Search found 3030 matches

by RadAudit
Thu Nov 15, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 7
Views: 1113

Re: Fisher Investments

Welcome to the forum.
steelerbacker wrote:
Thu Nov 15, 2018 12:39 pm
I was hoping to get some other peoples perspective on their interactions and hopefully history of using Fisher for just their retirement money.
You might want to use the Google search window on the thread title page for other BH Fisher Investments postings.
by RadAudit
Wed Nov 14, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Questions to late starters
Replies: 8
Views: 803

Re: Questions to late starters

I am not sure whether this is enough or not. I'd run a few numbers to see if I could get to the amount of money I needed by the time I wanted to retire. It's easier to hit a target if you know what it is. I am trying to see where I am standing comparing to my peer group Where you are compared to yo...
by RadAudit
Wed Nov 14, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Diving into DIY Investing
Replies: 1
Views: 244

Re: Diving into DIY Investing

Welcome to the forum. Congrats on the plan to simplify the portfolio. Timeline: Move funds out of Morgan Stanley into Vanguard IRAs in 2018. Roll his credit union CD into IRA when it matures in 2019. Roll her previous employer 401(k) into IRA when plan is unlocked in 2019. All good ideas Questions: ...
by RadAudit
Tue Nov 13, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: "What If You Retire At a Stock Market Peak?" - by Ben Carlson
Replies: 49
Views: 5722

Re: "What If You Retire At a Stock Market Peak?" - by Ben Carlson

Interesting read. But what does the nominal look like? Obviously 4% of 1MM is 40k, but if you can't live on 20K per year, and you're pulling 4% of 500k after a market crash, how does that look? Wouldn't you be pulling it from your bond allocation since, after stocks have tanked, it is overweight? I...
by RadAudit
Tue Nov 13, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 144
Views: 17637

Re: [Financial] Habits of the Rich

I would have to debate calling most people here rich. To me, rich is at the level when you are well past the FIRE stage (Financial Independence, Early Retirement). …. So, say, you live in a high COLA region where top 1% income is 200K. And your assets are allowing for a withdrawal rate that is 3-5x...
by RadAudit
Mon Nov 12, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Managing RMDs
Replies: 10
Views: 1040

Re: Managing RMDs

Welcome to the forum. I've never had this problem. But, I'd guess that some folks would suggest that you draw down the IRA to lower taxes in anticipation of when RMDs finally kick in. Additionally, I would suspect they might suggest that you consider money to be fungible and consider your two portfo...
by RadAudit
Sun Nov 11, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 144
Views: 17637

Re: Habits of the Rich

Bajadoc wrote:
Sun Nov 11, 2018 12:38 pm
Building personal wealth is one of the best things a person can do for ... their family.
Possibly. Just don't expect any expressions of gratitude for whatever sacrifices you have to make to achieve your goal.
by RadAudit
Fri Nov 09, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: The Perfect Portfolio for You
Replies: 27
Views: 4198

Re: The Perfect Portfolio for You

Good point.
by RadAudit
Thu Nov 08, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4612

Re: Would you still jump if you were ready, then the market dropped 50%??

I've been retired for eight years. Back then, I probably would of jumped in. However, thanks (?) to this forum, since then I've come across a few ideas that weren't on the radar at that time - you know, like planning :oops: Now, I wouldn't retire unless I had a sufficient number of years of residual...
by RadAudit
Thu Nov 08, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 131
Views: 9655

Re: Core-4 Investing is LIVE! It really is this time!

Now that all the threads are in the same spot, I'm just amazed at the strident opposition to a new (?) idea such as Core-4. Now, I'm not against spirited discussion; but, some of this is just my idea is better because I think so. Might have missed it; but, has anyone done a comparative analysis / ba...
by RadAudit
Tue Nov 06, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14543

Re: How much money are you leaving your kids after you die?

What my perfect situation is to set up some charity to give away money each year and they can have a set salary to administer that charity. That way they make some extra money by WORKING and hopefully lets them see the benefits of helping those less fortunate. Good luck. No offence but that sounds ...
by RadAudit
Tue Nov 06, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14543

Re: How much money are you leaving your kids after you die?

