BruceBrown’s Activity

Fri Oct 19

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Boards Post

BruceBrown replied to the Retirement Investing board. 10:21 AM

Re: SS and Asset Allocation

It wouldn't even have to cover all expenses, just a significant portion. If you need 4% of your portfolio (excluding any calculation of NPV for SS) for income, but SS and/or pension provides income equal 1.5% of your portfolio, managing the [more]

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Boards Post

BruceBrown posted to the Dividend Growth Investing board. 9:04 AM

Bruce Miller on 199A REIT Deduction...

BruceM had a very nice article yesterday at Seeking Alpha on estimating the REIT deduction due to The Tax Cut and Jobs Act of 2017. IMO, it's worth the read to start getting yourself up to date on what to expect when we file our 2018 tax [more]

Thu Oct 18

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Boards Post

BruceBrown replied to the Retirement Investing board. 7:19 PM

Re: SS and Asset Allocation

Should Social Security (and pensions) be considered an asset and factored into a retiree’s investment allocation?

Michael Kitces has a nice article on valuing SS on the household balance sheet:

[more]

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Boards Post

BruceBrown replied to the Retirement Investing board. 12:23 AM

Re: Million dollar 401K

157,000 surpassed $1 million in their 401K accounts in the first quarter of 2018

Less we forget, approximately 40 Million households in the US have no retirement savings...

Mon Oct 15

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Boards Post

BruceBrown replied to the Retirement Investing board. 8:25 AM

Re: Poll: Current Net Worth

Lucky Dog wrote:

....and even the change I keep in my cars for tolls. That’s all the cash I can get my hands on if all heck should break loose, that’s what is important to me.

Had to laugh at that bolded part. [more]

Thu Oct 11

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Boards Post

BruceBrown replied to the Retirement Investing board. 8:04 PM

Re: Stanford analysis of 292 retirement strategi

"That's $14,000 per year or approximately 14% more per year to spend. "

However, if you have $100,000 income, another $14K isn't going to move you to a penthouse suite in NYC or SF. You'll likely be in the same
[more]

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BruceBrown replied to the Retirement Investing board. 7:35 PM

Re: Bogleheads new book

I visit the Boglehead boards somewhat often and find it amusing. There are some really good posts but the contradictions are funny (to me).

For example:

1. Obsessing over squeezing out the lowest possible ER, while other threads
[more]

Tue Oct 9

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Boards Post

BruceBrown replied to the Retirement Investing board. 5:12 PM

Re: Stanford analysis of 292 retirement strategi

Your lifestyle isn't going to be much different on $98K than $112K a year. Some, but not a whole lot.

That's $14,000 per year or approximately 14% more per year to spend. Someone could take an extra one of those [more]

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BruceBrown replied to the Retirement Investing board. 10:28 AM

Re: Bogleheads new book

My nephew recently Reccommended a book for me “The bogleheads guide to the three fund portfolio “

I thought it was good. In brief it recommends 60% in a total stock market, 20% in total Europe market, 20% total bond market fund. Full
[more]

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Boards Post

BruceBrown replied to the Retirement Investing board. 10:13 AM

Re: Bogleheads new book

They only weird thing is Bogleheads seems to attract high net worth individuals who think a 2% SWR is overly aggressive.

The only time I really see advice surrounding something as low as a 2% SWR is when people post on Bogleheads that [more]

Thu Oct 4

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Boards Post

BruceBrown replied to the Retirement Investing board. 7:22 PM

Re: Suze Orman: you need $5M

In terms of wealth and net worth, less than 10% of the population has a $1 million net worth (including the non-mortgaged value of their home.) At $5 MM, you're in the Top 2%.


intercst

Yup.

[more]

Wed Oct 3

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Boards Post

BruceBrown replied to the Retirement Investing board. 10:11 AM

Re: SS & Pensions & Asset Allocation...

Thanks to all that replied regarding SS/Pension and how or if it should or should not impact any asset allocation in the risk portfolio. I can fill in a few more details. I should have known better that without more details, it's [more]

Sun Sep 30

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Boards Post

BruceBrown posted to the Retirement Investing board. 9:51 PM

SS & Pensions & Asset Allocation...

How do you all factor in various income streams in retirement when it comes to your asset allocation?

Say one will have a pension with COLA at retirement, and will also collect Social Security which has the built in COLA. In terms of the [more]

Thu Sep 27

NL

Boards Post

BruceBrown replied to the Retirement Investing board. 1:51 PM

Re: WSJ article on managing retirement portfolio

I, for one, am devoting zero energy thinking about a scenario of a civilization without food and having armed gangs go from house to house scrounging for something to eat.

However, I will devote some thought and energy to what I am going to [more]

Tue Sep 25

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Boards Post

BruceBrown replied to the Dividend Growth Investing board. 10:54 PM

Re: Jeremy Siegel Prediction

Of course we shouldn't be surprised with corrections!

•Markets average one annual 14% decline.
•Daily dips of 2% or more occur about five times per year.
•Every five years, markets decline 30%+.
•Markets rise 3 out of 4 [more]

Mon Sep 24

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Boards Post

BruceBrown replied to the Retirement Investing board. 4:18 PM

Re: Retire with millions ?

Also, following the "4% rule" will likely mean you have more money than you can spend 20-30 years down the road. In my 24th year of retirement, my portfolio has grown enough to where my annual spending is only about a 1% annual [more]

Sun Sep 16

NL

Boards Post

BruceBrown replied to the Dividend Growth Investing board. 12:23 AM

Re: Income vs. Dividend Growth "T"

I would be very careful with local telecoms and cable companies. With the coming of 5G I think you are going to see a disruption of the last mile. These companies cash flows could really be hurt.

Andy


I didn't mean local, [more]

Sat Sep 15

NL

Boards Post

BruceBrown replied to the Dividend Growth Investing board. 11:36 AM

Re: Income vs. Dividend Growth "T"

I've found that if you look hard enough, you can find fault with any company/institution. So to me it comes down to, do they make a good product that people want.

JLC


Yes - that and a quality balance sheet. [more]

Fri Sep 14

NL

Boards Post

BruceBrown replied to the Dividend Growth Investing board. 9:34 AM

Re: Income vs. Dividend Growth "T"

I actually have looked at MO and PM but just can't bring myself to pull the trigger. I know there are ethical elements to almost any investment, but knowing some who have died from addiction to tobacco products makes me loathe to own them, [more]

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Boards Post

BruceBrown replied to the Retirement Investing board. 7:53 AM

Re: Advice for sister-in-law

My sister-in-law is 52 and has several 401k's from former jobs. She is in a shaky marriage (with kids still in school) and wants to consolidate these into an IRA. On another person's advice she talked to someone at Edward Jones who would [more]

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