Search found 235 matches

by 50ismygoal
Sat Nov 07, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: When to buy a retirement home in another state?
Replies: 34
Views: 3014

Re: When to buy a retirement home in another state?

I believe a lot of folks on this forum will advise against a mortgage in retirement, and they’ll advise you to rent in your new area before buying. But there are so many variables that are personal on these things.
by 50ismygoal
Sun Oct 25, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: Tour of New England- help me plan
Replies: 58
Views: 2918

Re: Tour of New England- help me plan

Narragansett, RI.
by 50ismygoal
Tue Oct 20, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: retirees? fixed amount vs fixed %
Replies: 39
Views: 2451

Re: retirees? fixed amount vs fixed %

I retired in 2017. My original plan was the standard 4% rule, your option 1. Because I ended up working part time, my actual withdrawal is much less than 4%. But I’m gravitating towards using 5% of portfolio balance, once I’m I longer working and fully retired.
by 50ismygoal
Sat Oct 03, 2020 8:15 am
Forum: Personal Investments
Topic: Should I be using money market funds instead of bonds?
Replies: 24
Views: 2206

Re: Should I be using money market funds instead of bonds?

This year I shifted most of my portfolio’s fixed income allocation to money market (in my IRA) and Ally savings in taxable. Fixed income is 50% of my AA (I’m retired), and now 80% of that is in these cash vehicles and 20% is in short and intermediate term bond funds. I didn’t make this change becaus...
by 50ismygoal
Tue Sep 01, 2020 8:14 am
Forum: Personal Investments
Topic: Bond allocation
Replies: 10
Views: 1091

Re: Bond allocation

Most of the responses to the many posts like this imply that the OP either must keep their bond holdings as-is, or they will change their AA and buy more equities with what used to be bond funds. But I’d love to see more comments related to the risks of shifting bond funds, not to equities, but to o...
by 50ismygoal
Thu Jul 30, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: Barron’s article on bonds
Replies: 89
Views: 5858

Re: Baron article on bonds

I’ve been shifting my bond fund money, which had been in BIV and BSV, to MM and Ally savings, since the start of the year. I’ve had a good run, and don’t mind potential missed opportunities if interest rates go lower. From what I’ve read, my cash won’t lag terribly behind inflation should inflation ...
by 50ismygoal
Thu Jun 18, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Re: Cash in lieu of bonds

KlangFool, I have roughly 14 years of expenses in cash, 3 in bonds and 16 in equities. My cash will hold flat regardless of interest rates, other than slight additions if rates stay the same or rise, and slight reductions if they go negative. Bond funds will increase in NAV if rates drop, and the re...
by 50ismygoal
Thu Jun 18, 2020 4:40 pm
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Re: Cash in lieu of bonds

I was hoping someone would show why this paper was incorrect, but that hasn’t been the case.
by 50ismygoal
Thu Jun 18, 2020 3:23 pm
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Re: Cash in lieu of bonds

Van, the link was meaningful to me because I see a lot of comments here to the effect that any cash you hold is at risk due to inflation, but that paper makes a good case that cash can hold up reasonably well through inflation. I haven’t seen any comments here refuting his claim.
by 50ismygoal
Thu Jun 18, 2020 5:15 am
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Re: Cash in lieu of bonds

IndexCore, you got to the core of my question/point, which is over the difference between having “safe” money in bonds v cash. I just don’t think it matters. Thanks.
by 50ismygoal
Wed Jun 17, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Re: Cash in lieu of bonds

Another thing I should have put in my original post, I’m retired and plan on withdrawing a fixed percentage from my portfolio, so a drop in principal, even if it will come back as interest rates change, is something I want to avoid. If my stocks drop, I’d really hate to watch my bonds drop right alo...
by 50ismygoal
Wed Jun 17, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Re: Cash in lieu of bonds

Tibbits, I see a lot of posters suggesting moving from bond funds to “cash” is a mistake, but this paper really explains why “cash” might be a good move for those of us who don’t want our principal to drop, even temporarily, on the “safe” side of our asset allocation.
by 50ismygoal
Wed Jun 17, 2020 10:01 am
Forum: Investing - Theory, News & General
Topic: Cash in lieu of bonds
Replies: 55
Views: 5428

