Search found 39 matches

by brianrhull
Thu Feb 27, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 1
Views: 140

Rebalance Portfolio

I am retired and I can support my lifestyle with my pension and Social Security. I also have retirement savings and my desired asset allocation is 35% Total Stock Market and 65% Total Bond Market. I have become 5% out of balance 40% Equities 60% Bonds and am wondering if this is a good time to rebal...
by brianrhull
Thu Feb 08, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 7278

Re: What time do you go to work?

I used to leave for my commute to work (SF) at 5:15 am. I am now retired and wake up at 7. Much happier.
by brianrhull
Fri Feb 02, 2018 10:57 pm
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 54128

Re: Today was a Really Bad Day

39-37=76....personal best...it was a good day!
by brianrhull
Fri Feb 02, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loan to pay off Credit Cards
Replies: 10
Views: 1341

Re: Home Equity Loan to pay off Credit Cards

Thanks for all your help...much appreciated!
-Brian
by brianrhull
Sun Jan 28, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loan to pay off Credit Cards
Replies: 10
Views: 1341

Home Equity Loan to pay off Credit Cards

My daughter asked me the other day if she should pay off her Credit Cards ($8,000) by taking out a small HELC. They are living check to check but the prospects of future earnings looks positive. She will be transitioning from a substitute teacher to a full time teaching position in the next year or ...
by brianrhull
Wed Jan 25, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 3263

Re: A Special Vanguard Fund

Happy Birthday Taylor! Total Stock Market! Thanks for all your sound advice.
-Brian Hull
by brianrhull
Thu Dec 22, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3164
Views: 1971686

Re: The Three-Fund Portfolio

Taylor: Thanks again! Happy Holidays!
-Brian
by brianrhull
Wed Dec 21, 2016 1:42 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3164
Views: 1971686

Re: The Three-Fund Portfolio

Mr. Larimore, I am considering the three fund portfolio and am wondering why you have chosen VTIAX as your international fund. It appears that VWIGX has outperformed VTIAX over time. I am thinking management risk is one reason. I currently have DODFX as my International exposure. I would appreciate ...
by brianrhull
Sun Jan 17, 2016 4:42 pm
Forum: Personal Investments
Topic: Withdrawing Dividends
Replies: 3
Views: 694

Re: Withdrawing Dividends

Thank you both for your advice.
by brianrhull
Fri Jan 15, 2016 12:05 pm
Forum: Personal Investments
Topic: Withdrawing Dividends
Replies: 3
Views: 694

Withdrawing Dividends

I am recently retired and I am thinking of moving my dividends into my Prime Money Market account when they occur as a form of cash flow. Is this the right thing to do given the current market downturn. Would it be better to sell some of my bonds and let my dividends purchase equity shares at the lo...
by brianrhull
Fri Oct 23, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 32221

Re: Where to retire in Florida?

My wife is from St.Pete...nice downtown...Rays baseball....great beach at Pass' a' Grille...University of South Florida has revitalized the Downtown area... We love Sanibel..Captiva this is were we would move to if we lived there full-time. We were on Captiva Island last year and saw no effects of t...
by brianrhull
Mon Jul 07, 2014 11:05 pm
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 48
Views: 9583

Re: Dodge & Cox - Global Bond Fund on the way

I have an IRA with Dodge & Cox and am very happy with the performance. My investments are split between Vanguard and Dodge & Cox. 25% Vanguard Total Stock Market (VTSAX) 20% Vanguard Total Bond Market. (VBTLX) 15% Vanguard Wellesley (VWINX) 15% Vanguard Short Term TIPS (VTAPX) 15% Dodge &...
by brianrhull
Wed Mar 26, 2014 11:38 am
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 17565

Re: Poll: When did you retire? Would you do it all over agai

Last November after 29 years with the same company my position was terminated. They were nice enough to give me a 6 month severance package which has given me time to think things over. I have 35 years in my profession and receive a modest pension. We have saved diligently for the last ten years and...
by brianrhull
Wed Mar 26, 2014 10:49 am
Forum: Investing - Theory, News & General
Topic: Retirement Calculators
Replies: 4
Views: 1328

Re: Retirement Calculators

Swampy...thanks for your comments. I also fudge the numbers in order to create the worse case scenario.
-Brian
by brianrhull
Tue Mar 25, 2014 11:33 pm
Forum: Investing - Theory, News & General
Topic: Retirement Calculators
Replies: 4
Views: 1328

Retirement Calculators

How accurate are "Retirement Calculators"? Particularly....MSN Money ...http://money.msn.com/retirement/retirem ... lator.aspx
-Brian
by brianrhull
Thu Mar 06, 2014 11:44 pm
Forum: Investing - Theory, News & General
Topic: Diversify Fund Families
Replies: 32
Views: 2033

Re: Diversify Fund Families

Clever_Username wrote:I'm not particularly worried, but if you are, there are ways to diversify within fund families.

