I’m good at the first, but generally too lazy on implementation. Zero. You have to predict both the rate of inflation and the rate of return. They have every other calculator out there. Sometime over a month. After reading parts I-VI of the “Stock Series” we realized that all we held were domestic stocks and bonds which could be held with an equal amount of diversification (or more) in a portfolio containing 2 funds, when we learned about default risk, interest rate risk, and inflation risk. The big assumption I’m making is that I am FI with $2M+ in investible assets and have a paid off mortgage. The post Why I will no longer be writing this blog appeared first on jlcollinsnh. Generally with a stock in a company that would pay dividends. You and all financial institutions note that S&P 500 dividends component is roughly 2-3% of the gains annualized for a portfolio of this index. After reading parts I-VI of the “Stock Series” we realized that all we held were domestic stocks and bonds which could be held with an equal amount of diversification (or more) in a portfolio containing 2 funds, VTSAX and VBTLX. This is the situation I don’t want to be in and what makes me hesitate to invest more of my hard-earned cash, especially when I’m looking at a 5- to 10-year window and not a 40-year one. Now it’s up to about 33 posts but when I originally started it my vision was only for about 5 parts. I could not have said it better myself... Stocks -- Part IX: Why I don't like investment advisors. Stocks -- Part XIII: The 4% rule, withdrawal rates and how much can I spend anyway? It looks to now be located at https://gpi.fidelity.com/ftgw/interfaces/rmd/#/rmdform. I posted it as the first of the four most valuable resources that helped us go from feeling clueless to competent managing our investment portfolio. —you could simplify your holdings as I describe here: http://jlcollinsnh268650683.wpcomstaging.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/. Perhaps you might post them under her guest post where she will? December 24, 2020. Armageddon and the value of practical skills, Rent v. Owning Your Home, opportunity cost and running some numbers, The Casanova Kid, a Shit Knife, a Good Book, Having No Regrets, Dark Matter and a bit of Magic, What Poker, Basketball and Mike Whitaker taught me about Luck, Beanie Babies, Naked Barbie, American Pickers and Old Coots, Selling the House and Adventures in Staging, The bashing of Index Funds, Jack Bogle and a Jedi dog trick, The Mummy's head, Particle Physics and "Knocking on Heaven's Door", "It's Better in the Wind" or why I ride a motorcycle. on saving, investing, retiring, and retirement income. I could swear that I saw a chart that illustrated how much fees steal from your returns over time, but now I cannot find it! Or does accounting for indexes change this relationship. Jim Collins: The term f-you money, which I noticed has become popular, I came across 25 years ago maybe by reading a novel by James Clavell. If people really understood how simple it can be.. as evidenced by J.L. If you have a non-traditional retirement with some continued earned income, or if you’re a real estate investor with regular rent checks coming in, or a retiree with SS benefits it may mean volatility is much less of a concern b/c any of those sources of income can provide an income floor that meets your basic needs. I have accounts I would like to be able to do it on my own, when I need to. The “Stock Series” explains that investing should be simple and low-cost. I’ll be sure to post a link if I come across a decent rebalancing tool. JL Collins: The whole blog came about as a way to achieve information for my daughter. He comes blaring out of the gates in Part I with “Toughen Up Cupcake” to explain the importance of staying the course through market ups and downs. When the time comes to burn off some of the excess, here’s an idea: http://jlcollinsnh268650683.wpcomstaging.com/2012/02/08/how-to-give-like-a-billionaire/. Would that mean in a crash if say the value of my index holding was sliced in half, I could commensurately assume my dividends pay out would be half what it was at the higher value??? This all started when I wrote a series of letters to my daughter... [Continue Reading] The post Investing with Vanguard for Europeans: 2020 update appeared first on jlcollinsnh. So, what does a month in Ecuador cost anyway? The Stock Series blog accompanies JL Collins’ book, The Simple Path to Wealth. He responds to almost every comment with well thought out responses that clarify topics.Â. Hope that makes sense and helps. It also has a really cool, interactive simple savings tips, that calculates based on your figures. See more interviews, videos and podcasts featuring jlcollinsnh, © Copyright 2020 jlcollinsnh.comPrivacy Policy. The Book vs. The Simple Path to Wealth is now Published! The book contains the information found in the stock series, organized and distilled to make it easier to read. 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