Search found 2689 matches

by RadAudit
Wed Jan 17, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 81
Views: 4767

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Behaviors? Just before one crash ago, there was a lot of talk about and news articles on getting rich on day trading. Also news articles on people going off the deep end and shooting anything that moved in a day trading parlor. I don't expect a recurrence of that, this time. Before that, people were...
by RadAudit
Tue Jan 16, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: “Future US Equity Returns: A Best-Case Upper Limit”
Replies: 20
Views: 1579

Re: “Future US Equity Returns: A Best-Case Upper Limit”

Interesting article. Thanks for the post.

On a personal note, it is humbling to realize that I am responsible for so much of my retirement portfolio and know so little when compared to this guy. On the upside, some financial advisors know may know less and charge more.
by RadAudit
Thu Jan 11, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4395

Re: Help me stop my addiction to stock market peeping!

I use to have this problem. It'll go away after awhile.

If your AA is right for you and you are a BHer, go cold turkey. I recommend a long cruise with unsecured internet service. You won't want to look.
by RadAudit
Thu Jan 11, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: How many years of fixed income for Sequence of Return Risk
Replies: 26
Views: 1931

Re: How many years of fixed income for Sequence of Return Risk

Many different opinions on this one. The Trinity Study - or one of its offshoots - has some beautiful tables on SWRs, asset allocations and probability of success. One follow up had a set of tables with the same thing and a target if you wanted to estimate how much money you wanted to leave your hei...
by RadAudit
Thu Jan 11, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to downsize but still too much stuff
Replies: 49
Views: 4428

Re: Trying to downsize but still too much stuff

Good advice, so far.

I've always heard that two moves was as good as a fire for downsizing. Seems a little extreme. Best of luck.
by RadAudit
Fri Jan 05, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: How Many Stocks Are Really Needed in Index Funds?
Replies: 52
Views: 3028

Re: How Many Stocks Are Really Needed in Index Funds?

But for the average investor, does it matter how closely you track it? Tracking error is a real concern to a number of folks. The lower the tracking error the better, even for us very small investors. My concern is that if I'm making projections for the amount of money I'm going to need to live on ...
by RadAudit
Thu Jan 04, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: How Many Stocks Are Really Needed in Index Funds?
Replies: 52
Views: 3028

Re: How Many Stocks Are Really Needed in Index Funds?

The short answer is you need enough stocks to track the index very closely. As I recall from years ago, the S&P 500 accounted for 80% of the total market. The other 3000 stocks got the next 20%. Don't know if those numbers still hold from when the total market had more than 5000 stocks. My other gue...
by RadAudit
Thu Jan 04, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: What strategy do you use to reduce sequence of returns risk in retirement?
Replies: 117
Views: 7224

Re: What strategy do you use to reduce sequence of returns risk in retirement?

OP, thank you for starting this thread. There is no optimal withdrawal strategies. Somehow, oddly enough, that makes it all a lot clearer. My strategy for reducing sequence of returns risk has been to make sure, as best I can that our "normal" day-to-day expenses are met by something resembling "gua...
by RadAudit
Wed Jan 03, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?
Replies: 35
Views: 2827

Re: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?

I'm going on 71 and I'm retired. I'm at 50 /50. One of the numbers I keep an eye on is number of years in residual living expenses (RLE) (Bernstein?) in bonds. Right now, that number is about 20 years. After that, the heirs are on their own. As for 50 / 50, after this bull run, I'm concerned that on...
by RadAudit
Tue Jan 02, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: New investor: confused by questions
Replies: 5
Views: 424

Re: New investor: confused by questions

Hi, I am a new investor and aspiring boglehead. I know the basic mechanics of stocks and other investment vehicles. In digging around the boglehead community, I came across the 3 fund approach to investing which made a lot of sense. I am also currently reading the Bogleheads Guide to investing. Giv...
by RadAudit
Mon Jan 01, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund (Roth) - Anti-Bogle?
Replies: 10
Views: 947

Re: TARGET FUND (ROTH) - Anti-Bogle?

Are Target Funds by their very nature anti-Bogle? No. Target funds use low cost (relatively) broad based index funds. They are designed to be held for the long term. Very Bogle-ish IMO. You have an interesting definition of high expense ratio. I thought high was closer to somewhere around 1% - if n...
by RadAudit
Sun Dec 31, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Index avoiding Very Long Bonds?
Replies: 14
Views: 1558

Re: Vanguard Total Bond Index avoiding Very Long Bonds?

