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HappyJack

Good advice.

HappyJack

I’m not sure if you are looking to construct a liability matching portfolio or just get some TIPS in your portfolio. I used LTPZ and FIPDX to create my liability matching portfolio. I wanted the flexibility of using funds instead of individual TIPS. Some notable forum gurus on this are bobk, vineviz...

HappyJack

What I have learned on this forum. 1. Difficult / impossible to time the bond market. 2. Determine your liabilities to be met and the time that they will come due. 3. Match your bond portfolio duration to meet these liabilities as they come due. 4. Pick your products to meet #3 5. Stay the course.

HappyJack

Grok
Dad lived to 93. Felt like in current market I would go to age 91 and let the Risk portfolio run a bit. I can easily add to the LMP as we go. I am currently 67. Retiring later this year. Take SS at 70.

HappyJack

Yes. Almost all in tax deferred. Left some LTPZ in taxable.

HappyJack

This should control interest rate risk, default risk, and inflation risk. Expensive though. And of course, past performance....

HappyJack

With the help of Bobk, Vineviz, grok, bigskyguy, and others I have established an LMP with LTPZ (long term TIPS), FIPDX (intermediate term TIPS) and a stable value fund that is duration matched to meet my expenses out to age 91. About 50% of total portfolio. The rest is in stock index funds. Its mor...

HappyJack

Thanks

HappyJack

HappyJack

Any ideas on the best way to buy an I phone?
Thanks

HappyJack

Thanks. Thats what I was thinking also. Just not sure of any pitfalls.

HappyJack

Has anyone set up a Bank of America / Merrill Edge brokerage account when there is not a Bank of America nearby. I’m trying to help a family member set up a Bank of America account and utilize the credit card rewards options as well as the brokerage account. They have come into a sum of money that w...

HappyJack

When the market dropped in March I tax loss harvested from VOO to VTI and the VXUS to VEA. Both have appreciated nicely. I have about 40K in losses. I am happy to let everything ride at this point. Am I losing out on any opportunities by not selling some shares to tske advantage of the losses. Thanks.

HappyJack

Thanks grok and bigsky. Then inside of the 5.6 years use stable value fund? Or just not to worry.

HappyJack

As I have posted before, I have structured my liability matching portfolio with two funds that are available to me in my 401(k) FIPDX (duration 5.63) LTPZ (duration 21.56) I am using a stable value fund for the year prior to redemption and then moving the next years balance down to that SV fund. My ...

HappyJack

I am continuing to construct my LMP, using two tips funds, FIPDX & LTPZ. I am thinking of pulling some funds from this very successful equity run and building a couple of more rungs onto my LMP with these funds. I would like to know some of your thoughts on this process.

HappyJack

Saw this once on the forum.
“Some advisers turn your money and their experience into their money and your experience.”

HappyJack

+1
This works to de-chlorinate.

HappyJack

Can anyone comment on MaxFi financial planning software? Thanks.

HappyJack

If your batting average was .300 during your entire career in major-league baseball you would probably never win the batting title in any year. But you would have an excellent chance of ending up in the baseball Hall of Fame.

HappyJack

Death in Paradise is great also.

HappyJack

Take some time.
Read up on Dr Bill Bernstein and Dr Robert Merton for info on Liability Matching, and Liability Duration Matching Portfolio theory.

HappyJack

Livesoft. Yes. All those ETFs were sold at losses and the combined losses would exceed the expected capital gains from this proposed sale (for a net loss). Is there a holding period that I need to observe or can this sale take place right away and as long as the net loss exceeds the net gains I will...

HappyJack

In May I sold five funds IJR, FAARX, VOO, VXF, VXUS for a combined loss. I consolidated into two funds VEU, VTI. These are up considerably today. If I sell a portion of these new funds are the profits negated For tax purposes as long as The profit from the sale is less than the total of the losses f...

HappyJack

Is it possible to refinance without having an in-home appraisal

HappyJack

Is it possible to refinance without having an in-home appraisal

HappyJack

HappyJack

Warren Buffett has famously said, “I would rather be approximately right than precisely wrong.”

Maybe ease into a stronger position over time.

Disclosure: my LMP is comprised of LTPZ, FIPDX and some VFIUX.

HappyJack

Brilliant!

HappyJack

Thanks grok
Yes, I have been following that one. I still have a ways to go until I can get my nose above water with my REIT. Hoping for some more good days.

HappyJack

Anyone know why REITS has a nice boost today?

HappyJack

Crefwatch Yes. I have an SSA.gov account and have followed it there online. It says that the work is in progress. Has been for 14 weeks. I got written correspondence with the claims specialist and her Phone number and extension at Social Security administration. It is an official document. We review...

HappyJack

Possibly. However, I called my local office and spoke to a representative there. She contacted my representative at the national workload office and said that they would contact me back. Still nothing. When I go online and check the status of the project it says it is processing. Pretty frustrating....

HappyJack

Applied for spousal benefits on April 7 online.
Followed up with a case worker they said everything was in order and online it says it is “processing”.
I was supposed to receive my check on May 20.
I have called my specific case worker each day with no call back.

Does anyone have any suggestions?

HappyJack

What about a fund like LTPZ long term tips. It has a steep .20 expense ratio but the duration will stay around 21.46

HappyJack

Thanks bigskyguy. I look for the liability duration matching income plan to provide a solid base to cover our needs. Thanks for a great post.

HappyJack

So Vineviz. Yes its B. And thanks for all your help in the past

HappyJack

My plan is to rebalance down from the long-term to intermediate term funds periodically during the year. Also from the intermediate fund to a stable value fund. The funds will be rebalancing themselves. This should keep my duration matching on target, I hope. I am not wild about the .20 expense fee ...

HappyJack

Thanks Angst. I will be drawing down out of the ETFs To fund my income so that could be an issue. I will have some funds on the Risk Portfolio side so I hope that can see me through a rough patch.

HappyJack

Thank you.

HappyJack

I have established a liability duration matching portfolio (LDI) and allocated TIPS funds (LTPZ and FIPDX) in duration matched amounts to give me the income stream to fund retirement (26 years) (Many thanks to bobk, vineviz, Nisiprius, CUlater, FIREchief, bigskyguy, and others who have educated me a...

HappyJack

Thanks. Yes. I want a dependable income amount each year produced by this “floor”. I’m not worried about growth or volatility - only safety. The duration matching I hope should take care of that. My risk portfolio is currently all VTI and VEU but I think I will add a bond component soon. I needed to...

HappyJack

Bigskyguy
Yes. Thanks.
I have followed your posts on the threads aforementioned. Great. That is re assuring news and what I thought was the case.

HappyJack

I have established a liability duration matching portfolio (LDI) and allocated TIPS funds (LTPZ and FIPDX) in duration matched amounts to give me the income stream I need to age 92. Many thanks to bobk, vineviz, Nisiprius, CUlater and others who have educated me along the way along with the work of ...

HappyJack

Thank you all.

HappyJack

Main concerns:
1) health of high tension power lines
2) resale bc others are concerned with 1)

HappyJack

Looking at a house to buy. High tension power lines ( with the big towers) crosses just behind backyard. I have concerns. Any advice?

HappyJack

Does anyone know if paying your federal and state income taxes with a BOA card would count under the online shopping/purchases category? Thanks.

HappyJack

Can anyone recommend a good book on time value of money (TVM). for a beginner. Thank you.

HappyJack

On investing

“If you had a 20 year career in major league baseball and you hit .300 each year you would probably never win the batting title. But you would certainly end up in the Hall of Fame.”

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