Search found 642 matches

by rixer
Tue Nov 19, 2019 1:56 am
Forum: Personal Investments
Topic: Invest in a very simple portfolio of broad market index funds using an allocation you can stick with.
Replies: 14
Views: 1862

Re: Invest in a very simple portfolio of broad market index funds using an allocation you can stick with.

I just use Vanguards Lifestrategy Fund. It's a globally balanced fund made up of four low cost index funds.
by rixer
Mon Nov 18, 2019 10:14 am
Forum: Personal Investments
Topic: Retired, what to do with a new chunk of money?
Replies: 10
Views: 1644

Re: Retired, what to do with a new chunk of money?

I think you could get a balanced fund in the taxable and be okay tax wise. You're retired and won't likely be adding to it. It doesn't amount to that much tax from a balance fund of 100k. You could just count that as part of your desired income and adjust your other withdrawals. Bonds in taxable isn...
by rixer
Sun Nov 03, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 157
Views: 23235

Re: The One-Fund Portfolio as a default suggestion

What do people think about AOR (iShares Core Growth Allocation ETF) as an alternative to VSMGX for those that cannot purchase VSMGX commission free (at Schwab there is a$50 fee). AOR's expense ratio is higher at 0.25% and the mix of underlying indexes (funds) is a bit different although it is still...
by rixer
Tue Oct 22, 2019 8:13 am
Forum: Personal Investments
Topic: Assisting a new widow manage her retirement
Replies: 14
Views: 1004

Re: Assisting a new widow manage her retirement

I think she would benefit from using a balanced fund. Take a look at the lifestrategy funds from Vanguard.That way, all she has to do is decide how much she wants to withdraw each year for expenses. The fund will always stay balanced.
by rixer
Tue Oct 22, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 10195

Re: Time for a new car - Corolla or Civic...

Both great commuter cars. Civic would be my choice.
by rixer
Tue Oct 22, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5711

Re: Help me find some high quality cargo pants.

I have some got at REI. They are very lightweight, the material "wicks" dry and they have one cargo pocket with a secure zipper so you can keep your wallet or whatever safe.
The best cargo pants I ever had.
by rixer
Fri Oct 18, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 157
Views: 23235

Re: The One-Fund Portfolio as a default suggestion

If the LifeStrategy funds had lower expense ratios, I'd be all in. They are extremely low compared with the rest of the industry, but a bit high compared with other Vanguard index products. The fee is low enough to keep me or the wife allocated in a lifestrategy fund. We would probably do worse if ...
by rixer
Sat Oct 12, 2019 9:43 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 50
Views: 10984

Re: Can't do this alone-need a financial planner-please help!

What I did was simply purchase a Vanguard Lifestrategy balanced fund in my IRA's. Couldn't be easier.
by rixer
Fri Oct 11, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 66
Views: 8549

Re: What’s the proper way to pay yourself in retirement?

Here's what we do. We're retired, drawing SS, have IRS's and a small taxable account. We take the dividends and cap gains from taxable and transfer them to our online savings account at Ally. We are invested in a balanced fund in all accounts. We simply sell enough of our balanced fund in my IRA to ...
by rixer
Mon Oct 07, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Psychologically adverse to start drawing down in retirement
Replies: 82
Views: 8341

Re: Psychologically adverse to start drawing down in retirement

Retired, no pension, drawing SS. I take my rmd from my ira once a year. I take the balance of what I need for income from the taxable account once a year. I draw dividends and Cap Gains from taxable as they are issued. The total amount of withdrawal is about 4%. I put the annual draw into Ally and h...
by rixer
Thu Oct 03, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: 'Stay the course' with international stock but give up on value?
Replies: 101
Views: 7081

Re: 'Stay the course' with international stock but give up on value?

