Search found 1814 matches

by steve roy
Wed Mar 13, 2024 4:52 pm
Forum: Investing - Theory, News & General
Topic: More Evidence Against Factor Investing
Replies: 473
Views: 33847

Re: More Evidence Against Factor Investing

km91 wrote: Mon Jan 15, 2024 8:30 pm
Charles Joseph wrote: Mon Jan 15, 2024 7:29 pm But holding the total market at the lowest possible cost just seems to make the most sense.
Does it though? In any market other than stock market the strategy of buying the total market would make no sense. Do you buy regular, mid grade, and supreme at the gas station? Do you own a Tesla, Camry, Silverado, and Corolla in proportion to the total car market? If someone asks you for a recommendation for a product or consumer good do you reply with "all of them" or are there other "factors" that need to be considered?
Apples? Meet oranges.
by steve roy
Thu Feb 15, 2024 1:44 pm
Forum: Personal Investments
Topic: How much did you pay Vanguard this year?
Replies: 66
Views: 6943

Re: How much did you pay Vanguard this year?

We use none of Vanguard’s “add ons” and pay six basis points for a mixture of index funds and active funds. We own a slug of Wellington, but the majority of the family portfolio is in indexes.

Except for the annoying pop ups on the VG website urging us to use a Vanguard advisor, all is serene.
by steve roy
Mon Jan 22, 2024 10:31 am
Forum: US Chapters
Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Replies: 429
Views: 41927

Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂

Long standing ovation for a full life, productively lived!👏🏻👏🏻👏🏻
by steve roy
Tue Jan 16, 2024 9:24 pm
Forum: Investing - Theory, News & General
Topic: How did you make your first $1M?
Replies: 148
Views: 33606

Re: How did you make your first $1M?

Wife and I were more or less broke when I hit 40. I’d been bouncing around to short term jobs and she was pulling down a steady income in the LA cartoon industry. I got a job teaching Middle School, but soon ran for a salaried position in the union I had been in for 12 years … over DW’s objections. Stayed there 27 years with both of us working, living below our means and fully funding IRAS and 401ks. Sent two sons to public schools. Wealth rose slowly but steadily. Bought a second house in So Cal and sold the first small one when CA real estate prices weren’t insane. Moved out of state for retirement without regrets, selling house at a nice markup as we left. That, in a nutshell, is how we came by our stash. We “got rich” at a snail’s pace..
by steve roy
Mon Jan 15, 2024 11:44 pm
Forum: Investing - Theory, News & General
Topic: Where does the loyalty to Vanguard come from?
Replies: 72
Views: 6408

Re: Where does the loyalty to Vanguard come from?

The site was named after the founder of Vanguard, so it fits. Late John Bogle is a rational person tho and even he would choose Fidelity over Vanguard given choice. Using Vanguard is irrational based on higher fees and poor customer service & technology. Irrational? Strong words. I’ve been at Vanguard 30 years give or take. Put my mother in VG funds and the investments paid for seven years of her assisted living, and then some. I navigate the website. Anybody with a middle of the road high school education can do the same. I make the occasional call to staff and receive the info I need. I visit Vanguard’s website but little, and close pop-ups I don’t like when I do. Some Vanguard changes I favor and some I don’t. But changing to anothe...
by steve roy
Thu Jan 11, 2024 3:20 pm
Forum: Investing - Theory, News & General
Topic: Trading Cryptocurrency (Bitcoin ETFs) - Bogleheads forum policy remains unchanged
Replies: 47
Views: 7271

Re: BTF ... anyone purchase Schwab's listed bitcoin today?

I agree with Charlie Munger. Bitcoin is “rat poison” and I stay far away from it. (No doubt there will be … by and by… some exposure to BC in the Total Stock Market, but the market is what it is.)
by steve roy
Wed Nov 29, 2023 8:19 pm
Forum: Investing - Theory, News & General
Topic: Mutual funds that beat index funds in the long run
Replies: 75
Views: 22867

Re: Mutual funds that beat index funds in the long run

Even if there are a few mutual funds that have beat index funds over a long time period, that could be due to luck and does not necessarily say anything about how those funds will do going forward. In fact, a monkey throwing darts should beat an index fund in quite a few years if the monkey's stocks are in a Roth, have no transaction fees, and the monkey does not charge expenses. Or the monkey could create a "monkey index" in year 1 and just hold those stocks over time. Also, do not use Buffet or Lynch as examples because they played in a very different, much less efficient market when they outperformed. no one is lucky for 55 years If you are talking about Buffet, he made his money by buying businesses and helping run them - not...
by steve roy
Mon Jul 24, 2023 10:17 am
Forum: Personal Investments
Topic: 30 percent equity allocation in retirement
Replies: 65
Views: 5978

Re: 30 percent equity allocation in retirement

We’ve been at 30% equities since retiring in ‘17. The game for us is capital preservation and the strategy has worked like a dream.

