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My wife and I will be 60 in 2017. We like to hold 60% world stocks and 5% cash. Which bond portfolio do you like best for our retirement? 1. 100% TBM: ER = 0.25%. YTM = 1.84%. Duration = 5.6 yr. 2. 50% USA treasuries + 50% corps: ER = 0.12% YTM = 2.3%. Duration = 6.5 yr. 3. 30% USA...

Equity Dividend Investing ETFs SCHD: Expected return = 7.12%. SEC Yield = 2.81%. VIG: Expected return = 7.83%. SEC Yield = 1.96%. Combo: Expected return = 7.48%. SEC Yield = 2.39%. Equity Index Investing ETFs VTI: Expected return = 8.51%. SEC Yield = 1.78%. VXUS: Expected return = 10.65%. SEC...

Using a 60/40 port Firecalc says our 100% SWR = 3.42% for 39 years. If we use a 40/60 port our SWR = 3.24%. Would it be wise to cut back our volatility risk (a la Bernstein's "you already won the retirement game") for 18bps of SWR cost? We really like the 60/40 allocation emotionally. But...

It's almost impossible to beat the market. The Magic Diligence strategy is an excellent attempt. It uses "Magic Formula" stocks and tries to pick the best of them. Again. An intelligent strategy, lots of hard work and stress has not been able to beat its "market" over the last six years. SCHA...

I subtract our expense and tax ratios from the SWR to find our highest net SWR. Check out and comment on the following: Age % Stocks SWR 55 65 4.2 60 60 4.3 65 55 4.4 70 50 4.5 75 45 5.0 80 40 5.2 85 35 5.5 90 30 6.0

Wife and I are 56 years old. We retired this year. I worry about inflation risk. My wife is more concerned with volatility risk. We both agree about our rule of thumb: a conservative investor = age in fixed income; moderate = age-10; aggressive = age -20. I'm extremely worried about the fact...

GalenoFire: REAL NET CAGR = 6.26%. GSD = 18.56%. VWELX: REAL NET CAGR = 5.63%. GSD = 13.49%. CPI = 2.25%. TR = 0.4%. Winner = VWELX on a risk adjusted return basis.

#64 galeno Dryer sheet aficionado Join Date: Nov 2002 Location: Alajuela, Costa Rica Posts: 41 I'm thinking about cutting back our equity from 65% to 60%. I'm also thinking of diversifying into a REIT for 5% of port vs overweighing EM equities by 5% because they are cheap. The forward...

In October, our portfolio looked like this: 60/30/10 (stocks/bonds/cash). With our 30% in SCHZ (intermed bonds) yielding so little, we decided to trade 30% of SCHZ for 5% SCHD (equity dividends) + 25% CASH (5yrCD ladder). The bet turned out to be a good one. SCHD has increased by 21% since we...

Hello. Wife and I are early retired since 1995 and live in Costa Rica. Our retirement portfolio consists of five equity ETFs, two offshore bond funds, and a MMF. We own a nice home that's free and clear of any debts and makes up about 20% of our total net worth. Our children will go to...

I'm probably infamous to some of the regulars from the REHP board on TMF, but I should introduce myself to the new members that haven't seen me on the MF message boards. I retired in 1995 at age 38 after working almost 14 years as a private practice physician in Costa Rica. I have...