Staying the course has been difficult for me in the past. That's why I chose a Lifestrategy fund when I retired. It keeps everything in balance and I don't have to make those emotional choices anymore. Right or wrong, it's taken the mental stress out of it for me. But that's just me.
by rixer
Wed Oct 02, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2548
Views: 473053

Re: What are you up YTD? [Year To Date]

I'm up about 11.5% and am 40/60.
by rixer
Sat Sep 28, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: "Don't Put Beating the Market Atop Your To-Do List"
Replies: 5
Views: 938

Re: "Don't Put Beating the Market Atop Your To-Do List"

If everyone did that, what would happen to the forum? Would the only investment decisions be stock/bond ratios or indexes that outperformed others of the same type by a few basis points? Tim You make a good point. I'm retired, in a balanced fund now and though I like to come here everyday to read p...
by rixer
Thu Sep 26, 2019 6:26 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9976

Re: Retirees - do you hold extra cash for a bear market?

We're retired. We have a balanced LS fund and a three year cd ladder with just enough to get through three years in a downturn. There is also some dividends and cap Gains we take from the taxable account. That's our plan, if the market remains bad after the three years, we'll adjust our spending I g...
by rixer
Sun Sep 15, 2019 7:49 am
Forum: Investing - Theory, News & General
Topic: Bogleheads, how are your three fund portfolios doing?
Replies: 45
Views: 4926

Re: Bogleheads, how are your three fund portfolios doing?

I don't have a three fund portfolio. I use a Lifestrategy fund that is a balanced fund of four low cost index funds.
I'm happy taking what the market gives me and so far, we're doing just fine in retirement.
by rixer
Wed Sep 04, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: For those who have bonds in taxable, why and which ones?
Replies: 42
Views: 3765

Re: For those who have bonds in taxable, why and which ones?

I'm retired and am not contributing any more. I hold lifestrategy funds in both taxable and ira. They contain bonds because they're balanced funds. I prefer it this way as I really have to do nothing in either except take my rmd from the ira and it always stays in balance with the same risk factor. ...
by rixer
Sat Mar 23, 2019 8:44 am
Forum: Personal Investments
Topic: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund
Replies: 28
Views: 5182

Re: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund

I use Ally. It's FDIC insured, pays 2.2% last time I checked and then we have an automatic deposit sent from Ally to our B&M bank each month. It couldn't be easier and whenever I have called Ally, they were able to help me right away. :beer
by rixer
Thu Mar 21, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: Retired Investors - Do You Keep Cash For Down Years
Replies: 107
Views: 9308

Re: Retired Investors - Do You Keep Cash For Down Years

The average recession between 1854-1919 lasted 22 months. Between 1945 and 2001 recessions lasted 10 months. The last recession lasted 18 months. With that in mind, why would one plan for the possibility of cashing in shares out of necessity in long durations of time when they are down? We had to d...
by rixer
Tue Mar 19, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: "How to Build a Portfolio You Don't Have to Babysit"
Replies: 18
Views: 2880

Re: "How to Build a Portfolio You Don't Have to Babysit"

That's all I do. I'm retired and other than a 3 yr cd ladder, it's all in lifestrategy. I'll let you know in 20 years how it worked out but it's an easy road to follow.
by rixer
Mon Mar 18, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: Retired Investors - Do You Keep Cash For Down Years
Replies: 107
Views: 9308

Re: Retired Investors - Do You Keep Cash For Down Years

I'm retired, have a balanced fund and a three year expenses CD ladder in case of a market downturn. haven't used the CD's as of yet. They really don't amount to that much as SS, and what dividends I get, cover most of it.
Ask me in 20 years how it worked out..
by rixer
Thu Mar 07, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: VSMGX during withdrawal period
Replies: 4
Views: 737

Re: VSMGX during withdrawal period

I have a lifestrategy fund also and once a year I make my annual withdrawal. Very simple.
by rixer
Tue Feb 19, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Do you look back and wish you were more aggressive?
Replies: 64
Views: 4862

Re: Do you look back and wish you were more aggressive?

