Search found 895 matches

by SpaceCowboy
Mon Jan 27, 2020 11:25 pm
Forum: Investing - Theory, News & General
Topic: The Demise of the 4 Percent Rule? -- Wade Pfau
Replies: 179
Views: 14173

Re: The Demise of the 4 Percent Rule? -- Wade Pfau

If we conclude that world wars “don’t count” then I wish we had the remaining data. We do instead have the 4% and 5% success rates in these countries, so that helps. If we cut out bad things, the remaining things look good. If we restrict ourselves to good times, things look even better. Obviously ...
by SpaceCowboy
Tue Jan 21, 2020 5:48 pm
Forum: Personal Investments
Topic: Please comment on my asset allocation
Replies: 77
Views: 3092

Re: Please comment on my asset allocation

We have term life insurance which pays 90% in life for a terminal diagnosis. Most health problems would not affect our earnings below the baseline. A stroke or some early dementia or something that affects our intelligence could really mess up everything (though money is not the most tragic part of...
by SpaceCowboy
Mon Jan 06, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Donating $1M
Replies: 66
Views: 8919

Re: Donating $1M

Hi All. Thank you for the kind words and support. I made my way through the reading, except the books. I bought those. I am thinking: Upping my giving to $2M You already have a multi-year effort to give $1M. I suggest you learn and reflect on the first million before doubling down. All anonymous (m...
by SpaceCowboy
Sat Jan 04, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 168
Views: 15545

Re: TIPS yield curve inverted at short end

#Cruncher you’re correct as usual. I grabbed the cost from an activity summary and not the actual trade confirmation.
by SpaceCowboy
Sat Jan 04, 2020 12:47 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 168
Views: 15545

Re: TIPS yield curve inverted at short end

When January 16, 2020 rolls around all that I will want to determine is: Was the break even inflation rate close to 0.8% or was it close to 2%? We don't need to wait until the TIPS matures on Jan 15, 2020 (or even until the November 2019 CPI is released in December 2019) to know the breakeven infla...
by SpaceCowboy
Sat Dec 21, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: short term investment
Replies: 24
Views: 2567

Re: short term investment

They are definitely riskier than a MMF or any bank product. But they are the highest paying demand money type investment that I know. I believe the bankruptcy risk is that of MB Financial Services USA, not the parent. I’ve now had an account for several years. Basically I put six months spending in ...
by SpaceCowboy
Wed Jul 31, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Goal-Basis Portfolio Construction
Replies: 9
Views: 722

Re: Goal-Basis Portfolio Construction

I think that’s called Goals Based Planning by the financial planning community. I think it makes sense to allocate portions of your portfolio and/or savings to different goals. For example, a certain amount for college for the kids, a bridge to social security at 70 and your overall retirement portf...
by SpaceCowboy
Thu Jul 04, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3775

Re: Does this car exist? Sexy convertible with a backseat

The Audi A5/S5 will fit the car seats in the back and is a great ride. I've really enjoyed it since getting one at the beginning of the year.
Has paddle shifters, but not available as a true manual.
by SpaceCowboy
Mon Jun 24, 2019 2:08 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 124119

Re: New Book: Living off Your Money (Michael McClung)

+1 I calculate my withdrawal numbers every year by both McClung's EM and longinvest's VPW methods. Find them to be pretty close and both guide what I end up actually withdrawing. Fortunately, Mr. Market has been kind since my retirement, and I haven't had to experience a lower annual withdrawal due...
by SpaceCowboy
Sat Jun 22, 2019 12:55 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 470
Views: 124119

Re: New Book: Living off Your Money (Michael McClung)

For those not willing to shell out $60, can you provide a synopsis? What unorthodox conclusions does he reach with his unique insights? Still expensive, but the book is half price on Amazon. No kindle version yet There is a PDF version of the book for $34.95 at http://livingoffyourmoney.com I own t...
by SpaceCowboy
Fri Jun 14, 2019 12:18 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 953
Views: 323940

Re: Variable Percentage Withdrawal (VPW)

Thanks @longinvest
Appreciate you including the PV calculation of both real and nominal pensions in the VPW calculation. I'd been doing this tweak manually for SS.
Appreciate all your efforts in building this useful tool and improving it.
by SpaceCowboy
Fri May 17, 2019 3:16 am
Forum: Personal Finance (Not Investing)
Topic: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?
Replies: 8
Views: 903

Re: Who’s as good as Schwab (Low brokerage fees + convenience of global ATMs)?

