Search found 559 matches

by ataloss
Fri May 06, 2005 1:49 am
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 72600

In fairness to JWR, his example was a "TIPS Ladder Example". It wouldn't make much sense to have em debt or junk bonds, since they are not TIPS Makes sense, also consistent with his use of non-real estate exclusively us based stocks as his equity portion of his example portfolios. That is...
by ataloss
Thu May 05, 2005 8:24 am
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 72600

so why would you hold tips and exclude em debt, junk bonds etc as in jwr's example
by ataloss
Wed May 04, 2005 12:41 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

tips are good, dividends are good some portfolio switching may be in order from time to time but since we can't predict the future it is hard to specify stratagies in advance. norwegion widow and all that. probably withdrawals should be sensiblly reduced during market downturns ( http://www.gummy-st...
by ataloss
Wed May 04, 2005 2:07 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

Hi ben, I think what is missed in some of the simple minded scenarios is the dependence on the official cpi number I don't agree with petey that there is an intentional understatement if you run the numbers for 1.5% real tips and 3% inflation for 40 years then change the assumption so that inflation...
by ataloss
Tue May 03, 2005 3:02 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

wonder what petey would think of depending on 1.5% real tips in view of the doubts he has expressed about government cpi determinations: petey: Cos they mess with the numbers. Period. There is no other reasonable explanation! If they were not messing with the numbers and yet the basket of goods were...
by ataloss
Tue May 03, 2005 8:16 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

At the old SWR Research Group discussion board, we successfully identified and developed three major approaches for retirees with stocks at today's valuations. They are allocation switching, dividend-based strategies and our TIPS baselines. lol, what happened to those valuable datamined "insig...
by ataloss
Mon May 02, 2005 3:35 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

I guess I was taking jwr's post too seriously. In the sense of have some stocks and bonds, sell bonds when the stocks are down. otherwise live on the dividends and stock sales. reallocate from time to time it sort of makes sense although along with es I am wondering how many will be happy with a 100...
by ataloss
Mon May 02, 2005 12:33 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

I think Norbert is trying to get a response from jwr and pushing a little bit- par for the course at discussion boards when a question isn't being addressed. JWR did touch on an answer in his last post and it makes some sense to me although how you determine how high is high, when to switch etc. are...
by ataloss
Mon May 02, 2005 11:54 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

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? A TIPS Ladder allows you to avoid selling stocks at distressed prices, which is what causes retirement portfolios to fail. You can av...
by ataloss
Mon May 02, 2005 3:23 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

so es do you agree with jwr's decision to ignore volatility wrt tips prices?

also are there questions that must not be asked of jwr- might be a help to nfs and myself

won't ask anyone what "insights" they have gleaned from jwr's "research" on this matter :wink:
by ataloss
Mon May 02, 2005 2:17 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

to clarify, most dividends are not longer taxed at ordinary income rates (reits, other exceptions) but they are also not deductible 1 for 1 against realized capital losses either, correct? right (and the 3k limitation is ridiculous but we have to live with it) i think tax issues might be the one th...
by ataloss
Sun May 01, 2005 5:20 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

hi hix, you are right about the relative tax disadvantages of dividends although dividends are no longer taxed as ordinary income there is no deferral no reason not to have some noncorrelated stocks to sell for tax losses to offset gains, some reit distributuions are part dividend and part return of...
by ataloss
Sun May 01, 2005 3:13 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

hi unclemick

dividends are good- is that jwr's point?
better to buy (stocks) low and sell high- another of his unique insights?

jwr isn't always wrong but he seems to have a great deal of unjustified confidence (e.g predicting the future)

jwr generates all sorts of relatively meaningless numbers to back up his truisms but to find value in jwr reminds me of reed talking about kiyosaki

"˜Missing the point'
Since I posted this analysis, a number of Kiyosaki "cult members"￾ have contacted me to denounce me for "missing the point"￾ of Kiyosaki's book. "OK,"￾ I responded, "Please tell me the point."￾ The odd thing is that each person has a different version of what the point of Kiyosaki's book is - and it is never something I recall reading in the book. In fact, if a book has a point, multiple readers ought to come up with the same answer when asked what that point is. If they come up with different answers, it is either because the author was incompetent at communicating his point, or because the book has no point, or because the author deliberately obfuscated the point.

http://www.johntreed.com/Kiyosaki.html

Anyway I am glad that his "research" is no longer featured here :wink:

and thanks to ykw for alerting the hocomania board about this thread :lol:
by ataloss
Sun May 01, 2005 10:03 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

nfs, he can wait you out. asking relevant questions is considered "ataloss type posting" and is highly discouraged in some circles

But I will be watching with intercst
by ataloss
Sat Apr 30, 2005 1:33 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 727241

I'm having a little difficulty getting all these numbers to add up


lol, :lol:
by ataloss
Sat Mar 26, 2005 12:42 pm
Forum: SWR Research Group
Topic: I Want To Be Your Board General!
Replies: 10
Views: 43850

ataloss substitutiong for the ill jwr

absolutely, I can verify that macduff is not hocus
by ataloss
Fri Mar 25, 2005 2:19 pm
Forum: SWR Research Group
Topic: Not Enough Censorship
Replies: 6
Views: 19673

agree completely. Without censorship, Gresham's Law takes over, and careful reasoned, polite discourse is driven out by bombast, over-simplification, and hostility. Anonymity on these boards allows small minded cowards to take shots at their betters; and where else can that happen? Mac good post ho...
by ataloss
Fri Mar 25, 2005 9:48 am
Forum: SWR Research Group
Topic: TIPS drawdown at staggered coupon rates
Replies: 28
Views: 70766

good point kathyet!


quality of life is key
by ataloss
Thu Mar 24, 2005 3:16 pm
Forum: SWR Research Group
Topic: Hocus actually won the TMF REHP poll
Replies: 1
Views: 11578

Like the burning of the Amazon rainforest or the receding African plains, the ecosystem that supports El Hoco Loco is rapidly disappearing. Wild Hocomania is now only observed in one small game preserve at the nofeeboards. It's a threatened and endangered species. I don't have to remind you of YKW'...
by ataloss
Thu Mar 24, 2005 12:25 pm
Forum: SWR Research Group
Topic: TIPS drawdown at staggered coupon rates
Replies: 28
Views: 70766

ok petey, there have been proposals for 100% tips portfolios (and you are way too young for that :lol: )