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Old 03-08-2013, 09:25 AM   #81
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I am not even thinking about checking.
Good. You shouldn't be 'checking' often anyway, you'll just drive yourself crazy --- happy on up days, anxious on down days - all for naught in the long term. Can't speak for others, but I review my holdings quarterly for the most part, that's often enough. DW never looks...
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Old 03-08-2013, 09:50 AM   #82
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True, but to someone in their 40's who has never seen even a one cent decline in any of their investments, ...
I think it was Sherlock Holmes who said, he sees it, but does not observe it.

Those investments are declining in buying power if they are not out-pacing inflation. That is a decline, and certainly more than a cent if it is happening. And it is real, hence the term 'real returns'.

-ERD50
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Old 03-08-2013, 10:40 AM   #83
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Good. You shouldn't be 'checking' often anyway, you'll just drive yourself crazy --- happy on up days, anxious on down days - all for naught in the long term.
+1

If it was practical to check daily on the value of your home, you would never sleep on night.
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Old 03-08-2013, 08:33 PM   #84
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Down AGAIN today and every day since he bought in. I'm going to keep buying more until OBGYN signals that he's selling!
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Old 03-08-2013, 10:37 PM   #85
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Trend is up.

Some days up, some days down...
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Old 03-09-2013, 06:08 AM   #86
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I just checked. It did go down by a couple of hundred dollars.

Getting the bill ready for Midpack and ERD50 :-)
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Old 03-09-2013, 07:27 AM   #87
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Originally Posted by obgyn65 View Post
I just checked. It did go down by a couple of hundred dollars.

Getting the bill ready for Midpack and ERD50 :-)
Are they sharing in future profits too?
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Old 03-09-2013, 07:37 AM   #88
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Ohhh, man. Ahem "Bus driver, I think I'm the only one left on the fixed income only bus"

Could you take me somewhere they have higher interest rates ?!

haha
Relax. He just put his toe in the water.
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Old 03-09-2013, 07:47 AM   #89
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Congrats, obgyn! I am certain you will not be unhappy with this choice down the road.

Now DON'T LOOK AT IT again for 10 years. It will go up and it will go down. Don't panic and sell like I did with my first mutual fund.

I couldn't think of anything original I could say here that would be supportive, but you may want to peek at my new post here: VWINX and Real-Life Retiree Investment Returns
I did this work with you in mind. Notice how robust VWINX is. (Also notice the fixed income portfolio. It is the graph at the very bottom.)

You may want to look at some of the documents on the John Greaney website (in the link in the above post). Some are long in the tooth but all are very instructive.
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Old 03-09-2013, 07:55 AM   #90
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I just checked. It did go down by a couple of hundred dollars.

Getting the bill ready for Midpack and ERD50 :-)
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Old 03-09-2013, 08:01 AM   #91
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Quote:
Originally Posted by obgyn65 View Post
I just checked. It did go down by a couple of hundred dollars.

Getting the bill ready for Midpack and ERD50 :-)
Quote:
Originally Posted by post #81 above in case you missed it...
You shouldn't be 'checking' often anyway, you'll just drive yourself crazy --- happy on up days, anxious on down days - all for naught in the long term. Can't speak for others, but I review my holdings quarterly for the most part, that's often enough. DW never looks...
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Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 03-09-2013, 08:23 AM   #92
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I just checked. It did go down by a couple of hundred dollars.

Getting the bill ready for Midpack and ERD50 :-)
That dip is the equivalent of penguin diving a hundred feet and then swimming upward at greater speed in order to leave the water at great speed and land on an ice flow. This allows the penguin/investor to elude the leopard seal recession.
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Old 03-09-2013, 09:30 AM   #93
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Originally Posted by obgyn65 View Post
I just checked. It did go down by a couple of hundred dollars.

Getting the bill ready for Midpack and ERD50 :-)
No problem! Seriously, no smiley face here!

But to be fair, let's go back a few years when we were first trying to educate you about the risks of an all fixed income AA. Had you spent ten minutes to analyze that, and made the decision (it was your decision to make) to go to a more typical 50%-75% EQ AA at that time, you could have gone 100% Wellesley (~ 38% EQ). Wellesley is up about 1.36X in the past three years.

https://personal.vanguard.com/us/fun...tExt=INT#tab=1


So calculate your opportunity cost, and I'll gladly accept that 'bill', which probably amounts to a negative of several hundred thousand dollars! I'll PM you with an address for you to send the check. Let me know if PayPal would be more convenient.

You're welcome ( )

-ERD50
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Old 03-10-2013, 02:50 PM   #94
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Just checked you have until April 15 for your 2012 return.

T-bird
You are correct. I was so sure of this that I checked now and sure enough you can contribute up to 4/15/2013 for 2012 and 4/15/2014 for 2013. I am really surprised because I was certain I heard that the deadline was year end.
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Old 03-23-2013, 03:44 PM   #95
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I just went back to check. The first time i am checking since last time I posted. So far, $ +0.17. Not sure if I should be happy or not.

Getting the bills ready for you-know-who, just in case :-)
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Old 03-23-2013, 04:42 PM   #96
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Wow, that is iron discipline! Good job for a stock newbie!
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