Another possible explanation is that Total Bond is suppose to be / act like an intermediate bond fund.
by RadAudit
Sun Dec 31, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: What do you consider wealthy?
Replies: 28
Views: 2542

Re: What do you consider wealthy?

Ron wrote:
Sun Dec 31, 2017 9:23 am
Somebody with a dollar more than I have :wink: ...

- Ron
That was the consensus of opinion around the office where I use to be employed.
by RadAudit
Sat Dec 30, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: End of the year thinking about the value of work
Replies: 5
Views: 653

Re: End of the year thinking about the value of work

However, this outsized investment return is still smaller than our combined two year gross income. One thought - You're getting paid too much? :wink: I just finished up balancing the books on my portfolio for 2017. After all is said and done - income and outgoes - I think my portfolio will have inc...
by RadAudit
Fri Dec 29, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell current mutual funds and transition to three fund?
Replies: 6
Views: 538

Re: When to sell current mutual funds and transition to three fund?

When does one pull the trigger? If they're in tax advantaged accounts, exchange them for the 3 funds any time within those funds with no tax or market timing consequences. The funds are in a rollover IRA Well, in that case and assuming you have the AA you want all figured out, now would be a good t...
by RadAudit
Thu Dec 28, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5672

Re: The Growing Peril of Index Funds: Too Much Tech

The argument against indexing seems to be that since indexes are market-cap-weighted, they cause you to buy high and sell low You don't sell. it's impossible to rebalance when a particular sector or company outperforms the rest of the market. It's also extremely difficult to know consistently and i...
by RadAudit
Thu Dec 28, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at Age of 78
Replies: 7
Views: 1252

Re: Investing at Age of 78

lipets wrote:
Thu Dec 28, 2017 3:23 pm
so what 4 are you currently in?
Me?

Total Stock, Total Bond, Total International Stock, Total International Bond. Portfolio AA 50 / 50. Stocks 60 / 40. Bonds, essentially, 70 / 30. Fairly simple.
by RadAudit
Thu Dec 28, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at Age of 78
Replies: 7
Views: 1252

Re: Investing at Age of 78

I am looking for a portfolio that my wife can manage when I am deceased at least initially. Also one of my concerns. That's why I am thinking about either converting to one of the two funds noted below or leaving instructions for the DW to do the same. Have you considered the Target Retirement Inco...
by RadAudit
Wed Dec 27, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is it me or does everything seem expensive?
Replies: 47
Views: 5216

Re: Is it me or does everything seem expensive?

Dad, who was raised during the Depression, had a saying - "that nickel Coke will be the death of me yet." Everything was expensive to him.
by RadAudit
Wed Dec 27, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11747

Re: European Cities that don't interest you

The thing I liked about London some 44 years ago was the British Museum. With the Elgin marbles and the Egyptian mummies, you could avoid going to Athens and Egypt to see those sights and save money, too. Don't know if they've given them back, yet. They also had some Greek pottery straight out of yo...
by RadAudit
Wed Dec 27, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: The car dealership model needs to die
Replies: 85
Views: 4466

Re: The car dealership model needs to die

Just a matter of time before Amazon attacks this marketplace also. The dealerships have a lot of political clout. So while it feels like that should happen soon, maybe not. +1 on the timeline. I'm trying to remember the outcome on the cat fight between Tesla (?) and the car dealerships. Tesla (?) w...
by RadAudit
Tue Dec 26, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: how to "know" what asset allocation is right? (crypto windfall)
Replies: 39
Views: 4871

Re: how to "know" what asset allocation is right? (crypto windfall)

bertilak wrote:
Mon Dec 25, 2017 12:58 pm
For younger people with a small nest egg significant risk is needed to earn significant return. You don't need it. Don't take needless risk.
+1

With the money you're talking about, a more conservative AA than 90/10 is definitely called for.
by RadAudit
Mon Dec 25, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning investor questions
Replies: 9
Views: 817

Re: Beginning investor questions

I'd start with "Getting Started" on this site. Watch the videos. Read a few of the books. Then I'd read Taylor Larimore's (sp?) post on the Three Fund Portfolio - just the first post and its links on that thread. The important thing is to get your asset allocation right. Right being an asset allocat...
by RadAudit
Sun Dec 24, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6711

Re: Early retirement pros and cons:

Pro: You have a longer time of good health to do what is meaningful to you.

I just got a Christmas letter from an old friend. This year he had a stroke and his wife had a heart attack.

