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Dale Roberts  

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  • How Long Can You Afford To Be Under Water? [View article]
    Hey kata, we should always try and remember to tune out the noise, and get a plan based on market history and probabilities, and stick to our asset allocation and reinvestment schedule. Find the risk level you are comfortable with and stay the course. The markets have seen "everything", and certainly politicians will find new ways to screw it up, and create buying opportunities.
    May 13, 2014. 06:12 AM | 4 Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Great post Art, thanks. Sounds like you have quite the buffer zone and you have planned well. Congrats. Our draw down minimums in Canada are about twice that of the States. They start at 7.49% in 72nd year.

    Dale
    May 12, 2014. 08:37 PM | 1 Like Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Hi Fred, so true. Moneychimp has some great tools on that. low-risk-investing does not have an inflation adjustment button.

    Though they say inflation has been very low. I don't buy that. Our costs are way up on most everything.

    One of my first articles (and my most read) was No One Makes Money From the Stock Markets.

    http://seekingalpha.co...
    May 12, 2014. 08:35 PM | 1 Like Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Thanks Doug, yes there can be a cost to waiting. Perhaps always prudent to have modest exposure. There's the chance that the time on the sidelines can outweigh the buying opportunity. There's always that TLT as an inverse market hedge, and the ability (possibly) to create dry powder out of thin air. lol
    May 12, 2014. 08:31 PM | Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Thanks standford, congrats. Yield can be a 'protector' for sure. So can living beneath our income needs in working and retirement days.

    I will try and spend most of it and perhaps become a ward of the State when I am too old to know better ... if things go well.
    May 12, 2014. 08:26 PM | 3 Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Ha, there appears to be lots of helium to go around. Funny post and sadly and likely true.
    May 12, 2014. 08:23 PM | Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    High 856, ha, there are only probabilities, but the stock and bond markets will do whatever they like. I would guess that no matter what we do, we are guessing. There's even risk in not taking on risk. We all have to make the bet that we are comfortable with, and what market history might tell us has the greatest probability of success.

    Like a boy scout, Be Prepared.
    May 12, 2014. 08:21 PM | 2 Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Yes certainly, higher income is protection against the need to sell assets. The question then becomes, how 'safe' is the income.
    May 12, 2014. 08:16 PM | Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Thanks varan, much appreciated.
    May 12, 2014. 08:14 PM | Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Hi Cal, we can all learn from Warren and his lessons are universal. And certainly we do not have the same opportunities as Warren, he leverages using his insurance companies. His success is borrowing and buying on the cheap.

    That said, one could borrow if they had the courage of Warren, when stocks are obviously on the cheap. That's not for very many investors.
    May 12, 2014. 07:17 PM | 1 Like Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Thanks I saw a chart on that ratio today, it didn't look very promising. lol
    May 12, 2014. 07:13 PM | 1 Like Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Timelines are identified in the text. Charts are from low-risk-investing.com

    Dale
    May 12, 2014. 07:12 PM | Likes Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    I believe an article was posted on this today on SA.
    May 12, 2014. 07:09 PM | 1 Like Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    They've been coming back but we're not at previous toppy levels from what I've read. The retail investor is much more cautious these days after getting burned a few times.
    May 12, 2014. 07:08 PM | 1 Like Like |Link to Comment
  • How Long Can You Afford To Be Under Water? [View article]
    Hey Craig, absolutely it can be 'dangerous' it all comes down to drawdown rates required. It's certainly a case by case basis. Some can benefit from more stocks in retirement, some would require a very small amount.
    May 12, 2014. 12:50 PM | 2 Likes Like |Link to Comment
COMMENTS STATS
5,438 Comments
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