I don't know.* The probability is that I'll predecease my DW. I think I have enough for me / us to make it to the (my) end. After that, it all goes to the DW. She has no interest in investing and an ever increasing wish list of things to spend money on - the grandkids' education, more travel, more r...
by RadAudit
Tue Nov 06, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4661

Re: E. Jones/Vanguard and now Fisher Investments

I'd ask what is the asset allocation of his proposed portfolio for my situation. The reason is that the asset allocation is probably responsible for 90% of the variance in the return of the portfolio, IIRC. I'd also ask him how to achieve the proposed asset allocation with the fewest number of funds...
by RadAudit
Mon Nov 05, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 3911

Re: Post FiRE job...teaching??

you think teaching HS (or younger) will be EASIER then college courses? lol Biggest chuckle of the day. From what I hear from my daughter who has been teaching at a high school for close to 15 years, teaching high schoolers is a very trying experience. You might want to teach at a place where the s...
by RadAudit
Sun Nov 04, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 131
Views: 9655

Re: Core-4 Investing is LIVE! It really is this time!

Mr. Ferri, thanks for the idea of Core-4.

Seems as if I've been almost a Core-4 investor for some time - and at least for me it's worked (so far).

Thanks again.
by RadAudit
Sun Nov 04, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 3911

Re: Post FiRE job...teaching??

If you're financially independent then why would you want a job?? I don't want to start a cat fight. And, I concur with the general question that if you're FI why do you want to work? I just read a quote from MMM in the Sunday paper. (I'm sure there is a similar quote on the MMM website.) Apparentl...
by RadAudit
Sat Nov 03, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5206

Re: Brett Arends: Here's a simple way to beat a bear market

nisiprius wrote:
Fri Nov 02, 2018 12:52 pm
Better strategy: "sell down to your sleeping point" and stay there. ... now that you know what your risk tolerance really is, don't go back to having more risk than you can tolerate.
I agree. Now, if my sleeping point wouldn't keep dropping, we'd have this problem solved.
by RadAudit
Fri Nov 02, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: UK Investor - Rebalancing to Reduce Home Bias
Replies: 11
Views: 665

Re: UK Investor - Rebalancing to Reduce Home Bias

Welcome to the forum. I guess the question boils down to are you in agreement with Vanguard's assessment of the possible impacts of an over-weighted investment in UK stocks? If so, that might argue for a decrease in the weightings of UK stocks in your portfolio. Additionally, is there overlap in you...
by RadAudit
Thu Nov 01, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2201

Re: What does your gut tell you; RMD now or in December?

Follow your plan.

I take my RMDs in December from the bond side of the portfolio. Additionally, I'll rebalance the portfolio if and when it hits its rebalance bands, if I can sell stock funds at a profit.
by RadAudit
Thu Nov 01, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: porftolio advice, switch from ML
Replies: 3
Views: 425

Re: porftolio advice, switch from ML

Welcome to the forum. Questioning .. if theres better alternatives i should be considering. There are probably better alternatives. There are also an infinite number of alternatives that are worse. 13% international ( Id prefer less or not do at all) opinions? Lot of different opinions on the board ...
by RadAudit
Mon Oct 29, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Ancestry DNA changed my background
Replies: 32
Views: 4388

Re: Ancestry DNA changed my background

Until they updated their analysis, I used to be 18% Hispanic. Not anymore. Now, I'll have to give up my bullfighting classes. 😢
by RadAudit
Sat Oct 27, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Being true to my IPS, or violating it?
Replies: 22
Views: 2003

Re: Being true to my IPS, or violating it?

Well, at least you're thinking about changing your AA before a major downturn. I always found my willingness to assume the risk of investing wasn't as as high as I thought it was after a major downturn. :oops: If you are on track for achieving your goals within the time frame you want, I don't see a...
by RadAudit
Fri Oct 26, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard life strategy [UK]
Replies: 7
Views: 666

Re: Vanguard life strategy [UK]

Welcome to the forum.

What's the AA of the LifeStrategy 100? What funds do they invest in?

