Search found 253 matches
- Tue Feb 23, 2021 12:52 pm
- Forum: Personal Investments
- Topic: Vanguard Extended Market vs Mid and Small Cap index funds
- Replies: 11
- Views: 920
- Mon Feb 22, 2021 2:20 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS v. inflation protected mutual fund/ETF
- Replies: 23
- Views: 1999
Re: TIPS v. inflation protected mutual fund/ETF
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...
- Wed Feb 17, 2021 7:20 am
- Forum: Investing - Theory, News & General
- Topic: Bonds in free fall
- Replies: 583
- Views: 43656
Re: Bonds in free fall
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.
- Sat Feb 13, 2021 10:53 am
- Forum: Investing - Theory, News & General
- Topic: Should everyone have TIPS?
- Replies: 134
- Views: 11632
Re: Should everyone have TIPS?
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.
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.
- Sat Feb 13, 2021 10:43 am
- Forum: Investing - Theory, News & General
- Topic: Should everyone have TIPS?
- Replies: 134
- Views: 11632
Re: Should everyone have TIPS?
Yes. Almost all in tax deferred. Left some LTPZ in taxable.
- Sat Feb 13, 2021 10:41 am
- Forum: Investing - Theory, News & General
- Topic: Should everyone have TIPS?
- Replies: 134
- Views: 11632
Re: Should everyone have TIPS?
This should control interest rate risk, default risk, and inflation risk. Expensive though. And of course, past performance....
- Sat Feb 13, 2021 10:34 am
- Forum: Investing - Theory, News & General
- Topic: Should everyone have TIPS?
- Replies: 134
- Views: 11632
Re: Should everyone have TIPS?
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...
- Thu Jan 21, 2021 1:35 pm
- Forum: Personal Investments
- Topic: BOA/Merrill Edge brokerage
- Replies: 15
- Views: 1256
- Thu Jan 21, 2021 11:35 am
- Forum: Personal Investments
- Topic: BOA/Merrill Edge brokerage
- Replies: 15
- Views: 1256
- Thu Jan 21, 2021 9:40 am
- Forum: Personal Consumer Issues
- Topic: Purchase Iphone 12- use my carrier? Amazon? Apple?
- Replies: 9
- Views: 822
Purchase Iphone 12- use my carrier? Amazon? Apple?
Any ideas on the best way to buy an I phone?
Thanks
Thanks
- Thu Jan 21, 2021 9:37 am
- Forum: Personal Investments
- Topic: BOA/Merrill Edge brokerage
- Replies: 15
- Views: 1256
Re: BOA/Merrill Edge brokerage
Thanks. Thats what I was thinking also. Just not sure of any pitfalls.
- Thu Jan 21, 2021 9:17 am
- Forum: Personal Investments
- Topic: BOA/Merrill Edge brokerage
- Replies: 15
- Views: 1256
BOA/Merrill Edge brokerage
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...
- Wed Dec 30, 2020 4:52 pm
- Forum: Investing - Theory, News & General
- Topic: TLH Opportunity Lost?
- Replies: 3
- Views: 315
TLH Opportunity Lost?
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.
- Sat Nov 28, 2020 3:38 pm
- Forum: Personal Investments
- Topic: LMP architects - can I ask your help?
- Replies: 6
- Views: 877
Re: LMP architects - can I ask your help?
Thanks grok and bigsky. Then inside of the 5.6 years use stable value fund? Or just not to worry.
- Fri Nov 27, 2020 5:29 pm
- Forum: Personal Investments
- Topic: LMP architects - can I ask your help?
- Replies: 6
- Views: 877
LMP architects - can I ask your help?
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 ...
- Fri Nov 27, 2020 11:00 am
- Forum: Personal Investments
- Topic: Those that won the game with x amount in FI, do you still rebalance ?
- Replies: 13
- Views: 1658
Re: Those that won the game with x amount in FI, do you still rebalance ?
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.
- Mon Nov 23, 2020 9:46 pm
- Forum: Personal Investments
- Topic: Recommendations from financial advisor
- Replies: 63
- Views: 5792
Re: Recommendations from financial advisor
Saw this once on the forum.
“Some advisers turn your money and their experience into their money and your experience.”
“Some advisers turn your money and their experience into their money and your experience.”