We don’t move our equity investments around, but have shortened bond durations. No regrets whatsoever.
by steve roy
Sat Jul 08, 2023 6:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066590

Re: What Movie Have You Recently Watched?

The new Jennifer Lawrence yuk fest “No Hard Feelings”. She and her teenage co-star Andrew Feldman carry the picture over the uneven and predictable parts, and the flick rates a solid “B”. But what a shock to see Ferris Buehler now doing gray-haired, gray-bearded Dad parts.
by steve roy
Fri Mar 24, 2023 1:29 pm
Forum: Investing - Theory, News & General
Topic: I don't have to worry about living past 80, even if I retire at 46 with just 23X
Replies: 285
Views: 29436

Re: I don't have to worry about living past 80, even if I retire at 46 with just 23X

Might work okay. Might not work. Very few folks predict the future with accuracy.

On the other hand, if your projections and investments go to hell in a handcart, you can always grit your teeth and return to the workforce.
by steve roy
Sun Mar 05, 2023 9:50 pm
Forum: Personal Consumer Issues
Topic: Do you go for walks?
Replies: 175
Views: 17256

Re: Do you go for walks?

Jogging and walking from 1968 to now. Varied it over the years with bicycling then a stationary bike. Elliptical machine. Now check steps per minute and heart rate with an Apple watch. (The damn watch nags about exercise. Irritating but semi-useful.)

Upper body work 2-3 days per week. Cardio 7 days/week when I can swing it. (Usually I can.)

Big lesson learned over the decades: you can always gain weight if you over consume calories. (Duh.) Even if you run miles. I used to kid myself that I ran so I was immune as I ate the kids left over Big Macs. I now weigh 52 pounds less than I did in my delusional days, and weigh myself each morning to make sure I stay that way.
by steve roy
Mon Jan 02, 2023 6:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066590

Re: What Movie Have You Recently Watched?

“Puss in Boots 2” - a frenetic roller coaster ride with a slight story — Puss is pursuing a magic wishing star with other fairy tale figures in hot competition with him.

The vocal characterizations are first rate, with lots of inventive moments. But like a lot of modern flicks, the “exciting climax” is stretched to the max, and gets a wee bit tiresome.

OTOH, my wife slept through part of it.
by steve roy
Wed Dec 14, 2022 6:41 pm
Forum: Investing - Theory, News & General
Topic: Why a Glide Path to Retirement?
Replies: 400
Views: 26753

Re: Why a Glide Path to Retirement?

The fulcrum here would be the size of your retirement stash. As Bill Bernstein often says: “Why continue to play when you’ve won the game?”

I mean, if you’ve socked away millions, wouldn’t a major focus in retirement, particularly early retirement, be capital preservation?
by steve roy
Tue Dec 13, 2022 11:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066590

Re: What Movie Have You Recently Watched?

IowaFarmWife wrote: Tue Dec 13, 2022 10:01 pm I finally got around to watching Elvis (2022) tonight. I have never been a huge Elvis fan, but I thought the movie was well done.
+1
by steve roy
Tue Dec 13, 2022 9:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066590

Re: What Movie Have You Recently Watched?

Most recent flick viewed on a theater screen: the December reissue of “Top Gun: Maverick”, kind of the ultimate popcorn movie/heroic flyboy pic, similar to “Wings” (Best Picture winner from 1927), “The Dawn Patrol”, and “Desperate Journey” (1942), and Howard Hawks’s “Air Force”.

Without giving plot away, I found the climax of “Top Gun” similar to … and just as preposterous… as the climax to “Desperate Journey”, though the two features are dissimilar in many other ways.

