Search found 35 matches

by cazaubon
Tue Jan 20, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: IRA CD experiences or precautions?
Replies: 8
Views: 1640

Re: IRA CD experiences or precautions?

I have purchased CDs within my 401k at Fidelity. There was a delay on opening one of them of several weeks, for reasons that weren't entirely clear to me. I didn't even think to check if the rate was the same or if the rate was locked (newbie).
by cazaubon
Mon Jan 19, 2015 5:08 pm
Forum: Personal Investments
Topic: Bridge from ER to 59.5
Replies: 1
Views: 770

Bridge from ER to 59.5

I am thinking about setting up a CD ladder of funds with part of my IRA to get from early retirement at 50 to 62 with a 4% withdrawal (using a 72t SEPP from 50-59.5), at which point social security will pick up most of the slack and my withdrawal rate will go down to 2%. I am thinking that with the ...
by cazaubon
Wed Apr 17, 2013 2:17 pm
Forum: Investing - Theory, News & General
Topic: How to Determine Your True Risk Tolerance...
Replies: 64
Views: 10451

Re: How to Determine Your True Risk Tolerance...

I have been investing since 1994 and have been through 2 crashes at 100% equity, buying all the way down. I cried and complained a lot to my dad about how my money was going down the toilet, but he talked me through it and at this point my portfolio is doing well. Having just turned 47, as my human ...
by cazaubon
Thu Apr 11, 2013 1:25 pm
Forum: Investing - Theory, News & General
Topic: Are you adding more risk (in order to get more return)?
Replies: 30
Views: 3195

Re: Are you adding more risk (in order to get more return)?

Can't add more risk (I am already 100% equities) but at 47, I am thinking about when I should start dialing back and adding bonds, and what type/how much. There are so many opinions voiced that I don't know what to do, so at the moment I am doing nothing. I am at about 3/5 of my number, and won't ge...
by cazaubon
Thu Feb 21, 2013 12:05 pm
Forum: Personal Investments
Topic: Breaking the "slice and dice" habit
Replies: 40
Views: 5295

Re: Breaking the "slice and dice" habit

Thank you for that reply, it answers my question very well. I am going to stick to treasuries since I have a lot of equity and want something that will counterbalance that in a crash.
by cazaubon
Wed Feb 20, 2013 2:51 pm
Forum: Personal Investments
Topic: Breaking the "slice and dice" habit
Replies: 40
Views: 5295

Re: Breaking the "slice and dice" habit

«What did well in 2007-08 is the Larry Swedroe approach of holding a lower percentage of riskier equities, and a lot of high quality bonds (not TBM). Under normal circumstances the fact that the equities are riskier gives a higher expected return, so the overall porfolio return is close to that of a...
by cazaubon
Fri Feb 15, 2013 7:44 pm
Forum: Non-US Investing
Topic: Why can US citizen expats not invest w/Vanguard?
Replies: 72
Views: 54360

Re: Why can US citizen expats not invest w/Vanguard?

I am surprised that since Vanguard is now doing business in Canada that they still won't allow US Vanguard customers who are Canadian residents to manage their accounts remotely. Is it any more expensive to hold Vanguard funds in Fidelity? My current 401K is with Fidelity and I assumed I would roll ...
by cazaubon
Thu Nov 08, 2012 5:28 pm
Forum: Investing - Theory, News & General
Topic: The Flight Path Approach to Age-Based Asset Allocation
Replies: 74
Views: 10091

Re: The Flight Path Approach to Age-Based Asset Allocation

I like the article and the concept, although I think a mentor is very important. In my case, I started investing around 1995. My dad has always been 100% equities so I followed his advice and did the same. When the 2000-2002 crash came, I was on the phone crying to him every week, watching my money ...
by cazaubon
Wed Oct 10, 2012 5:42 pm
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 37
Views: 4497

Re: Age in Bonds?

Accumulation Phase
Younger: 80/20
Older: 70/30

Distribution Phase
Younger: 60/40
Older: 50/50

-----------------------

So, would 47 be considered older or younger for the accumulation phase? I guess I could cut the pear in half and go with 25% bonds...
by cazaubon
Wed Oct 10, 2012 5:31 pm
Forum: Personal Investments
Topic: To those that have bought a house..Are you happy?
Replies: 142
Views: 13698

Re: To those that have bought a house..Are you happy?

I own a condo and am happy with it. Being my first home purchase, it was a bit of a shock at how fast the property taxes and condo HOA fees went up and one particularly painful special assessment only 2 years in, but the location is utterly perfect and the property is well-maintained and most import...
by cazaubon
Wed Sep 26, 2012 3:57 pm
Forum: Investing - Theory, News & General
Topic: "An Efficient Frontier for Retirement Income"
Replies: 75
Views: 12573

Re: "An Efficient Frontier for Retirement Income"

Sure, but I don't know that there is any solution to a possible Japan situation? If the US market fell 40% and stayed there for 20+ years, I don't know that any stock/bond position would be successful...
by cazaubon
Wed Sep 26, 2012 3:33 pm
Forum: Investing - Theory, News & General
Topic: "An Efficient Frontier for Retirement Income"
Replies: 75
Views: 12573

