Search found 8 matches

by dizzy
Thu Sep 03, 2009 1:02 am
Forum: Investing - Theory, News & General
Topic: What is your preferred withdrawal formula?
Replies: 25
Views: 4711

I divert dividends and interest to a VG MM fund. I figure I'm paying tax on them anyway, so I might as well spend it first. Then a fixed monthly "salary" EFT goes from MM to checking at our bank. The portfolio is a diversified indexed-based 50-50 mix. The overall yield is right around 3%, ...
by dizzy
Tue Aug 25, 2009 11:53 pm
Forum: Investing - Theory, News & General
Topic: The Decumulation Phase
Replies: 138
Views: 59438

Re: The Decumulation Phase

On the comment about the risk of the insurance company going under: Depending how deep you are in the red zone, the probability of running out of money holding an investment portfolio generally -at reasonable withdrawal rates- is 40% and higher. (about 45% at 5% initial withdrawal rate, 80% at 6% e...
by dizzy
Tue Aug 25, 2009 11:47 am
Forum: Investing - Theory, News & General
Topic: The Decumulation Phase
Replies: 138
Views: 59438

I've read a little bit of it so far, and its very interesting to see how annuities can help outsource some of the risk and improve performance, even in the green zone. However, I think some caution is in order when considering annuities. In Chapter 33 we see With a life annuity, both market risks a...
by dizzy
Mon Aug 24, 2009 10:46 pm
Forum: Investing - Theory, News & General
Topic: The Decumulation Phase
Replies: 138
Views: 59438

I've read a little bit of it so far, and its very interesting to see how annuities can help outsource some of the risk and improve performance, even in the green zone. However, I think some caution is in order when considering annuities. In Chapter 33 we see With a life annuity, both market risks an...
by dizzy
Fri Nov 21, 2008 10:54 pm
Forum: Investing - Theory, News & General
Topic: Dividend projections?
Replies: 8
Views: 1842

Neither of the 2 funds you mentioned pay much in the way of dividends. I hope you weren't counting on the distributions to pay the bills. Welcome to retirement. Equity dividend payments are an important part of our income. The portfolio is about 50-50. The bond/cd side pays about 4.5%, the stock si...
by dizzy
Fri Nov 21, 2008 7:25 pm
Forum: Investing - Theory, News & General
Topic: Dividend projections?
Replies: 8
Views: 1842

Dividend projections?

The bulk of my US equities are in VTCLX and VTSAX. VTSAX pays quarterly dividends, and VTCLX pays yearly. Is there any way to project the December dividend/share for these funds? Is yield times price per share a reasonable estimate? (divided by four for VTSAX since it pays quarterly)... Anyone have ...
by dizzy
Sat Oct 18, 2008 11:20 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Intermediate-Term Tax-Exempt Fund down?
Replies: 38
Views: 10162

I think a bond fund is best viewed as a fixed income investment. My monthly distribution from VCADX has been remarkably constant, the NAV and the yield typically balance each other out. I think this makes sense, since the underlying bond portfolio is throwing off a predictable $$ amount every month,...
by dizzy
Sat Apr 05, 2008 10:51 am
Forum: Investing - Theory, News & General
Topic: Are you concave or convex?
Replies: 26
Views: 6466

I think this terminology is clear in the mathematical sense. Given a stock that is going up, if you bet that its rate of increase will increase (i.e. it will accelerate), you are making a convex investment. If you bet that that the increases will slow, you are make concave one. Of course only one of...