Search found 38 matches

by sox fan
Tue Dec 20, 2011 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Yield quotes for TIPS Fund VAIPX
Replies: 2
Views: 287

Re: Yield quotes for TIPS Fund VAIPX

Thanks dbr, that's what I was assuming to be the case. Your response was helpful
by sox fan
Tue Dec 20, 2011 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Yield quotes for TIPS Fund VAIPX
Replies: 2
Views: 287

Yield quotes for TIPS Fund VAIPX

I have a question about the yield for the tips fund as shown on the Vanguard web site. I have the admiral fund posted on my fund watch list. Today the yield for this fund is -.36%. The foot notes describe this yield as follows "E — BASED ON HOLDINGS' YIELD TO MATURITY FOR 30 DAYS AS OF END OF P...
by sox fan
Thu Jul 28, 2011 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Debt Ceiling crisis - am I overexposed?
Replies: 14
Views: 2939

How soon do you need to tap retirement funds?

No one knows what will happen if a debt agreement is not reached. You mention that you will retire in 10 months but don't state whether you will need to begin withdrawing from your retirement savings at that point in time. Your time frame for withdrawal is what you need to focus on not what may or m...
by sox fan
Thu Dec 10, 2009 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth in 2009?
Replies: 2
Views: 782

Depending on the size of the conversion and the amount of taxes you would have to pay, you may want to make the conversion in 2010. In 2010 you will have the option of paying the taxes in that year or spreading the income in two equal installmants into 2011 & 2012. Deferring would improve your c...
by sox fan
Tue Dec 01, 2009 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation protected bond question
Replies: 31
Views: 5332

I locked in an 18% return and closed out my TIP fund holding last week. I reinvested the amount in VG's Intermediate Treasury fund. Yield was better than the S.T. fund has less risk than the investment grade fund (I do have a position in this fund as well), and the additional duration wasn't much di...
by sox fan
Sat Nov 21, 2009 11:31 am
Forum: Investing - Theory, News & General
Topic: Early Retirement Planning Web Site
Replies: 8
Views: 8497

Early Retirement Planning Web Site

I've come across a web site called Early Retirement Planning Insights. The owner of this site is John Walter Russell. He also attributes some of the featues on the web site to Rob Bennett of Passion Saving.com. Just wondering about the quality and vailidity of the data on this site. Has anyone out t...
by sox fan
Sun Oct 04, 2009 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Timing and Estimated Taxes
Replies: 35
Views: 5148

I have a question relative to the comments about doing a December withdrawal from your IRA and having 100% of that withdrawal witheld. Are other withdrawals being made during the year with nothing witheld or just one withdrawal in December?
by sox fan
Tue Sep 29, 2009 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Convential Wisdom for a Roth Conversion
Replies: 9
Views: 2021

Thanks

Thanks for the input. As info I'm 62 and already retired, so the 10% penalty is not a factor. My wife and I may buy a second home (condo) this coming winter. I would use retirement income to pay for the condo. If I have to pay the taxes any way I might as well do the conversion. I was wondering whet...
by sox fan
Tue Sep 29, 2009 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Convential Wisdom for a Roth Conversion
Replies: 9
Views: 2021

Thanks

Thanks for the input. As info I'm 62 and already retired, so the 10% penalty is not a factor. My wife and I may buy a second home (condo) this coming winter. I would use retirement income to pay for the condo. If I have to pay the taxes any way I might as well do the conversion. I was wondering whet...
by sox fan
Mon Sep 28, 2009 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Convential Wisdom for a Roth Conversion
Replies: 9
Views: 2021

Convential Wisdom for a Roth Conversion

Everything I've read regarding converting an IRA to a ROTH IRA states the taxes should be paid with money outside of the IRA. The authors usually states if you have to use IRA money to pay the taxes it's probably not worth doing. I'm not sure I totally agree with this. With the income limits coming ...
by sox fan
Sat Feb 14, 2009 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Inflation from "Stimulus" package and VIPSX
Replies: 18
Views: 3495

TIPS

I agree that it is always good to be invested in TIPS. Now may be the time to increase your allocation. Nominal Treasuries have had a significant run up because of the mass flight to safety. Some say nominal Treasuries are the next bubble. TIPS have not seen this run up because of the fear of deflat...
by sox fan
Mon Oct 20, 2008 5:05 pm
Forum: Personal Consumer Issues
Topic: JACK BOGLE'S NEW BOOK GIVEAWAY
Replies: 163
Views: 31145

Please enter me in the drawing

Please enter me in the drawing. Thank you.