But all the pictures have macho, wise cracking military pilots in common.
by steve roy
Sat Dec 10, 2022 1:40 pm
Forum: Investing - Theory, News & General
Topic: Difference in performance Wellesley vs. Vang CA LT muni
Replies: 4
Views: 520

Re: Difference in performance Wellesley vs. Vang CA LT muni

They’re different animals in many ways, with different risks. Wellesley has large value stocks, corporate bond and (if memory serves) some federal bonds.

‘Twere me, I would reduce Wellesley but not eliminate it. I think diversification is important.
by steve roy
Tue Oct 11, 2022 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What prompted you to pull the plug and retire?
Replies: 249
Views: 45705

Re: What prompted you to pull the plug and retire?

I was pushing 70. I’d been in the job of business rep for 3 decades and the job was relatively stressful so what was I waiting for. The Mrs. was delighted to hang it up.

No regrets.
by steve roy
Sat Oct 08, 2022 1:47 pm
Forum: Investing - Theory, News & General
Topic: Worst. Bond. Market. Ever.
Replies: 73
Views: 11836

Re: Worst. Bond. Market. Ever.

Funny how the Permanent Portfolio, once the belle of the ball, finds less favor around here now with its 25% allocations of Long Term Treasuries and Total Stock Market.

The Big Wheel keeps on Turning.
by steve roy
Fri Sep 09, 2022 5:26 pm
Forum: Personal Consumer Issues
Topic: The Exercise Coach 2x weekly program
Replies: 61
Views: 26501

Re: The Exercise Coach 2x weekly program

After the virus hit and I stopped going to the gym, I switched to push-ups, bar dips, sit-ups and light weights to strengthen my upper back. Works well.

(Used to do pull-ups, but a few over enthusiastic sessions in my late sixties, and damaging a rotator cuff stopped the practice. Apparently you have to alter exercise routines with advancing age. Who knew?)
by steve roy
Mon Aug 22, 2022 11:55 am
Forum: Investing - Theory, News & General
Topic: Assets Uncorrelated With Stocks During Downturns
Replies: 89
Views: 8941

Re: Assets Uncorrelated With Stocks During Downturns

Ark2022 wrote: Sat Aug 20, 2022 12:13 am Has anyone come across thoughtful data exploring asset correlations to stocks during major stock drawdowns?

Appreciate it!
Harry Browne’s “Permanent Portfolio” is known for (relatively) uncorrelated assets: 1/4 Total Stock Market; 1/4 Short Term Treasuries; 1/4 Long Term Treasuries; 1/4 Gold.

William Bernstein did an article on the PP some years back where he dives into the pluses and minuses of this asset allocation.
by steve roy
Wed Jul 06, 2022 11:23 pm
Forum: Investing - Theory, News & General
Topic: Stocks, bonds on track for worst year since post-Civil War
Replies: 129
Views: 15669

Re: Stocks, bonds on track for worst year since post-Civil War

Pick 2 arbitrary dates. Write your click-bait headline.
by steve roy
Tue Jul 05, 2022 3:35 pm
Forum: Investing - Theory, News & General
Topic: Survey Question: For Retired or Those Close to Retirement, What Withdrawal Method are You Using?
Replies: 240
Views: 19193

Re: Survey Question: For Retired or Those Close to Retirement, What Withdrawal Method are You Using?

From pension accounts we use RMDs, taken in late November. We withdraw from assets that are above our asset allocation targets, though our 401(k)s are in VG Target Date funds, so we just pull from those for the 401(k) RMD withdrawals.
by steve roy
Fri Jun 24, 2022 10:57 am
Forum: Investing - Theory, News & General
Topic: Bonds don't seem to hedge against downturns anymore
Replies: 153
Views: 17470

Re: Bonds don't seem to hedge against downturns anymore

Taylor Larimore wrote: Mon Jun 20, 2022 8:12 am
K8ya wrote: Mon Jun 20, 2022 7:53 am Seems in 08 and now they both fell when the downturn happened. Am I misunderstanding their purpose? I feel like just going 100% stock if they don't actually guard against downturns which are temporary anyways
K8ya:

Vanguard Total Bond Market Index Fund gained +5% in "08." No one knows what it will do this year.

Best wishes.
Taylor
Jack Bogle's Words of Wisdom: "Stay the Course. No matter what happens, stick to your program. I've said "Stay the course" a thousand times, and I meant it every time. It is the most important single piece of investment wisdom I can give to you."
Vanguard's short-term TIPS ETF gained 5.3% in 2021.

