Search found 183 matches

by naha66
Thu Nov 15, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10141

Re: Build America Bonds in ESG Core-4?

nisiprius wrote:
Thu Nov 15, 2018 11:31 am
vineviz wrote:
Thu Nov 15, 2018 9:20 am
...I looked up the top 10 bonds in BAB and the vast majority are Build America Bonds. If I can do a mass lookup of CUSIPS I’ll report back with stats...
Thanks. How do you recognize them?
On invesco website under holding instead off ticker symbol they have the cusip #, DuckDuckGo is your friend.
by naha66
Thu Nov 15, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10141

Re: Build America Bonds in ESG Core-4?

https://imgur.com/drClc50.png The ESG Core-4 portfolio calls for a 20% allocation to "Build America Bonds & US Government Securities." Being listed first suggests that Build America Bonds are the preferred asset for implementing this portion of the portfolio. Build America Bonds are no longer being...
by naha66
Fri Nov 02, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9282

Re: no dividends in index funds!

Dividend policy is irrelevant to a stock’s total return I believe. Think there was a Nobel prize involved in that work. Dividends tend to be a not so great proxy for value stocks. The nice thing, I would think, about avoiding dividend stocks, is that one can decide when to sell and experience the c...
by naha66
Thu Aug 23, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5274

Re: Varying college costs across kids in the same family

I'm from the younger crowd, so I have the perspective of a child who went through this as opposed to a parent going through it. My parents tried to be fair to each of us. I pursued college and paid my own way through, as a reward for that they took the money they had saved for my college and bought...
by naha66
Thu Aug 23, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5274

Re: Varying college costs across kids in the same family

I'm from the younger crowd, so I have the perspective of a child who went through this as opposed to a parent going through it. My parents tried to be fair to each of us. I pursued college and paid my own way through, as a reward for that they took the money they had saved for my college and bought...
by naha66
Wed Aug 22, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 98
Views: 8898

Re: !

Many national parts delivery drivers, parts counter help, and cashiers, etc. get below 11hr. Not if they are employed in Massachusetts. Not theoretically, actually: Today: The Advanced Auto parts delivery driver told me today, my job pays 8.50hr. The car wash guy next to the Advanced auto national ...
by naha66
Thu Jun 14, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 3349

Re: Would you choose text or email for two-factor authentication?

For those using texts to your cellphone, what do you do when you travel abroad? Are you effectively locked out of your accounts? I spend up to several months each year abroad and normally use a local sim card in my destination country ... so I can't receive texts at my regular cellphone number. The...
by naha66
Thu May 31, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7583

Re: get sued for posting nagative online review?

I’m glad the doc sued. These online reviews are a 1way street. Someone can post any amount of negative stuff, which may or may not be accurate. Often the thing that ticked them off is something completely different to what is written. The doc has no defense. And if he posts his review of the patien...
by naha66
Sat May 26, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 5035

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

Come on people answer the question. The OP asked if the 4% would apply to someone who retires in their mid 70's , not how to invest it. A 20 year retirement could handle 5% if going by history, as everyone seems to think the next 10 years will be lower than normal maybe 4.5- 4.75 would work. I would...
by naha66
Sat May 26, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 5035

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

Speaking just to a safe withdrawal for a 75 year old. Tom Kitces wrote a paper back in 2012 where he came up with 5.3% for a 20 time frame. 4% is for 30 years. If you want a margin of error 4.75% would probably work. You can always adjust the % depending on returns of your portfolio. https://www.kit...
by naha66
Thu May 24, 2018 1:36 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 140
Views: 21705

Re: GE and the myth of "safe blue-chip stocks"

This isn't really about GE, and it isn't a prediction--either that GE will cut its dividend, or that GE will be dropped from the Dow. But according to today's headlines, people are speculating about, even anticipating both of these things. The Dow has no mechanical rules for inclusion; as I underst...
by naha66
Wed May 16, 2018 2:26 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4545

Re: How to Invest $600K for Retirees

While speaking with a Fidelity representative recently, he mentioned that there was a fixed annuity that pays 5.5% for life. At 600K, that yields approximately $2700/mo for life. 18 years to make up principle. Reasonable fees. Simple monthly income. See immediateannuities.com Note that fixed annuit...
by naha66
Fri May 11, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Factors Suggesting One Should Buy SPIA
Replies: 90
Views: 7690