Jerry
by sox fan
Fri Oct 10, 2008 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Distractions
Replies: 0
Views: 567

Distractions

Hi Chip: I tried to get a conversation going about your plan yesterday. I haven't seen any activity on that topic since you posted the plan. I was hoping to generate some interesting discussion. The people that post here as a group are thoughtful and articulate. I think everyone has many distraction...
by sox fan
Thu Oct 09, 2008 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: The Plumb Plan
Replies: 4
Views: 1619

Thanks

Thanks to Chip for posting his plan. I think this plan has merit and is certainly better than what has been proposed in Washington I'm not saying this with any political point of view. It just seems more logical than the gov't buying in their words toxic debt from the firms that are holding it. Anyo...
by sox fan
Thu Oct 09, 2008 11:29 am
Forum: Investing - Help with Personal Investments
Topic: The Plumb Plan
Replies: 4
Views: 1619

The Plumb Plan

Some of you may read the periodic reports from Chip Plumb. He has come up with an alternative to the Paulson Plan. Has anyone read it and what do they think?

If someone can tell me how to link the PDF of this report I would be happy to supply that link.
by sox fan
Tue Apr 15, 2008 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Swedroe Bond Allocation Strategy
Replies: 4
Views: 2416

Thanks

Thanks Prokofiev you reinforced my thinking on this topic. I guess this strategy has somewhat of a market timing feel to it. If I sell the TIPS I will have some significant appreciation over my basis (in an IRA so taxes aren't an issue). The downside in following the strategy I should invest it in S...
by sox fan
Mon Apr 14, 2008 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Swedroe Bond Allocation Strategy
Replies: 4
Views: 2416

Swedroe Bond Allocation Strategy

The fixed income portion of my portfolio is a mix of two VG funds, Inflation Protected (VIPSX) and Short Term Treasuries (VFISX). I have been using Larry Swedroe’s allocation strategy as discussed in his book “The Only Guide to a Winning Bond Strategy”. To summarize, the mix between the two asset cl...
by sox fan
Fri Dec 28, 2007 2:14 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's Book
Replies: 2
Views: 1304

Larry Swedroe's Book

I believe that Larry is working on a new book which discusses some alternative (to equity) investments. Does anyone know when this book will be published?

Thanks.
by sox fan
Thu Dec 13, 2007 12:36 pm
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 3
Views: 1452

International Bonds

I've been trying to decide whether or not to move some of my fixed income asset allocation into International Bonds. Chip Plumb who some of you may be familiar with recommends T Rowe Price International Bond Fund (RPIBX) in his portfolio. Has anyone invested in this fund? If so your opinions would b...
by sox fan
Mon Dec 03, 2007 5:47 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel is Bullish
Replies: 19
Views: 6329

Hussman fund as a hedge

I've seen at least two sources recommend the Hussman Strategic Growth Fund as a hedge against a down equity market. Does anyone have this fund or similar funds in their portfolio? If so how do you feel about them?

Thanks

Jerry
by sox fan
Thu Sep 06, 2007 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum or dollar cost averaging right now??
Replies: 52
Views: 15000

What keeps you up at night?

I faced this same question a little over a year ago. Forget about which is appropriate from a future return perspective. The question to ask yourself is if I invest the lump sum and shortly thereafter the market goes down 10 to 20% will I be able to sleep at night? If the answer is yes, invest the l...
by sox fan
Mon Jul 23, 2007 12:19 pm
Forum: Investing - Theory, News & General
Topic: More assets in one spouse's name - bad thing?
Replies: 13
Views: 3758

How About a Roth IRA

Why not set up a Roth IRA for your wife? She should be contributing something to some sort of retirement plan. A Roth does not give you immediate tax savings but all income, dividends and capital gains that your money earns are tax free. I have encouraged two of my sons and a daughter in law who are...
by sox fan
Sat Jun 23, 2007 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to compare Treasury and CD rates?
Replies: 4
Views: 1694

Re: Treasuries; banks

jefmafnl wrote: Which site has independent ratings of the banks?

Joel


Bankrate.com gives you access to ratings for banks, s&l's and credit unions. It's an easy to use site. Good luck.

Jerry
by sox fan
Thu May 31, 2007 4:49 pm
Forum: Investing - Theory, News & General
Topic: Want discussion of SWR (Safe Withdrawal Rates)? C'mon IN!!!!
Replies: 57
Views: 28486

Thanks

Thanks Orthros, I'll take a look at Firecalc.

