Search found 2551 matches

by RadAudit
Sat Sep 23, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 13
Views: 1141

Re: "My Favorite Mutual Fund"

Thanks for the link
by RadAudit
Sat Sep 23, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 96
Views: 5504

Re: Age you retired

Left employment at 63, almost 7 years ago. There's some debate about if I ever actually worked - so retired may not be the right word in my case.
by RadAudit
Sun Sep 17, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 3896

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

MFInvestor wrote:
Sun Sep 17, 2017 8:51 am
I admire Buffett's work, but I suspect most investors owe a much greater dose of gratitude to Jack Bogle."
Reading the comments to the MW article lead me to believe there are a number of folks out there who haven't got the message, yet.
by RadAudit
Fri Sep 15, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: VG International vs MSCI Index
Replies: 2
Views: 292

Re: VG International vs MSCI Index

Second, what MSCI index are you using? Good question. I was looking at the Portfolio Watch and at the bottom of the stock page showing the international distribution by region it says - "Source: MSCI AC World Index Free ex USA as of 06/30/2017." That page reports the European distribution is about ...
by RadAudit
Fri Sep 15, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: VG International vs MSCI Index
Replies: 2
Views: 292

VG International vs MSCI Index

I was glancing at my portfolio. I noticed that Vanguard's Total International Stock Index Fund (VTIAX) European holdings are ~ 8% lower than the appropriate MSCI index allocation. Anyone have an insight in to this deviation from the MSCI index? (Not that it is going to really mess up my portfolio re...
by RadAudit
Wed Sep 13, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Take Pay cut close to retirement for sanity purposes?
Replies: 17
Views: 1689

Re: Take Pay cut close to retirement for sanity purposes?

Line from a country song (I think) - I've always been crazy but it kept me from going insane. Works for me. My vote is for sanity. If you are pretty sure about your financial position, you might want to post your situation in this format for another opinion or two. https://www.bogleheads.org/forum/v...
by RadAudit
Wed Sep 13, 2017 6:40 am
Forum: Investing - Theory, News & General
Topic: "Top 5 Ways to Manage Your Money"
Replies: 8
Views: 3442

Re: "Top 5 Ways to Manage Your Money"

In many ways, the fact that someone with only a small amount of experience can simply buy a target-date or target-risk fund and get returns that anyone would likely envy democratizes investing. Hope you are correct. I put the wife and kids in these funds knowing that they didn't have the time or in...
by RadAudit
Tue Sep 12, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Investing parents nest egg -- any final thoughts?
Replies: 37
Views: 2526

Re: Investing parents nest egg -- any final thoughts?

Didn't read the other posts. Did you check on RMDs and taxes or is that too far away? Rest looks OK to me.
by RadAudit
Tue Sep 12, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8673

Re: Retirees-anyone miscalculate how much was needed?

I don't think I've mis-calculated on how much I need (Last salary [gross] + 3% / yr.). I may have mis-calculated on how much I'd spend. (Guessed a little low.) But, I definitely missed on how long this bull market would run. So, every thing seems to be working out OK - so far.
by RadAudit
Tue Sep 05, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 13828

Re: If I died today, what would my spouse do?

I believe DW would have enough. And, the kids would probably get something after she is finished with it. But, if the old adage is correct, the grandkids are going to have to step up their game. They have time; the oldest is three. Actually, in a strange way, it is somewhat reassuring that that thin...
by RadAudit
Sun Sep 03, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Dad as Investment Advisor for Kids
Replies: 51
Views: 3751

Re: Dad as Investment Advisor for Kids

They are brilliant young men but basically have no interest in investment management Similar problem. When my kids started work after school - more than seven years ago, I suggested they go in to a target date fund in their 401(k)s. That's about the extent of my management for them. Every year, I s...
by RadAudit
Sat Sep 02, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Glideslope rate-of-change
Replies: 6
Views: 564

Re: Glideslope rate-of-change

do you really need 18 asset classes in your target date fund? I think I have heard that with a three (or four) fund portfolio you've got almost all stock / bond based asset classes and a lot of the factors, too. You just don't overweight any sector / class / or factor. You can make some adjustments...
by RadAudit
Sat Sep 02, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Glideslope rate-of-change
Replies: 6
Views: 564

