Recent content by enjoyinglife102

I'm in the keep it simple camp. Interesting that many have posted their more elaborate, time consuming and record keeping strategies confident they have delivered better performance without a shred of evidence that is so. Sounds like to me they invest in a way that makes them comfortable and...

I held Wellesley for years but did sell it on a dip that minimized capital gains for me only because of the uncertainty of end of year distributions. Any effort to carefully manage income throughout the year is easily thwarted by an unanticipated distribution.

I know many people and have read many stories about the need to go back to work after stocks collapsed. Not so for those with conservative portfolios. Inflation and spending habits can be managed and controlled. Seeing my savings cut in half can't be. The boogeyman of inflation often...

I don't consider this a debate or that there is only one metric that matters. Each individual has to determine what works for them and thus will allow them to live a good life and be at peace. Since the OP asked for preferred approaches, I use Dividend Funds, Intermediate Bond funds and Cash...

Totally agree, everything is fine and manageable until it isn't. Recency bias keeps us from appreciating history.

I'm one who values simplicity and questions if all this time, complexity and effort will produce results better than your original strategy using bnd. Not for me, I'll stick to my 3 fund approach rebalancing annually and spending my time on other things.

No brainer to me. Why spend years being miserable when you can make the numbers work and be happy?

I'd sell them at the first opportunity that the 3 month interest penalty isn't that big of a hit. As I get further in retirement, simplifying my portfolio is what I'm striving to do. An investment limited to 10k once a year isn't impactful and thus not worth my time and effort.

I'm one more who has been out of international stocks for over 20 years agreeing with others that US companies have plenty of exposure to international business. Bogle and Buffet say they're not needed, that's good enough for me.

Vanguard Intermediate Investment Grade Yields 5.18%. Bond funds have taken a beating, what better time to buy? I don't have the capacity to predict interest rates, and by the way, neither does the Fed. Inflation was "transitory" and no need to raise rates. Oops, sorry we got it wrong and now...

If you prioritize simplicity, I wouldn't bother dealing with I-Bonds with a 10k per person annual purchase limit. I'd also pass on CD and/or Treasury ladders. Sure you get a decent yield right now but you get that with a bond fund as well. When rates go down, you'll be buying replacements on...

Your choice - follow Warren Buffet's advice or random strangers on the internet.

I can usually just time either the stock market or the bond market. Wellesley, with it's bond/stock allocation, requires the timing of both. Stay the course.

+1 I'm at 30/70. Based on the past and what some guys like Ben Ghraham and Rick Ferri have recommended, this seems to be good balance between risk and return while in retirement. I'm much more focused on the return of the money and enjoying the life it can provide now in my healthy years at...

Keep in mind that Monte Carlo simulations may create scenarios that are highly unlikely to occur, the same can be said for historical actual outcomes. Monte Carly simulations are just another tool, among many, to develop what each individual concludes is reasonable for them given the...