Search found 231 matches

by unclemick
Mon May 09, 2005 3:59 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 09, 2005 2:46 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 09, 2005 4:51 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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 -...
by unclemick
Sun May 08, 2005 7:02 am
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 17133

I can only echo the last line of Petey's post - you must be clear why you would buy TIPs and how they would function within YOUR portfolio/ER plan.

Since they trade in the market - per the late J.P. Morgan - the price will fluctuate once issued.
by unclemick
Sat May 07, 2005 12:46 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

Hmmm Being a left handed INTJ - if the internet had exsisted like today in 1973-1982(the famous "Stocks are Dead!' article) - one can conjecture what would dominate forum discussions - bond durations, the proper way to hold gold. how to leverage real estate, possibly the best 'collectbles' to own' e...
by unclemick
Fri May 06, 2005 1:53 pm
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 17133

The horse you rode in on.

Other than location, location, location - some people(seemingly not me) learn real estate aspects faster/better/ or just have a knack for it.

So if real estate works for you - by all means - keep it it up.
by unclemick
Fri May 06, 2005 8:46 am
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 17133

Ah yes BB - you done good - whereas my RE has been only so-so or just ok.

There is a horse you rode in on element here.

???Wasn't Intercst a renter???

Heh, heh, heh.

O.k, ok! - so the REIT Index has been kind to me over the last five years as a counterbalancer.
by unclemick
Fri May 06, 2005 4:28 am
Forum: FIRE Board
Topic: Bonds in a portfolio and TIPS ladders
Replies: 21
Views: 17133

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...
by unclemick
Wed May 04, 2005 4:24 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Tue May 03, 2005 2:41 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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 ...
by unclemick
Tue May 03, 2005 3:09 am
Forum: FIRE Board
Topic: Taxing problem for benefits
Replies: 2
Views: 3691

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...
by unclemick
Mon May 02, 2005 5:19 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

Beachbumz

Real estate? Oops - I forgot. 10% REIT Index for me. But real RE can work also as you can attest to.
by unclemick
Mon May 02, 2005 4:29 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 02, 2005 3:03 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 02, 2005 11:24 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 02, 2005 6:59 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 02, 2005 6:08 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Mon May 02, 2005 5:20 am
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...
by unclemick
Sun May 01, 2005 3:40 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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 ...
by unclemick
Sun May 01, 2005 2:54 pm
Forum: FIRE Board
Topic: A TIPS Ladder Example
Replies: 103
Views: 64159

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...