Not too shabby.
by steve roy
Tue Jun 21, 2022 3:46 pm
Forum: Investing - Theory, News & General
Topic: Bonds don't seem to hedge against downturns anymore
Replies: 153
Views: 17470

Re: Bonds don't seem to hedge against downturns anymore

Over a year ago we received a large slug of moolah and sank most of it into Vanguard’s short term TIPS ETFs. Paid off like gangbusters. And I’m here to tell you, bond funds are great.
by steve roy
Mon Jun 06, 2022 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Your Estate Plan - what can go wrong?
Replies: 18
Views: 2881

Re: Your Estate Plan - what can go wrong?

We had a trust and will drawn up a few years ago; they’re humming right along. I’m currently the executor of my late mother’s trust, and there have been no major problems.

I don’t anticipate problems with DW’s and my trust, but if there are problems after our deaths, we fully intend not to trouble ourselves about it.
by steve roy
Mon Jun 06, 2022 3:12 pm
Forum: Investing - Theory, News & General
Topic: Bonds: What Are They Doing? Are They Doing Things?? Let's Find Out!
Replies: 2297
Views: 256266

Re: Bonds: What Are They Doing? Are They Doing Things?? Let's Find Out!

Doc wrote: Sat May 07, 2022 11:28 am
vineviz wrote: Sat May 07, 2022 10:12 am
Seasonal wrote: Sat May 07, 2022 9:32 am Shouldn't bonds be more attractive now with higher real and nominal rates than they were when rates were lower?
I wish that more people could see it this way.
Why do we care? When did Bogleheads become performance chasers?

:?: Boglehead mantra: "Stay the course and rebalance."
Over a year ago, We had a big slug of new money and put most of it into Vanguard’s Short Term TIPS etf. It’s worked well. (Capital preservation is our game.)
by steve roy
Mon May 30, 2022 11:02 pm
Forum: Personal Consumer Issues
Topic: How far or how long walking per day age 70
Replies: 104
Views: 13475

Re: How far or how long walking per day age 70

73. The routine is 2-4 miles of dog walking daily, then interval training on stationary bike nightly.

Some days are more strenuous than others. When pooches are off with their other owner, walks are longer and brisker. Been exercising regularly since 18, but gave up running at 33.
by steve roy
Mon Apr 25, 2022 10:06 pm
Forum: Investing - Theory, News & General
Topic: Wall Street versus Jack Bogle
Replies: 27
Views: 3779

Re: Wall Street versus Jack Bogle

He wasn’t intent on raking in billions, though he could have. He was more focused on serving the needs of small investors.

Mr. Bogle is one of the few (only?) Wall Street investment chiefs who was. All the other big players today, Schwab, Fidelity and the rest, play the low cost game because Jack Bogle via Vanguard FORCED them to. Not because they WANTED to.

Mr. Bogle wanted to.
by steve roy
Thu Mar 24, 2022 1:17 pm
Forum: Investing - Theory, News & General
Topic: With the advances in data analytics technology, are there now tools that can accurately predict market trends?
Replies: 40
Views: 4404

Re: With the advances in data analytics technology, are there now tools that can accurately predict market trends?

One of my closest friends, a professor in economics, told me long ago: “NOBODY can predict with certainty what 331 million people will do with their money on any given day.” Hmmm... If we are talking GDP, then indeed we have a pretty good idea-- and your friend would know this. The amount people spend on housing, or food, for example, does change over time but it's not hugely volatile. Even gasoline hovers around 4% of average US household budget - when the price goes up, people do drive less (but their spending still goes up, gasoline is short term quite price inelastic). If we are talking markets, then no. The actual number of active decision makers investing markets in the world is probably not 1 million people. Most people have some fo...
by steve roy
Wed Mar 23, 2022 12:57 pm
Forum: Investing - Theory, News & General
Topic: With the advances in data analytics technology, are there now tools that can accurately predict market trends?
Replies: 40
Views: 4404

Re: With the advances in data analytics technology, are there now tools that can accurately predict market trends?

One of my closest friends, a professor in economics, told me long ago:

“NOBODY can predict with certainty what 331 million people will do with their money on any given day.”
by steve roy
Thu Mar 17, 2022 2:59 pm
Forum: Personal Investments
Topic: Current world events and investment strategy...
Replies: 35
Views: 2979

Re: Current world events and investment strategy...

Stuff is ALWAYS happening.

At my advanced age, I have trained myself to say “Oh well” to all the stuff.