Yes, I wish I would have been more aggressive. I was self employed and didn't have a secure future or income. I never knew what was around the bend coming at me so what little we had, I didn't want to put at too much risk. I was 40/60 because of that and now that I'm retired and looking back, yes I ...
by rixer
Tue Jan 29, 2019 8:15 am
Forum: Personal Investments
Topic: Diversification ideas
Replies: 97
Views: 5703

Re: Diversification ideas

Vanguard uses international bonds to add diversification to the three fund mix in Lifestrategy funds.
by rixer
Sun Jan 06, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 5283

Re: For those retired a few years

I've been retired almost 6 years now. I didn't go wild but I'm spending more money than I ever did when I was working. All while making less money. I was self employed and never knew how much I would make so I saved everything I could because the slow times always hit. Then I was also paying off the...
by rixer
Thu Dec 20, 2018 11:37 am
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 14129

Re: Is anyone's portfolio not tanking???

I'm down about 3.25% and retired so I need to draw from my portfolio soon. I have 3 years income in CD;s. I'm not sure if this is enough of a drop to use one of them or if I should hold back and sell from my balanced fund in case of one of those major stock market drops happens. In the past when the...
by rixer
Sat Nov 24, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 78
Views: 12776

Re: pros and cons of target date funds?

We're retired and prefer to use Lifestrategy CG because the TD gets below the equity level we want to maintain forever.
We take out our annual draw from the LS fund and we're always maintaining our desired allocation.
by rixer
Mon Nov 19, 2018 9:18 am
Forum: Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8781

Re: Current Retirees: Do you touch your principal?

Yes, we spend from principal. Retired 5 years now and started drawing 3 years ago. Our balance is more than when I retired and we've been taking about 4%. I plan on spending it wisely and enjoying the days I have left. :beer
by rixer
Fri Nov 16, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 8244

Re: Are you all staying the course?

For me, being in a balanced fund makes it so much easier to stay the course and it takes away much of the anxiety as I know I'm diversified and in as good a place as any.
by rixer
Sun Nov 04, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 10044

Re: retirement travel: RVs vs fly/drive/hotel

We've been traveling a lot since we've retired. We hate flying anymore but still do when it's necessary. We used to cruise a lot but the every minute upsells on everything and the downhill quality of dining has turned us off of cruising a lot. We are liking road trips now. Unless we're going to a re...
by rixer
Thu Nov 01, 2018 1:59 pm
Forum: Personal Investments
Topic: How to calculate SS at age 64
Replies: 4
Views: 771

Re: How to calculate SS at age 64

The SS site where you estimate your benefit will let you do that. It will ask you if you want to calculate other years and you can fill it in and get the figure. It's been a while since I was there but so I don't remember exactly what the wording was. It's available on the SS "estimate your benefit"...
by rixer
Thu Nov 01, 2018 7:25 am
Forum: Personal Investments
Topic: How do I find an investment strategy?
Replies: 16
Views: 1287

Re: How do I find an investment strategy?

You could do far worse than just picking a balanced fund that falls into your AA. That way, you don't have to do anything but contribute, it all goes into the proper allocation and stays that way.
Be sure to check them out.
by rixer
Thu Sep 27, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 27750

Re: What is your single most expensive mistake?

Investing too conservatively when I was working.
by rixer
Thu Sep 27, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3765

Re: Good flip flops

I wear flaps a lot but many of them have a slick leather sole your feet sit on. The problem is my feet slide off to the side of them. I need something that grips my feet better. I found some Kenneth Cole flip flops at Costco that fit me perfect and they are comfortable to wear all day long. They're ...
by rixer
Sun Sep 23, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5943

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

I've been retired for 5 years. Besides my LS holdings, I have a three year ladder of cd's for that moment when the market tanks and I don't want to sell any of my LS fund. I haven't used them ever so I can't say for sure when I will. I keep them strictly for a meltdown. My portfolio hasn't done too...
by rixer
Sun Sep 23, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5943

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

I've been retired for 5 years. Besides my LS holdings, I have a three year ladder of cd's for that moment when the market tanks and I don't want to sell any of my LS fund. I haven't used them ever so I can't say for sure when I will. I keep them strictly for a meltdown. My portfolio hasn't done too...
by rixer
Fri Sep 21, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5943

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

I've been retired for 5 years. Besides my LS holdings, I have a three year ladder of cd's for that moment when the market tanks and I don't want to sell any of my LS fund. I haven't used them ever so I can't say for sure when I will. I keep them strictly for a meltdown. My portfolio hasn't done too ...
by rixer
Tue Sep 11, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7861

Re: Anyone else playing catch-up in their 40's?

