Comments on: Planning for Your Retirement the Smart Way http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/ WealthPilgrim.com - A Journey To Self, Health and Wealth Sat, 11 Feb 2012 14:42:35 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: steamboy http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-14412 steamboy Mon, 31 Oct 2011 01:36:21 +0000 http://wealthpilgrim.com/?p=12599#comment-14412 i will receive about 2/3 of my retirement income from pensions. my thinking is that there is a goodly portion of bonds and fixed income products in those pension portfolios. therefore my personal investments are 100% in equities (albeit safe dividend increasing equities). i may be making some logic error here but it seems right to me. i will receive about 2/3 of my retirement income from pensions. my thinking is that there is a goodly portion of bonds and fixed income products in those pension portfolios. therefore my personal investments are 100% in equities (albeit safe dividend increasing equities). i may be making some logic error here but it seems right to me.

]]> By: neal@wealthpilgrim http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3057 neal@wealthpilgrim Sun, 27 Dec 2009 20:30:24 +0000 http://wealthpilgrim.com/?p=12599#comment-3057 Doc, I personally agree that the system investors use is critical. Allocation is the most influential factor on returns but after that, it's the system you use. The problem is that all systems fail at times. Investors often abandon their system when it underperforms because they have unrealistic expectations. .-= neal@wealthpilgrim´s last blog ..<a href="http://wealthpilgrim.com/free-holiday-weight-loss-program-modern-miracle-or-flash-in-the-pan/" rel="nofollow">Free Holiday Weight Loss Program – Modern Miracle or Flash in the Pan?</a> =-. Doc,

I personally agree that the system investors use is critical. Allocation is the most influential factor on returns but after that, it’s the system you use.

The problem is that all systems fail at times. Investors often abandon their system when it underperforms because they have unrealistic expectations.
.-= neal@wealthpilgrim´s last blog ..Free Holiday Weight Loss Program – Modern Miracle or Flash in the Pan? =-.

]]> By: Doctor Stock http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3054 Doctor Stock Sun, 27 Dec 2009 20:14:13 +0000 http://wealthpilgrim.com/?p=12599#comment-3054 It's not so much where our money is... it is how we invest it, particularly when we sell. Too often, retirement and stocks means investors buy and hold... and then... crash. It's more important to know when to get out, than to buy a bunch of bonds because people won't think. It’s not so much where our money is… it is how we invest it, particularly when we sell. Too often, retirement and stocks means investors buy and hold… and then… crash. It’s more important to know when to get out, than to buy a bunch of bonds because people won’t think.

]]> By: Financial Samurai http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3035 Financial Samurai Thu, 24 Dec 2009 21:30:19 +0000 http://wealthpilgrim.com/?p=12599#comment-3035 Those stats are lies, all lies! We can't count on living past 78 years old, and we can't on transforming into women when we're 65! :p Equities weren't fun in 1997, 2001-2003, and 2008-2009. I'd rather just earn 4-6% in fixed income, than try and put my entire NUT in the equities market. It's about building the NUT first, and nut rely on equities to build the NUT. Once you have $500,000 in the bank for example, a 5% return starts making a diff (25K) with zero risk. But, to try and get a 25% return investing your 100K in the stock market.... not worth it. I'm risk adverse with my portfolio... but I do love to punt with 50K every year and hope for a 10 bagger! .-= Financial Samurai´s last blog ..Everything Is Rational – The Answer To All Things Irrational =-. Those stats are lies, all lies! We can’t count on living past 78 years old, and we can’t on transforming into women when we’re 65! :p

Equities weren’t fun in 1997, 2001-2003, and 2008-2009. I’d rather just earn 4-6% in fixed income, than try and put my entire NUT in the equities market.

It’s about building the NUT first, and nut rely on equities to build the NUT. Once you have $500,000 in the bank for example, a 5% return starts making a diff (25K) with zero risk.

But, to try and get a 25% return investing your 100K in the stock market…. not worth it.

I’m risk adverse with my portfolio… but I do love to punt with 50K every year and hope for a 10 bagger!
.-= Financial Samurai´s last blog ..Everything Is Rational – The Answer To All Things Irrational =-.