Re: Glideslope rate-of-change

Haven't heard of any research on the subject. I have heard a lot about the slope of the line being tied to the rate of decay in human capital. That seems to argue for a higher allocation to stocks in to the mid to late 40s and then a drop to about 55% equities around 65. See the slope on the Vanguar...
by RadAudit
Fri Sep 01, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: "The Case for Owning the U.S. Market Portfolio"
Replies: 4
Views: 650

Re: "The Case for Owning the U.S. Market Portfolio"

It seems to me they are using the words 'active bet' to mean what they want. I don't see how investing in the world is considered an active bet. I believe the writer was using "active bet" in reference to the US market - as in some increased allocation to small cap value within the US vs. the total...
by RadAudit
Thu Aug 31, 2017 6:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16201

Re: [Are the Bogleheads] getting less interesting?

CaliJim wrote:
Thu Aug 31, 2017 2:57 pm
Personally, I never was interesting.
Me, too.

Thankfully some nice folks on the forum came up with a number of the answers I needed anyway.
by RadAudit
Thu Aug 31, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz: "75 Must-Know Statistics About Long-Term Care"
Replies: 24
Views: 3684

Re: Christine Benz: "75 Must-Know Statistics About Long-Term Care"

Thanks for the link. Some of those % don't sound so encouraging.
by RadAudit
Mon Aug 28, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Withdrawal Strategies ?
Replies: 7
Views: 1867

Re: Retirement - Withdrawal Strategies ?

Try McClung "Living Off Your Money" Discussion here. viewtopic.php?t=192105 It's may be a little too complete; but, it compares a number of withdrawal strategies.
by RadAudit
Sun Aug 27, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Stay or not - natural disaster
Replies: 16
Views: 1746

Re: Stay or not - natural disaster

If a hurricane is headed for you, leave. Decision made.
by RadAudit
Tue Aug 22, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Completely new portfolio - advice needed
Replies: 2
Views: 307

Re: Completely new portfolio - advice needed

Welcome to the forum. Consider this a bump up so your post doesn't get lost in the weeds. Folks better than I will be along shortly. For someone who doesn't want to lose 50% of his portfolio, I believe you are tempting fate to put 40% of the portfolio in one stock. But you know that. On the other ha...
by RadAudit
Mon Aug 21, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 6689

Re: Adjusting AA as retirement nears

...just looking for guidance from others who adjusted their AA as retirement closed in. I don't know about guidance; but I can share experiences. I've been retired for about six years. As retirement approached, I ramped down from 70/ 30 to 50 / 50 over the space of about 10 years or so. I'm still a...
by RadAudit
Sun Aug 20, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13339

Re: I own no international stocks. Can you guess why?

I don't have a clue - but I'm looking forward to the explanation and the opportunity to see if the rational makes sense for my situation. (I'm sure it makes sense for your situation or else you wouldn't of done it.)
by RadAudit
Sat Aug 19, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11882

Re: Is it worth it? [demanding jobs vs time with family]

I don't know anyone (male or female, married or single) that can have a successful marriage, raise their children, and have a rewarding career. You might try to have all three, but it's simply not possible with 24 hours in a day. Something always get sacrificed. Always. In my former career there wa...
by RadAudit
Thu Aug 17, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11882

Re: Is it worth it?

Well, I was never successful - I'm still not successful - ; but, I know a little about 9 to 5 jobs - actually 7 to 4. You don't get to spend that much more time with the kids. By the time you get back home, it's about 5 or so. And the kids will likely be in bed after dinner and a bath or about 7 or ...
by RadAudit
Tue Aug 15, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which International Fund is Best
Replies: 8
Views: 890

Re: Which International Fund is Best

bloom2708 wrote:
Tue Aug 15, 2017 1:13 pm
Stick with the broad based, low cost, index fund approach.
+1

Additionally, cap weighted and diversified in a manner that is representative of the size of the various stock markets / regions around the world (ex-US)
by RadAudit
Mon Aug 14, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 7223

