Search found 6255 matches

by TheTimeLord
Thu May 16, 2019 10:21 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

The OP through her posts has shown a clear desire to delay retirement as long as possible. This thread being just another way for her to try and justify that. To each their own I guess - I early retired four years ago at 53 and have never been happier (with zero desire to ever work again). Continui...
by TheTimeLord
Thu May 16, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8788

Re: Amazon....we all have seen this before :)

Hey Gang, Thoughts on Amazon as it appears that a lot of younger people are jumping on stocks like Amazon in hopes that they hit a grand slam. The stock as of now looks rock solid to me as it has a lot of diversification and in my opinion is not a one trick pony. With that being said we have all se...
by TheTimeLord
Thu May 16, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7481

Re: Did you buy the 600+ dip last week ?

midareff wrote:
Thu May 16, 2019 8:17 am
Not even close....... opportunity looks more like a 25% - 30% drop to me, minimum, not a 2% wiggle..
In that case I don't believe you have seen an opportunity in the past 10 years. FWIW, I believe it was around 5% in total.
by TheTimeLord
Thu May 16, 2019 7:01 am
Forum: Personal Investments
Topic: Confused about simplicity vs tax efficiency
Replies: 19
Views: 1583

Re: Confused about simplicity vs tax efficiency

Pehealth wrote:
Wed May 15, 2019 7:47 pm
Any Bogleheads out there give me approval on staying with Lifestrategy?
To me Lifestrategy funds are convenient not simple. I see having everything bundled together in one fund as complicating one's ability to do certain things.
by TheTimeLord
Thu May 16, 2019 6:43 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7481

Re: Did you buy the 600+ dip last week ?

Unless you moved a serious chunk of money , the impact of “buying this dip” will be nothing in the grand scheme of investing. For a forum of “ignore the noise” rationale I see a lot of folks focusing on the noise when it gets them an extra $100 but writing off when the opposite happens as “noise”. ...
by TheTimeLord
Wed May 15, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7481

Re: Did you buy the 600+ dip last week ?

Monday I sold equities in my Tax Deferred account and repurchased that same amount between my Roth and Taxable accounts. So I still have the same amount of equities just in better neighborhoods.
by TheTimeLord
Wed May 15, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7481

Re: Did you buy the 600+ dip last week ?

The Wizard wrote:
Wed May 15, 2019 5:48 pm
Bacchus01 wrote:
Wed May 15, 2019 5:28 pm
There was a drop? Huh. I didn’t notice
This is why folks should monitor things daily when convenient.
The dip was actually at closing on Monday the 13th, not last week...
Word.
by TheTimeLord
Wed May 15, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7481

Re: Did you buy the 600+ dip last week ?

Jimsad wrote:
Wed May 15, 2019 5:02 pm
I am curious how many of you put in extra money last week when market fell 600+ points .
I did but am not sure if it makes a difference .
Hope not. S&P 500 closed at 2,881.40 last Friday and closed today at 2,850.96.
by TheTimeLord
Wed May 15, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: 10,000% inflation in USA?
Replies: 19
Views: 1499

Re: 10,000% inflation in USA?

flawlessmicro wrote:
Wed May 15, 2019 4:05 pm
Any thoughts?
To me dwelling on stuff like this is a depressing, counter-productive game of what if. I prefer to focus my energies and planning on the likely scenarios and accept there are things that are out of my control that would be catastrophic if they came to pass.
by TheTimeLord
Wed May 15, 2019 1:35 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 95
Views: 9470

Re: If you are already wealthy, what keeps you motivated?

My question is...for those who are doing well financially, what keeps you motivated? When is time more important than money? I think you have 2 erroneous assumptions in your question. First, you assume money is their motivation because you assume they lose their motivation when they get money (beco...
by TheTimeLord
Wed May 15, 2019 1:24 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 95
Views: 9470

Re: If you are already wealthy, what keeps you motivated?

My question is...for those who are doing well financially, what keeps you motivated? When is time more important than money? I think you have 2 erroneous assumptions in your question. First, you assume money is their motivation because you assume they lose their motivation when they get money (beco...
by TheTimeLord
Wed May 15, 2019 12:59 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 95
Views: 9470

Re: If you are already wealthy, what keeps you motivated?

My question is...for those who are doing well financially, what keeps you motivated? When is time more important than money? I think you have 2 erroneous assumptions in your question. First, you assume money is their motivation because you assume they lose their motivation when they get money (beco...
by TheTimeLord
Wed May 15, 2019 12:02 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10700

Re: VTSAX or VTWAX over the next 35 years?

