Search found 231 matches

by ben
Mon May 09, 2005 11:35 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64171

Good and constructive post Norbert! Cheers!
by ben
Mon May 09, 2005 11:21 am
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 17137

Zendrix - I think that is a very clever thing to do. EM debt is much more volatile than our usual garden variety FI/bonds. When I give the "quick" overview of my base portfolio I say: 40% global equities, 30% real stuff(reits/commo/metals), 30% FI. But the FI actually consist of equal parts of TIPs,...
by ben
Fri May 06, 2005 11:15 pm
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 17137

I think the use of bond ladder in bad market years could be useful. But what one has a bad equity market year? When equity portfolio is flat? When it does not keep up with inflation? When down 20%? Due to the above I personally prefer the re-balancing method (which petey also mention) from a well di...
by ben
Wed May 04, 2005 12:32 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64171

I am also not certain that waiting for a decade will ensure that the dividends get to 5-6%? What do I do if no real change in valuations or divs? Wait out another 10 years burning through TIPs? Like petey and Bill Gross I also believe the official nos are of with about 1%. How does that affect my re...
by ben
Sat Mar 26, 2005 10:47 am
Forum: SWR Research Group
Topic: TIPS drawdown at staggered coupon rates
Replies: 28
Views: 24133

Ok got it! So you would in normal years use the 2% dividend and then get the remaining 2% from tips even if it means spending it down. In bad equity years all the money would come from the tips. Basically you would use the tips as your cash buffer (others are talking about 5-6 years spending of cash...
by ben
Sat Mar 26, 2005 9:52 am
Forum: SWR Research Group
Topic: TIPS drawdown at staggered coupon rates
Replies: 28
Views: 24133

Hi Petey, :D With only 20% in the TIPs how is anyone gonna live of 4% of that only? Lets say total nest egg is $1M. That is 200k in TIPs - creating 8k/year for 30 years . Petey; are we talking a $3M portfolio? laddered 1/10th coming due a year, providing sufficient (mostly) tax-free income/return of...
by ben
Sat Mar 26, 2005 8:20 am
Forum: SWR Research Group
Topic: I Want To Be Your Board General!
Replies: 10
Views: 14016

Maybe ES can just hand these boards/homepage over to you now thereby leaving them open? Later you can then link it to passion saving homepage?

Just an idea and might be the ES wants this homepage closed.

Cheers!
by ben
Fri Mar 25, 2005 10:37 am
Forum: SWR Research Group
Topic: Is this board gong away ?
Replies: 2
Views: 5842

The whole board here (this homepage) will go away. That is sad but true as things stand now. How any of the boards will be backed up is still unclear. Cheers!
by ben
Fri Mar 25, 2005 6:44 am
Forum: SWR Research Group
Topic: TIPS drawdown at staggered coupon rates
Replies: 28
Views: 24133

That is true Petey - I just want to keep my portfolio re-balancing as unemotional and mechanical as possible after it is set up which means to rebalance from loser to winner no matter what. My experience and history tells me it is smarter way to do it. I cound be wrong! :D Anyway; I am talking TIPs ...
by ben
Thu Mar 24, 2005 1:14 pm
Forum: SWR Research Group
Topic: Hocus actually won the TMF REHP poll
Replies: 1
Views: 5060

Hocus actually won the TMF REHP poll

http://boards.fool.com/Message.asp?mid= ... sort=whole

For those with no access the vote whas for who should be the new moderator/board leader. Even Intercst voted for Hocus.

Cheers!
by ben
Thu Mar 24, 2005 1:08 pm
Forum: SWR Research Group
Topic: TIPS drawdown at staggered coupon rates
Replies: 28
Views: 24133

I guess most agree that TIPs can be a good part in a well diversified portfolio. If one decides to run it as 2 portfolios (1 TIPs/1 others) and first spending down the TIPs portfolio while letting the other part stay untouched, I guess that does not not change the overall risk/return much. And I am ...
by ben
Tue Mar 22, 2005 1:38 pm
Forum: SWR Research Group
Topic: Getting a newbie up to speed quickly
Replies: 75
Views: 43342

My two cents. Of course Ben and Intercst and Raddr are shooting straight. The central difficulty arises from the appearance that circa 2000 the historical trend channel was broken to the upside(in the U.S.). Add in the current low interest rate and things get chewy. The insights provided by SWR rea...
by ben
Tue Mar 22, 2005 11:18 am
Forum: SWR Research Group
Topic: Getting a newbie up to speed quickly
Replies: 75
Views: 43342

I am always polite Hocus - unlike you in the above post. I presume you are just having a bad day (so am I actually) and will just let it go.
You should try it one day ;) .
by ben
Tue Mar 22, 2005 11:13 am
Forum: FIRE Board
Topic: FIREcalc
Replies: 13
Views: 9170

Yes one of my issues with current calculators is that they do not give us the chance to see how things would have worked out with a more modern portfolio structure - be it reits, commodities, PM, foreign equity, foreign bonds Etc. There is of course a good reason for that; we do not have nearly as m...
by ben
Tue Mar 22, 2005 7:05 am
Forum: SWR Research Group
Topic: Getting a newbie up to speed quickly
Replies: 75
Views: 43342

You need to get yourself up to speed on the ABCs, Ben

He,he - yes might be caused by me not being a native English speaker! :D
by ben
Tue Mar 22, 2005 6:57 am
Forum: FIRE Board
Topic: FIREcalc
Replies: 13
Views: 9170

In current high valuation territory we do not have that many data points so anything can happen. Meanwhile even if FIREd at current valuations historically the 4% would hae survived and thereby have been safe. Right?
Cheers!
by ben
Tue Mar 22, 2005 6:50 am
Forum: SWR Research Group
Topic: Getting a newbie up to speed quickly
Replies: 75
Views: 43342

The 4 percent number was not always safe in earlier periods, BeachBumz. It always SURVIVED in earlier periods. That's something different.
I think this is a key point in some misunderstandings of your posts hocus. I read safe/survived as the same thing - you do not. We don't have to agree.
Cheers!
by ben
Tue Mar 22, 2005 6:36 am
Forum: SWR Research Group
Topic: Getting a newbie up to speed quickly
Replies: 75
Views: 43342

BB; I believe both Intercst and Dory have updated nos up to and including 2003 or 2004. So you can get an exiting historical insight to the first years of the new millinium too. But historically none of the portfolio went bust at 4%. Now for the future... who knows? Anyway only fools would not diver...
by ben
Tue Mar 22, 2005 5:23 am
Forum: FIRE Board
Topic: FIREcalc
Replies: 13
Views: 9170

It does not make guesses about the future. Firecalc is based on history. The future might be different but some of the :shock:should help negate a future enviroment worse than the worst time in the past. Cheers!
by ben
Mon Mar 21, 2005 1:38 pm
Forum: FIRE Board
Topic: FIREcalc
Replies: 13
Views: 9170

Fully agree. And let's not forget that the calculator is basing reply on the historical WORST case scenario :shock:. of a poorly diversified portfolio :shock:, US based only :shock:while blindly pulling a set % plus inflation increases nomatter WHAT the market does :shock:. Each :shock:points out wh...