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I recently noticed that my usual stock bond allocation jumped seemingly overnight from my usual 50/50 to 57/43 in the Vanguard allocation pie chart. About 40% of my liquid NW is in Wellesley and when I dug into it I realized that Vanguards detailed asset allocation tool shows Wellesley at 49%...

I was just playing around with the backtest portfolio Asset allocation tool https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults and just for the fun of it I picked the time period from Jan 2000 to the present. I picked that time period because it seems to me like the...

Every time I log on to Vanguard (where I have the majority of our funds) I get a push for their advisory services, I get a constant barrage of e-mails with the same. It just seems they are starting to drift far from Saint Bogle's maxims. Their advisory rates are not unreasonable at 0.30% or...

It sure looks to me like today's market action is one of the better examples of Zweig’s — “Don’t fight the Fed”. Over 700 point swing on FED action "Stocks rose Monday after the Federal Reserve said it is expanding the scope of its $750 billion emergency corporate debt loan facility to include...

Wow, if this comes to pass then a lot of the Roth conversions may become of questionable benefit. Per Forbes article "More changes are coming to required minimum distributions (RMDs) from retirement accounts. One change could be their complete elimination."...

I don't understand why the ratio of total deaths to total cases is going up over time in the numbers reported at this tracking website https://www.worldometers.info/coronavirus/#countries . It was in the range of 4% a month ago and it's over 6% now. I would expect as more and more people...

It looks like somebody forgot to put in the value for either the foreign stock or foreign bond portion of the fund. If memory serves it also happened some time ago. It sure grabs one's attention for a second.

I just received the Annual notice of changes for my Plan D from Humana RX plan. Premium goes up for 2020 from $26.60 a month to $56.60 - 113% increase. All I can say is wow. Time to start researching other plans. We are fortunate (wife and I) that our prescription needs so far are minimal...

Wow, down 16.33% today. I've never seen such a drop in an index balanced fund when the underlying index funds have not had anywhere near such drops. If anybody knows what happened please share.

I was just trying to post a very cute video of my Grandkids dancing to a Fleetwodd Mac song in the Rumours album which was playing on the TV and was having a hard time doing so. Come to find out Facebook's software did not allow the post to proceed because the song playing in the background was...

I've watched many videos of robots stumbling about and falling over when trying to go up stairs, or something just as simple as opening a door and walking inside. I guess those videos are supposed to comfort us into thinking the robot world envisioned in SciFi is so far away we need not be too...

"If you're a tightwad, make sure your partner is too" https://moneyish.com/heart/marry-someone-as-cheap-as-you-are/

Interesting take from an article in Market watch “It seems entirely plausible that the new rules would discourage older workers from retiring or going out on their own to start a new business — if it means giving up employer-sponsored health coverage,” said Tricia Neuman, a senior vice...

I was surprised to see an article @ the Vanguard website mentioning the advantages and out performance of their actively managed funds: "Between 1985 and 2014, Vanguard active funds, on an asset-weighted basis, have delivered about 0.45% in outperformance, net of fees.1 That may seem...

I had a double lead pacemaker implanted in September after a number of episodes of Sinus Arrest. 4 and a half months later I've yet to really get used to it. My shoulder and implant area still hurt occasionally and it still feels - I don't know how to describe it- as if the wires are pulling...

I started working on my year end numbers and I've been simply taking my expenses divided into my liquid NW as the % of withdrawals and my average has been about 4.3% since ER back in 2002. (This includes 3 new vehicle purchases). I just realized however that I really should take SS and a...

I have followed a 50/50 AA since ER back at the end of 2002. This has served me well since bond returns have been very good over that period and in fact my liquid NW has doubled since ER even after draws for living expenses over the last 14 years. It would seem that there is a fairly strong...

I'm in the process of converting from Quicken to Gnucash in Linux and because of the complexity of converting the gigantic Quicken files (dating back to 1992) I've decided to start fresh and just input 2016 transactions to catch up. But I still need to enter starting positions for our mutual...

Well, I guess we officially have a problem a this forum. "The people who are most effective for saving for retirement — who live frugally and manage to save a big piece of their income — get that so ingrained into their behaviors that by the time they retire with their healthy nest egg, they...

Like ( I assume) many of the posters at this forum I have an 800+ credit score but I'm not sure what it does (or doesn't do) for me. I never buy anything on credit ( that is, I buy as much as I can on my credit cards and pay the balance at the end of the month). I pay cash for cars since they...

This year we decided to plant Bok Choi, after several years of not having any in our garden. We had a wonderful crop and then the little green cabbage worms started appearing as if by miracle in huge numbers and decimated our crop. Just curious, were these worms teleported to our garden by the...

When it comes to saving for retirement. 401k's and IRA's worked just fine for me and enabled ER at 52. I honestly don't understand all the negativity in this article Why retirement is a myth - MarketWatch

I was very surprised to see that Fidelity Contra Fund was the best performing in our portfolio last year with a 6.49% Return. I mostly roll index and Wellesley/ Wellington but I'm glad this is one of the legacy funds! The worst one was Mutual Shares at -3.8% (another legacy fund)

I happened to be looking at the results for the Lazy Portfolios in Marketwatch Invest Simple with Lazy Portfolios - MarketWatch.com. It then occurred to me to compare these results to Wellesley and Wellington for 1,5, and 10 years. I assume the lazy portfolios include results thru 12/31/15...

I've been ER'd for 13 years now. This is only the second time in all those years that my portfolio shows a lower balance at the end of the year than at the beginning ( I live off my portfolio except for SS started 3 years ago at 62). The loss in 2008 was 12 times greater than the loss this...