Jerry
by sox fan
Thu May 31, 2007 4:43 pm
Forum: Investing - Theory, News & General
Topic: Want discussion of SWR (Safe Withdrawal Rates)? C'mon IN!!!!
Replies: 57
Views: 28486

Variable Withdrawal Rates

I recently read of a variable withdrawal rate proposed by Bob Carlson of RetirementWatch.com. Bob says this method is patterned after the method used by the Yale Endowment fund. Here's what Bob proposes: First determine a target spending percentage of your portfolio (e.g. 4% or 5%). Next divide your...
by sox fan
Wed May 23, 2007 4:36 pm
Forum: Investing - Theory, News & General
Topic: Paul Farrell completes 10 years writing for Marketwatch
Replies: 4
Views: 2232

Where's Paul?

Simba:

I haven't been able to find Paul's column the last couple of weeks on MarketWatch. Has his article been put in another part of that site? I usually found it under the Mutual Fund segment of MarketWatch.

Thanks.

Jerry
by sox fan
Fri May 18, 2007 1:11 pm
Forum: Investing - Theory, News & General
Topic: Commodities in a portfolio
Replies: 35
Views: 12917

Thanks

Thanks for the info on other discussions, and Larry I will read your Appendix on commodities.

Jerry
by sox fan
Thu May 17, 2007 11:36 am
Forum: Investing - Theory, News & General
Topic: Commodities in a portfolio
Replies: 35
Views: 12917

Commodities in a portfolio

I was contemplating allocating some of my portfolio (5% or less) to commodities. I read an article in the Journal of Financial Planning titled, "The Passive Approach to Commodity Investing". The authors claim that commodities can improve the risk/return profile of a portfolio. They also me...
by sox fan
Wed May 16, 2007 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Why not a higher REIT asset allocation?
Replies: 54
Views: 22414

Swensen on Reits

Here is a partial quote regarding REITS from David Swenson's book "Unconvential Success". In terms of risk and return, real estate falls between higher-risk equity and lower-risk debt. .... With its inflation-sensitive nature, real estate provides powerful diversification to investor portf...
by sox fan
Thu Apr 05, 2007 11:43 am
Forum: Investing - Theory, News & General
Topic: David Swenswen Portfolio
Replies: 27
Views: 12793

Modified Swenson

Like some of the others I have a modified Swenson asset allocation. I think some people don't like or use his allocation because of the 20% allocation to REITS. Many people don't want to have such a large allocation in what they view as a sector fund.

Jerry
by sox fan
Wed Apr 04, 2007 11:46 am
Forum: Investing - Theory, News & General
Topic: Retirement Watch
Replies: 2
Views: 1724

Thanks

Bob:

Thanks for the info and link.

Jerry
by sox fan
Wed Apr 04, 2007 10:42 am
Forum: Investing - Theory, News & General
Topic: Retirement Watch
Replies: 2
Views: 1724

Retirement Watch

I've received a brochure hyping a newsletter called "Retirement Watch" authored by Bob Carlson. Does anyone receive this newsletter? If so how would you rate its usefulness?

Thanks.

Jerry
by sox fan
Sun Apr 01, 2007 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Form
Replies: 0
Views: 952

Rollover Form

Your wife needs to complete a Rollover IRA form that can be found on VG's web site. I rolled over my 401K from Fidelity to Vanguard last year. The VG rep was very helpful walking me through the steps.

Good luck.
by sox fan
Sun Apr 01, 2007 5:34 pm
Forum: Investing - Theory, News & General
Topic: 4/1 Jonathan Clements "Getting Going"
Replies: 3
Views: 2515

Typo last post

Meant to say that Clements provides wise advice not wis advice. Sorry.
by sox fan
Sun Apr 01, 2007 5:33 pm
Forum: Investing - Theory, News & General
Topic: 4/1 Jonathan Clements "Getting Going"
Replies: 3
Views: 2515

Thanks

Matt:

Thanks for the post. Clements always provided useful and wis advice.
by sox fan
Fri Mar 16, 2007 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Short term bonds. Treasury or Investment grade
Replies: 12
Views: 5398

ST Treasuries

Steve: I've invested in V.G. S.T. Treasury fund. Since I'm in retirement and thus drawing funds from my investments I felt this presented less risk. I believe the investment grade fund's risk isn't too high and if you are not in or near retirement would be a good option. With the current state of th...
by sox fan
Thu Mar 15, 2007 5:08 pm
Forum: Investing - Theory, News & General
Topic: Subprime and the Wall Street "wizards"...
Replies: 21
Views: 7822

Impact if any on interest rates

Maybe this a question for Larry but everyone can chime in. Will the sub prime market situation have any impact on interest rates? Defaults are growing in both the sub prime and prime markets. Any thoughts?

Jerry
by sox fan
Mon Feb 26, 2007 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal from MM
Replies: 3
Views: 2683

If the withdrawal is from a 401k or IRA and you are not 59.5 VG is required to withold 20% for FIT.