Search found 2425 matches

by RadAudit
Thu May 25, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 60
Views: 9578

Re: A gem Livesoft uncovered

ImaBeginner wrote:Same site has chart with final value =initial value.
It is probably the best discussion of withdrawal rates I have seen yet.
https://earlyretirementnowdotcom.files. ... .png?w=809


Thanks for the link.
by RadAudit
Wed May 24, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 60
Views: 9578

Re: A Gem from Livesoft

... I am gathering information on actual spending needs, ... and so on, and then maybe switch to just a simple balanced fund approach at some point once I am confident that will be good enough. That seems to be the part of your path I'm on right now. The part that has me concerned is when switching...
by RadAudit
Mon May 22, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 60
Views: 9578

Re: A Gem from Livesoft

Thanks for the chart and the link.

Ought to be required reading because it is a good place to start.

I'm hourly expecting something of a extraordinary nature to turn up - the beginning of arguments over the projected real returns and their impact on the chart.
by RadAudit
Sun May 21, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Advice for Endowment Investing Allocation - 3 fund?
Replies: 10
Views: 654

Re: Advice for Endowment Investing Allocation - 3 fund?

Hopefully, your biggest problem won't be a withdrawal rate that is greater than your portfolio return. From a sample size of one, I've watched what happened to a church and it's portfolio where outgo exceeded income. Folks came to rely on the portfolio to make up for a shortfall in contributions. I ...
by RadAudit
Sun May 21, 2017 6:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1275

Re: Vanguard makes an impact in the England market

Valuethinker wrote:There is no Vanguard operating in "England" from a Financial Services regulatory point of view. VG is operating in the UK, or colloquially, in Britain.


Thanks for the correction. Interesting to know.
by RadAudit
Sun May 21, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 15961

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

Quick estimate. Made it. Took 46 years after graduation.

Wishing you better and quicker success.
by RadAudit
Sat May 20, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1275

Re: Vanguard makes an impact in the England market

Nice post. Good to see Vanguard is entering the market in England. The "Vanguard effect" on prices should help the British investor, eventually. And, it might help the forum to provide better opinions on how to invest - if we get requests from over there - at least we'll know some of the f...
by RadAudit
Fri May 19, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: I am a huge believer in Passive Indexing.. but.....
Replies: 42
Views: 3099

Re: I am a huge believer in Passive Indexing.. but.....

I was working for a boutique consulting firm - and I just bought shares in companies who became our customers. What's the success rate of your consulting firm, again? Are you still with them? If you are not with the firm, you have access to the same info everyone else does. In that case, luck begin...
by RadAudit
Thu May 18, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Quickest Path to Financial Independence
Replies: 27
Views: 3924

Re: Quickest Path to Financial Independence

Welcome to the forum. Consider this a bump up.

At a 4% withdrawal rate, you're asking how to generate ~$1.25 to ~$2.5 million quickly. Excellent question.

I'd try to figure out how to either live on less or combine a job with your passions; because I really don't know an answer to your question.
by RadAudit
Wed May 17, 2017 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Mini Milestone 100K
Replies: 19
Views: 1536

Re: Mini Milestone 100K

$100k isn't small. Congratulations.

And, don't worry about dropping below the number on market moves. I've been above and below my number more times than a yo-yo.
by RadAudit
Tue May 16, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirees afraid to spend? (Bloomberg)
Replies: 47
Views: 2396

Retirees are hoarding cash

[Thread merged into here, see below. --admin LadyGeek] I saw this on Bloomberg. https://www.bloomberg.com/news/articles/2017-05-16/rich-retirees-are-hoarding-cash-out-of-fear It seems that some of the reasons for hoarding cash - not spending as much as we "should" - is the fear of running...
by RadAudit
Mon May 15, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Global or Country Fund
Replies: 12
Views: 594

Re: Global or Country Fund

I don't know what you ought to do. But as for me, I'd tend to overweight the bond side of my allocation to the country I plan to be living in in retirement - assuming, of course, it isn't in a third world country in the midst of hyper-inflation and / or revolution. The rest of the bonds are global. ...
by RadAudit
Sun May 14, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2476

Re: Setting a periodic transfer / Dealing with a fiscal beggar

Wal-Mart has a procedure where you can send money to an individual.
by RadAudit
Fri May 12, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: edward jones guided solutions/grandfathered
Replies: 13
Views: 1283

Re: edward jones guided solutions/grandfathered

Welcome to the forum

Look here viewtopic.php?t=218680 The thread has a few links that might be of help.
by RadAudit
Fri May 12, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: New to vanguard...and everything investing-
Replies: 9
Views: 585