Re: Retired Boglehead obsession with money- devil's advocate

protagonist wrote:
Mon Aug 14, 2017 3:34 pm
Most people with a fraction of what you have live a financially satisfying retirement.
Something I need to be reminded of fairly frequently. Thanks.
by RadAudit
Mon Aug 14, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6828

Re: It's easy to have an investment plan until you get punched in the face

KlangFool wrote:
Mon Aug 14, 2017 10:17 am
If the market crashes, do you need to do something in order to rebalance? If the answer is nothing, it is easier to follow your investment plan.
+1

Good point.
by RadAudit
Mon Aug 14, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5320

Re: What a Low Return Outlook Means for Your Retirement?

Perhaps my portfolio can only provide me with inflation adjusted income for 30 years and keep track with inflation. Is that a devastating result? Devastating? I hope not. It's a result I'm hoping to achieve. I even hope there's enough left over for the DW - as long as she needs it - and may be some...
by RadAudit
Sun Aug 13, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6954

Re: How does personal wealth affect job hunting?

I am quite pleased to read of the much deserved job opportunities / search of the near FI and near retirement crowd. (Congrats, again. Much deserved!!) On the other end of the job search / life curve is an anecdotal incident. DS is now looking for a job. He's been looking for the job for at least th...
by RadAudit
Fri Aug 11, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 35
Views: 3970

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

Well, I did revise my plan to a more conservative slant during two bear markets. Found out my risk tolerance wasn't as high as I thought.

Does that count?
by RadAudit
Mon Aug 07, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: "Why Some Already High-Cost Funds Are Looking Even Pricier."
Replies: 1
Views: 488

Re: "Why Some Already High-Cost Funds Are Looking Even Pricier."

The way I understand the article is as more money goes to low cost funds (passive, index) the average fee falls. So, if high cost funds don't reduce fees, relative to the average their fees are higher. The high fee funds have a choice, reduce fees or lose more assets as investors look for lower cost...
by RadAudit
Sat Aug 05, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7340

Re: Study: Who Sold Stock During the 2008-9 Crash?

The point is, nothing about "boglehead" or any other investment approach gets you, as the investor responsible for results for your loved ones, off the hook for serious and irreversible bad consequences. The buck stops with you That's part of the reason why I've tried - without much success, appare...
by RadAudit
Fri Aug 04, 2017 6:04 am
Forum: Investing - Theory, News & General
Topic: Dow up-Total Stock Market Index Fund Down??
Replies: 14
Views: 1283

Re: Dow up-Total Stock Market Index Fund Down??

Don't watch the Dow. Look at the S&P 500 and the Nasdaq (sp?). If both of those are up and TSM is down, and it isn't toward the end of the quarter, let us know.
by RadAudit
Thu Aug 03, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying Boat - Equity Loan or Cash
Replies: 9
Views: 893

Re: Buying Boat - Equity Loan or Cash

I don't think you'd like to live on a new boat you could buy for $65k. Might be cramped, if it were a sailboat.
by RadAudit
Wed Aug 02, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Son
Replies: 21
Views: 2333

Re: Advice for Son

A three fund portfolio - in some form - is scalable. All he has to do is figure out his need, ability and willingness to accept risk to accomplish his goals.

But, with $40 mil, you might want to invest with a little more conservative slant.
by RadAudit
Sun Jul 30, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4523

Re: What to do with 3oz of gold?

Keep them in a fire safe along with insurance policies - or in your sock drawer. Then, give 'em to the grandkids at some time in the future and let them worry about it. I've got a few silver dollars my grandfather gave me for birthdays and Christmas - when they were worth a dollar. Think I'll pass t...
by RadAudit
Sun Jul 30, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should i diversify from Vanguard?
Replies: 25
Views: 1991

Re: Should i diversify from Vanguard?

benign_user wrote:Do you have a recommended list of other firms?
Take a look at this link. There are names of families and funds lower down in the article that should have low fees.

https://www.bogleheads.org/wiki/Three-fund_portfolio
by RadAudit
Sat Jul 29, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: My girlfriend and her 401K, need to give her advice
Replies: 61
Views: 4974

Re: Trying to help my girlfriend with her investments

Michael Alden wrote: She needs to be risky to try to make up for all of the time wasted yet at her age, her time is short.
Not the best approach.

