Search found 42 matches

by raiderjkwong
Tue Sep 22, 2020 12:55 pm
Forum: Personal Investments
Topic: Why is this portfolio wrong?
Replies: 55
Views: 3718

Re: Why is this portfolio wrong?

Forgot to mention, I also invest in QQQ and S&P as well as tech-growth stocks but have all of my retirement monies (2 M) safely secured in US treasuries and bonds (AGG/BND). I plan to retire in a couple of years. Having been through the 2000-2002 and 2008-2009 stock market collapses I don't have 10+...
by raiderjkwong
Tue Sep 22, 2020 12:50 pm
Forum: Personal Investments
Topic: Why is this portfolio wrong?
Replies: 55
Views: 3718

Re: Why is this portfolio wrong?

As is often quoted around here “If you’ve won the game, stop playing”
https://esimoney.com/youve-won-game-stop-playing/

Another good quote: You invest in stocks to grow your wealth; you invest in bonds to preserve it or in other words
You take risks to become rich; you limit risks to stay rich!
by raiderjkwong
Mon Sep 21, 2020 3:35 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13978

Re: Losing Money with Index Funds

2000-2002, 2008-2009, I lost close to close to 50%. From 1999 to 2009, was the lost decade where the S&P gained close to 0%. During these times, my only my bond index funds lost nothing and actually gained.
by raiderjkwong
Fri Sep 18, 2020 9:07 pm
Forum: Personal Investments
Topic: Rebalancing to 50/50
Replies: 55
Views: 5300

Re: Rebalancing to 50/50

I think your portfolio of 22% stocks and rest in bonds is perfect. Too many unknowns in the near future. I would only move another 10% over if and when there is another 10%-20% correction.
by raiderjkwong
Wed Sep 16, 2020 8:36 pm
Forum: Personal Investments
Topic: I need help in selecting a bond fund
Replies: 20
Views: 2084

Re: I need help in selecting a bond fund

BND is a great total bond fund. It has returned 6.51 this year, 5.13 in 3 years, 4.36 in 5 years and 3.58 n 10 years. It fell in March because investors sold off everything including stocks and bonds, but as others has commented it only when down 10% when stocks went down 35%, thus giving your portf...
by raiderjkwong
Wed Sep 16, 2020 8:21 pm
Forum: Personal Investments
Topic: Opinions on 100% into VGT and QQQ
Replies: 33
Views: 2628

Re: Opinions on 100% into VGT and QQQ

I own QQQ, its a great ETF. QQQ with the S&P has been a great combination of growth the past 10 years.
by raiderjkwong
Sun Sep 13, 2020 10:02 am
Forum: Personal Investments
Topic: transitioning portfolio with age
Replies: 29
Views: 2899

Re: transitioning portfolio with age

Retirement adages:

Take risk to get rich; limit risk to stay rich

Invest in stocks to build wealth; Invest in bonds to preserve wealth
by raiderjkwong
Sat Sep 12, 2020 10:09 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

Old investment adages that applies to retirement portfolios:

Take risk to get rich; limit risk to stay rich

Invest in stocks to growth wealth; Invest in bonds to preserve wealth
by raiderjkwong
Sat Sep 12, 2020 5:54 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

Good luck to you Jebmke. Not here to compete, argue or debate with anyone, just sharing with other Bogleheads.
by raiderjkwong
Sat Sep 12, 2020 5:47 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

Jebmke, maybe slightly lower, but not the 1% you posted, still well over 6.5% for the year.
by raiderjkwong
Sat Sep 12, 2020 5:34 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

In response to jebmke. Per AGG Total Bond Fund website. Vanguard Total Bond (BND) has similar returns but may be slightly higher. Returns As of 9-11-2020, 6.95% 3 years, 5.25% 5 years, 4.24% 10 years, 3.73 For my short term treasury returns, I am invested in the G Fund since I am a govt employee. Re...
by raiderjkwong
Sat Sep 12, 2020 5:05 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

Great job Scrabbler1 on your income portfolio.
by raiderjkwong
Sat Sep 12, 2020 5:03 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

To answer Robert20's question, none of my portfolio returns are tax-free. I must pay Uncle Sam.
by raiderjkwong
Sat Sep 12, 2020 4:30 pm
Forum: Personal Investments
Topic: To REIT or not to REIT?
Replies: 50
Views: 5308

Re: To REIT or not to REIT?

