Search found 231 matches
- Mon May 09, 2005 3:59 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Poking around Nobert's Libra Investment Management website - I came across what I consider to be THE SINGLE MOST CRITICAL ELEMENT of a successful ER - they call it The Investment Policy Statement. Mine is called simply - The Plan - it's about 11 going on twelve years old and overdue for it's ten yea...
- Mon May 09, 2005 2:46 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Yep The big holes I perceive in my portfolio - proper international(10% buried in Lifestrategy), real estate(10% REIT Index) and to a lessor extent ????commodities via PCRIX or some such. Given my less than stellar attempts in the 70's and 80's - I have a fear of chasing horses that have left the ba...
- Mon May 09, 2005 4:51 am
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Hmmmm Nobert So the glass is half empty. You have presented the pitfalls of ladders - big hand grenade here, I mean ladders in general. Difficulties in execution and waiting for dare I say RTM puts you at risk because you have reduced principle while waiting for valuations to get better. True grit -...
- Sun May 08, 2005 7:02 am
- Forum: FIRE Board
- Topic: Bonds in a portfolio and TIPS ladders
- Replies: 21
- Views: 77341
- Sat May 07, 2005 12:46 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
- Fri May 06, 2005 1:53 pm
- Forum: FIRE Board
- Topic: Bonds in a portfolio and TIPS ladders
- Replies: 21
- Views: 77341
- Fri May 06, 2005 8:46 am
- Forum: FIRE Board
- Topic: Bonds in a portfolio and TIPS ladders
- Replies: 21
- Views: 77341
- Fri May 06, 2005 4:28 am
- Forum: FIRE Board
- Topic: Bonds in a portfolio and TIPS ladders
- Replies: 21
- Views: 77341
Duh I never looked at JWR's stuff as portfolio's - just good data sets to demonstrate research questions. Nobody considers them actual portfolio's to be held by real people(do they???). JWR has pointed out the limitations of methods of calculation often enough. Ataloss hit the nail on the head - hen...
- Wed May 04, 2005 4:24 am
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
So the simple minded scenarios are stunningly effective - got you guys to thinking about the what if's and considering variations. BTY - The DVY idea is interesting. If not cpu adjusted - what are the alternatives. ?? What else is out there to provide the anchoring - other than Beachbumz's real esta...
- Tue May 03, 2005 2:41 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Heh,heh Or you apply some 'insight' (pun intended) to this thread. Buy Vanguard Target Retirement Series - Income -take out the 3.75% current yield. Keep some Cash for the other 0.25% or even be frivolous and take out 4%. When Mr Market and the march of time presents acceptable current yield in one ...
- Tue May 03, 2005 3:09 am
- Forum: FIRE Board
- Topic: Taxing problem for benefits
- Replies: 2
- Views: 12253
The Federal tax code is why I am shifting deck chairs on the Titanic - using the ORP Retirement Calculator to try out the effects of mini Roth Conversions, taking SS late, looking at beefing up dividend stocks(not easily simulated on a calculator). Age 62 this year, filing single, 65% Trad. IRA, whi...
- Mon May 02, 2005 5:19 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
- Mon May 02, 2005 4:29 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Ataloss! Skip the pension, TIPs - fund your baseline with 100% good dividend stocks while playing stock/bond allocations along the Vanguard Target Retirement Series depending on valuations. DCA your pension and SS into Vanguard along the way! Do I have the guts to do it? Nope! Thinking about it - ye...
- Mon May 02, 2005 3:03 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Sigh! One more time - If you go to the Libra Investment Management website, click on Investment policy and look at the mythical widow example portfolio - you will find a very good MPT type portfolio. Couldn't have done a better job on my best day. Now you take my mythical sweetie - the steely eyed N...
- Mon May 02, 2005 11:24 am
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Nobert I can't follow your gibberish - so I went to your Libra Investment Management website to see what the heck you are selling. From what little I could gleen - passive, diversify, MPT, low cost, tax advice for Canadians with cross border tax issues. Not unfamiliar to indexers. Since you scored h...
- Mon May 02, 2005 6:59 am
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
No That would insult value averaging. I was much more eratic - separating adding more to a position, selling and rebalancing, etc, would not fall neatly into a catogory. Recently per Bernstein's Efficient Frontier website mention, I read Edelson's Value Averaging from the library. And I putzed, putz...
- Mon May 02, 2005 6:08 am
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
The Chinese Box. Outside of my plunka, plunka DCA, I played with the Chinese box concept I learned from Mr Tuck back in Seattle. I had a trend line layed out into the future on graph paper (8%) and harvested $ when Mr Market was kind and put it in the credit union(no ladder). Wasted a lot on dirty b...
- Mon May 02, 2005 5:20 am
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Duh I seem to have missed something - ? isn't the whole point of a ladder to sell bonds(of whatever kind) as they come due. Who cares about market vs NAV in the stretch? Volitility can be friend or foe - depending on your accumulation/distribution cycle and your investment approach. In the distribut...
- Sun May 01, 2005 3:40 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Over thirty years ago, I had an epiphany, don't try to convince fellow family members that they were loony tune wack jobs for even listening to Republicans - let alone voting for one. No more politics - great family relationships ever since. I like JWR's idea of a newsletter format - great place to ...
- Sun May 01, 2005 2:54 pm
- Forum: FIRE Board
- Topic: A TIPS Ladder Example
- Replies: 103
- Views: 743942
Hmmm I have no problem understanding JWR's stuff. Dividends were 40% of my taxable income for a long period of ER. 1966 - 1982 (albiet work years), became quite familar with periods of rising earnings combined with falling multiples. Now in my second decade of ER have to look at things like spending...