Tomorrow is not guaranteed.
by RadAudit
Sun Dec 24, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 107
Views: 6871

Re: Will you donate less to Charity?

I have never given to charity because of federal tax deductions. It was a nice benefit, but that was not the reason. I give because of needs. ... I will not give less from this point on because of the recent tax legislation. To the contrary, I will give a higher amount each year as I have in the la...
by RadAudit
Fri Dec 22, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: New Schwab spot: "Buy invididual stocks impulsively in the middle of the night!"
Replies: 12
Views: 1984

Re: New Schwab spot: "Buy invididual stocks impulsively in the middle of the night!"

WL2034 wrote: ↑Fri Dec 22, 2017 11:18 am You can tell by the stylish glasses he wears during the commercial that he is thoughtful and successful enough to beat the robots at investing. I just signed up for a Schwab account and moved my computer to the bedside so it is ready for my midnight epiphani...
by RadAudit
Fri Dec 22, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?
Replies: 20
Views: 2117

Re: Happy New Year. Congratulations on your progress! What success tips do we pass on to others?

The tips I plan to pass on to the kids are the same this year as they were last year. 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with...
by RadAudit
Wed Dec 20, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: TIPS and / or Total Bond Fund in AA?
Replies: 26
Views: 1643

Re: TIPS and / or Total Bond Fund in AA?

Thank you all for your discussions on this topic.
by RadAudit
Mon Dec 18, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS and / or Total Bond Fund in AA?
Replies: 26
Views: 1643

Re: TIPS and / or Total Bond Fund in AA?

I don't think there is any evidence that people with 50/50 stock/bond portfolios need to care whether or not part of that bond holding is in TIPS. Inflation might be the greatest risk for someone having a significant income stream in a fixed nominal pension or annuity. An effect of that is that wit...
by RadAudit
Mon Dec 18, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: TIPS and / or Total Bond Fund in AA?
Replies: 26
Views: 1643

TIPS and / or Total Bond Fund in AA?

I'm 70 years old and retired. I'm looking at modifying my IPS and AA at the end of the year. The current AA is essentially a four fund portfolio. 50 / 50 stocks / bonds. The stock side is 60 / 40 domestic / international. The bond side is 14% TIPS, 56% domestic and 30% international. Fairly simple s...
by RadAudit
Sun Dec 17, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Do you have bonds in Roths as a retiree?
Replies: 35
Views: 2767

Re: Do you have bonds in Roths as a retiree?

I have mostly stocks in my Roth and I’m going to let it ride. +1 I'm retired. Use to have bonds in a Roth. Then I read about the advantage of having stocks in Roth. I switched. And, I'm going to let it ride. I'll let the kids fight over it, if they want to. Of course, the Roth is 0.4% of the portfo...
by RadAudit
Sat Dec 16, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund Choice
Replies: 18
Views: 2069

Re: Emerging Market Bond Fund Choice

How much of the turnover in VG is due to the asset growth in the fund since its inception?
by RadAudit
Sat Dec 16, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's minimum in the UK
Replies: 2
Views: 202

Re: Vanguard's minimum in the UK

Welcome to the forum. Consider this a bump up because I don't know anything about investing in the UK and, after close to fifty years of mutual fund investing in the US - not too much about that either. With mutual funds, over here, it is a minimum initial - one-off - investment. After that, each ad...
by RadAudit
Wed Dec 13, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3161

Re: WHO IS RIGHT ME or SPOUSE

gogleheads.orb wrote:
Wed Dec 13, 2017 5:39 pm
mak1277 wrote:
Wed Dec 13, 2017 4:37 pm
Same $100, just address the card to both of them.
correct!
+1

They keep score.

You are now splitting money among four sub-family groups. Three singles and one couple. Don't punish the three singles for their decision to remain single, so far.
by RadAudit
Wed Dec 13, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: I'm sure you've seen this.
Replies: 4
Views: 934

I'm sure you've seen this.