Re: Factors Suggesting One Should Buy SPIA

I can never understand why anyone would purchase a SPIA without a return of premium or 20 year period certain. The little bit of extra income lost to insure your heirs receive something in the event of an early post purchase demise seem very worth it. I suspect the SPIA purchase is NOT motivated by...
by naha66
Thu May 03, 2018 12:34 am
Forum: Investing - Theory, News & General
Topic: Value tilted S&P 500 fund for dividend?
Replies: 45
Views: 2617

Re: Value tilted S&P 500 fund for dividend?

Nisiprius, Imho, VHDYX is a better fund than VEIPX. First of all it's a index fund not a managed fund. So it has no capital gains (short or long) & is more tax efficient. Lower turnover. It has more stocks, better diversified, cost less, with a higher dividend payout. I believe Jack Bogle when he s...
by naha66
Tue Apr 24, 2018 1:58 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 3373

Re: Dividend fund in taxable account during retirement, yea or nay?

Welcome, However, what is the forums opinion regarding investing a lump sum (windfall) in VHYDX during retirement, in a taxable account, if the dividends are equal to the amount one wishes to withdraw annually? Could this possibly be a good position in the event of a market downturn, which might ma...
by naha66
Sat Apr 14, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 19209

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

The same you would to get10k to 12K out of 400k, it's just 2.5-3%. 70% VTI 30% bonds. :beer I see that's it's 100k-120k
by naha66
Sat Apr 14, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 3043

Re: Aren't we betting a bit too heavily on US stocks and bonds?

We are always trying to come up for reasons why the USA always has higher returns. One of the reason could on how they run there companies, take Volkswagen. Their Board of Supervisory Members(Board of Directors) have :sharebeer 9 union and 1 politician out of 20.The company is run for the benefit of...
by naha66
Sat Mar 10, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6815

Re: What's that smell?

Not bad a bad smell. Have you ever lived on a farm? YNoseMV Grew up on a dairy farm next to a pig farm. City friends came once and complained about the smell. :shock: I said. "What smell">? . . . to farmers.. . it's the smell of money.. . . j Branch manger and I were taking a new sales rep right ou...
by naha66
Tue Mar 06, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 15515

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

Larry says I wrote my first book in May of 1998 and since then DFA SV has outperformed VSIVX despite a 40 bp disadvantage in costs. And since we switched to BOSVX is has outperformed DFSVX even by more than we estimated, despite a higher ER. It's value added not costs that matter. And in some cases...
by naha66
Mon Mar 05, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans
Replies: 130
Views: 15515

Re: Larry Swedroe’s New Book Available: Reducing Risk Of Black Swans

Larry says I wrote my first book in May of 1998 and since then DFA SV has outperformed VSIVX despite a 40 bp disadvantage in costs. And since we switched to BOSVX is has outperformed DFSVX even by more than we estimated, despite a higher ER. It's value added not costs that matter. And in some cases ...
by naha66
Mon Mar 05, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Does DFA justify the higher ER?
Replies: 16
Views: 1667

Re: Does DFA justify the higher ER?

Im too slow at editing
by naha66
Mon Mar 05, 2018 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Does DFA justify the higher ER?
Replies: 16
Views: 1667

Re: Does DFA justify the higher ER?

The DFA fund has about 0.5 value exposure, so if the premium is 1% going forward, you get an extra 0.5% return, and DFA is essentially paying for its own expense ratio. If the vallue premium is larger, you win. Also, if there's a quality premium going forward, you win again, since DFA screens out j...
by naha66
Mon Feb 26, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4333

Re: 66 yr old Woman Needs HELP!

Hate to recommend a SPIA annuity, but it might the best option for you. You can buy thru Vanguard, 50%(388k) of your 776k would give you over $2000 a month plus $900 SS, thats close to $3000 a month and you still have 388k to invest in case inflation comes back. I agree with naha66 on this. Also, i...
by naha66
Mon Feb 26, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4333

Re: 66 yr old Woman Needs HELP!