Re: "An Efficient Frontier for Retirement Income"

This whole idea about increasing stocks once one is past the initial «danger zone» close to the retirement date is fascinating. I am specifically wondering about a strategy such as using 100% stocks during most of the accumulation phase, then 5 years before projected retirement date lowering to 60% ...
by cazaubon
Thu Sep 06, 2012 6:37 pm
Forum: Investing - Theory, News & General
Topic: Bernstein article on CNN
Replies: 64
Views: 7325

Re: Bernstein article on CNN

My parents have been retired for 16 years. They retired with $425,000 in their portfolio. Dad says they have already withdrawn more than they ever put in, and the portfolio currently stands at @ $800,000. No idea if this will be possible in the future, but it is quite an appealing prospect. --------...
by cazaubon
Thu Sep 06, 2012 5:12 pm
Forum: Investing - Theory, News & General
Topic: Bernstein article on CNN
Replies: 64
Views: 7325

Re: Bernstein article on CNN

«The other question I have (pretty sure this has been asked before) is of those who are retired on this forum and have been in retirement during the last 15 years, how many of you have seen their portfolio value diminish to less than 75% of what you started with? There seems to be great concern that...
by cazaubon
Wed Sep 05, 2012 12:12 pm
Forum: Personal Investments
Topic: Need help deciding on bond allocation
Replies: 7
Views: 909

Re: Need help deciding on bond allocation

Thank you for all the thoughtful responses - my original suggestion to him was 50/50, so I see I was close to the right answer. Will have some more conversations with him and see where it goes. He will be having a call with a Vanguard person on Thursday to do his 401K to IRA rollover and I will be i...
by cazaubon
Tue Sep 04, 2012 6:22 pm
Forum: Personal Investments
Topic: Need help deciding on bond allocation
Replies: 7
Views: 909

Need help deciding on bond allocation

My partner, who is 60.5 and just retired 2 weeks ago, is having difficulty deciding on whether or not to invest in bonds. I read Mike Piper's (Oblivious Investor) article today about whether 100% equities is safe for a retirement portfolio (http://www.obliviousinvestor.com/) and attempted to discuss...
by cazaubon
Fri Jun 15, 2012 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of real life emergencies have used up your EF?
Replies: 20
Views: 2290

Re: What kind of real life emergencies have used up your EF?

I used my emergency fund when I had 3 special assessments in one year for my condo, totalling over $16,000. My Efund is currently 25K.
by cazaubon
Fri Jun 08, 2012 1:26 pm
Forum: Personal Investments
Topic: Approximating VTSMX question
Replies: 11
Views: 1286

Re: Approximating VTSMX question

Thanks for the precisions, YDNAL. I think I will keep a percentage of all 3 funds, in an effort to make it more diversified and cover more bases.
by cazaubon
Fri Jun 08, 2012 12:37 pm
Forum: Personal Investments
Topic: Approximating VTSMX question
Replies: 11
Views: 1286

Re: Approximating VTSMX question

Thanks empb... the fees are pretty low on all of them (VIIIX is 0.02, VMCIX is 0.08, VEXRX is 0.34). I'll ponder all this info and make a decision next week.
by cazaubon
Fri Jun 08, 2012 11:05 am
Forum: Personal Investments
Topic: Approximating VTSMX question
Replies: 11
Views: 1286

Re: Approximating VTSMX question

Thank you pkcrafter and YDNAL for the information I was looking for.

I did use the Morningstar x-ray tool to look at the funds I have available in my 401K, but could not figure out how to turn that into a particular percentage of each fund to get close to what VTSMX offers.
by cazaubon
Thu Jun 07, 2012 6:29 pm
Forum: Personal Investments
Topic: Approximating VTSMX question
Replies: 11
Views: 1286

Re: Approximating VTSMX question

Theoretically I could hold another fund in an IRA, but I only have enough $$ available to max out my 401K at $17K per year and since my company matches a percentage of the whole $17K, I haven't been funding an IRA, preferring to get all the match. Given that situation, what do you recommend?
by cazaubon
Thu Jun 07, 2012 6:12 pm
Forum: Personal Investments
Topic: Approximating VTSMX question
Replies: 11
Views: 1286

Approximating VTSMX question

So I read in the wiki how to approximate VTSMX like this: 81% Vanguard 500 Index Fund (VFINX) (0.15%) 6% Vanguard Mid-Cap Index Fund (VIMSX) (0.21%) 13% Vanguard Small-Cap Index Fund (NAESX) (0.22%) The funds I have available to me are: VIIIX Institutional Index Fund VMCIX Mid cap index fund VEXRX S...
by cazaubon
Thu Apr 12, 2012 5:52 pm
Forum: Personal Investments
Topic: Need some clarification on Emergency Funds
Replies: 24
Views: 1949

Re: Need some clarification on Emergency Funds

I agree with the poster above about house expenses... in the first 3 years of ownership of my condo I had multiple unexpected special assessments, property tax and HOA fee increases, and dead appliances. As a result, I decided I needed to double my emergency fund from 25K to 50k. Regarding the poste...
by cazaubon
Wed Mar 28, 2012 4:05 pm
Forum: Personal Investments
Topic: Importance of costs vs allocations?
Replies: 13
Views: 1413

Re: Importance of costs vs allocations?