- Wed Oct 28, 2020 12:42 pm
- Forum: Personal Consumer Issues
- Topic: Drinking water at home
- Replies: 72
- Views: 4725
Re: Drinking water at home
+1
This works to de-chlorinate.
This works to de-chlorinate.
- Sun Oct 18, 2020 4:46 pm
- Forum: Investing - Theory, News & General
- Topic: Can anyone comment on MaxFi financial planning software?
- Replies: 12
- Views: 1559
Can anyone comment on MaxFi financial planning software?
Can anyone comment on MaxFi financial planning software? Thanks.
- Thu Sep 03, 2020 6:19 am
- Forum: Personal Investments
- Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
- Replies: 53
- Views: 5177
Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
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.
- Wed Sep 02, 2020 9:36 pm
- Forum: Personal Consumer Issues
- Topic: Best Way to Watch British Mystery Shows
- Replies: 96
- Views: 9146
Re: Best Way to Watch British Mystery Shows
Death in Paradise is great also.
- Mon Aug 24, 2020 3:03 pm
- Forum: Investing - Theory, News & General
- Topic: Liability Matching Portfolio and/or Asset Allocation
- Replies: 52
- Views: 3660
Re: Liability Matching Portfolio and/or Asset Allocation
Take some time.
Read up on Dr Bill Bernstein and Dr Robert Merton for info on Liability Matching, and Liability Duration Matching Portfolio theory.
Read up on Dr Bill Bernstein and Dr Robert Merton for info on Liability Matching, and Liability Duration Matching Portfolio theory.
- Tue Aug 18, 2020 5:35 pm
- Forum: Investing - Theory, News & General
- Topic: TLH - do I have this correct?
- Replies: 5
- Views: 389
Re: TLH - do I have this correct?
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...
- Tue Aug 18, 2020 8:23 am
- Forum: Investing - Theory, News & General
- Topic: TLH - do I have this correct?
- Replies: 5
- Views: 389
TLH - do I have this correct?
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...
- Sat Aug 08, 2020 3:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Refinance Mega Thread
- Replies: 10054
- Views: 711712
Re: Refinance Mega Thread
Is it possible to refinance without having an in-home appraisal
- Sat Aug 08, 2020 3:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Refinance Mega Thread
- Replies: 10054
- Views: 711712
Re: Refinance Mega Thread
Is it possible to refinance without having an in-home appraisal
- Sat Aug 01, 2020 11:19 am
- Forum: Investing - Theory, News & General
- Topic: TIPS & Inflation (expected vs. unexpected) ?
- Replies: 27
- Views: 1293
- Sat Aug 01, 2020 11:17 am
- Forum: Personal Investments
- Topic: Good idea to hold TIPS now?
- Replies: 185
- Views: 16605
Re: Good idea to hold TIPS now?
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.
Maybe ease into a stronger position over time.
Disclosure: my LMP is comprised of LTPZ, FIPDX and some VFIUX.
- Sat Aug 01, 2020 8:43 am
- Forum: Investing - Theory, News & General
- Topic: TIPS & Inflation (expected vs. unexpected) ?
- Replies: 27
- Views: 1293
- Tue Jul 28, 2020 5:36 pm
- Forum: Investing - Theory, News & General
- Topic: REITS up today
- Replies: 5
- Views: 857
Re: REITS up today
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.
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.
- Tue Jul 28, 2020 3:43 pm
- Forum: Investing - Theory, News & General
- Topic: REITS up today
- Replies: 5
- Views: 857
REITS up today
Anyone know why REITS has a nice boost today?
- Sun Jul 26, 2020 8:37 am
- Forum: Personal Investments
- Topic: Social Security Office Unresponsive 14 weeks
- Replies: 9
- Views: 1536
Re: Social Security Office Unresponsive 14 weeks
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...
- Sun Jul 26, 2020 7:42 am
- Forum: Personal Investments
- Topic: Social Security Office Unresponsive 14 weeks
- Replies: 9
- Views: 1536
Re: Social Security Office Unresponsive 14 weeks
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....
- Sun Jul 26, 2020 7:06 am
- Forum: Personal Investments
- Topic: Social Security Office Unresponsive 14 weeks
- Replies: 9
- Views: 1536
Social Security Office Unresponsive 14 weeks
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?