Hate to recommend a SPIA annuity, but it might the best option for you. You can buy thru Vanguard, 50%(388k) of your 776k would give you over $2000 a month plus $900 SS, thats close to $3000 a month and you still have 388k to invest in case inflation comes back.
by naha66
Mon Feb 26, 2018 4:08 am
Forum: Investing - Theory, News & General
Topic: So...When Will the Tencent Bubble Burst?
Replies: 13
Views: 2248

Re: So...When Will the Tencent Bubble Burst?

Two giants in the "emerging markets" category are Alibaba and Tencent, they have both experienced unprecedented growth, and relatively positive feedback from investors and the media. To be completely honest, the fast-paced growth of these firms got me very excited, but then I took a look at the PE ...
by naha66
Fri Feb 23, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Will Emerging China Change Things for Domestic Investing?
Replies: 28
Views: 2700

Re: Will Emerging China Change Things for Domestic Investing?

buy CQQQ go to china and see its dominance in technology yourself there is no cash and credit cards in china anymore, tencent and alibaba dominates the payment market with their mobile app wechat and alipay even when you go to a spa in china, you just have to bring your phone, no wallet, and all ti...
by naha66
Fri Feb 23, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 121
Views: 12428

Re: Larry Swedroe: What Investors Should Worry About

http://www.etf.com/sections/index-investor-corner/swedroe-what-investors-should-worry-about?nopaging=1 […] I think it’s fair to say he’s in the business of helping build robust investor portfolios that can withstand the wide variety of outcomes predicted by many individuals. … I think it’s fair to ...
by naha66
Wed Feb 21, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Will Emerging China Change Things for Domestic Investing?
Replies: 28
Views: 2700

Re: Will Emerging China Change Things for Domestic Investing?

RRAAYY3 wrote:
Wed Feb 21, 2018 9:15 pm
I don’t have much confidence in America maintaining its global prowess

I’ll just leave it at that
How much time have you spent in Asia?
by naha66
Tue Feb 13, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 37760

Re: What if you only live off dividends?

It's even worse than that. SEC yield on VTSAX (Total Stock Market Admiral) is 1.68%. Try saving up 59x expenses. How many people retire 100% VTSX, a 40/60 4 fund of VTI,VEU,BND,and VCIT returns about 2.5% which is what some posters(the sky is falling) here advocate as the new SWR. I take my dividen...
by naha66
Mon Feb 12, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities
Replies: 22
Views: 1826

Re: Fixed Index Annuities

What does being single or married have to do with it. What matters is how much do need to withdraw from your portfolio whether you have $500k or $5 million. I think he saying if you can't save a lot of money you will run out. Their are people on here who don't even have to touch there investments. T...
by naha66
Sun Feb 11, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities
Replies: 22
Views: 1826

Re: Fixed Index Annuities

A form of annuity may be beneficial for your case, since high 6 digits portfolios have usually meaningful failure rates at retirement . SPIAs or deferred fixed annuities is what you should be looking for though for a part of your investments (funded from the bond funds part). Forget about the "guar...
by naha66
Sat Feb 10, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule and early retirement?
Replies: 69
Views: 10621

Re: 4% rule and early retirement?

If not looking at the past, on what do you base your 3-3.5% ? Yep, that's the question and you might not like my answer, but here goes. I'm triangulating into it, looking at the future like this: 1. I believe my grandparents, parents and I have lived during a Golden Age in America. Sure, we had war...
by naha66
Tue Feb 06, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Raising interest rates are good for bonds.
Replies: 17
Views: 2677

Re: Raising interest rates are good for bonds.

By the same logic lower stock prices are good if you reinvest your dividends. Not true. Dividend payments determine virtually the entire return of investment grade bonds over time with the NAV fluctuating generally around par value, while with stocks, dividend payments make up only about 2-3 percen...
by naha66
Tue Feb 06, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Raising interest rates are good for bonds.
Replies: 17
Views: 2677

Re: Raising interest rates are good for bonds.

By the same logic lower stock prices are good if you reinvest your dividends. Not true. Dividend payments determine virtually the entire return of investment grade bonds over time with the NAV fluctuating generally around par value, while with stocks, dividend payments make up only about 2-3 percen...
by naha66
Thu Feb 01, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 58
Views: 9343

Re: Living on Dividends and Interest

Skime, Hello & welcome to Bogleheads. When I started investing, I did a study of the most successful investors I could find on the internet. (The idea being what are super successful investors doing)? Most (not all) of the most successful investors I could find ($Millionaires) were all invested wit...
by naha66
Tue Jan 09, 2018 11:53 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 44524

Re: Year 2000 retirees using the '4% rule' - Where are they now?

