pb4uski's latest activity

  • pb4uski
    pb4uski replied to the thread Revocable Trust Questions.
    Do you have much outside of retirement accounts?
  • pb4uski
    pb4uski replied to the thread Revocable Trust Questions.
    My experience with DM was that after Schwab knew that she died I was totally frozen out of her retirement accounts even though I had...
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    Yup
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    In your circumstances, I'd do a TIPS ladder with annual rungs for the amount you think that you'll need each year.
  • pb4uski
    pb4uski replied to the thread Revocable Trust Questions.
    I think that you are being penny-wise and pound-foolish avoiding the trust route. It's really preferable.
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    Have you considered a fixed income ladder for the 11 year need and equities after that?
  • pb4uski
    pb4uski replied to the thread What to do with Fixed Income.
    Money market mutual funds have broken the buck only a few times in the last 100 years. I don't worry about such remote risks. From...
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    Actually, what Vanguard projects is in the ballpark with the approach that Jack Bogle originated...
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  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    To be clear, there is NO correlation between which party occupies the White House and stock returns. None. Nada. There are many...
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    I do have some stock funds, but not very much. Let's say that interest rates stay stable... I get my 6.8% yield. If Vanguard and...
  • pb4uski
    pb4uski replied to the thread What to do with Fixed Income.
    I would buy more fixed income, but NOT bond funds or bond ETFs, rather individual issues or target maturity bond ETFs. Today's ~2% TIPS...
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    Not quite. Vanguard's outlook for U.S. cash is 3.1%-4.1%, 120 bps less than their 4.3%-5.3% outlook for U.S. and global ex-US currency...
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    Vanguards 2025 Outlook is available. I suspect the MarketPlace article is keyed on this part of it: Notably, Vanguard's outlook for...
  • pb4uski
    pb4uski replied to the thread 40/60 is the new 60/40?.
    Yield is annual dividends divided by my purchase cost. While most dividends are fixed at x.xx% of stated value which is typically $25...
  • pb4uski
    We have ordered our last three cars in 2015, 2016 and 2022. We like ordering because can get the car exactly how we want it and...
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