I'm not familiar with European investing. Maybe someone else will come along.
by RadAudit
Fri Oct 26, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8591

Re: What's Your Fixed Income Strategy?

mmnj, thanks for starting this thread. Years to retirement or already in retirement?(how many years in?) 71 years old, 8 years in retirement Fixed income allocation as part of total allocation (Equity/Fixed Income) 49% equity, 49% bonds, 2% money market Allocation within the fixed income allocation ...
by RadAudit
Thu Oct 25, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Making a substantial gift to a college
Replies: 27
Views: 2076

Re: Making a substantial gift to a college

I am thinking even longer term, potentially giving our kids (when they are born!) a leg up 20+ years down the road in the admissions race, Not a good idea. Doubt if your name on a building and a gift made 20 years ago will have much impact on the admission decision wrt your child. As I think about ...
by RadAudit
Thu Oct 25, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: "The market always comes back"
Replies: 20
Views: 4046

Re: "The market always comes back"

are the many quotes posted on this thread saying that if I retire at 65 (9 years) that I should not have any or very little money in the stock market? Hopefully, not exactly. What I would hope it means is that money you need in the next 4, 5, or 10 years shouldn't be in the stock market. (I hope bo...
by RadAudit
Wed Oct 24, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9367

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

You should have rebalancing rules Definitely. And, you should have rules for withdrawing from a portfolio, too. Two approaches come to mind. Search for the thread on McClung. He writes about Prime Harvesting. Other folks like Bernstein's Liability Matching Portfolio. As far as I can figure, both as...
by RadAudit
Wed Oct 24, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: The importance of writing it down (IPS) - and a Thank You!
Replies: 7
Views: 1291

Re: The importance of writing it down (IPS) - and a Thank You!

Welcome to the forum. You're saying it's not best in your opinion to let my stock allocation go down too far and not rebalance? I won't answer for David Jay. However, I will relate something that happened to me after retirement. I read McClung. https://www.bogleheads.org/forum/viewtopic.php?t=192105...
by RadAudit
Mon Oct 22, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market - Some say it’s possible?
Replies: 44
Views: 2783

Re: Timing the market - Some say it’s possible?

I read his background and philosophy and it’s intersting about the concept of using data to minimize losses in downturns and getting back in on the upswing Interesting idea. I don't follow it because I know I can't time the market. However, what I did do during the last downturn was to rebalance th...
by RadAudit
Sat Oct 20, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: How to take long trips?
Replies: 3
Views: 869

Re: How to take long trips?

Thanks for the replies. Looks as if the consensus answer is take shorter trips and / or unplug from the community as much as possible prior to shoving off.
by RadAudit
Thu Oct 18, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: How to take long trips?
Replies: 3
Views: 869

How to take long trips?

I received a cruise line's "wish book." (Never take a cruise, your mailbox will never be empty.) For a mere $250k +/-, you and a significant other can take a 245 day trip around the world. Avoiding the obvious concerns about cost, my concern is how does one manage to be away from home for 245 days? ...
by RadAudit
Tue Oct 16, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Boglehead student, advice for 65 year old Retiring Father
Replies: 30
Views: 3040

Re: 30 y/o Boglehead student, advice for 65 year old Retiring Father

David Jay wrote:
Tue Oct 16, 2018 5:10 pm
LS Conservative is a great choice. Only a 20% stock allocation, a 20% drop in the stock market is a 4% drop in asset value.
OP, good advice. But, you might want to check Vanguard's web site. LS Conservative Growth may be 40% stocks. Or, maybe I'm reading it wrong.
by RadAudit
Mon Oct 15, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing out of Target 2015 fund
Replies: 8
Views: 914

Re: Maturing out of Target 2015 fund

IIRC, right now Target Retirement 2015 is ~ 60% in bonds. I believe LifeStrategy Conservative Growth is also at 60% bonds. Might want to check the Vanguard website on my recollections before you start throwing money at that idea.
by RadAudit
Mon Oct 15, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5059

Re: Kids not interested in money / allowance

petrisunset wrote:
Mon Oct 15, 2018 1:51 pm
None of them has any interest in money.

This will change.
by RadAudit
Sun Oct 14, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement funds
Replies: 5
Views: 706

Re: Vanguard Retirement funds

Welcome to the forum.
raoul wrote:
Sun Oct 14, 2018 5:30 am
I'm glad that I wound up investing in the funds he actually began years ago....
A some of us are quite happy with a number of Vanguard's funds
by RadAudit
Sat Oct 13, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19472

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

I am absolutely fascinated by these threads that essentially boil down to what is the least amount of money I have to accumulate to spend the most money I can for as long as I live.

