so that is why I have them. Didn't want to complicate with bond or CD ladders or treasury direct purchases unless there was a compelling argument. Thank you for your response.

HappyJack

Retiring in December. Approx 2M. 50-50 allocation of stocks and bonds. Bonds are split 50-50 between intermediate term treasury ETF and BAGIX total bond fund. I have read a lot about I bonds and cd ladders on the forum. Is my current allocation OK at this point?

HappyJack

Oops. Decimal point DO make a difference.

Many thanks

HappyJack

I currently own IJR and the VXF in the amount of 112,000 and expense ratios of .07 each. If I sold them and put everything in VTI at .03, would I pick up 4,480 in savings each year off of expenses? .07-.03= .04 x112,000 = 4480 ? I recognize VTI is a totally different fund, and I have holdings in the...

HappyJack

Thank you both.

HappyJack

I need to rebalance into my tolerance bands. Have run out of room in tax advantaged. Should I add to VXF (mid cap/small cap) or buy VFIUX (VG inter med treasuries) in taxable? Tax bracket 24 fed, 6 state. Thanks.

HappyJack

I need to rebalance into my tolerance bands. Have run out of room in tax advantaged. Should I add to VXF (mid cap/small cap) or buy VFIUX (VG inter med treasuries) in taxable? Tax bracket 24 fed, 6 state. Thanks.

HappyJack

Thx frcabot

HappyJack

Thank you all

HappyJack

Years ago I Purchased a whole life policy and dutifully paid the premiums thinking that it covered only the policy amount. Turns out it was also building cash value ( and no doubt a healthy comission for my salesperson). The good news is I have a substantial balance now that the company says is earn...

HappyJack

Thank you all. Much new information.

HappyJack

Op here. I’m 66 wife is 65 and is taking benefits now. The uncertainty I was citing regards the potential solvency issue of SS.

HappyJack

With all the uncertainty regarding the solvency and the politics surrounding Social Security I am wondering if I would be better to grab mine at 66 rather than the traditional advice to wait until 70. Thoughts? Concerns? Thanks

HappyJack

Yes. Thanks for your guidance.

HappyJack

Should I categorize my REIT (schwab ETF SCHH) as an equity holding or something else- other?

HappyJack

Thank you. Great stuff.

HappyJack

Livesoft. I might even consider prime numbers!

HappyJack

Thanks. Only considered a close match to stay asset allocated close to the VOO. Vanguard would be the family so the options you gave would work. Livesoft, I have read your posts extensively and I value your thoughts and experience. If you don’t mind my asking - One question I did have was approximat...

HappyJack

If I sell the VOO in taxable for a loss and buy VIIIX in tax deferred would that trigger a wash sale? If so, which fund would be closest match to buy to balance out? Thanks.

HappyJack

Thank you. Yeah. I thought so but hoped not.

HappyJack

Does anyone know if VOO etf (VG 500 etf) and VIIIX (Vanguard institutional 500 mutual fund) in a sell/buy transaction trigger a wash.

HappyJack

Yes. Sorry. When I plug in my asset allocation, time horizon etc. what is a generally used bootstrap scenario for (worst 1 year first, worst 5 years first, etc). I recognize that there is not a standard answer for this but I wanted to know some opinions on what people would be plugging in for this t...

HappyJack

Thanks for all these responses. One question I would have is what would be an appropriate bootstrap model for the simulation. Would it be worst first year, or worst five year, or what? For my Situation it makes a tremendous difference. What is a reasonable expectation or is there such a thing?

HappyJack

Thank you everyone. This sheds some light on it for me. With all the published data out there I wanted how to get an accurate picture of what my portfolio return was. Annualized and cumulative info is readily available and I wanted to determine the performance.

HappyJack

Need help. If I want to get a measure of how my portfolio is doing, should I measure it with annualized returns or cumulative returns. Thanks.

HappyJack

Thanks to everyone for taking the time and effort to post these comprehensive replies. Any further thoughts - please keep them coming.

HappyJack

I recognize that a Monte Carlo simulation looks backward, and that can be no guarantee of future results. However, if I have entered in all the correct information regarding my assets and my intended withdrawals, is this a reasonably accurate tool to use for planning. Any other vehicles that people ...

HappyJack

Thank you. That process would accomplish the withdrawal objective (per Mr McClung) and help me avoid higher taxes. Further - if the equities portion does accellerate above 1.2 x over the original allocation it would just be a straight sale on that side. Thanks again BHers.

HappyJack

Age:66 Allocation: 50/50 All bonds in traditional IRA I read Michael McClung‘s book, and I think I have this correct. He advocates withdrawing only from bond funds until the initial stock allocation rises above 1.2 times the initial mark. All my bonds are in tax-deferred. I guess this means I take t...

HappyJack

Has the tax reporting documentation for REITS come out yet for 2018? Particularly Starwood and Realty Inc? If I missed it, how would I locate it?

HappyJack

Thanks. I honestly don’t have other options without putting fixed income over on my taxable side so I am kinda stuck. Your thoughts on BAGIX are reassuring.

HappyJack

Original plan for my fixed income side was 50/50 TBM and Inter Treasury fund. However, I learned that the Choices on the bond of my 401k are only BAGIX and a Stable value fund. I can balance some outside of the plan in taxable. Any thoughts on BAGIX in general and on funds to compliment this choice ...

HappyJack

Does anyone have information on how intermediate term treasury and TBM funds did during some of the more dramatic market downturns in the past. Thanks.

HappyJack

50/50 AA, retire in 1-2 years. I have read many threads on bond portfolio allocation., And they all have valid points. Considering TBM, TIPS, Int Treasuries, ST Treasuries. Would appreciate any thoughts on the preferred mix. Considering 100% TBM but didnt know if I need Other diversifcation into mor...

HappyJack

Thank you AlohaJoe. I have seen your post on similar subjects. Will do.

HappyJack

International REITS

HappyJack

John Z Thank you very much for such a comprehensive reply. You are very good to take that amount of time. I really couldn’t find any responses about his theories, other than just comments about the book. I’m just not sure at this point whether I would want to add the emerging markets and internation...

HappyJack

I am currently 66 and retirement 1-4 years off. Current AA is 50/50 22% LC VOO, VIIIX 11% SC/MC VXF, IJR 11% International. VXUS 6% REIT. VNQ Bonds. TIPs, ST Treasuries, VBTLX I read Michael McClung’s book and though it was a little advanced for me I found his withdrawl procedures compelling. Transi...

HappyJack

Thanks. Those threads are great.

HappyJack

What is the BH philosophy with regard to factoring your mortgage into your asset allocation. If I pay off my mortgage, would that count as a long-term bond in my allocation? Also, If I just continue to hold my mortgage, does the difference between the mortgage and the home value factorvin as a bond ...

HappyJack

Thanks.

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