Thank you to all who responded, it was very enlightening and helpful. In the interest of simplicity, I am planning to go with VIIIX & VMCIX for the domestic portions, RERGX for the intl portion and PTTRX for the bond portion.
by cazaubon
Tue Mar 27, 2012 5:48 pm
Forum: Personal Investments
Topic: Importance of costs vs allocations?
Replies: 13
Views: 1413

Re: Importance of costs vs allocations?

I have an IRA with a tiny amount of Vanguard MidCap Index in it... haven't used it for years as I am putting everyting into the 401K. I think I could put $5k a year into an IRA... what would you suggest for that?
by cazaubon
Tue Mar 27, 2012 5:32 pm
Forum: Personal Investments
Topic: Importance of costs vs allocations?
Replies: 13
Views: 1413

Re: Importance of costs vs allocations?

Ideally, I would like to have 20% VG total bond mkt, 30% VG total intl stock mkt, and 50% VG total US stock market.

I am not sure what my best approach would be to approximate this, given the choices I have. Any suggestions?
by cazaubon
Tue Mar 27, 2012 5:25 pm
Forum: Personal Investments
Topic: Importance of costs vs allocations?
Replies: 13
Views: 1413

Importance of costs vs allocations?

I have been reading a few blog posts that emphasize how critical expense ratios are over asset allocations. I am wondering how far I should take this. For example, I have in my 401K an assortment of 4 large cap funds, 2 mid-cap funds, 2 small cap funds, 3 international funds, and 2 bond funds. Large...
by cazaubon
Thu Feb 09, 2012 6:56 pm
Forum: Personal Investments
Topic: Buffett disses bonds
Replies: 21
Views: 3164

Buffett disses bonds

Just read this in the Financial Post: Warren Buffett, the billionaire chairman of Berkshire Hathaway Inc., said low interest rates and inflation should dissuade investors from buying bonds and other holdings tied to currencies. “They are among the most dangerous of assets,” Mr. Buffett said in an ad...
by cazaubon
Fri Aug 05, 2011 5:04 pm
Forum: Personal Investments
Topic: i am 100% equities
Replies: 49
Views: 5921

I'm in 100% equities right now too. At 45, I am just starting to think about adding some bonds to my portfolio to gradually reduce volatility, but still get gains, since the total has now hit $350K. I plan to start with 5% and ease my way up from there.
by cazaubon
Fri Aug 05, 2011 4:01 pm
Forum: Personal Investments
Topic: Can't stay the course
Replies: 94
Views: 15465

I can relate to your anxiety - when I was 34, the 2000 tech crash hit. My portfolio dropped like a rock. I kept pouring money in and the balance kept going down, for two long years. I was crying to my dad how I was wasting my time and hard work, all my money was going down the toilet. He pointed out...
by cazaubon
Tue Apr 19, 2011 5:28 pm
Forum: Personal Investments
Topic: Question for those in retirement
Replies: 37
Views: 6070

TF Hutch, my dad is 73 and is 100% in equities. His pension and SS more than cover his expenses and he thinks bonds stink. He encourages me to do the same, but I have no pension, so I am leery.
by cazaubon
Fri Mar 11, 2011 4:55 pm
Forum: Personal Investments
Topic: FGOVX vs PTTRX for 401K
Replies: 5
Views: 1225

Thanks for your replies - I am thinking about going with 10% Pimco and 15% Fidelity govt income to cover my bases, since I'd like some treasuries in there too.
by cazaubon
Fri Mar 11, 2011 12:57 pm
Forum: Personal Investments
Topic: FGOVX vs PTTRX for 401K
Replies: 5
Views: 1225

FGOVX vs PTTRX for 401K

I only have two bond funds available in my 401K, FGOVX Fidelity Government Income (ER 0.45) and PTTRX Pimco Total Return Institutional (ER 0.47).

Which fund would you favor for the bond portion of my portfolio? Total portfolio is $300k and my allocation is 75/25 stocks/bonds.
by cazaubon
Mon Feb 28, 2011 5:36 pm
Forum: Personal Investments
Topic: Newbie requests comments on portfolio asset allocation
Replies: 5
Views: 1230

Hello again - thank you to all who commented, I was away with a personal emergency, but have now updated the Expense Ratios as requested.

I look forward to hearing any further comments about how best to organize my portolio within my 401K options. Thank you!
by cazaubon
Wed Feb 09, 2011 5:47 pm
Forum: Personal Investments
Topic: Newbie requests comments on portfolio asset allocation
Replies: 5
Views: 1230

Newbie requests comments on portfolio asset allocation

Hi - another newbie here, would love to have your input on my situation: Emergency fund - 2 yrs living expenses in cash Debt - none, mortgage paid off Tax Status - single, no dependents Tax Rate - 25% federal, 10% CA Age: 45 Desired Asset Allocation: this is what I need help on, currently it is 100%...