And remember: if the worst happens, you’ll be nuclear ash and beyond caring.
by steve roy
Wed Mar 16, 2022 10:49 am
Forum: Investing - Theory, News & General
Topic: "You don't lose money until you sell"
Replies: 564
Views: 43342

Re: "You don't lose money until you sell"

I always liked the TV car dealer's pitch:

"Friends, we lose money on every deal, but we make up for it in volume."
by steve roy
Tue Mar 08, 2022 4:37 pm
Forum: Personal Investments
Topic: [Market dropping - should I rebalance?]
Replies: 23
Views: 3180

Re: [Market dropping - should I rebalance?]

We're retired, have an asset allocation of 30/70 and have watched it drop to 25/75.

The move we've made in the last month is to have our large dollop of Total Stock Market Index shift from putting dividends in the Federal Money Market fund to purchasing more Total Stock Market shares.

Other than that, not changing a thing.
by steve roy
Wed Mar 02, 2022 9:37 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 561
Views: 16745

Re: Hobbies for Boglehead Types?

Walking dogs for great distances. Traveling. Posting on websites.
by steve roy
Sat Jan 29, 2022 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652370

Re: U.S. stocks in free fall

dwickenh wrote: Fri Jan 28, 2022 8:06 am
lostdog wrote: Fri Jan 28, 2022 7:08 am It's fun watching bogleheads lose their minds with dry powder, market timing, going all in at a certain number, market predictions, the end of the world, 50% drop that will last 10 years or more, etc...

Still waiting to hit the 5% rebalancing band.

:beer 🍺
+1, I'm waiting too but getting very close now.
Beware experts and Top Dogs saying "This time it's diferent."
by steve roy
Thu Jan 27, 2022 10:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652370

Re: U.S. stocks in free fall

For the last year we’ve been putting dividends from equity funds into our Money Market fund. Now, however, we have started reinvesting dividends into the equity funds.

Seemed like the right thing to do.
by steve roy
Thu Jan 13, 2022 8:03 am
Forum: Investing - Theory, News & General
Topic: Hi! I'm high inflation. Nice to meet you.
Replies: 980
Views: 110489

Re: Hi! I'm high inflation. Nice to meet you.

Current inflation is similar to the inflation at the end of WWII, for much the same reasons. Fed says it’ll abate next summer. I think it’ll be somewhat longer than that. (Everybody’s got an opinion; somebody’s bound to be right.)
by steve roy
Thu Jan 13, 2022 7:55 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066590

Re: What Movie Have You Recently Watched?

Elsebet wrote: Thu Jan 06, 2022 4:14 pm Don't Look Up on Netflix streaming. It's a bit over the top in the first half, but I feel like it calms down a bit at the halfway point and gets kind of warm/nostalgic. The end is funny and fitting, don't stop too early (keep watching the colorful credits) or you'll miss it. Overall not perfect but I enjoyed it. Definitely speaks volumes about the present times.
I found it to be a shaggy first cousin of “Dr. Strangelove”. Could have had a wee bit of editing, but an enjoyable ride.
by steve roy
Wed Jan 12, 2022 7:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2120531

Re: U.S. stocks continue to soar!

peskypesky wrote: Wed Jan 12, 2022 4:10 pm
drk wrote: Wed Jan 12, 2022 3:44 pm It makes sense when you realize that the "terrible" inflation has been great for corporate profits.
Yes! We can have high inflation, high corporate profits, increasing interest rates, QE tapering and cake! Turns out...we can actually have it all.
Is America a great country or what?
by steve roy
Wed Jan 12, 2022 7:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2120531

Re: U.S. stocks continue to soar!

peskypesky wrote: Wed Jan 12, 2022 4:10 pm
drk wrote: Wed Jan 12, 2022 3:44 pm It makes sense when you realize that the "terrible" inflation has been great for corporate profits.
Yes! We can have high inflation, high corporate profits, increasing interest rates, QE tapering and cake! Turns out...we can actually have it all.
Is America a great country or what?
by steve roy
Wed Jan 12, 2022 3:40 pm
Forum: Investing - Theory, News & General
Topic: If retired, what's your allocation to fixed income?
Replies: 119
Views: 14090

Re: If retired, what's your allocation to fixed income?

We’ve been retired four years, with an okay but not great pension, SS, and the usual retirement accounts.

