Search found 32 matches

by tman9999
Mon Jul 08, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 753
Views: 222632

Re: Retiree Portfolio Model

Since I do my own taxes and financial planning I could use some help with with my RPM model. Before I start doing ROTH conversions for this tax year and planning for subsequent years, I'd love for someone to sanity check my inputs as well as confirm the conclusions I've reached based on the outputs....
by tman9999
Sat Jun 15, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Wealthfront to offer "Path" for free to the public
Replies: 6
Views: 1749

Re: Wealthfront to offer "Path" for free to the public

I was curious and gave it a try. I think it's basically just a Monte Carlo that uses your linked accounts and a few assumptions, not really anything different from the dozens of simulators out there that you have to manually enter your data into. There didn't seem to be much information about the a...
by tman9999
Thu Jun 13, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 753
Views: 222632

Re: Retiree Portfolio Model

Thanks!
by tman9999
Thu Jun 13, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 753
Views: 222632

Re: Retiree Portfolio Model

Hello there - just found this model after playing around with I-ORP for awhile, and I'm really liking it. Thank you! What attracted me to RPM in the first place was the Roth Conversion benefit estimator. My wife and I both have large tIRA accounts, and small RothIRA accounts; and we're about a year ...
by tman9999
Thu Jun 13, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Wealthfront to offer "Path" for free to the public
Replies: 6
Views: 1749

Re: Wealthfront to offer "Path" for free to the public

Any updates on this - how Path compares to Personal Capital? I've just started investigating both after taking advantage of WF's 2.51% no-fee savings account offer. Thinking about linking investment portfolios to WF Path to see what it tells me.
by tman9999
Sat Apr 20, 2019 10:39 am
Forum: Personal Investments
Topic: [401k Allocation]
Replies: 9
Views: 698

Re: [401k Allocation]

Neat article. What is in the green "Diversified" portfolio? Good question. The article doesn’t actually say, so I emailed the author (Randy Kurtz) and asked him. Here is his reply: The diversified portfolio mentioned is a hypothetical portfolio evenly weighted between U.S. stocks, U.S. bonds, Devel...
by tman9999
Fri Apr 19, 2019 12:30 pm
Forum: Personal Investments
Topic: [401k Allocation]
Replies: 9
Views: 698

Re: [401k Allocation]

It is just the time frame used, being the last 15 years. Overall there is almost no difference in total return. Speaking of timeframe...check out this great article (it's brief) about sequencing risk with a very simple yet illuminating set of comparison examples: https://www.fa-mag.com/news/range-o...
by tman9999
Sun Feb 24, 2019 5:57 pm
Forum: Personal Investments
Topic: Almost there - portfolio checkup
Replies: 6
Views: 1026

Re: Almost there - portfolio checkup

We are in the 24% tax bracket for the 2019 tax year. In 2020 we expect to be in the 12% (or possibly 22%) bracket since our only earnings will be from unqualified dividends and interest from the after-tax side of our portfolio. Regarding Roth conversions, I would not do any in the 24% bracket. Wail...
by tman9999
Sat Feb 23, 2019 6:34 pm
Forum: Personal Investments
Topic: Almost there - portfolio checkup
Replies: 6
Views: 1026

Re: Almost there - portfolio checkup

Thank you, @retiredg, for your reply, and suggestions/requests for clarification. In order to see what you have, we need to know what accounts you have and what is in them. See the link at the bottom of this message for how to show that. Please note that you should show each position as a percentage...
by tman9999
Fri Feb 22, 2019 3:58 pm
Forum: Personal Investments
Topic: Almost there - portfolio checkup
Replies: 6
Views: 1026

Almost there - portfolio checkup

I quit working last May, will turn 60 this fall, and my wife is 8 years younger than me, still working. We're hoping she can hang on for another year, and then she'll quit as well. I'm a bit concerned about funding the next 11 years (me=70, she=62), at which point I'll start SS, and we'll decide the...
by tman9999
Fri Feb 22, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts about defined outcome ETFs?
Replies: 12
Views: 1049

Re: Any thoughts about defined outcome ETFs?

Thank you! Been awhile since I've checked in here and just saw your message.
by tman9999
Tue Dec 04, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts about defined outcome ETFs?
Replies: 12
Views: 1049

Re: Any thoughts about defined outcome ETFs?