Just opened a Schwab bank account solely for the global fee free ATM withdrawals. Allows me to carry one ATM card and not worry about whether an ATM is in network in the States or additional fees overseas. Already had a Schwab brokerage account, as well as Fidelity and Vanguard. I just leave some ca...
by SpaceCowboy
Sat Mar 02, 2019 8:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2070
Views: 359891

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recently reached out to Fidelity promotions team to let them know I was looking at other brokerage bonuses to see if they would offer a retention bonus. They said no. Has anyone else been able to get a retention bonus from them recently? Fidelity recently told me that retention bonuses were limit...
by SpaceCowboy
Sat Jan 19, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: Sold Treasuries to buy flexible, rising rate, direct 3-year CD
Replies: 22
Views: 2592

Re: Sold Treasuries to buy flexible, rising rate, direct 3-year CD

This sounds like a good offer. It's too bad that like many CUs, they pulled it so fast. I understand that it's still available (maybe) until tomorrow in-branch, but I'm not rushing down to a branch in-person to find out if they maybe will still let me in. I'm sure another offer will come along that...
by SpaceCowboy
Mon Jan 07, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 24
Views: 4609

Re: Why Total Bond Market over CDs?

I’m a big fan of direct purchased CDs. Think the decision is easy. When the CD yield is higher than the SEC yield of Total Bond, CDs are favored as investments. They also give you the flexibility to trade up to a higher rate CD at a known cost, and thus its easily calculable whether or not to do the...
by SpaceCowboy
Fri Jan 04, 2019 5:50 pm
Forum: Personal Investments
Topic: 529 Withdrawals in Downturn
Replies: 6
Views: 682

Re: 529 Withdrawals in Downturn

I moved a significant chunk of both kids 529s to Colorado’s stable value plan several years ago. I think it’s the highest yielding of the 529 SVPs, but I could be wrong, This year it’s paying 2.49% Nonetheless, I still have a chunk of both of theirs in equities. Was at 30/70 for a long time. The old...
by SpaceCowboy
Fri Jan 04, 2019 11:48 am
Forum: Personal Investments
Topic: 529 Withdrawals in Downturn
Replies: 6
Views: 682

Re: 529 Withdrawals in Downturn

Bump for some help please..
by SpaceCowboy
Fri Jan 04, 2019 2:54 am
Forum: Personal Investments
Topic: 529 Withdrawals in Downturn
Replies: 6
Views: 682

529 Withdrawals in Downturn

I have to pay college bill for the kiddos. I’ve got approximately 3 semesters left of funds in one of their accounts. It’s 40/60 equity/fixed. With the recent downturn should I take the funds out of fixed, pro-rata or to bring back to my target AA in the account. The other account has 7+ semesters l...
by SpaceCowboy
Thu Dec 27, 2018 4:21 am
Forum: Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2894

Re: Withdrawal phase - Monthly vs Annually in Retirement?

I calculate the annual withdrawal amount in January using VPW and McClung’s method and decide on it. Then I take half in January and half in July and move it to a high yield account. Move monthly and as needed for big ticket items from high yield to checking. I also scrape the dividend and interest ...
by SpaceCowboy
Tue Dec 25, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 4135

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I'm trying to invest in the Suneast 3.5% 27 month CD at the moment. The 3% PenFed CDs were the first ones I bought for my portfolio.
by SpaceCowboy
Tue Dec 25, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Will Total US Bond Index fund have a positive return for 2018?
Replies: 13
Views: 2294

Re: Will Total US Bond Index fund have a positive return for 2018?

I'm liking my CD portfolio over Total Bond Market. It never declines in value or even breaks even. 100% predictable positive nominal returns. Thanks @KevinM and Deposit Accounts for helping me find all the specials over the years.
But I'll go on slightly negative for livesoft's bet
by SpaceCowboy
Sun Dec 23, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Employer asking me to move my brokerage account
Replies: 30
Views: 3573

Re: Employer asking me to move my brokerage account

Get to know your Compliance Officer. It’s a huge hassle for them to keep track of all the outside accounts. You need to provide duplicate statements, duplicate confirmations and ask for permission to open any account that you have control over. They don’t have to give you permission, it’s totally up...
by SpaceCowboy
Sun Dec 23, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1753
Views: 266121

Re: QSPIX - thoughts on interesting fund

I've kept my eyes on PACER WEALTHSHIELD ETF (https://www.paceretfs.com/products/pws) for the year so far and it's done OK: https://i.imgur.com/X5aodon.png Looks like it's moved to safety twice, in T-Bill mode since the end of October. Just what I want - a market timing ETF :oops: :oops: :oops:
by SpaceCowboy
Fri Dec 14, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1753
Views: 266121

Re: QSPIX - thoughts on interesting fund

What's most interesting to me about QSPIX is that it is uncorrelated to stocks and bonds, yet still has positive returns. I'm puzzled by why people think an investment with Beta = 0 should go up when the stock market goes down. An investment that goes in the opposite direction would have Beta = -1,...
by SpaceCowboy
Fri Dec 14, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1753
Views: 266121