]]> By: Neal Frankle http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3034 Neal Frankle Thu, 24 Dec 2009 20:53:56 +0000 http://wealthpilgrim.com/?p=12599#comment-3034 Sam, At birth, you are right, you have a life expectancy of 78. But if you are 65, according to SSA gov stats, female has about 20 years to go. Male has a bit under 17. http://www.ssa.gov/OACT/STATS/table4c6.html Also, what do you base your dislike of having equities as a component of a 20-year - or in your case - 13 year investment horizon? .-= Neal Frankle´s last blog ..<a href="http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/" rel="nofollow">Plan For Retirement – The Unconvention Yet Clever Way</a> =-. Sam,

At birth, you are right, you have a life expectancy of 78. But if you are 65, according to SSA gov stats, female has about 20 years to go. Male has a bit under 17.

http://www.ssa.gov/OACT/STATS/table4c6.html

Also, what do you base your dislike of having equities as a component of a 20-year – or in your case – 13 year investment horizon?
.-= Neal Frankle´s last blog ..Plan For Retirement – The Unconvention Yet Clever Way =-.

]]> By: Financial Samurai http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3033 Financial Samurai Thu, 24 Dec 2009 20:21:48 +0000 http://wealthpilgrim.com/?p=12599#comment-3033 Sorry Neal, but statistically, we actually only have 13 years left to live if we retire at age 65, that's why I'm hell bent on retiring before the age of 45, NO MATTER WHAT! ;) Equities aren't a cornerstone for retirees at all. Instead, they are a risky desperate attempt to try and make more money. No matter how much money I accumulate, I will probably never ACTIVELY invest more than $50-100,000 in the markets. Yes, I can leverage it up to $150-300,000 and make punts, but the most I will lose is 50-100K, and that's that. No way am I going to dump everything else in the markets. Not worth it to me and it shouldn't be for retirees either! .-= Financial Samurai´s last blog ..Everything Is Rational – The Answer To All Things Irrational =-. Sorry Neal, but statistically, we actually only have 13 years left to live if we retire at age 65, that’s why I’m hell bent on retiring before the age of 45, NO MATTER WHAT! ;)

Equities aren’t a cornerstone for retirees at all. Instead, they are a risky desperate attempt to try and make more money.

No matter how much money I accumulate, I will probably never ACTIVELY invest more than $50-100,000 in the markets. Yes, I can leverage it up to $150-300,000 and make punts, but the most I will lose is 50-100K, and that’s that. No way am I going to dump everything else in the markets. Not worth it to me and it shouldn’t be for retirees either!
.-= Financial Samurai´s last blog ..Everything Is Rational – The Answer To All Things Irrational =-.

]]> By: neal@wealthpilgrim http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3028 neal@wealthpilgrim Thu, 24 Dec 2009 00:39:02 +0000 http://wealthpilgrim.com/?p=12599#comment-3028 How does that work Tim? What's held within the MLP? If that's the case, they must include growth stocks and high-yield bonds.... Doesn't it depend on the securities w/in the MLP? .-= neal@wealthpilgrim´s last blog ..<a href="http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/" rel="nofollow">How To Invest and Retire – The Unconvention Yet Clever Way</a> =-. How does that work Tim? What’s held within the MLP? If that’s the case, they must include growth stocks and high-yield bonds….

Doesn’t it depend on the securities w/in the MLP?
.-= neal@wealthpilgrim´s last blog ..How To Invest and Retire – The Unconvention Yet Clever Way =-.

]]> By: Tim Wright http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3027 Tim Wright Wed, 23 Dec 2009 23:46:04 +0000 http://wealthpilgrim.com/?p=12599#comment-3027 I use them as income like bonds but with growth potential and inflation protection. The return on bonds is much lower than an MLP. Tim I use them as income like bonds but with growth potential and inflation protection. The return on bonds is much lower than an MLP.

Tim

]]> By: admin http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3025 admin Wed, 23 Dec 2009 20:19:22 +0000 http://wealthpilgrim.com/?p=12599#comment-3025 Well...the MLP would act like a bond if it holds bonds. It simply gives you more diversification. Well…the MLP would act like a bond if it holds bonds. It simply gives you more diversification.

]]> By: Tim Wright http://wealthpilgrim.com/how-to-invest-and-retire-the-unconvention-yet-clever-way/#comment-3024 Tim Wright Wed, 23 Dec 2009 19:00:49 +0000 http://wealthpilgrim.com/?p=12599#comment-3024 Hi, I don't use bonds I use MLP's like KMP, OKS, instead of Bonds. One of my MLP's this year only lost about 6% and yet was yielding 9% in dividends. Whats you thought on this Neal? Tim Love your blog, thanks so much. Hi,

I don’t use bonds I use MLP’s like KMP, OKS, instead of Bonds. One of my MLP’s this year only lost about 6% and yet was yielding 9% in dividends. Whats you thought on this Neal?

Tim

Love your blog, thanks so much.

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