These are pretty pointless. If you want to buy downside protection for the S&P 500, the market for this is extraordinarily liquid. You just buy S&P 500 put options at the desired timeframe and strike price, and there's no shortage of sellers. That said, you have to pay for the positive skew. On ave...
by tman9999
Tue Dec 04, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939726

Re: U.S. stocks in freefall

I'm really not liking this market. Anyone else thinking its time to lighten up on equities? I'm really considering pulling out for a while. We'll be just fine collecting 3+% on our CDs for the rest of our life.. Just curious how you collect 3+% on CDs for the rest of your life. I'm aware of ladderi...
by tman9999
Tue Dec 04, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939726

Re: U.S. stocks in freefall

I'm really not liking this market. Anyone else thinking its time to lighten up on equities? I'm really considering pulling out for a while. We'll be just fine collecting 3+% on our CDs for the rest of our life.. Just curious how you collect 3+% on CDs for the rest of your life. I'm aware of ladderi...
by tman9999
Tue Dec 04, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts about defined outcome ETFs?
Replies: 12
Views: 1049

Any thoughts about defined outcome ETFs?

Any thoughts about so-called Defined Outcome ETFs that are tied to a particular index and designed to shield investors from drops up to a specified amount in that index, with capped upside returns should the index go up. Three examples: Innovator S&P Buffer (BJUL), Innovator S&P Power Buffer (PJUL) ...
by tman9999
Fri Oct 27, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal Rate Conundrum
Replies: 12
Views: 1623

Re: Withdrawal Rate Conundrum

I'm surprised no one has brought up inflation. This discussion is really about modeling. If you're going to eliminate the return on an investment and the effect of compounding over time; then you may as well eliminate inflation, and the effect it has on spending over time. I think this is what other...
by tman9999
Thu Oct 26, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: A bit more on Tontines
Replies: 10
Views: 2887

Re: A bit more on Tontines

Read http://www.npr.org/2017/10/26/560152250/a-case-for-tontines-a-morbid-mix-of-retirement-plan-and-lottery today on NPR and started wondering whether someone would figure out away to come up with a block-chain based tontine. And then I found https://tontinetrust.com . Huh. The guy behind it is in ...
by tman9999
Sat Oct 14, 2017 1:17 pm
Forum: Personal Investments
Topic: Looking for paid fiduciary retirement planning help
Replies: 3
Views: 446

Re: Looking for paid fiduciary retirement planning help

Thank you, hale2, for the confirm on the amount of time. And thanks, Sandtrap, for the pointers and encouragement. I just checked out i-ORB and Firecalc. Both very helpful, even if somewhat conflicting results. This forum is such an amazing resource!!

The journey continues. Thanks!
by tman9999
Sat Oct 14, 2017 11:47 am
Forum: Personal Investments
Topic: Looking for paid fiduciary retirement planning help
Replies: 3
Views: 446

Looking for paid fiduciary retirement planning help

Any thoughts on how many hours of work it should take an independent CFP to create a retirement withdrawal plan for us and review our portfolio to confirm AA and fund choices are directionally correct? We're 2-3 years away, in good health, and have our assets invested with a robo company that charge...
by tman9999
Fri Sep 22, 2017 10:33 am
Forum: Personal Investments
Topic: United Income
Replies: 0
Views: 326

United Income

http://www.investmentnews.com/article/20170911/FREE/170919999/morningstar-backs-new-retirement-calculator . Morningstar to buy United income I know this was discussed in a thread back in May. This article does a good job of explaining a little more about the data strategy that is going to be used w...
by tman9999
Mon Feb 14, 2011 11:47 am
Forum: Investing - Theory, News & General
Topic: Use social networking tactics to bring down a corporation??
Replies: 22
Views: 3388

Bringing down a corporation is one thing, modifying management's behavior and responsiveness to investors is another. The first I'm not so interested in and it doesn't sound like you really are, either. Thank you, Karamatsu, for your thoughtful - and thought-provoking - response. Yes, you are corre...
by tman9999
Fri Feb 11, 2011 3:32 pm
Forum: Investing - Theory, News & General
Topic: Use social networking tactics to bring down a corporation??
Replies: 22
Views: 3388

Use social networking tactics to bring down a corporation??