I invested in O (Realty Income) in the crash in 2008 and recently added STOR. O has been my best investment surpassing the S&P. I bought shares at 18.00 and its currently at trading at 64 and paying me a 20% return. I just wished I bought more.
by raiderjkwong
Sat Sep 12, 2020 3:45 pm
Forum: Personal Investments
Topic: Anyone successfully living off dividends & interest?
Replies: 204
Views: 20269

Re: Anyone successfully living off dividends & interest?

My wife and I have been planning our retirement the past 20 years and will have several income sources: Pension: 13,000 a month, 156,000 annually Retirement account: 2M invested in short term US Treasuries and US total bond fund, 48,000 to 72,000 annually depending on 2-3% yield return Stock account...
by raiderjkwong
Sat Sep 12, 2020 3:31 am
Forum: Personal Investments
Topic: Deciding between QQQ & VGT?
Replies: 23
Views: 2007

Re: Deciding between QQQ & VGT?

I am a huge fan of QQQ. Great portfolio of 100 growth stocks.
by raiderjkwong
Fri Sep 11, 2020 5:15 pm
Forum: Personal Investments
Topic: Newbie question: why bother with bond funds now?
Replies: 11
Views: 1312

Re: Newbie question: why bother with bond funds now?

Thanks Paul for the awesome bond post.
by raiderjkwong
Fri Sep 11, 2020 5:13 pm
Forum: Personal Investments
Topic: Newbie question: why bother with bond funds now?
Replies: 11
Views: 1312

Re: Newbie question: why bother with bond funds now?

If you were invested in the S&P 500 from 1999 to 2011, you earned 2.5%; however if you were invested in the the total bond market, you earned 5% or double your investment. This was called the lost decade for stocks. Lesson: Always diversify, no one knows the future.
by raiderjkwong
Thu Sep 10, 2020 3:50 pm
Forum: Personal Investments
Topic: What to do, if anything, about a single stock (XOM)
Replies: 15
Views: 1478

Re: What to do, if anything, about a single stock (XOM)

I own a couple oil and gas pipelines. I bought most of my shares during the crash in 08 and this year so I am only down 5% but I am getting a dividend yield of of 10-12% so I am keeping them. Over 10 years ago I bought Kinder Morgan (KMI) and I have lost 70% of its value so I sold out of my position...
by raiderjkwong
Tue Sep 08, 2020 1:03 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thank you Karamatsu, JoeRetire, Humblecoder, Fishnskiguy and J295 for all of your comments an wisdom. Its sounds like we have the same core beliefs about capital preservation and enjoying life once we have reached our financial goals. Its great to hear from fellow conservative investors who have "wo...
by raiderjkwong
Tue Sep 08, 2020 1:07 am
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Reastman, Thanks for the real estate tip. I agree with you. I bought the reit O back in 2008 and it has beaten the S&P since and is my best investment in my portfolio. I just wished I bought more. I also bought the reit STOR in March and it has since returned over 50%. Again, I just wish I bought mo...
by raiderjkwong
Tue Sep 08, 2020 1:01 am
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Sandtrap, I ordered the Bernstein book.....Looks like a great read. Thanks again.
by raiderjkwong
Tue Sep 08, 2020 12:42 am
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thanks Sandtrap for the book tip.
by raiderjkwong
Mon Sep 07, 2020 9:29 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

I apologies Jsh for my comments. I re-read your post and I am not sure if your wife is a cancer survivor or has passed. Please accept my sincerely apology.
by raiderjkwong
Mon Sep 07, 2020 9:26 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thanks for sharing Jsh. Condolences to you and your family on your wife's passing. My wife also had cancer. She was diagnosed with breast cancer last year. She is currently on chemo and will have her final surgery in Dec. We plan to retire and travel extensively and enjoy life with no worries or str...
by raiderjkwong
Mon Sep 07, 2020 7:46 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thanks Celia and Marcopolo for your comments.
by raiderjkwong
Mon Sep 07, 2020 7:44 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thanks Joe Retire and Jdamo for your comments.
by raiderjkwong
Mon Sep 07, 2020 7:29 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thanks retiredjg for the Swenson article and your wisdom.
by raiderjkwong
Mon Sep 07, 2020 7:18 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

I agree with you to Live. I think we have the same attitude and mid set.
by raiderjkwong
Mon Sep 07, 2020 7:16 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Re: Are we being too conservative for our retirement?