Looks as if we're in uncharted waters with Bitcoin. This guy says it is the biggest bubble ever. http://www.zerohedge.com/news/2017-12-12/its-official-bitcoin-surpasses-tulip-mania-now-biggest-bubble-world-history So it might be interesting to watch to see what, when and if something happens from he...
by RadAudit
Tue Dec 12, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 79
Views: 6190

Re: Ancestry / 23andMe

I used Ancestry. The use of DNA and the family tree options may be informative. Just be prepared for some unanticipated information. I will probably never know who introduced the Hispanic component in to the family tree. 2nd great grannie? Other branches wind up as dead ends about the same time. Som...
by RadAudit
Mon Dec 11, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Beginner
Replies: 12
Views: 1381

Re: Boglehead Beginner

For the past decade, my portfolio has been a bit aggressive for my age because I’ve always been behind in savings. That's still the case, but I'm wondering if I should I reevaluate my risk given the current environment? I believe it would be a good time to re-evaluate your portfolio asset allocatio...
by RadAudit
Sun Dec 10, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Would a Bitcoin Crash affect the general markets?
Replies: 25
Views: 1980

Re: Would a Bitcoin Crash affect the general markets?

I think we might start to find an answer around 6:00 PM EST today. Bitcoin futures start trading. May have a clearer answer in about a month.
by RadAudit
Sun Dec 10, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7162

Re: For those retired at least 10 years, what about the money?

Looks like no one can be sure to have won the game until the last day. I read once that the name of the game is not to die rich, it's not to die poor. I'm beginning to believe it. Now, all you have to do, is figure out the magnitude and timing of end-of-life health care expenses, black swans, etc.,...
by RadAudit
Sun Dec 10, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4352

Re: Does a Boglehead ever time the market?

For the record I am 34, timeframe is 20 years + and my nestegg is a lump sum, not a few hundred. Why were you not investing while accumulating the nest egg? Or, was it a windfall? Whoops. Hold the phone. We've just crossed over to a whole new set of questions. Indexer Matt may want to think about a...
by RadAudit
Sat Dec 09, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7162

Re: For those retired at least 10 years, what about the money?

Retired for about 7 years. Very early 70s. No change in my plans. Markets go up and markets go down. We stay the course. +1 Things are a little too unsettled for me just yet. DW is finishing (?) up remodeling the house. RMDs kicking in this year. Really don't know how taxes will work out this year o...
by RadAudit
Sat Dec 09, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: "Think you can time the stock market? Look at this chart first"
Replies: 42
Views: 4307

Re: "Think you can time the stock market? Look at this chart first"

livesoft wrote:
Fri Dec 08, 2017 5:29 pm
bogleheads.org has often had discussions of missing the best days and worst days. Here is one from 2010:
I'm reminded from Peter Pan that this has all happened before and it will all happen again. But, this time ...

Some things just bear repeating. If only for the new arrivals.
by RadAudit
Sat Dec 09, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6180

Re: Does this happen to you? Educating friends about personal finance

Its very frustrating to try and educate friends. Avoid the frustration. I avoid discussing finance with friends and family. There is no upside and the downside is losing a friend or adversely impacting a family relationship. +1 About a year or so ago, I began to notice (I don't pick up on things to...
by RadAudit
Thu Dec 07, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 63
Views: 4526

Re: What did you do with your first RMD withdrawal money?

artthomp wrote:
Thu Dec 07, 2017 10:37 am
I'm not sure now - that was 7 years ago. Now I withhold my federal and state taxes for the year from the distribution, re-balance my portfolio and re-invest any excess in taxable equities
+1

I'm in the process of doing that with my first RMD
by RadAudit
Thu Dec 07, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4467

Re: When Bitcoin blows-up

The biggest commonality here will be a liquidity crunch, so Japanese and American government bonds will be the best assets, based simply on th amount of debt out there. But the wrinkle here will be if Bitcoin gets significant amounts of real assets linked to it to cause an inflationary spiral when ...
by RadAudit
Thu Dec 07, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4467

Re: When Bitcoin blows-up

nisiprius wrote:
Thu Dec 07, 2017 10:47 am

To protect yourself against a possible bitcoin collapse, just don't invest any important money in bitcoin. None would be a good amount.
Sometimes the simplest solutions are the best. Thanks.
by RadAudit
Thu Dec 07, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4467

Re: When Bitcoin blows-up

Obviously you need to hold a short position. Like in 2008/9 the only real winners were those short the market. Good luck. Alternatively you can just stay the course. I thought I read something about one of the stock exchanges beginning a trade like that in Bitcoins. Not that I'd ever be smart enoug...
by RadAudit
Thu Dec 07, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4467

Re: When Bitcoin blows-up

BTW, my 15 year kid texted me this morning and said, "he dad can I buy some bitcoin?" So...there's that. You know it's bad with the teenagers are speculating. Always a good sign!!! Sort of like the old story about a shoe shine boy giving old Joe Kennedy stock tips before the crash - only more than ...