Cash in lieu of bonds

This link was on a post from ScubaHog on another thread. I guess this is why I sold much of my bond funds (BIV and BSV) and put that money into Ally and Vanguard MM accounts. This paper tells me there’s not much risk to that type of move. What do you think? https://portfoliocharts.com/2017/05/12/und...
by 50ismygoal
Sun Jun 14, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: 30% equity 70% cash allocation as Barclay's Agg Bond Surrogate
Replies: 14
Views: 940

Re: 30% equity 70% cash allocation as Barclay's Agg Bond Surrogate

For those wrestling with this who choose cash (CDs, MM accounts, online savings), if rates rise down the road, isn’t buying those funds at the lower prices, and benefiting from the higher rates, a good thing? And yes, rates could go a little lower, but how much downside risk for rates is there left?...
by 50ismygoal
Sat Jun 13, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed percentage withdrawal rate
Replies: 17
Views: 1160

Re: Fixed percentage withdrawal rate

Marcopolo, I’ll try that, thanks!
by 50ismygoal
Sat Jun 13, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Fixed percentage withdrawal rate
Replies: 17
Views: 1160

Re: Fixed percentage withdrawal rate

Aristotlelian and RandomGuy, thanks for these responses. Very helpful.
by 50ismygoal
Sat Jun 13, 2020 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Fixed percentage withdrawal rate
Replies: 17
Views: 1160

Re: Fixed percentage withdrawal rate

Thanks for all the replies. It could be what I’m looking for doesn’t exist. I’ll just use 4% as a guide, even though if I know I can contract spending in down market years as opposed to raising it by inflation rate, the withdrawal percentage should be higher.
by 50ismygoal
Fri Jun 12, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed percentage withdrawal rate
Replies: 17
Views: 1160

Re: Fixed percentage withdrawal rate

Mr. Rumples, thanks for sharing that calculator. But how did you arrive at 2.8%? Surely there must be some objective method to determine t(e withdrawal percentage on a fixed amount.
by 50ismygoal
Fri Jun 12, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed percentage withdrawal rate
Replies: 17
Views: 1160

Fixed percentage withdrawal rate

I hoped this would come up in another active post regarding “confusion over 4% rule” but it hasn’t. If one wanted to use a fixed percentage withdrawal rate in retirement as mentioned in the wiki, how would one determine the rate to use. Right now, my plan between now (I’m 53) and 60, my plan is to w...
by 50ismygoal
Fri Jun 12, 2020 6:22 am
Forum: Investing - Theory, News & General
Topic: Confusion about the 4% rule
Replies: 98
Views: 5837

Re: Confusion about the 4% rule

I’ve wrestled with the point the OP is making too. I like the idea of VPW but, beyond the chart on the wiki, the spreadsheet is pretty complex. Is there a similar chart for the constant percentage withdrawal method? At this point, in early retirement (I retired at 50 and am now 53) I’m thinking I’ll...
by 50ismygoal
Sat Jun 06, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: Are any market timers cashing out soon?
Replies: 74
Views: 8115

Re: Are any market timers cashing out soon?

I was 50/50 equities/bonds at the peak, and when the drop started I began to shift from bonds (BIV) to stocks in my IRA to the point my AA was around 65/35. As stocks began to rise I slowly sold but unloaded all of what I bought over the past week, so I’m close to my 50/50 AAand my portfolio is a bi...
by 50ismygoal
Sat Jun 06, 2020 4:37 pm
Forum: Personal Investments
Topic: Struggling with bonds in AA
Replies: 29
Views: 2972

Re: Struggling with bonds in AA

I went through this same thing. I used to be 50% equities, 50% bonds. I thought about doing 50% equities, 25% bonds and 25% cash, but I’ll prob end up 50/50 equities/cash. Although I have some short term and intermediate term bonds so I may end up 50/10/40 equities/bonds/cash.
by 50ismygoal
Mon May 04, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: Hyundai Kona?
Replies: 17
Views: 1590

Re: Hyundai Kona?