I started over from scratch at nearly 40 with no house, no savings, no IRA and bad credit. I worked pretty hard to do it but am now comfortably retired with a paid off home, drawing SS and from portfolio. I wasn't a high income earner either, so it's not too late. Congratulations on knowing what you...
by rixer
Sun Sep 09, 2018 7:17 am
Forum: Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8813

Re: Scaring the Old Folks

We spend a lot more in retirement than we did when we were working. That's because the last 20 or so years we were so busy paying off the house and other debts as well as funding our retirement, we had little money left to spend. Now we don't have debt except for living expense and we don't contribu...
by rixer
Tue Sep 04, 2018 7:34 am
Forum: Personal Investments
Topic: DIY: Three versus One! Are the Advantages Worth it?
Replies: 47
Views: 4075

Re: DIY: Three versus One! Are the Advantages Worth it?

We use Lifestrategy CG. The fee is .12% and seems reasonable enough to me. It's not that it's so time consuming to rebalance but in my case, I have let my emotions dictate what I do rather than stay with the plan. My allocation can become too conservative at times and it's cost me money. By using a ...
by rixer
Mon Aug 20, 2018 10:37 am
Forum: Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 45
Views: 5038

Re: Retirees: Timing your withdrawals

We take it once at the beginning of the year and that's what we have to live on.
by rixer
Fri Aug 10, 2018 4:59 pm
Forum: Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 6315

Re: Old dog needs to learn to manage his investments

I'm a little surprised that you folks seem to be leaning toward the Lifestrategy fund rather than the Three or Four Fund Portfolio? After so many years of having a dozen mutual funds putting it all in one fund seems a little, all eggs in one basket to me. Even though the single funds risk is spread...
by rixer
Fri Aug 10, 2018 9:19 am
Forum: Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 6315

Re: Old dog needs to learn to manage his investments

A single, balanced, Vanguard Lifestrategy fund would likely put you in a decent place to be without much to fuss about. Then you can concentrate on what your business does so well.
by rixer
Mon Jul 30, 2018 11:02 am
Forum: Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 7482

Re: Retirees: how much cash?

I've been retired a little over 5 years now. I have a three year cd ladder of minimum expenses less SS that I continue to roll over. I've never touched it so far. The rest is just in a balanced index fund.
by rixer
Sun Jul 22, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Furniture sliders
Replies: 17
Views: 1412

Re: Furniture sliders

Get some carpet and cut small pieces to place upside down so the carpet nap is facing the floor and the furniture leg is sitting on top. The furniture will slide easily without damaging your floor. :wink: I did this when we put a bed in the den for DW's mom when she was with us in hospice. Worked g...
by rixer
Sun Jul 22, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2868

Re: Rain shower

The rain shower wastes way too much water from what I've seen.
by rixer
Sun Jul 22, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Furniture sliders
Replies: 17
Views: 1412

Re: Furniture sliders

Get some carpet and cut small pieces to place upside down so the carpet nap is facing the floor and the furniture leg is sitting on top. The furniture will slide easily without damaging your floor. :wink:
by rixer
Wed Jul 18, 2018 7:22 am
Forum: Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 8396

Re: How do you handle the urge to DO something?

Invest in a balanced fund and forget it.
by rixer
Mon Jul 16, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Balanced Funds and Sequence of Return Risk
Replies: 50
Views: 3924

Re: Balanced Funds and Sequence of Return Risk

Doesn't Mr. Bogel say "stay the course, stay the course, stay the course"? I have a Lifestrategy fund and 3 yrs expenses (minus SS) in necessary expenses tucked away in a cd ladder in case of a downturn. When things go south, emotional decisions are made with regards to rebalancing. I'm guilty of th...