Search found 12 matches

by Freckle's friend
Tue Dec 08, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3082
Views: 1947957

Re: The Three-Fund Portfolio

I think I realize my error. I should have better specified "asset class diversification" Gold mining stocks are still equities. Gold bullion is a commodity. Separate classes. Just as XOM is not the same as crude oil. A lot of us think of them as being good proxies, but still they are not ...
by Freckle's friend
Sat Nov 28, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Pension Annuity?
Replies: 20
Views: 1888

Re: Lump Sum or Pension Annuity?

Consider plugging your numbers into immediateannuties.com. My quick check of your data indicated a monthly payout of $599, so your pension would pay you a larger benefit than you could get on your own with the same lump sum; the benefit of having an annuity "wholesale" through your employ...
by Freckle's friend
Sat Nov 28, 2020 12:51 pm
Forum: Personal Investments
Topic: Anyone holding TIPS in their 'three fund portfolio'?
Replies: 2
Views: 365

Anyone holding TIPS in their 'three fund portfolio'?

Hi all, I am rapidly heading into retirement, comfortable with my portfolio balance of 65% stock and 35% bonds holding 1 year's average expenses in cash, mirroring the 3 fund portfolio as my historical investment history and other obligations permit. TIPS are not mentioned in the 3 fund system and y...
by Freckle's friend
Fri Oct 30, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Pension Annuity?
Replies: 20
Views: 1888

Re: Lump Sum or Pension Annuity?

I want to thank everyone who responded. All together you raised interesting points and offered some great resources that I will have to explore. 1) There is an immediateannuities site that can help estimate the value of an annuity. If I were to invest my lump sum, it would not buy the same annuity p...
by Freckle's friend
Tue Oct 27, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Pension Annuity?
Replies: 20
Views: 1888

Re: Lump Sum or Pension Annuity?

I want to thank everyone who has responded to my question. Of course, there is no single consensus as each person has different values and different circumstances. The conversation has been very worthwhile. Is this another way to consider it? If we use the 4% rule that I should expect to die with mo...
by Freckle's friend
Mon Oct 26, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Pension Annuity?
Replies: 20
Views: 1888

Lump Sum or Pension Annuity?

I have both a general question and my specific question. The specifics. I turn 65 and am required to take a disbursement of a smallish pension. I can take a lump sum and roll it into my IRA of $163K. OR I can take $772 a month for as long as I and my wife live (no COLA adjustment). She is in excelle...
by Freckle's friend
Sun Oct 25, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum Advice
Replies: 22
Views: 1356

Re: Pension Lump Sum Advice

Instead of creating a new thread, I thought I would ask this crew their thoughts on MY situation. Turning 65, must start taking my Pension. I have 3 options. $170K lump sum v $835 per month 50% for my wife if I pre-decease her. $772 per month for 100% for my wife if I pre-decease her. SHE is 5 years...
by Freckle's friend
Thu Aug 27, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9527

Re: Whose being naughty and keeping some dry powder around?

I'm pumping any leftover money into my settlement fund to try to market time some bargain buying when/if a large correction occurs. at what percentage decline will you wait to deploy your dry powder? Depends on the general circumstances at the time. If what is driving the market down (if that can b...
by Freckle's friend
Sun Aug 23, 2020 5:10 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 437
Views: 424747

Re: A time to EVALUATE your jitters

AA= 90/10, late 20s investor for about 5 years. I cashed out and adjusted to 20/80 the day before the drop in Feburary, breaking my own hold-forever policy that I'd come up with after doing recommended Bogleheads reading. I have friends and family in east Asia who were living through the outbreak a...
by Freckle's friend
Sun Aug 23, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 437
Views: 424747

Re: A time to EVALUATE your jitters

Turns out a lot of people only believe that when the market is going up. I'm sure this time is different. Last time was different too. Time before that even more different. Next time will be a whole new level of different that will surprise everybody. Isn't this the truth! For as long as the Market...
by Freckle's friend
Wed Aug 19, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: [How does one fight the urge to make simple things more complex?]
Replies: 82
Views: 5320

Re: [How does one fight the urge to make simple things more complex?]

as I am nearing retirement I need to 'protect myself' in some way the Three Fund can't. Sigh. Freckle's friend: I am 96 years old and I retired at age 57. "The Three Fund" Portfolio (or similar) has protected me just fine. Best wishes. Taylor Jack Bogle's Words of Wisdom "A balanced ...
by Freckle's friend
Sun Aug 16, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: [How does one fight the urge to make simple things more complex?]
Replies: 82
Views: 5320

Re: [How does one fight the urge to make simple things more complex?]

Hello all! My first post having just joined Bogleheads.org. I was drawn to this question from the 'three fund portfolio' thread. I have been intrigued by behavioral economics from a broader interest in 'decision-making science' starting with Tversky's and Kahneman's first paper in Science in the 197...