I was an early adopter and my Kona is coming up on two years old. It’s a great vehicle. It was my first Hyundai, and I was really leaning towards a Honda HRV. But I’m so glad I went with the Kona.
by 50ismygoal
Thu Apr 23, 2020 7:31 am
Forum: Investing - Theory, News & General
Topic: Are you a market timer if you sit on cash?
Replies: 26
Views: 2284

Re: Are you a market timer if you sit on cash?

I wrestled with this as well. My asset allocation was/is 50/50, but with my bond funds at highs, and with interest rates so low, I see little risk having 50% equities, 25% bonds, 25% cash.
by 50ismygoal
Sat Apr 18, 2020 5:34 am
Forum: Personal Investments
Topic: 2 late 4 bonds?
Replies: 12
Views: 1595

Re: 2 late 4 bonds?

I wrestle with this. I’m slowly selling some of my bond positions and moving that money to money market funds. My risk is that bond funds rise in value and I lose out on capital gains, but I think it’s more likely that bond funds lose value. I know this is market timing. I’m ok with that. If interes...
by 50ismygoal
Fri Apr 10, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Money Market rates and inflation
Replies: 11
Views: 670

Re: Money Market rates and inflation

SimpleGift, thanks for the post. For the “safe” 50% of my portfolio, I’m putting 50% in MM funds and 50% split between BIV and BSV, and I think even this “half”, while it might not perform as good as stocks in an inflationary period, will be OK.
by 50ismygoal
Fri Apr 10, 2020 9:01 am
Forum: Investing - Theory, News & General
Topic: Money Market rates and inflation
Replies: 11
Views: 670

Re: Money Market rates and inflation

Thanks all for the feedback, much appreciated.
by 50ismygoal
Fri Apr 10, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: Money Market rates and inflation
Replies: 11
Views: 670

Re: Money Market rates and inflation

Alex, but what is the cost if MM rates float close to inflation rate? If they rise slightly lower than the inflation rate, then I guess that’s the price, but the “safety” factor might be worth that price.
by 50ismygoal
Fri Apr 10, 2020 8:12 am
Forum: Investing - Theory, News & General
Topic: Money Market rates and inflation
Replies: 11
Views: 670

Money Market rates and inflation

The danger of holding too much cash seems to be that it will lose value if inflation rises. But if the cash is held in Money Market funds, won’t the interest rates those funds pay also rise? I have a 50/50 asset allocation, with half of the “safe” 50 in bonds (BSV and BIV) and half in Vanguards Fede...
by 50ismygoal
Tue Mar 24, 2020 4:40 pm
Forum: Investing - Theory, News & General
Topic: Fixed Income Portfolio Composition and TIPS
Replies: 8
Views: 517

Re: Fixed Income Portfolio Composition and TIPS

dbr, is VTIP also state tax-exempt?
by 50ismygoal
Tue Mar 24, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: Fixed Income Portfolio Composition and TIPS
Replies: 8
Views: 517

Re: Fixed Income Portfolio Composition and TIPS

How are we defining TIPs? VTIP?
by 50ismygoal
Fri Mar 20, 2020 6:32 pm
Forum: Personal Investments
Topic: Total Bond Market to Money Market?
Replies: 19
Views: 2612

Re: Total Bond Market to Money Market?

I wrestled with this, only I was in short and intermediate term funds (BSV and BIV), so I compromised and kept half in those funds and the other half in MM. so now my portfolio is 50% stocks, 25% bonds and 25% cash.
by 50ismygoal
Thu Mar 19, 2020 5:07 pm
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6500

Re: When will S&P 500 go back to 3386 ?

June 30, 2020, around 2:00 p.m. Eastern.
by 50ismygoal
Wed Mar 18, 2020 11:30 am
Forum: Personal Investments
Topic: Bonds to Cash, downside?
Replies: 16
Views: 1409

Re: Bonds to Cash, downside?