OK - as you can see by my post count I'm not a major Boglehead forum participant. But as the situation in Egypt continues to unfold (unravel?), I had a thought and this was the first group I thought of in terms of getting an informed response. What if the same sort of social mechanisms used to coord...
by tman9999
Sun May 09, 2010 11:25 am
Forum: Personal Investments
Topic: When do you have enough to pay off a mortgage?
Replies: 50
Views: 9055

Have you looked at the total amount of interest your will pay over the life of your mortgage, or the interest you will pay between now and the last payment? Excel or online calcs both offer simple ways to see this, and the number may or may not impress you one way or other. You can also model the ef...
by tman9999
Sun May 09, 2010 11:02 am
Forum: Personal Investments
Topic: How would you invest $100k today?
Replies: 12
Views: 2752

In light of what's going on in Greece, anyone have any perspectives on what will likely happen with Muni Bond funds in the next few months? Would now be a good time to jump into one? Or would it be a terrible time? Or is it less obvious than that?
by tman9999
Fri May 07, 2010 6:59 pm
Forum: Personal Investments
Topic: How would you invest $100k today?
Replies: 12
Views: 2752

For a 6 to 36 month investment, I would look at a short term tax-exempt bond for maybe half and leave the rest right where it is. But the best answer is any investment you plan to use in the next 5 years should be in cash, money market, or CDs. Why do you say tax-exempt bond fund without knowing th...
by tman9999
Fri May 07, 2010 4:41 pm
Forum: Personal Investments
Topic: How would you invest $100k today?
Replies: 12
Views: 2752

How would you invest $100k today?

Funds are in a taxable, 1.25% bank account now. Looking for max return, min risk (as usual) - this represents a fairly small percentage of overall portfolio, so I can afford to take some risk - say, 4 out of 10. Time horizon: optional - either short term (<6 mos), or medium term (6mos<invested<36 mo...
by tman9999
Mon May 03, 2010 2:25 pm
Forum: Personal Investments
Topic: Need help-major portfolio rebalance
Replies: 3
Views: 953

Re: Need help-major portfolio rebalance

tman9999, I can't say that it's suprising you want less complexity... I counted 29 holdings. :) 47.58% Taxable 21.58% Vanguard Total Stock Market Admiral (VTSAX) 13% Vanguard FTSE ex US Large (VFWIX) 13% Vanguard FTSE ex US Small (VFSVX) 22.76% His IRA 22.76% Bonds (need options) New money: $6,000 ...
by tman9999
Mon May 03, 2010 11:16 am
Forum: Personal Investments
Topic: Need help-major portfolio rebalance
Replies: 3
Views: 953

Need help-major portfolio rebalance

Greetings - after reading through the FAQ on how to ask this group for help I spent the weekend putting my info into the template, and am now ready to post it along with my questions (they are at the bottom). So here goes - thank you in advance for any input - I really want to get this done so I can...
by tman9999
Fri May 23, 2008 4:03 pm
Forum: Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2297

By the way, are you restricted in any way from selling IBM in your taxable account? That's 52% * 22.71% = 11.81% of your portfolio exposed to a single company. There may be various tax consequences, but I would get rid of it or shrink the position when your tax situation allows. Would need some sig...
by tman9999
Fri May 23, 2008 3:47 pm
Forum: Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2297

Re: Tax Efficiency

Please break down your portfolio like this: [snip] Please provided the requested information and we can give you a more comprehensive reply. Laura Thanks, Laura - here is the breakdown you requested: 52% taxable 29% Tom's IRA 17% wife's IRA 2% wife 401k Total of entire portfolio is 100% excluding e...
by tman9999
Fri May 23, 2008 3:21 pm
Forum: Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2297

Thank you for the welcome, and for taking a look PipeWarrior. I edited my initial post to correct my fed tax bracket (33%) and added wife's 401k holdings and options (surprisingly limited). See original post for that info. Welcome to the forum! What positions can you sell with losses or a minimal am...
by tman9999
Fri May 23, 2008 1:30 pm
Forum: Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2297

Portfolio Review Request

Greetings - I was just laid off work and am in job search mode. Had my 401k from previous employer rolled into my IRA, and now need to rebalance. Figured now was a good time to review portfolio, and also seek some input regarding optimizing tax consequences (current and long term) and expense ratio ...