Our asset allocation is 28/72% w slight weighting to value and small cap, a BIG slug of the retirement accounts in Wellesley, and (over the past year) a big part of our bond allocation in Vanguard’s Short Term TIPS etf.

Portfolio cost is 7 basis points and it’s designed for cash preservation. So far, so good.
by steve roy
Wed Jan 12, 2022 3:39 pm
Forum: Investing - Theory, News & General
Topic: If retired, what's your allocation to fixed income?
Replies: 119
Views: 14090

Re: If retired, what's your allocation to fixed income?

We’ve been retired four years, with an okay but not great pension. SS, and the usual retirement accounts.

Our asset allocation is 28/72% w slight weighting to value and small cap, a BIG slug of the retirement accounts in Wellesley, and (over the past year) a big part of our bond allocation in Vanguard’s Short Term TIPS etf.

Portfolio cost is 7 basis points and it’s designed for cash preservation. So far, so good.
by steve roy
Wed Jan 05, 2022 12:25 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 1587
Views: 210414

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Them that lives by the cheeky header, dies by the cheeky header.

My reaction was that he was trolling for comments … and got them.
by steve roy
Fri Dec 24, 2021 6:36 pm
Forum: US Chapters
Topic: My Christmas Present For You
Replies: 85
Views: 9868

Re: My Christmas Present For You

Thanks for enduring the cold and attacks and fear those 77 years ago. I’m grateful.
by steve roy
Wed Dec 08, 2021 11:47 am
Forum: Investing - Theory, News & General
Topic: Does the prevalence of "deals" make inflation hard to measure?
Replies: 21
Views: 1792

Re: Does the prevalence of "deals" make inflation hard to measure?

The inflation rate for individuals, methinks, varies widely.

Example #1: We reduced our mortgage payments substantially just before the pandemic. We now pay hundreds less per month.

Example #2: Our car lease was up just as used car prices topped out, and we bought it at the earlier agreed upon buyback price and immediately flipped it, making a 34% profit.

Lucky timing, but there you are. Supply chain snarls worked in our favor.

And with rising prices (gas and otherwise), individuals often switch to higher mileage cars, turn the thermostat down, eat more chicken and less sirloin, dine out less often, etc.
by steve roy
Sat Nov 27, 2021 10:07 pm
Forum: Personal Investments
Topic: How are People Mitigating Sequence of Return Risks?
Replies: 187
Views: 16670

Re: How are People Mitigating Sequence of Return Risks?

26% stocks/74% bonds (weighted to short term TIPs.)

Taking RMDs, pension and SS.

Easy peasy.
by steve roy
Wed Nov 24, 2021 1:19 pm
Forum: Investing - Theory, News & General
Topic: Ritholtz argues inflation will be mostly transitory
Replies: 87
Views: 8256

Re: Ritholtz argues inflation will be mostly transitory

mikejuss wrote: Tue Nov 23, 2021 6:56 pm
nedsaid wrote: Tue Nov 23, 2021 4:32 pmIf Barry says inflation is transitory, run for the hills. :wink:
Is Barry not well-liked among the Bogleheads?
Me, I like Barry just fine. Good humored, and I find him more right than wrong most of the time.
by steve roy
Wed Nov 24, 2021 1:18 pm
Forum: Investing - Theory, News & General
Topic: Ritholtz argues inflation will be mostly transitory
Replies: 87
Views: 8256

Re: Ritholtz argues inflation will be mostly transitory

mikejuss wrote: Tue Nov 23, 2021 6:56 pm
nedsaid wrote: Tue Nov 23, 2021 4:32 pmIf Barry says inflation is transitory, run for the hills. :wink:
Is Barry not well-liked among the Bogleheads?
Me, I like Barry just fine. Good humored, and I find him more right than wrong most of the time.
by steve roy
Wed Nov 24, 2021 1:18 pm
Forum: Investing - Theory, News & General
Topic: Ritholtz argues inflation will be mostly transitory
Replies: 87
Views: 8256

Re: Ritholtz argues inflation will be mostly transitory

mikejuss wrote: Tue Nov 23, 2021 6:56 pm
nedsaid wrote: Tue Nov 23, 2021 4:32 pmIf Barry says inflation is transitory, run for the hills. :wink:
Is Barry not well-liked among the Bogleheads?
Me, I like Barry just fine. Good humored, and I find him more right than wrong most of the time.