VTSAX or VTWAX over the next 35 years? That's Vanguard Total Stock Market Index Fund or the Vanguard Total World Stock Index Fund. What do you think? This is an easy question to answer. Either VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) or VFIAX (Vanguard 500 Index Fund Admiral Sh...
by TheTimeLord
Wed May 15, 2019 11:49 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10700

Re: VTSAX or VTWAX over the next 35 years?

VTSAX or VTWAX over the next 35 years? That's Vanguard Total Stock Market Index Fund or the Vanguard Total World Stock Index Fund. What do you think? This is an easy question to answer. Either VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) or VFIAX (Vanguard 500 Index Fund Admiral Sh...
by TheTimeLord
Wed May 15, 2019 11:34 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 137
Views: 10700

Re: VTSAX or VTWAX over the next 35 years?

guyesmith wrote:
Wed May 15, 2019 10:05 am
VTSAX or VTWAX over the next 35 years?

That's Vanguard Total Stock Market Index Fund or the Vanguard Total World Stock Index Fund.

What do you think?
Unless you talking about a Taxable Account I don't understand the question.
by TheTimeLord
Wed May 15, 2019 9:02 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

this can't happen without some serious societal mayhem.. for example government pensions would go bankrupt and it would even mean total economic collapse, no productive output in the economy for decades?... I don't plan for it since to me it's too miniscule of a possibility to even consider. Not at...
by TheTimeLord
Tue May 14, 2019 8:54 pm
Forum: Personal Investments
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 200
Views: 9770

Re: What is your U.S./ex-U.S. stock allocation?

International currently between 1%-2%. Flier on China Large Cap.
by TheTimeLord
Tue May 14, 2019 8:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

My 401K is much smaller than it looks when taxes are considered. Only "realized" gains or losses count; one can count other types of gains anyway they want but it doesn't mean anything in the real world. By your definition Warren Buffet is poor and his wealth doesn't mean anything in the real world...
by TheTimeLord
Tue May 14, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

You had lost $100K in the past year, yes. You could’ve sold the home and had $400K profit but now the most you could profit is $300K. Losing the houses money (pun intended) hurts less, but it’s still a loss relative to the point of reference. It’s also a handsome gain relative to a 2 year reference...
by TheTimeLord
Tue May 14, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

Haha, reduction in value meets loss(kettle meets pot kind of thing). Fancy way of saying to reduce hurt feelings. I say a loss is a loss and get over it. If I buy my house for 100k, and the next year its market value is $500k, and the year after that it's market value is $400k, have I lost $100k? B...
by TheTimeLord
Tue May 14, 2019 12:37 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

Question for those who answered yes to the OP's question, ie that their retirement plan will work even if stocks returns are flat, almost flat, or in decline for decades. What is percentage of your income are you saving every year (including taxable and IRA.401K/TSP/403)? Also, what's your age and ...
by TheTimeLord
Tue May 14, 2019 12:24 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

Totally agree. IMHO once you have "enough" you should consider making the transition from a Return Maximizer to a Risk Manager. "Enough" is unknown, though. I can't say with any precision how much my wife and I will need/want for the rest of our lives without having knowledge of the future. I can c...
by TheTimeLord
Tue May 14, 2019 9:20 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

While I generally agree, one can make a good case that there are legit reasons for adding market risk precisely BECAUSE they've accumulated enough: for example, to build a larger legacy. If I have $10m and can live on $10k, why shouldn't I be 90/10 if I want to leave my kids (or charity) the maximu...
by TheTimeLord
Tue May 14, 2019 9:01 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

This is one reason folks like Rick Ferri promote 30/70 AA's for retirees. +1 Ferri: Wisdom Of 60/40 Portfolios Timeless https://www.etf.com/sections/index-investor-corner/ferri-wisdom-6040-portfolios-timeless?nopaging=1 "Retirees and those almost retired shouldn’t care what their highest level of r...
by TheTimeLord
Tue May 14, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