Thanks for all your comments. To answer some questions, Yes, we will be collecting SS and our pensions are adjusted annually for inflation. We will be earning 13,000 a month in 2023 and get annual increases. Since we have no mortgage or loans, our monthly bills are roughly 8,000 a month. Based on ou...
by raiderjkwong
Mon Sep 07, 2020 3:36 pm
Forum: Personal Investments
Topic: Are we being too conservative for our retirement?
Replies: 39
Views: 5052

Are we being too conservative for our retirement?

Reading another post from FIRE 2020 got me thinking about our retirement. We are very conservative since we lived through the lost decade when S&P 500 was flat from 1999 to 2011 and made no gains in 11 years. We plan to retire in three years and both of us have pensions paying us 13,000 a month. We ...
by raiderjkwong
Mon Sep 07, 2020 2:39 pm
Forum: Personal Investments
Topic: Portfolio review - FIRE 2020?
Replies: 57
Views: 4526

Re: Portfolio review - FIRE 2020?

We are in a similar position but our investments are quite conservative since we lived through the lost decade when S&P 500 was flat from 1999 to 2011 and made no gains in 11 years. We plan to retire in three years and both of us have pensions paying us 13,000 a month. We are 53 years old and own ou...
by raiderjkwong
Mon Sep 07, 2020 11:20 am
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 9093

Re: Wife is "forcing" me to buy stock(s)

I would buy 1 share of AMZN and see where it goes in 10-20 years.
by raiderjkwong
Fri Sep 04, 2020 1:32 am
Forum: Personal Investments
Topic: Supplementing AGG in Rollover IRA
Replies: 16
Views: 697

Re: Supplementing AGG in Rollover IRA

I would definitely keep AGG as a core bond holding. I am thinking about adding to my position in TLT 20 year treasury bond.
by raiderjkwong
Wed Aug 26, 2020 4:36 pm
Forum: Personal Investments
Topic: Intermediate bond index versus Total Bond Index
Replies: 34
Views: 3864

Re: Intermediate bond index versus Total Bond Index

Thanks for the info. This is a wonderful thread. I have learned a lot reading from all the responses.
by raiderjkwong
Wed Aug 26, 2020 4:31 pm
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3635

Re: TSP: G and F fund

Of course I know, I credited them for listing the links. I re-mentioned their links for those following this thread who did not read them.
by raiderjkwong
Tue Aug 25, 2020 10:52 pm
Forum: Personal Investments
Topic: Intermediate bond index versus Total Bond Index
Replies: 34
Views: 3864

Re: Intermediate bond index versus Total Bond Index

Very good posts Northern Flicker.
by raiderjkwong
Tue Aug 25, 2020 8:22 pm
Forum: Personal Investments
Topic: Intermediate bond index versus Total Bond Index
Replies: 34
Views: 3864

Re: Intermediate bond index versus Total Bond Index

Great discussion. I like the total bond index due to its diversity. It has a stronger position in government treasuries so it's a safer investment compared to corporate bonds. That said, it will also have a lower return. The Intermediate bond index is a great fund too. I like both.
by raiderjkwong
Tue Aug 25, 2020 2:54 pm
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3635

Re: TSP: G and F fund

Check out these two post from Bogota1972 and renegade06. It's a thoughtful analysis of the and G and F Fund. This is my position as well...


https://www.arthursteinfinancial.com/bl ... most-sense. Go to link then go to blogs.


https://www.fedsmith.com/2019/11/12/f-f ... field-tsp/
by raiderjkwong
Tue Aug 25, 2020 12:39 pm
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3635

Re: TSP: G and F fund

Thanks for your comments. Very helpful.
by raiderjkwong
Tue Aug 25, 2020 11:49 am
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3635

Re: TSP: G and F fund

My wife and I are retiring in a couple of years. We have two TSP accounts with a value of 2 M. We invested all of it in the G fund since 2018. We just moved all of it in the F Fund due to the low returns of the G with interest rates at 0%. I have researched both funds and on many websites and althou...