I'd suggest reading http://www.bogleheads.org/wiki/Vanguard_safety -- I'm a perpetual worrier about many things, and this set me at ease on the topic.

Thanks for the informative article.
-Brian
by brianrhull
Thu Mar 06, 2014 11:10 pm
Forum: Investing - Theory, News & General
Topic: Diversify Fund Families
Replies: 32
Views: 2033

Diversify Fund Families

Is anyone concerned with having all of there assets with one Fund Family....namely Vanguard?
by brianrhull
Wed Feb 26, 2014 7:06 pm
Forum: Personal Investments
Topic: Six Fund Portfolio
Replies: 21
Views: 3202

Re: Six Fund Portfolio

Thanks for all your help!
-Brian
by brianrhull
Wed Feb 26, 2014 5:57 pm
Forum: Personal Investments
Topic: Six Fund Portfolio
Replies: 21
Views: 3202

Re: Six Fund Portfolio

Have you considered rolling your 401(k) over to an IRA? (Just out of curiosity.) That would give you complete control over your investment options. In a few weeks I will roll it over.....I am waiting for the "Matching Funds" from my former employee to be deposited. It should occur in earl...
by brianrhull
Wed Feb 26, 2014 2:44 pm
Forum: Personal Investments
Topic: Six Fund Portfolio
Replies: 21
Views: 3202

Re: Six Fund Portfolio

What you have is fine, although, I would simplify to this: STOCKS 30% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 10% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) BONDS 45% Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) 15% Vanguard Short-Term...
by brianrhull
Tue Feb 25, 2014 6:44 pm
Forum: Personal Investments
Topic: Six Fund Portfolio
Replies: 21
Views: 3202

Re: Six Fund Portfolio

Thanks for all of the good points everyone has brought up. I would be using the Admiral Shares when applicable. All of my money is in tax deferred accounts and yes I realize it does "Tilt" towards Value but I think it will be okay. Also...I would probably use the Short Term TIPS until inte...
by brianrhull
Tue Feb 25, 2014 11:48 am
Forum: Personal Investments
Topic: Six Fund Portfolio
Replies: 21
Views: 3202

Six Fund Portfolio

Six Fund Portfolio STOCKS 20% Vanguard Total Stock Market (VTSMX) 10% Vanguard Wellesley (stocks) (VWINX) 5% Vanguard Total International (VGTSX)    5% Vanguard REITS (VGSLX) BONDS 30% Vanguard Total Bond Market (VBMFX) 15% Vanguard TIPS (VAIPX) 15% Vanguard Wellesley (bonds) (VWINX) I am semi retir...
by brianrhull
Mon Feb 24, 2014 11:02 pm
Forum: Personal Investments
Topic: Bonds in my Roth
Replies: 7
Views: 1098

Re: Bonds in my Roth

There are two approaches to portfolio management. They are 1) Equal Location and 2) Asset Location. Equal location is essentially the same funds in each account. Asset location is placing certain funds in certain accounts. We follow the equal location approach as recommended by Rick Ferri and his f...
by brianrhull
Sun Feb 23, 2014 5:29 pm
Forum: Personal Investments
Topic: Bonds in my Roth
Replies: 7
Views: 1098

Re: Bonds in my Roth

Thanks for your help. I am learning every day.
-Brian
by brianrhull
Sun Feb 23, 2014 2:45 pm
Forum: Personal Investments
Topic: Bonds in my Roth
Replies: 7
Views: 1098

Bonds in my Roth

My wife and I each have a Roth IRA and I have a 401K. We currently have 100% of our Roth's invested in Bonds but I am thinking that I should have more Stocks in my Roth because they have the potential of greater returns and once we start drawing down our retirement savings I potentially will have mo...
by brianrhull
Wed Feb 05, 2014 2:58 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Re: Rebalance Portfolio

Taylor,

Thank you! I appreciate all of your help.

