Search found 231 matches
- Sun Jan 30, 2005 6:25 pm
- Forum: FIRE Board
- Topic: How I spend my post-FIRE time
- Replies: 70
- Views: 74417
Interesting input Karma. Thanks. I am sure I, like you, will have a long list (I already have) of things I want to do more in FIRE. My own finances, financial advisor, see family/friends more,languages, travel, dive instructor, flying certificate, fitness/work outs and so forth. Some of the things m...
- Fri Jan 28, 2005 11:30 am
- Forum: SWR Research Group
- Topic: High dividend stock MRK goes on sale!
- Replies: 8
- Views: 16996
High dividend stock MRK goes on sale!
Hammered due to some patent issues - down about 10% today - dividends around 5%. might be time to pick up some more eh JWR?
- Tue Jan 25, 2005 12:35 pm
- Forum: SWR Research Group
- Topic: Any FIRE calcs with International market historical data ?
- Replies: 14
- Views: 15595
Hi Dave! you got your up day today :D . Hope more coming! I am a BIG fan of international diversification. One thing not mentioned is the automatic currency diversification one gets in such a portfolio - to me (international life) that has a high value - to others it might be an unwanted risk. Cheers!
- Sat Jan 22, 2005 6:36 pm
- Forum: SWR Research Group
- Topic: Bond Ladders?
- Replies: 11
- Views: 10626
I believe the Vanguard tot market bond fund have existed since about 1986. That gives close to 20 years of history to compare which ever method/mix further back one decides to create. The fund has a split of different bonds both gov/mortgage/tips Etc. Average Eff Duration 4.45 Yrs Average Eff Maturi...
- Thu Jan 20, 2005 12:38 pm
- Forum: SWR Research Group
- Topic: The year 2000 retiree status
- Replies: 24
- Views: 21129
- Thu Jan 20, 2005 11:13 am
- Forum: SWR Research Group
- Topic: The year 2000 retiree status
- Replies: 24
- Views: 21129
He has written quite a few books actually: http://www.harrybrowne.org/about.htm
- Thu Jan 20, 2005 10:00 am
- Forum: SWR Research Group
- Topic: A Hand Calculation for 2000 to 2005.
- Replies: 15
- Views: 12596
You may have guessed this already: there is no single, standard procedure. Yes you can say that again! :lol: for a real life retiree 31st Dec 1999 the situation is however that he would need to pull some money out for spending - he can certainly not wait untill end 2000.... With VBINX doing so well...
- Thu Jan 20, 2005 9:14 am
- Forum: SWR Research Group
- Topic: A Hand Calculation for 2000 to 2005.
- Replies: 15
- Views: 12596
Ah reading it again you use the word interim for same as my END year. He ENDED 2004 with $893k(in todays USD) and about 20k less if he had adjusted the w/d for inflation. Phew...we agree! :D Looking at 2005 he would then have pulled $40k out but they are STILL in his ING Orange account(most of them)...
- Thu Jan 20, 2005 9:03 am
- Forum: SWR Research Group
- Topic: A Hand Calculation for 2000 to 2005.
- Replies: 15
- Views: 12596
- Thu Jan 20, 2005 8:44 am
- Forum: SWR Research Group
- Topic: The year 2000 retiree status
- Replies: 24
- Views: 21129
the browne concept has been studied widely at business schools (I spend some time at INSEAD where it was a popular concept) and there is a great fund: PRPFX using the principles(e/r a bit high). i agree with Hocus that my personal portfolio uses some of those principles. That said mr. lazy-bugger co...
- Thu Jan 20, 2005 8:23 am
- Forum: SWR Research Group
- Topic: A Hand Calculation for 2000 to 2005.
- Replies: 15
- Views: 12596
Hocus is ofcourse right - my own portfolio is different from the Mr. lazy-buggar-couch-potato-2000-retiree (LBCP) I am describing. :D I am however using LBCP an example to compare with as buying VBINX is as simple as it gets - and makes much more sense than buying only PARTS of the US equity and bon...
- Wed Jan 19, 2005 5:25 pm
- Forum: SWR Research Group
- Topic: A Hand Calculation for 2000 to 2005.
- Replies: 15
- Views: 12596
My lazy buggar couch potato unclemick stylke buys the VBINX consisting of total US stock market 60% and total US bond market 40 % and takes the first 40k out already on 1st Jan 2000(how the heck can he pull END year!? :lol: cat food for a year!?). He had much more left at the end of 2004 according t...
- Wed Jan 19, 2005 5:15 pm
- Forum: SWR Research Group
- Topic: The year 2000 retiree status
- Replies: 24
- Views: 21129
JWR one difference is that VBINX is TOTAL US market and TOTAL bond market - no need that the 2000 retiree stick to SP500 and gov bonds only when a fund like that is available. Only reason we keep looking at SP500 and gov bonds further back is that we do not HAVE the total market data. But for the 20...
- Wed Jan 19, 2005 12:13 pm
- Forum: SWR Research Group
- Topic: The year 2000 retiree status
- Replies: 24
- Views: 21129
4.1% real TIP return would cetainly be nice - and a very prudent move indeed. I will continue to keep track of this VBINX 2000 lazy-bugger retiree for years to come and we will see if he makes it or not. If he makes it through 11 years without too big losses pr with gains JWR research seems to indic...
- Wed Jan 19, 2005 10:21 am
- Forum: SWR Research Group
- Topic: The year 2000 retiree status
- Replies: 24
- Views: 21129
The year 2000 retiree status
On this board the year 2000 retiree is often refered to as being doomed at the conventional 4% w/r. I looked at the unclemick style balanced Vanguard index fund VBINX (60/40) for retiree w. $1M pulling 40k first year and adjust for inflation yearly. He would have ended 2004 with $883k in the fund (i...
- Sun Jan 16, 2005 4:13 pm
- Forum: SWR Research Group
- Topic: War games - 2% vs 4% today
- Replies: 54
- Views: 40033
Hi mick; no I have not found an DVY equivalent abroad but I guess a JWR style selection of 5-10 int. high/stable dividend growers could do the job too. Personally I would prefer both as one would be very dependent on the value of diversification (the one stock crashing/cutting dividends/going bankru...
- Sun Jan 16, 2005 8:22 am
- Forum: SWR Research Group
- Topic: War games - 2% vs 4% today
- Replies: 54
- Views: 40033
Or maybe a simpler solution: 25% DVY, 25% REITs and then 50% TIPs? At todays yelds the DVY/REITs should be close to the 4%(real if increase with inflation as I believe would be a fair guess?) and the TIPS is about 2%(real) for a total 3%(real) per year. DVY is a bit heavy in financials so maybe a ut...
- Fri Jan 14, 2005 1:39 pm
- Forum: SWR Research Group
- Topic: Intercst Article on 2% SWR
- Replies: 64
- Views: 53901
- Fri Jan 14, 2005 1:17 pm
- Forum: SWR Research Group
- Topic: War games - 2% vs 4% today
- Replies: 54
- Views: 40033
Good points here! :D first of all I agree that TIPs main function is to preserve the money - I also think they are a great bench mark to compare other SWR calculations against for the same reason. I am actually open for part time work should I retire from my current job. Like Hocus it would have to ...
- Thu Jan 13, 2005 7:45 pm
- Forum: SWR Research Group
- Topic: War games - 2% vs 4% today
- Replies: 54
- Views: 40033