Thanks. Encouraging responses, which is what I guess I was looking for.
by 50ismygoal
Wed Mar 18, 2020 10:45 am
Forum: Personal Investments
Topic: Bonds to Cash, downside?
Replies: 16
Views: 1409

Re: Bonds to Cash, downside?

dbr, yes, definitely timing here. But my thinking is that while rates can go lower, there’s some realistic limit as to how low. I think everyone would agree rates have more room to run up than down. I guess I’m buying some stability at the expense of possible increased long term return.
by 50ismygoal
Wed Mar 18, 2020 10:11 am
Forum: Personal Investments
Topic: Bonds to Cash, downside?
Replies: 16
Views: 1409

Bonds to Cash, downside?

I have a 50/50 portfolio but have been moving some of my bond allocation to equities over the past month or so, slowly with small chunks. My portfolio right now is about 55/45. But today I sold half of my bonds (BIV and BSV) and will leave those funds in Federal MM account. My thinking is that I saw...
by 50ismygoal
Tue Mar 17, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: BIV fell 2.4% today. Why?
Replies: 9
Views: 902

BIV fell 2.4% today. Why?

Why would the Intermediate Term Bond Index ETF fall 2.4%? That’s a large one day drop for this fund.
by 50ismygoal
Wed Mar 11, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: Any 50+ year olds buying?
Replies: 53
Views: 3922

Re: Any 50+ year olds buying?

I retired 3 years ago, at age 50, with a 50/50 portfolio. At the highs in February, my portfolio was actually closer to 47/53. Since this panic started I’ve slowly sold bonds and bought stocks, and now I’m around 53/47. I’ll continue to buy stocks (VOO) and sell bonds (BIV) in my IRA as stocks conti...
by 50ismygoal
Mon Feb 24, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard's web site is down
Replies: 24
Views: 3063

Re: Vanguard's web site is down

Worked for me just after 9:30 as I bought some VOO and VXUS.
by 50ismygoal
Fri Dec 27, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Public transit in South Florida
Replies: 4
Views: 450

Re: Public transit in South Florida

PaunchyPirate, thanks much!
by 50ismygoal
Fri Dec 27, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Public transit in South Florida
Replies: 4
Views: 450

Public transit in South Florida

I’ll be spending a week in Hollywood, FL, in March. I won’t have a car so I’ll use Uber or the local trolley if I need to venture a few miles from where I’m staying. But if I want to travel to Miami, or somewhere more than a few miles from where I’m staying, what is the best way to travel. Amtrak? B...
by 50ismygoal
Mon Nov 25, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Password compromise issue
Replies: 12
Views: 1248

Password compromise issue

I got an email on Saturday morning that startled me. 30 years ago I was issued a 4 digit code for a bank atm card. Later I was issued a 4 digit alphabetical code for graduate school. Since then I’ve conjoined these into one 8 digit alphanumerical code for my passwords, adding a suffix of a character...
by 50ismygoal
Mon Nov 11, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1937

Re: VPN % question

Done.
by 50ismygoal
Mon Nov 11, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1937

Re: VPN SWR % question

Longinvest, much appreciated.
by 50ismygoal
Mon Nov 11, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1937

Re: VPN SWR % question

Dottie, I’ve figured out how to use it, but I don’t understand the results. It shows an initial withdrawal amount that is much larger than the rate of 4.1% listed. The withdrawal amount seems to jump when I enter my SS info, to be taken in 18 years. I can’t seem to find anything that explains how to...
by 50ismygoal
Mon Nov 11, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1093
Views: 357301

Re: Variable Percentage Withdrawal (VPW)

I figured out how to use Sheets via Safari with this link. But I’m confused about the numbers. The calculator says my withdrawal amount is much higher than I’m planning on or needing, but the percentage shown (4.1%) is closer to my expectations. The withdrawal amount jumps significantly when I enter...
by 50ismygoal
Mon Nov 11, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1937

Re: VPN SWR % question

I figured out how to use Sheets via Safari with this link. But I’m confused about the numbers. The calculator says my withdrawal amount is much higher than I’m planning on or needing, but the percentage shown (4.1%) is closer to my expectations. The withdrawal amount jumps significantly when I enter...
by 50ismygoal
Mon Nov 11, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1937

Re: VPN SWR % question

I’ll try Chrome, which I’ve never used, thanks!
by 50ismygoal
Sun Nov 10, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1937

Re: VPN SWR % question

Perhaps because I’m doing this on an iPad, I can’t seem to make a go of it.