First, let's assume that they used a 60/40 portfolio, where half of their equities were in VTSMX (U.S. stocks) and half in VGTSX (international equities), and the bonds were in VBMFX (total U.S. bond market). Let's also assume that their starting portfolio was $1M. Their withdrawals occur at year e...
by naha66
Tue Jan 09, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 44524

Re: Year 2000 retirees using the '4% rule' - Where are they now?

First, let's assume that they used a 60/40 portfolio, where half of their equities were in VTSMX (U.S. stocks) and half in VGTSX (international equities), and the bonds were in VBMFX (total U.S. bond market). Let's also assume that their starting portfolio was $1M. Their withdrawals occur at year e...
by naha66
Sun Jan 07, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 7704

Re: Larry Swedroe: Patience And Diversification Crucial

Naha66 wrote You just lost all credibility. The guys 70 like he's going to wait 50 year. You even say in the 1st post in this thread that it might under perform for a long time. I strongly disagree. I think you may be misunderstanding my point. My point is that one should diversify across all the k...
by naha66
Sun Jan 07, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 7704

Re: Larry Swedroe: Patience And Diversification Crucial

Midareff wrote It is interesting but at 70 years old I'm not interested in anything that could under perform for long periods. I believe diversifying across factors is perhaps more important the SHORTER the time frame. All factors, including market beta, can underperform at any given time. I think ...
by naha66
Sun Dec 31, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 9344

Re: 1st, your education. Then...Location, Location, Location

( The unemployment rate for college educated during the Great Recession was ~2%...and less in the lager cities .) Why do people just make stuff up,where did you come up with 2% unemployment for college educated labour. It was close to 5% and that was only 25+ year old if add the 21-24 it was a lot ...
by naha66
Tue Dec 26, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 9344

Re: 1st, your education. Then...Location, Location, Location

OP, 1) Many members of my family are millionaires. They ranged from never attended high school to some with graduate degrees from top schools. 2) 50% of my family members are in businesses. Then, some are salary workers. They became millionaires regardless which path they took. 3) My family is spre...
by naha66
Sun Dec 10, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 4992

Re: What mix of intermediate and short term bonds?

I don't know the answer to your question, but I think it is important for people to realize that an intermediate term bond FUND may contain individual bonds of all terms - short, intermediate, and long term. Like total bond market - all those bonds are not intermediate term. It contains bonds of al...
by naha66
Sat Dec 09, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 4439

Re: First post from this retiree with questions - my daughter sent me here!

You have a 26k income and about 500k in assets. I'm assuming your home is paid for. At age 67 residual life expectancy is about 16 years. You say you are in good health (but on disability ?) so you should factor at least twice that number of years. 4% rule in the present market is completely out of...
by naha66
Wed Dec 06, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 3754

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

Its a dividend and income fund,this is vanguard product summary of VEIPX. This fund is designed to provide investors with an above-average level of current income while offering exposure to the stock market. Since the fund typically invests in companies that are dedicated to consistently paying div...
by naha66
Wed Dec 06, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 15471

Re: One answer to the Dividend stocks puzzle from behavioral finance

Howdy This whole thread is amazing. I’m still not sure what the debate is about. The only thing that is sure is that dividends impose a tax drag on a taxable account. The debate is about the validity, rationality, or practicality of any of the following things: 1. Dividends are good because you get...
by naha66
Wed Dec 06, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 3754

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of the the sta...
by naha66
Wed Dec 06, 2017 8:11 am
Forum: Investing - Theory, News & General
Topic: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?
Replies: 55
Views: 3754

Re: Are Dividends Perceived as Moral; Capital Value Changes as Immoral?

1. Jack Bogle likes dividends 2. Jack Bogle dislikes factor investing. A lot of the same people who bash dividends are the same people are jumping on the bandwagon of Swedroe and factor investing including the young mod who said "i love the dividend wars". I can read the undercurrent of the the sta...