Re: QSPIX - thoughts on interesting fund

What's most interesting to me about QSPIX is that it is uncorrelated to stocks and bonds, yet still has positive returns. I'm puzzled by why people think an investment with Beta = 0 should go up when the stock market goes down. An investment that goes in the opposite direction would have Beta = -1, ...
by SpaceCowboy
Thu Aug 16, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2023

Re: Freedom Credit Union 30 Month 3.56%APY CD

There was a nationwide loophole through the American Consumers Council.
They intended it to be for residents of a set number of states, and were overwhelmed by the nationwide response because it was so above market. Think it lasted about 10 days.
by SpaceCowboy
Thu Aug 16, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2023

Re: Freedom Credit Union 30 Month 3.56%APY CD

CD promotion ended today. No new promo CDs are being opened.
by SpaceCowboy
Mon Aug 13, 2018 12:56 am
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2023

Re: Freedom Credit Union 30 Month 3.56%APY CD

This promo will not last until September. Deals like this are usually only open for a couple of weeks. The only recent 4% CD that I know of was the Sharonview 4% 5 year CD deal earlier this year, maybe around March. I bought that one. I'm also in the process of investing in this deal. I think 3.56% ...
by SpaceCowboy
Thu Aug 09, 2018 9:42 am
Forum: Personal Investments
Topic: Have Private Reits worked for you?
Replies: 17
Views: 1247

Re: Have Private Reits worked for you?

You’ve got to be kidding. Private REITs that are sold to pseudo retail investors are one of the most abused products out there. FINRA has repeatedly warned about improper sales practices around them. They are illiquid. Average investor lacks the skills and access to properly diligence them. Returns ...
by SpaceCowboy
Sun Jul 22, 2018 11:55 am
Forum: Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 81
Views: 14152

Re: Why [was] QSPIX steadily declining?

Well the QSPIX q2 performance attribution report is out and the reason for the decline is the Value factor. The fund lost 12.6% through loading on the value factor. Carry was the most positive factor with a gain of 3.4%
by SpaceCowboy
Sun Jul 15, 2018 4:37 pm
Forum: Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 81
Views: 14152

Re: Why [was] QSPIX steadily declining?

grok87 wrote:
Sun Jul 15, 2018 3:21 pm
Anyone know what the momentum factor returns for q1 and q2 of this year were.
Per the S&P report linked above YTD +8.86% Q2 +5.29%
by SpaceCowboy
Fri Jul 13, 2018 12:24 am
Forum: Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 81
Views: 14152

Re: Why [was] QSPIX steadily declining?

Actually momentum has done fine this year. Value has struggled. Carry has also not done well with the steepening of the yiel curve. http://pages.marketintelligence.spglobal.com/rs/565-BDO-100/images/dashboard-us-2018-06.pdf?mkt_tok=eyJpIjoiTW1FeFlUVXhNak0xWVdFMiIsInQiOiI3WWVSKzRwVW5mTHBoRUJ1YXd6K1JZ...
by SpaceCowboy
Sun Jul 08, 2018 11:33 am
Forum: Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 81
Views: 14152

Re: Why [was] QSPIX steadily declining?

I haven’t seen a recent attribution analysis. However, the carry trade was probably negative. Momentum should have been positive. Unclear to me why the drop has been so dramatic. Anyone in touch with Larry who might have some insight?
by SpaceCowboy
Fri Jul 06, 2018 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2262

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

For ACA coverage you need to apply by 15th to start coverage on 1st. Cobra can be applied for retroactively. Believe it’s 60 days, but not sure. The general rule is to leave current employer early in the month, and start your new job before the end of the same month. That usually provides gap free c...
by SpaceCowboy
Thu Jul 05, 2018 9:56 pm
Forum: Personal Investments
Topic: Solo 401(k) Limits and Controlled Group Rules
Replies: 3
Views: 374

Re: Solo 401(k) Limits and Controlled Group Rules

I've been in the same situation, except with two LLC S-Corps and a sole prop. The advice that I've gotten from Mark at MySolo401K is that, because I completely own all three businesses (one jointly with my wife) that they are a controlled group. My profit sharing max is thus 25% of the payroll for ...
by SpaceCowboy
Thu Jul 05, 2018 10:06 am
Forum: Personal Investments
Topic: Solo 401(k) Limits and Controlled Group Rules
Replies: 3
Views: 374

Solo 401(k) Limits and Controlled Group Rules

Here's my situation. I originally setup my solo 401(k) for my sole proprietorship. A couple of years ago, I switched it or adopted it as the 401(k) for my LLC. This year, the bulk of my income is coming on a 1099 directly, essentially as a sole proprietor, and not through the LLC. Can I somehow use ...
by SpaceCowboy
Fri Jun 08, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 5508