Re: New to vanguard...and everything investing-

Welcome to the forum. Put it in to a target date retirement fund. The money will be divided among ~20k stocks and bonds around the world. That ought to do on the division side. Then https://www.bogleheads.org/wiki/Getting_started and then here https://www.bogleheads.org/wiki/Three-fund_portfolio and...
by RadAudit
Sun May 07, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Really need some advice for a 401k rollover after forced retirement
Replies: 21
Views: 1292

Re: Really need some advice for a 401k rollover after forced retirement

Welcome to the forum Start here https://www.bogleheads.org/wiki/Three-fund_portfolio The first post in this thread (with links and quotes) explains why some folks on the forum use this approach https://www.bogleheads.org/forum/viewtopic.php?t=88005 % of stocks and bonds in the portfolio vary accordi...
by RadAudit
Sat May 06, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should we use fee based Vanguard Personal advisor services temporarily ? And our draw.
Replies: 3
Views: 502

Re: Should we use fee based Vanguard Personal advisor services temporarily ? And our draw.

Bump. First question: can we terminate a fee based Vanguard advisor at any time? I believe the answer is yes. Best to call Vanguard on that one. Now to the draw : We plan on an annual draw of 3% I can't venture a guess on that one. It's probably partially a function of your asset allocation after yo...
by RadAudit
Sat May 06, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: "Ten Commandments" by Jonathan Clements
Replies: 24
Views: 3230

Re: "Ten Commandments" by Jonathan Clements

honduranhurricane wrote:What does DW stand for?


I believe it is a reference to the wife. Usually the D is a flattering adjective; but, sometimes may be not, depending on the post. Or, at least that is the way I interpret it. :wink:

DH is the husband. Same things apply. It's not a baseball reference, usually.
by RadAudit
Fri May 05, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for someone 5-10 years away from retirement?
Replies: 1
Views: 455

Re: Advice for someone 5-10 years away from retirement?

it's reasonable for me to suggest that they put nearly all their money into stocks and bonds ... right? It's always nice to have an emergency fund in cash or near cash (CD's) of about 6 month's expenses. No use to have to sell stocks when the refrigerator and / or washer goes on the blink. Now for ...
by RadAudit
Fri May 05, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18047

Re: Why save so much for when you're old?

imareal1 wrote:This is where I'm kind of missing the logic of saving for retirement.


It all has something to do with sleeping under a bridge when you are old and broke.
by RadAudit
Fri May 05, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 4297

Re: Tips From Older Bogleheads?

Don't listen to older people who got it all wrong. Don't know if I got it right or wrong. The jury is still out about six or seven years in to retirement. Yes, there was a lot of luck involved to be able to work at a place that provided a pension. On the other hand, you had to be employed there for...
by RadAudit
Thu May 04, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 7364

Re: Morgan Stanley drops Vanguard funds

Morgan Stanley's goal was to close out under-performing and less popular funds. Performing for whom? The client or Morgan Stanley? The firm attributes its (Vanguard's) low costs partly to not paying wealth management firms for the distribution of its funds, something its rivals do. Ah! There it is.
by RadAudit
Tue May 02, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: In Retirement - Calculating available funds for expenses
Replies: 13
Views: 877

Re: In Retirement - Calculating available funds for expenses

Welcome to the forum. Someone a little bit brighter than I shall arrive shortly. You may have to revise your thoughts on the subject below for ease of calculation - at least as I understand it. From my expenses, I need about 5% of my total investments yearly after SSI. If the equity fund dividends s...
by RadAudit
Mon May 01, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: Future value of Money and Asset Allocation
Replies: 14
Views: 1087

Re: Future value of Money and Asset Allocation

Ooops. Try Swedroe. Seems that he may have written the phrase first.
by RadAudit
Mon May 01, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Future value of Money and Asset Allocation
Replies: 14
Views: 1087

Re: Future value of Money and Asset Allocation

Consider this more of a bump up. According to the literature I should be 38% bonds based on age of 38. Is this too risky? Combine all of your portfolio holdings and consider them as one portfolio. Then recalculate the % stock / bond asset allocation. Is it too risky? I'd suggest you Google need, abi...
by RadAudit
Fri Apr 28, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle: It's Easier to Serve One Master Than Two."
Replies: 5
Views: 1879

Re: "Jack Bogle: It's Easier to Serve One Master Than Two."

