Search found 17 matches

by tman9999
Fri Oct 27, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal Rate Conundrum
Replies: 12
Views: 1579

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: 2750

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: Investing - Help with Personal Investments
Topic: Looking for paid fiduciary retirement planning help
Replies: 3
Views: 403

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: Investing - Help with Personal Investments
Topic: Looking for paid fiduciary retirement planning help
Replies: 3
Views: 403

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: Investing - Help with Personal Investments
Topic: United Income
Replies: 0
Views: 271

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: 3315

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: 3315

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: Investing - Help with Personal Investments
Topic: When do you have enough to pay off a mortgage?
Replies: 50
Views: 8999

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: Investing - Help with Personal Investments
Topic: How would you invest $100k today?
Replies: 12
Views: 2707

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: Investing - Help with Personal Investments
Topic: How would you invest $100k today?
Replies: 12
Views: 2707

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: Investing - Help with Personal Investments
Topic: How would you invest $100k today?
Replies: 12
Views: 2707

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: Investing - Help with Personal Investments
Topic: Need help-major portfolio rebalance
Replies: 3
Views: 933

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: Investing - Help with Personal Investments
Topic: Need help-major portfolio rebalance
Replies: 3
Views: 933

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: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2273

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: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2273

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: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2273

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: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 8
Views: 2273

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 ...