Re: Rising Interest Rate Strategy

However, now that rates are actually rising, I’m looking for somewhere to shift maturing CD proceeds and am considering some sort of floating rate fund like the BKLN ETF. Granted there is a big difference in risk. Any other floating rate type products that make sense. For fixed income I stay invest...
by SpaceCowboy
Thu Jun 07, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 5508

Re: Rising Interest Rate Strategy

I think the people that had CD ladders are going to get the prize. 5 year CD's were paying 10 year Trsy rates and should mature just in time to reinvest at much higher rates. Now 2 and 3 year CD's are paying 5 year rates and higher and should mature in time to reinvest at much higher rates. As a se...
by SpaceCowboy
Sun Jun 03, 2018 4:11 pm
Forum: Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 81
Views: 14152

Re: Why [was] QSPIX steadily declining?

Resurrecting an old thread, but does anyone have a clue as to why QSPIX had such a terrible month in May 2018? It's off about 5% for the month and the year. Certainly continues to be uncorrelated, but I'm not sure why it had such a steep drop in the month.
by SpaceCowboy
Tue May 22, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 54871

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I’m fortunate to be part of the 3%. Doubt that I would have psychologically been able to pull the trigger on early retirement while my kids were still in high school if I hadn’t fully funded 529s to cover college for my kids. Tax benefits were worthwhile, even without a state tax deduction. It’s jus...
by SpaceCowboy
Tue May 15, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Improvement Incentive?
Replies: 12
Views: 1751

Re: Vanguard Customer Service Improvement Incentive?

Move your money to Fido. They're customer service is much better and you can still buy Vanguard ETFs or use Fido's low cost index funds.
by SpaceCowboy
Sun May 13, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: short term investment
Replies: 24
Views: 2567

Re: short term investment

In a rising interest rate environment, 2 year Treasuries are not risk free for short term money.
I use the demand notes as my cash buffer. They hold 6 months of expenses that I draw down on monthly plus taxes that are due next April which are above my estimated tax payments.
by SpaceCowboy
Sat May 12, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: short term investment
Replies: 24
Views: 2567

Re: short term investment

If you’re willing to take a little risk, Mercedes Benz Financial First Class Demand Notes are paying 2.6%
That’s the best I’ve found on demand deposits. Only available to accredited investors and NOT FDIC insured
https://firstclassdemandnotes.com
by SpaceCowboy
Thu Apr 12, 2018 12:57 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 90269

Re: 2-year CDs at Vanguard and Fidelity Today

At Vanguard there is a 3-year, SALLIE MAE BANK SALT LAKE CITY UT CD FDIC #58177 2.75% 04/12/21 04/11/18, at 99.55, which is 99.65 for yield of 2.872% at $1 commission, and 99.75 for yield of 2.837% at $2 commission, so a pretty good one if you want to go to three years (I just bought a few in sever...
by SpaceCowboy
Mon Mar 12, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 15962

Re: Sharonview FCU 64 month CD - 4%

After 3 tries, my wire finally was successfully completed this morning. Once I got the rep on the phone, no problem funding the certificate. Happy to get 4% 8-)
by SpaceCowboy
Sun Mar 11, 2018 10:21 pm
Forum: Personal Investments
Topic: CD Ladder Discipline
Replies: 17
Views: 3494

Re: CD Ladder Discipline

I focus on buying CDs at 3%+ on special. Was pleased with the recent 4% Special 64 month CD offered by Sharonview. Highest rate I’ve seen since starting to buy CDs in 2013. Right now still think CDs are compelling, but Treasuries are looking better after the recent rise in rates.
by SpaceCowboy
Thu Mar 08, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 15962

Re: Sharonview FCU 64 month CD - 4%

Funded with a wire and then called to open CD. One of my wires was rejected by them because it did not have my address in the originator info. So, you might want to make sure your address is included in the wire instructions. This appears to be an usual requirement.
by SpaceCowboy
Wed Mar 07, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 15962

Re: Sharonview FCU 64 month CD - 4%

I was able to open the basic membership account online with no hassles. Out of state using Hobby Farmers of America. In the process of funding. I called to ask about funding, CSR said they would put a note in my file to guarantee the rate. Planning on funding using a shared branch deposit.
by SpaceCowboy
Tue Feb 13, 2018 3:01 am
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity
Replies: 10
Views: 1707

Re: Deferred Income Annuity

The big (or real) issue with DIAs is that they don’t provide any inflation protection during the deferral period. Thus, when the payouts actually begin 30 years later in this case, what will that income stream really be worth.