I have balanced funds. I do nothing. Let Vanguard rebalance for me. Vanguard charges extra for that. And when you consider the behavioral finance benefits of a balanced fund, vs. the few bp premium that they charge for it, it ends up being the steal of the century. I like the Balanced Index fund fo...
by TheTimeLord
Tue May 14, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

https://investornews.vanguard/u-s-china-trade-what-happened-and-whats-next/ "and it’s prudent for investors to maintain a long-term view and a globally diversified portfolio." From the notes. Past performance is no guarantee of future returns. Investments in bond funds are subject to interest rate,...
by TheTimeLord
Tue May 14, 2019 8:35 am
Forum: Personal Investments
Topic: Vanguard Cost Basis View
Replies: 9
Views: 957

Re: Vanguard Cost Basis View

Is anyone getting this message: "Your data are not available at this time. Please try again later." I am trying to get the detail view on Cost Basis screen and this is the message I got yesterday and today. Is there another way to get to that screen? They loss the Cost Basis on 1 of my holdings for...
by TheTimeLord
Tue May 14, 2019 8:28 am
Forum: Personal Investments
Topic: Social security should you take early if you don’t need the money?
Replies: 24
Views: 2758

Re: Social security should you take early if you don’t need the money?

...Is it possible Rich would have more peace of mind if he took SS earlier and had a regular check coming in instead of drawing on his savings. Especially since for many seeing your savings balance dwindle in early retirement is stressful. That depends on the details. If Rich has a million-plus in ...
by TheTimeLord
Tue May 14, 2019 8:26 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

Yes as pension and two SS claims covers needs and some wants and portfolio SWR is a" % of annual balance" approach for more wants. So mathematically it will never "run out" and overall we'll cover needs and wants. In some terrible return future, that the Gloomy Gus's seem convinced is right over th...
by TheTimeLord
Tue May 14, 2019 8:11 am
Forum: Personal Investments
Topic: Social security should you take early if you don’t need the money?
Replies: 24
Views: 2758

Re: Social security should you take early if you don’t need the money?

Hi, doub. This comes up from time to time. My simple answer to this dilemma that I posted in a previous similar thread: A huge mistake I humbly believe that many people make on this site is equating "maximum wealth" with "happiness" and "better life"...the latter is much more correlated with peace ...
by TheTimeLord
Tue May 14, 2019 7:27 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

This is one reason folks like Rick Ferri promote 30/70 AA's for retirees. +1 Ferri: Wisdom Of 60/40 Portfolios Timeless https://www.etf.com/sections/index-investor-corner/ferri-wisdom-6040-portfolios-timeless?nopaging=1 "Retirees and those almost retired shouldn’t care what their highest level of r...
by TheTimeLord
Tue May 14, 2019 7:15 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

This is one reason folks like Rick Ferri promote 30/70 AA's for retirees. +1 Ferri: Wisdom Of 60/40 Portfolios Timeless https://www.etf.com/sections/index-investor-corner/ferri-wisdom-6040-portfolios-timeless?nopaging=1 "Retirees and those almost retired shouldn’t care what their highest level of r...
by TheTimeLord
Tue May 14, 2019 6:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

bearcub wrote:
Tue May 14, 2019 6:16 am
I have balanced funds. I do nothing. Let Vanguard rebalance for me.
Do you have them in your taxable accounts?
by TheTimeLord
Mon May 13, 2019 10:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

Got it. NLY is indeed a very different animal than VNQ. Like VNQ, not a big down day today compared to the broad stock markets, at about -0.6% (price = 9.56). However, unlike VNQ, it's down about -11.3% from its 52-week high, and only about 0.6% above its 52-week low of 9.50, which was earlier toda...
by TheTimeLord
Mon May 13, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

At the very least I think I will take advantage of any pullback to sell some equities in my tax deferred accounts and buy an equal amount in my taxable accounts.
by TheTimeLord
Mon May 13, 2019 3:24 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

If one worries about the stock market returning sub 0 for decades then one should convert everything they own to a SPIA. As for me, I keep 10 years of expenses in bonds, CDs, and money market; and the rest is in stock. I base my future on available data which show market declines have never exceede...
by TheTimeLord
Mon May 13, 2019 3:22 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

ONE MORE YEAR ONE MORE YEAR {everyone now} ONE MORE YEAR!!! If you never quite working, you never have to worry about retirement. Problem solved. This really isn't a factor on if I work any longer or not. I am just trying to understand the comment frequently made on this forum when someone makes th...
by TheTimeLord
Mon May 13, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

veggivet wrote:
Mon May 13, 2019 1:49 pm
Yup, they'll be back in September, if they follow the adage...
Actually its November.
by TheTimeLord
Mon May 13, 2019 11:25 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