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?
- Tue Jul 21, 2020 9:18 am
- Forum: Personal Investments
- Topic: UPCOMING 10 year Tips and 20 years Tips auction
- Replies: 8
- Views: 949
Re: UPCOMING 10 year Tips and 20 years Tips auction
What about a fund like LTPZ long term tips. It has a steep .20 expense ratio but the duration will stay around 21.46
- Sun Jul 19, 2020 10:44 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS/LMP Concerns
- Replies: 41
- Views: 1801
Re: TIPS/LMP Concerns
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.
- Sat Jul 18, 2020 3:36 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS/LMP Concerns
- Replies: 41
- Views: 1801
Re: TIPS/LMP Concerns
So Vineviz. Yes its B. And thanks for all your help in the past
- Sat Jul 18, 2020 3:34 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS/LMP Concerns
- Replies: 41
- Views: 1801
Re: TIPS/LMP Concerns
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 ...
- Sat Jul 18, 2020 12:58 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS/LMP Concerns
- Replies: 41
- Views: 1801
Re: TIPS/LMP Concerns
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.
- Fri Jul 17, 2020 2:52 pm
- Forum: Investing - Theory, News & General
- Topic: TIPS/LMP Concerns
- Replies: 41
- Views: 1801
Re: TIPS/LMP Concerns
Thank you.
- Fri Jul 17, 2020 10:35 am
- Forum: Investing - Theory, News & General
- Topic: TIPS/LMP Concerns
- Replies: 41
- Views: 1801
TIPS/LMP Concerns
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...
- Thu Jul 16, 2020 12:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: LDMP/LDI Portfolio - Deflation or other concerns?
- Replies: 4
- Views: 226
Re: LDMP/LDI Portfolio - Deflation or other concerns?
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...
- Thu Jul 16, 2020 10:06 am
- Forum: Personal Finance (Not Investing)
- Topic: LDMP/LDI Portfolio - Deflation or other concerns?
- Replies: 4
- Views: 226
Re: LDMP/LDI Portfolio - Deflation or other concerns?
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.
Yes. Thanks.
I have followed your posts on the threads aforementioned. Great. That is re assuring news and what I thought was the case.
- Thu Jul 16, 2020 7:33 am
- Forum: Personal Finance (Not Investing)
- Topic: LDMP/LDI Portfolio - Deflation or other concerns?
- Replies: 4
- Views: 226
LDMP/LDI Portfolio - Deflation or other concerns?
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 ...
- Sat Jul 11, 2020 9:41 pm
- Forum: Personal Consumer Issues
- Topic: House with high tension power lines in backyard
- Replies: 71
- Views: 5517
Re: House with high tension power lines in backyard
Thank you all.
- Sat Jul 11, 2020 1:25 pm
- Forum: Personal Consumer Issues
- Topic: House with high tension power lines in backyard
- Replies: 71
- Views: 5517
Re: House with high tension power lines in backyard
Main concerns:
1) health of high tension power lines
2) resale bc others are concerned with 1)
1) health of high tension power lines
2) resale bc others are concerned with 1)
- Sat Jul 11, 2020 12:18 pm
- Forum: Personal Consumer Issues
- Topic: House with high tension power lines in backyard
- Replies: 71
- Views: 5517
House with high tension power lines in backyard
Looking at a house to buy. High tension power lines ( with the big towers) crosses just behind backyard. I have concerns. Any advice?
- Mon Jul 06, 2020 6:51 am
- Forum: Personal Finance (Not Investing)
- Topic: Taxes paid with BOA card?
- Replies: 1
- Views: 305
Taxes paid with BOA card?
Does anyone know if paying your federal and state income taxes with a BOA card would count under the online shopping/purchases category? Thanks.
- Thu Jun 25, 2020 9:06 am
- Forum: Personal Investments
- Topic: Time value of money TVM Book
- Replies: 5
- Views: 435
Time value of money TVM Book
Can anyone recommend a good book on time value of money (TVM). for a beginner. Thank you.
- Wed Jun 24, 2020 9:47 pm
- Forum: Investing - Theory, News & General
- Topic: What famous investing quote reminds you of your investing style?
- Replies: 150
- Views: 7776
Re: What famous investing quote reminds you of your investing style?
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.”
“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.”