-Brian
by brianrhull
Tue Feb 04, 2014 9:59 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Re: Rebalance Portfolio

I am 48% Stocks 52% Bonds and would like to be 40% Stocks and 60% Bonds. Would this be a good time to rebalance my portfolio or wait for the Equity market to recover? I'm wondering why you want to do this now...5 weeks ago you were even further from your desired AA. Why didn't you rebalance then? f...
by brianrhull
Tue Feb 04, 2014 9:39 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Re: Rebalancing

Brian: I hope you like our book. Skip to Chapter 17 in your Bogleheads Guide to Investing , especially page 204, "When Should I Rebalance?" If that Chapter doesn't answer your questions, come back. I'll be watching. Best wishes. Taylor Taylor, I skipped ahead to Chapter 17 as you recommen...
by brianrhull
Tue Feb 04, 2014 10:58 am
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Re: Rebalance Portfolio

I am 48% Stocks 52% Bonds and would like to be 40% Stocks and 60% Bonds. Would this be a good time to rebalance my portfolio or wait for the Equity market to recover? Brian: Decide the percentages you will allow your funds to deviate from your asset-allocation plan. 5% to 10% are trigger points oft...
by brianrhull
Mon Feb 03, 2014 11:34 pm
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 9293

Re: Sleeping With Bonds!!!!!

Landy: well, this has been a very Kafkian discussion. Have a good night! Brian: you consult the same oracle that told you to shorten :) If I were into this game, and to a degree I have been with CDs, but those live outside the market so there are sometimes legitimately good deals to be had, I would...
by brianrhull
Mon Feb 03, 2014 11:03 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Re: Rebalance Portfolio

joe8d wrote:If the stock market continues it's downward trend,It may rebalance on it's own.
My thoughts exactly!
- Brian
by brianrhull
Mon Feb 03, 2014 11:01 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Re: Rebalance Portfolio

Taylor, All of my portfolio is in tax deferred accounts. I have been a buy and hold investor for the last 20 odd years and it has served me well. I have never sold during the markets downturns and I hate to sell into weakness now. My situation is a little different now because I am semi retired at 5...
by brianrhull
Mon Feb 03, 2014 10:44 pm
Forum: Investing - Theory, News & General
Topic: Sleeping With Bonds!!!!!
Replies: 74
Views: 9293

Re: Sleeping With Bonds!!!!!

If one has shortened the duration of their Bond allocation! How do you know when to exchange them back into intermediates?
by brianrhull
Mon Feb 03, 2014 10:21 pm
Forum: Investing - Theory, News & General
Topic: Rebalance Portfolio
Replies: 12
Views: 1335

Rebalance Portfolio

I am 48% Stocks 52% Bonds and would like to be 40% Stocks and 60% Bonds. Would this be a good time to rebalance my portfolio or wait for the Equity market to recover?
by brianrhull
Thu Dec 19, 2013 6:13 pm
Forum: Personal Investments
Topic: Vanguard Total International Bond Index Fund VTABX
Replies: 13
Views: 4634

Re: Vanguard Total International Bond Index Fund VTABX

Thanks for the thoughtful advice.
-Brian
by brianrhull
Thu Dec 19, 2013 12:32 pm
Forum: Personal Investments
Topic: Vanguard Total International Bond Index Fund VTABX
Replies: 13
Views: 4634

Vanguard Total International Bond Index Fund VTABX

I am 58 years old and have a 60% Bond 40% Stock allocation and 10% of my Bond allocation is in VTABX. I am looking at this as a long term investment. Should I be concerned with the High Duration in this fund? Thanks.
by brianrhull
Tue Jul 10, 2012 4:18 pm
Forum: Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2683

Re: Asset Allocation

Thanks for all the sound advice. All of my investments are tax deferred so it will be relatively painless to consolidate them. I know that having 21 funds are way too many but because of my limited choices in my 401K I have kept adding funds in my Vanguard account in order to stay in line with the T...
by brianrhull
Tue Jul 10, 2012 7:39 am
Forum: Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2683

Re: Asset Allocation

Thanks for your reply. I am 57 and hope to semi retire at 62. I currently am maximizing my 401K as well as 2 Roth IRA'S. I have just under 500,000 in tax deferred accounts. My house is paid for and I have a small retirement coming from my current employee. My problem is that I have 21 funds and it i...
by brianrhull
Sun Jul 08, 2012 11:28 pm
Forum: Personal Investments
Topic: Asset Allocation
Replies: 33
Views: 2683

Asset Allocation

I am thinking of modeling David Swenson's suggested Portfolio: The portfolio consists of the following: 30% in Vanguard Total Stock Market Index (VTSMX) 20% in Vanguard REIT Index (VGSIX) 20% in Vanguard Total International Stock (VGTSX) or (15% in VGTSX and 5% in VEIEX) 15% in Vanguard Inflation Pr...