I don't see how you can ever get a definitive answer to that question.
by RadAudit
Thu Oct 11, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: "Do not invest with Vanguard if you are a market-timer." - Vanguard
Replies: 12
Views: 2630

Re: "Do not invest with Vanguard if you are a market-timer." - Vanguard

In order to discourage market timing, maybe they just have server issues. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=261006&newpost=4159768&view=unread#unread :wink: Which sort of raised the question of how many people can squeeze through the same door at the same time if everyone wants t...
by RadAudit
Thu Oct 11, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5272

Re: Feeling Guilt among family/peers

OP, I think you should revisit Celia's comments. Especially the ones about getting on the same page as your fiancee.
by RadAudit
Wed Oct 10, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4556

Re: When stocks and bonds drop at the same time, what do you do?

The fun thing about this situation is by the time you figure out it's more than a correction (>10% drop in stocks), you are fairly close to a bear market (20%). And then, you have to concern yourself with how far is it going to drop this time. Or, more to the point, how much are you going to lose be...
by RadAudit
Tue Oct 09, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4622

Re: Should I, and how, act on changes in managing diet and health?

I don’t think that Type 2 diabetes will disappear, but I wonder if it might become less profitable for pharmaceutical companies. Probably not. I've been working the NIH's (?) Type 2 prevention program for more than 1 1/2 years. Simple plan. Eat less, exercise more. Or, calories out > calories in. N...
by RadAudit
Tue Oct 09, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4965

Re: You know you’re a Boglehead when. . .

OP, thanks for the post.
by RadAudit
Mon Oct 08, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Renovation vs. Move
Replies: 11
Views: 856

Re: Renovation vs. Move

Move. Just an uniformed, non-financial observation. Personal experience: We've been remodelling the house for more than a year. Nothing major. No change in the physical foot-print. No major internal structural footprint changes (moved a doorway, took out a half-wall). However, on this go-round, we h...
by RadAudit
Sat Oct 06, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 135
Views: 17353

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

What I’ve seen is couples who received financial help from their parents to maintain their lifestyle, but who will not be in a position to provide the same kind of help to their children. In other words, the grandparents are affluent but not wealthy enough to pass on substantial help/inheritances t...
by RadAudit
Fri Oct 05, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Jack's Wisdom: What's next for the market and what to do about it
Replies: 8
Views: 1143

Re: Jack's Wisdom: What's next for the market and what to do about it

What about lightening up on stocks? “It all depends on your financial ability and emotional ability to withstand a market decline,” he says. “It’s probably wise to sell to the sleeping point.” Selling stocks down to the point you can sleep at night has usually made good sense. Something about need,...
by RadAudit
Wed Oct 03, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation question: How to include farm rental income in my model?
Replies: 9
Views: 573

Re: Asset allocation question: How to include farm rental income in my model?

Welcome to the forum. Opinions will differ on this one. Some will argue that with a steady income (rental, SS, pension, high salary, etc.) one can afford to take a more aggressive asset allocation. Others will argue that the asset allocation has more to do with portfolio management to meet future go...
by RadAudit
Tue Oct 02, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Washington DC with Side Trips Mount Vernon & Monticello Advice
Replies: 11
Views: 800

Re: Washington DC with Side Trips Mount Vernon & Monticello Advice

Not an experienced traveler. However, I've been to C'ville a number of times from the Tidewater area. Based on distance alone, from DC to C'ville and back plus a tour of Monticello would take the good part of a day. And, from DC to Mount Vernon and back and a tour of the house and grounds would prob...
by RadAudit
Tue Oct 02, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 135
Views: 17353

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

I guess I just don’t want to retire at 55 or 56 and then hit 61 realizing I don’t have enough money and am going to be walking dogs until I am 70. I'm 71. I see folks everyday at the track walking dogs. Looks like a good form of low stress exercise - and you'd get paid, too! Think of it as a side h...
by RadAudit
Sun Sep 30, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8576

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

OTOH, instead of trying to become mega-rich you might want to try for enough. (However defined.) Those who try for that goal usually end up more satisfied with the outcome - or, at least that's what I'm told. Mega-rich is an ever retreating goal that's always just out of reach. Enough is something y...