Other approaches - which may not be too good either: Save more, work longer, or marry well.
by RadAudit
Sat Jul 29, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Indexes - timing your investment?
Replies: 8
Views: 703

Re: S&P 500 Indexes - timing your investment?

Welcome to the forum. Long answer: Since you are in it for the long haul, I'd recommend that you take a break, and figure out a portfolio asset allocation that allowed you to meet your financial goals in a timeframe you'd plan on while doing so within the parameters of your need, ability and willing...
by RadAudit
Tue Jul 25, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2941
Views: 864936

Re: What Movie Have You Recently Watched?

Dunkirk. I guess I should have seen it in IMAX; but it was still a pretty good flick in a regular theatre. Suspenseful. Not that gory for a war movie. Great if you like the sound of automatic weapons fire in the morning.
by RadAudit
Tue Jul 25, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8310

Re: Investing Education and Mansplaining

Rightly or wrongly, she sees it as middle-aged (or later) white guys mansplaining to young women (even though the videos are not directed to women), and it doesn't cut it with her. I could go into a lot of explanation about why a lot of women feel this way, but all you have to do is pay attention t...
by RadAudit
Tue Jul 25, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 8981

Re: Murphy's Law Of Retirement

stocks are for accumulating wealth, bonds are for preserving wealth and cash is for spending wealth. Make sure you have enought cash and bonds so you don't have to sell your stocks and allow them time to recover. When they do, you sell stocks that have recovered and increased in value to refill you...
by RadAudit
Sun Jul 23, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout option
Replies: 11
Views: 901

Re: Pension buyout option

This is probably wrong.

I figured $420 / mo for 20 years (65 to 85) would be worth 101,000 at 65.

To get to about $101,000 by 65, you'd need to invest the $29,216 for 15 years and receive an 8.6% / yr return.

But it has been a few years since I pushed numbers on a financial calculator.
by RadAudit
Fri Jul 21, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5525

Re: When to stop being "concerned"

SeeMoe wrote: keep investing and maintaining the AA as it's in our DNA now...
Thanks for the post and perspective.
by RadAudit
Fri Jul 21, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with career direction
Replies: 5
Views: 640

Re: Help with career direction

lateregistration wrote: Then again, if I'm really honest with myself, maybe all I want is to stay exactly in the position I'm in for the time being, try to negotiate a decent raise, and then avoid all the uncertainty.
Don't stay too long.
by RadAudit
Fri Jul 21, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Advise to mass distribute (Dave?)
Replies: 8
Views: 459

Re: Advise to mass distribute (Dave Ramsey?)

TheHouse7 wrote: BECOME A BOGLEHEAD!
Good advice. Might not want to bring that up with Dave.
by RadAudit
Thu Jul 20, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8714

Re: Can anyone convince me I need international stock in my portfolio?

On a sub-set of the portfolio asset allocation question, Mr. Bogle offered this observation. “My own total portfolio is about 50/50 indexed stocks and short/intermediate bond indexes. At my age of 88, I’m comfortable with that allocation. But I confess that half of the time I worry that I have too m...
by RadAudit
Thu Jul 20, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3967

Re: Investing well for Retirement can be frustrating

Retire 10 years before them. No price can be placed on 10 years. :moneybag Exactly. I was out at 55. All the folks with expensive cars, oversized houses, boats etc. continued to work for years. I was out sailing last night (other person's boat). One of the crew was 73. He felt he had to work anothe...
by RadAudit
Thu Jul 20, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5525

Re: When to stop being "concerned"

celia wrote:When you stop breathing or dementia sets in.
I was concerned that might be the answer. :wink:
by RadAudit
Thu Jul 20, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1651

Re: Pre-pay four year tuition?

Can you get your money back if junior or junette decides on an alternate path through life - one that doesn't run through Harvard?