Search found 278 matches
- Thu Oct 16, 2003 1:56 pm
- Forum: SWR Research Group
- Topic: 3% SWR for 56 Years
- Replies: 9
- Views: 11947
- Tue Oct 14, 2003 2:21 pm
- Forum: FIRE Board
- Topic: Millionaire "Code"
- Replies: 14
- Views: 13540
- Sat Oct 04, 2003 8:42 am
- Forum: FIRE Board
- Topic: REIT personal finance USA article
- Replies: 3
- Views: 4142
The ETF index funds generally have provisions that keep them trading pretty close to the net asset value of the underlying stocks. I don't follow closed end funds very often, but when they get above NAV, this tends to indicate that their underlying stock sectors are currently popular. When the indiv...
- Fri Oct 03, 2003 9:17 am
- Forum: FIRE Board
- Topic: REIT personal finance USA article
- Replies: 3
- Views: 4142
- Fri Oct 03, 2003 9:10 am
- Forum: FIRE Board
- Topic: UK Gov offer: Work till 70, get $45k lump sum
- Replies: 4
- Views: 4792
Here in the United States we can defer Social Security until age 70, and get a larger inflation adjusted monthly check in return. If the laws are still the same in 24 years when I reach 70, I may opt for this myself. I wish to bet on a long life expectency. That way SS will act as a back up plan in ...
- Tue Sep 30, 2003 5:55 am
- Forum: FIRE Board
- Topic: Is SWR a can of worms?
- Replies: 29
- Views: 19691
Petey wrote: I plan to do the last five years when I've selected a testbed bunch of funds to match my planned asset allocation and have all the data. Mike replies: The mix of funds that performed the best in the last 5 years are not necessarily the funds that will perform the best in the next 5 year...
- Fri Sep 26, 2003 1:13 pm
- Forum: FIRE Board
- Topic: Kenneth fisher thinks the future looks fine
- Replies: 11
- Views: 9555
Current valuations will almost certainly drag down long term returns from here. However, with earnings recovering, and the forces keeping valuations high showing no sign of fading, I would guess that the next favorable season for stocks (Nov-May) will likely lead to equity gains. Of course, the dang...
- Tue Sep 23, 2003 10:02 am
- Forum: FIRE Board
- Topic: Baby step towards FIRE
- Replies: 7
- Views: 6968
Indeed. After watching so many people I know die at a relatively young age, or develop health problems that seriously affected their ability to enjoy life, I am not at all sure that I made the right choice. No mortal knows how many days he has on this earth, or how long his health will hold out. I w...
- Tue Sep 23, 2003 8:57 am
- Forum: FIRE Board
- Topic: Baby step towards FIRE
- Replies: 7
- Views: 6968
When I was 19, I thought to myself that it would probably be easier to earn money while I was young than when I was older. I found the lowest pressure job that I could, and puttered around 40 hours per week at it. I maxed out my IRA and 401k, then saved about half of my take home pay on top of it. A...
- Mon Sep 15, 2003 9:44 am
- Forum: FIRE Board
- Topic: Gold, precious metals, Oil & Gas, Timber as asset classe
- Replies: 6
- Views: 6048
- Mon Sep 08, 2003 12:32 am
- Forum: SWR Research Group
- Topic: The Modified RE Switching Calculator
- Replies: 2
- Views: 4903
If I understand what you are saying, 80% stocks improves long term portfolio survival as long as P/E 10 is below 20. Above 20, 80% stocks seems to reduce survival rates, at least at a 4.19% withdrawal rate (based on running my copy of the REHP calculator for a constant 80% stock/20% TIPS regardless ...
- Fri Sep 05, 2003 12:15 am
- Forum: SWR Research Group
- Topic: My Days at Pizza Hut University
- Replies: 35
- Views: 33553
- Fri Sep 05, 2003 12:07 am
- Forum: SWR Research Group
- Topic: My Days at Pizza Hut University
- Replies: 35
- Views: 33553
John R. wrote: I will now draw attention to the reduction in stock payout ratios. Mike replies: The data does support lower payout ratios as a partial cause of today's lower dividend yields. Although I think that the current P/E 10 may be artificially high due to a singular event. Corporate CEOs wer...
- Wed Sep 03, 2003 7:56 pm
- Forum: FIRE Board
- Topic: Personal inflation vs. reported inflation
- Replies: 6
- Views: 7800
Personal Inflation Rate
It seems to me that to calculate your personal inflation rate all you have to do is write down what you spend in a year, then compare it with what you spent in past years. You can break it down by categories to see if your housing, food, or such is going up much faster than the other categories. You...
- Wed Sep 03, 2003 4:10 am
- Forum: SWR Research Group
- Topic: My Days at Pizza Hut University
- Replies: 35
- Views: 33553
- Sun Aug 31, 2003 11:27 pm
- Forum: SWR Research Group
- Topic: My Days at Pizza Hut University
- Replies: 35
- Views: 33553
Prior to defined contribution plans and their 401k's, retirement plans were managed institutions. Historically, those institutions favored stocks more than individuals. That would produce an effect opposite of what Mike has suggested. Mike replies: That would be true if all (or the vast majority) o...
- Sat Aug 30, 2003 3:56 pm
- Forum: SWR Research Group
- Topic: My Days at Pizza Hut University
- Replies: 35
- Views: 33553
Boomers and Dividends
The immediate effect of tax sheltered accounts (401k's and IRA's) is to favor dividends. Mike replies: Exactly so. By encouraging boomers to buy dividend paying stocks, the 401k/IRA has raised the price of the stocks, thus lowering yields. Similar to how the tax favored status of municipal bonds lo...
- Sat Aug 30, 2003 2:37 am
- Forum: SWR Research Group
- Topic: My Days at Pizza Hut University
- Replies: 35
- Views: 33553
If I understood the article: 1) Dividends were the lion's share of past equity total returns. 2) Dividends are at historically unprecedented lows. 3) Therefore, future equity returns from here are likely to be below historic averages. To me, it seems that the boomers may be causing this lower divide...