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Investing - Theory, News & General • Re: International (Non-US) versus US...
If you don't rebalance, you are letting the winners run and your portfolio becomes riskier than initially intended. Nice while the winners are winning.If you do rebalance, you are maintaining the risk...
View ArticleInvesting - Theory, News & General • Re: Barrons: Jack Bogle was right...
The article argues that ETF index fund investors underperform mutual fund investors by nearly 1% and places much of the blame on advisors. https://www.barrons.com/articles/jack-b ... LEADSUPP_1While...
View ArticleInvesting - Theory, News & General • Re: I Bonds Mega Thread (I Bond...
I was curious about how many I bonds are outstanding. According to the Aug 2024 PDF report available at https://fiscaldata.treasury.gov/dataset ... utstanding, there are 91.857 billion dollars of...
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Investing - Theory, News & General • Re: Variable Percentage Withdrawal...
I know the 50% stock market devaluation for the required flexibility is somewhat arbitrary and the calculations assume that bonds stay put (wasn't the case in 2022) but I was trying to understand if...
View ArticleInvesting - Theory, News & General • Re: The Final, Definitive Thread on...
They made a point in the signup process of saying they relied heavily on being able to verify by using one's mobile phone number and checking that the name matched what the carrier had on file, which...
View ArticleInvesting - Theory, News & General • Re: Why the love for the 3 fund...
My biggest problem (and admittedly it's pretty small by itself) is target date/strategy funds have not been static over the years. They have changed their behavior/allocations depending on what "new"...
View ArticleInvesting - Theory, News & General • Re: ETF with large unrealized gains...
What makes you think that the "competitive ETF" (whatever that means) will perform at the same level as the ETF that you originally bought?They both track very similar indexes (not exact though)And...
View ArticleInvesting - Theory, News & General • Re: TOTP Protected by Pin/Biometrics...
Why is this better than Symantec VIP? I have the Symantec hardware token and I can use it for both Fidelity and Schwab. The token is kept in a file cabinet beside my computer.It's really a matter of...
View ArticleInvesting - Theory, News & General • Re: Total Portfolio Allocation and...
Ben, Thank you for all your work on this. I have been playing around with the TPAW planner and my results are nearly identical to the Fidelity retirement planner. This is except for asset allocation....
View ArticleInvesting - Theory, News & General • Re: Low Equity portfolio and the...
gavinsiu -my portfolio is indeed higher than when I retired over 20 years ago I use Vanguard Global Bond Index fund hedged to the pound as my only bond assetI believe it uses mostly intermediate bonds...
View ArticleInvesting - Theory, News & General • Re: WisdomTree GDE: 90% Large Cap +...
How can gold be described as a "bond substitute?"Read the GDE materials.Do you have a better bond substitute?A equilateral triangle of stock/gold/10 year Treasury's (thirds each that combines to a...
View ArticleInvesting - Theory, News & General • Re: Tax efficient ballast for...
How important is the tax efficiency? Bonds of an appropriate type and duration are gonna be your most reliable bet, and although some of the other choices may be more tax efficient, most of the...
View ArticleInvesting - Theory, News & General • Re: Changing asset allocation
You're only shifting 5%. I doubt it will make that much difference either way.Exactly, in the grand scheme of things.Statistics: Posted by retireIn2020 — Tue Sep 17, 2024 2:48 am
View ArticleInvesting - Theory, News & General • Re: International (Non-US) versus US...
But if I were prompted to forecast what to expect in 2050 or 2060, it would be hard to argue against the strong possibility, that after many ructions, bear markets, crashes and horrid nail-biting...
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Investing - Theory, News & General • Re: Downside protection (buffer) funds
There's also a risk that if interest rates fall, these auto-renewing products will renew with lousier and lousier terms and investors may not notice.In software we say "this is a feature. Not a bug"....
View ArticleInvesting - Theory, News & General • Re: Inflation, Bonds & Retirement
Personally I hold most of my bond allocation in a combination of medium-long duration TIPS ETFs and very short duration treasury ETFs (i.e. split about 50/50 LTPZ/SGOV or similar).What's your overall...
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Investing - Theory, News & General • Re: Selling long treasury bonds...
People in the very long Taxation of Treasuries thread have stated that treasury Accrued Market Discount is not taxable in CA, but that capital gain is. The 1099B will tell you how much AMD you have....
View ArticleInvesting - Theory, News & General • Re: Bernstein article - Why Should...
As a recent retiree, I spent a lot of time of mapping out annual projected income streams (pension, social security, etc.). I then estimated annual remaining residual living expenses required to be...
View ArticleInvesting - Theory, News & General • Re: "In general, bonds add...
Although this thread is old, the discussion is very timely to a recommendation we’ve received from an advisor who is helping us develop a full-scale financial plan for retirement. He is suggesting...
View ArticleInvesting - Theory, News & General • Re: TPAW Asset Allocation question
1) In term of buying TIPS, I'm assuming you mean buying a TIPS ladder vs an ETFNot necessarily. The duration of the bonds is what matters. ETFs holding TIPS are fine if you can get the right duration....
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