TheTimeLord, are you concerned about U.S. and/or global markets having performance similar to Japan's? Contrary to what many believe, Japan is still operating just fine as a country despite their stock market having had negative cumulative returns for the last 30 years. I don't know where this quot...
by TheTimeLord
Mon May 13, 2019 11:18 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

TheTimeLord, are you concerned about U.S. and/or global markets having performance similar to Japan's ? Contrary to what many believe, Japan is still operating just fine as a country despite their stock market having had negative cumulative returns for the last 30 years. Personally, I am not but th...
by TheTimeLord
Mon May 13, 2019 10:49 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

SS comes nowhere into my retirement planning. I am in my 30's. It will be either greatly reduced or have a significantly older eligibility age when it comes time for me to use it. Clearly you can believe what you wish but SS is the most popular entitlement there is, and it's not going anywhere. The...
by TheTimeLord
Mon May 13, 2019 10:18 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Re: Does your retirement plan work if stocks are flat or in decline for decades?

ONE MORE YEAR ONE MORE YEAR {everyone now} ONE MORE YEAR!!! If you never quite working, you never have to worry about retirement. Problem solved. This really isn't a factor on if I work any longer or not. I am just trying to understand the comment frequently made on this forum when someone makes th...
by TheTimeLord
Mon May 13, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Swedroe & Kitces recommend government bonds, Vanguard aggregated bonds. What's better?
Replies: 19
Views: 1714

Re: Swedroe & Kitces recommend government bonds, Vanguard aggregated bonds. What's better?

I believe the answer you are looking for is 42.

But I do believe it is reasonable to suggest the less risk you take in your Fixed Income allocation the more risk you can take in your Equity allocation. Or in my favorite golf analogy, if you are going to layup then layup.
by TheTimeLord
Mon May 13, 2019 9:36 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10313

Does your retirement plan work if stocks are flat or in decline for decades?

From everything I can tell for the BH philosophy to work you have to believe over the long term stocks will move from lower left to upper right. That said it is very common in threads to see a post that disputes this as a valid assumption and cites non-US examples like Japan, Argentina, Venezuela an...
by TheTimeLord
Mon May 13, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

Let's get ready to rumble. Trade war in full swing. Sell in May and go away?? :confused When the indexes went positive last Friday I took the opportunity to lightened up on equities. This morning's futures are making that look like a good call but only time will tell. I'm in a 51% marginal tax brac...
by TheTimeLord
Mon May 13, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in free fall

J G Bankerton wrote:
Mon May 13, 2019 7:30 am
Let's get ready to rumble. Trade war in full swing. Sell in May and go away?? :confused
When the indexes went positive last Friday I took the opportunity to lightened up on equities. This morning's futures are making that look like a good call but only time will tell.
by TheTimeLord
Sat May 11, 2019 10:21 am
Forum: Personal Investments
Topic: Evaluating Pension Options
Replies: 16
Views: 724

Re: Evaluating Pension Options

A couple of things to factor into your decision that would be hard to quantify; 1) For many people doing Roth conversions before they start Social Security makes a lot of sense. If you take the leveling option you may not be able to do that. 2) Likewise some people will structure their income to be...
by TheTimeLord
Sat May 11, 2019 10:13 am
Forum: Personal Investments
Topic: Evaluating Pension Options
Replies: 16
Views: 724

Re: Evaluating Pension Options

When I retired my HR group provided several pension benefit reports detailing how each would be paid out including a present worth analysis of each. I would ask them for whatever they may be able to provide you. They will need your estimated retirement date and date at which you want the benefits t...
by TheTimeLord
Sat May 11, 2019 9:47 am
Forum: Personal Investments
Topic: Evaluating Pension Options
Replies: 16
Views: 724

Re: Evaluating Pension Options

My pension had several options. 1) pension amount for your life. 2) pension amount for your life at 100% and spousal coverage at 25, 50, 75 or 100%). 3) pension plus your social security amount paid between retirement. The social security amount paid by the employer stops at age 65 and the pension ...
by TheTimeLord
Sat May 11, 2019 9:36 am
Forum: Personal Investments
Topic: Evaluating Pension Options
Replies: 16
Views: 724

Re: Evaluating Pension Options

I will be eligible for a small but not insignificant pension. I have always assumed it would just pay a COLAd amount for the rest of my life and that's that. Recently I took note of an option that pays larger amount from until FRA then little to nothing after depending on when I take it. The option...