traditional fund companies can't get past their initial handicap: They work for two masters. That is, while Vanguard has a mutual structure, meaning that it is owned by its funds' investors, competing fund companies operate differently. One set of shareholders receives the profits that come from th...
by RadAudit
Fri Apr 28, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2572

Re: A Morbid Subject

Depends. Some do, some don't. But I wouldn't make any plans I couldn't change at a later date. Anyway, the current problem is your perception. His view of the world may be different. And your job is to make his life as pleasant as possible when you visit. If you get depressed, you can take a walk af...
by RadAudit
Fri Apr 28, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 4456

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

I'm not the best BH in the bunch. But, I've been retired for six or seven years. My vote is to plan for the conservative alternative. I actually was a little more conservative than 80%. I used 100% and the mortgage was paid off at retirement. Somehow it all gets spent every year on travel, the kids,...
by RadAudit
Tue Apr 25, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification of IRA
Replies: 5
Views: 366

Re: Diversification of IRA

Is the question more along the lines of is investing in this one fund - or any one fund - safe? If so, that's another question. I believe that question has been asked and answered on the forum. I think the answer is yes, it is safe. However, it is also a somewhat personal decision. I believe that wh...
by RadAudit
Tue Apr 25, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 5500

Re: One Fund? Really?

Pax wrote:(1) Wow!One fund...still wrapping my head around this..


I like to think of it as six to eight of "my guys" taking care of the assets in the portfolio and the one fund concept is providing direction on asset allocation. That rationalization seems as good as any.
by RadAudit
Tue Apr 25, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing [Any tax-advantaged accounts available to us?]
Replies: 5
Views: 255

Re: New to investing [Any tax-advantaged accounts available to us?]

Welcome to the forum.

Whsy wrote: Since we both already max out our 401ks, what tax advantaged accounts are available to us? Ira? Roth?


I believe the answer is yes. tIRA or Roth. Choose one. Don't go over the annual limits. Check the IRS pubs, Google or the wiki.
by RadAudit
Mon Apr 24, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8117

Re: Helping adult children

I am an adult. I have no claim to my parents money. They can spend it how they like, 1/5th of it isn't mine. Actually, a very mature and healthy idea. Wish everyone thought along similar lines on this topic. But, I've seen too many cases where the division wasn't equal and someone got their feeling...
by RadAudit
Mon Apr 24, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8117

Re: Helping adult children

Fast-forward two decades and we were sitting around reminiscing about this inexplicable gift and one sib looks puzzled and says "I never got that!" We all knew there's no way that Mom and Dad would have left this one out. Glad things turned out OK; but, it sort of reinforces another thing...
by RadAudit
Mon Apr 24, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help with finalizing fund choices
Replies: 9
Views: 623

Re: Help with finalizing fund choices

do people generally end up finding it works out better just to stay with the main three? In reading here and elsewhere, it seems that there are arguments toward both ways of doing it but I'm curious if you have an opinion. If I recall correctly, Swedroe in "Factor Based Investing" [?] poi...
by RadAudit
Mon Apr 24, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with finalizing fund choices
Replies: 9
Views: 623

Re: Help with finalizing fund choices

Welcome to the forum. I'd look at the overlap in the portfolio. TSM and S&P 500? Why? Total Bond and long term bonds? Why? Many funds do not necessarily a diversified portfolio make. Personally, I'd try to get to a portfolio that has low cost, broad diversification and no overlap. You might want...
by RadAudit
Mon Apr 24, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 43
Views: 3844

Re: Becoming a homeowner/landlord in a college town?

I remember when my DW and son went apt shopping in a college town one summer. The owners had a crew in the apartments trying to make them presentable for the Fall. One apartment's carpet was a mess because the previous occupant had changed his motorcycle's oil in the apartment. YMMV but you may want...
by RadAudit
Sun Apr 23, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8117

Re: Helping adult children

I was once told - and I believe - that while you may not be keeping score, you're children are. I'd make every effort to even up the funds dispersed to date to 50 / 50 between the children and go 50 / 50 thereafter. I would seek to avoid the perception that one child won the grandchildren lottery an...
by RadAudit
Sun Apr 23, 2017 11:40 am
Forum: Local Chapters and Bogleheads Community
Topic: The next generation of Boglehead authors
Replies: 41
Views: 3305

Re: The next generation of Boglehead authors

“The old order changeth, yielding place to new, ... Lest one good custom should corrupt the world. - King Arthur" Don't know who it'll be; but, when the need arises, he will appear. I just hope he doesn't tell me that low cost, broad based, index funds and LBYM is a lot of hooey. I'd hate to fi...
by RadAudit
Sun Apr 23, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage at 75 ?
Replies: 15
Views: 2033

Re: Mortgage at 75 ?

Don't have a clue. But, I am 70 and retired. And, I just got a small (for the bank) HELOC. I believe - at this level - they are only interested in safety of the cash flow and a reasonable degree of coverage for the payment and sufficient equity in case things so South. And, a clear title and a decen...
by RadAudit
Sat Apr 22, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5341

Re: Six pack for barbecue?

Let's try for 24 cans at least. And you could buy 4 six packs of different types. Bud Light is perfectly OK. Coors is OK. Heineken is good. And, make sure it is iced - put the cans in a larger cooler (32 quart [?]). If the cans look lonely add more beer and ice. The nice thing about beer is that it ...
by RadAudit
Sat Apr 22, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: No clue where to start
Replies: 9
Views: 1062

Re: No clue where to start

Welcome to the forum. Start here https://www.bogleheads.org/wiki/Getting_started Asset allocation https://www.bogleheads.org/wiki/Asset_allocation Sorry if this sounds overly abrupt. I've been hanging around the forum for a while and have only lately become a fan of the wiki. Amazing little tool. Be...
by RadAudit
Thu Apr 20, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36669

Re: Larry Swedroe says "Goodby."

Many thanks to Mr. Swedroe for his contributions to the forum. I've not always understood everything he posted - definitely my fault, not his - but what I have understood and implemented in my portfolio has been extremely beneficial.

Thanks again and best of luck with future endeavors.
by RadAudit
Wed Apr 19, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Help with Investments
Replies: 1
Views: 184

Re: Help with Investments

Welcome to the forum. Should I consider adding this to my relationship with my DFA advisor? I was going to leave most of it (all but private accounts) in my brokerage at Vanguard to minimize the fees I pay, but I am open to advice. Do you want to manage your own investments or do you want a low cost...
by RadAudit
Tue Apr 18, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Year old New Investor Needs help- Vanguard Index Funds
Replies: 47
Views: 3937

Re: 29 Year old New Investor Needs help- Vanguard Index Funds

Welcome to the forum. My question is, is my best bet going with the Lifestrategy Growth fund? Check out a Target Date Fund. I think their initial investment level is $1,000. My other thought was to buy into divdend stocks. Many people think that way; however, opinions differ. I believe that there ar...
by RadAudit
Tue Apr 18, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3172

Re: Taxes- okay to just drop in the mail today??

I think the rule is that the return has to be post marked today. Where you drop it is immaterial. But, I'd walk it by the post office and watch the clerk stamp it.
by RadAudit
Sun Apr 16, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing into stocks in (pre-)retirement?
Replies: 6
Views: 755

Re: Rebalancing into stocks in (pre-)retirement?

I'd rebalance in the pre-retirement zone using the same approach I used to get that far in the first place. Specifically, I'd be using the 5% / 25% band essentially as you described. The biggest deviation is that my rebalancing is done in tax advantaged accounts. And, I don't wait for new money. The...
by RadAudit
Sat Apr 15, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11354

Re: My kids don't care about saving

Now the money tree has dried up. There's a lot of that going around nowadays. I think that is one of the better messages you can send to the kids once they are out of school. It tells them they are on their own. I told mine that their worry shouldn't be how much they'll inherit; it ought to be what...
by RadAudit
Fri Apr 14, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How to invest my children's inheritance
Replies: 33
Views: 2833

Re: How to invest my children's inheritance

Allow me to be specific, I will not need the money and it is a bit over $5m (in cash, after tax, recently received from the sell of a business) to be shared among 4 children. You raised an interesting point. I'm not in your league; but, I may have something left over for my kids - hopefully in twen...
by RadAudit
Fri Apr 14, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: First Time Investor / I know nothing / Trying to learn
Replies: 6
Views: 534

Re: First Time Investor / I know nothing / Trying to learn

Welcome to the forum. Sorry about your loss. OK. If you are "really green", start here. https://www.bogleheads.org/wiki/Getting_started Wacth the videos, read some of the recommended books. Here's something on windfalls. https://www.bogleheads.org/wiki/Managing_a_windfall And something on ...
by RadAudit
Thu Apr 13, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to a HELOC???
Replies: 7
Views: 1010

Re: Any downside to a HELOC???

You have to pay it back? :D

Haven't thought of one, yet. We decided to do the same thing, just in case we needed it as a short term bridge to other monies allocated for a remodel project.

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