'Bucket' ETF Retirement Strategy for Moderate Investors - ETF Trends

November 2nd at 3:00pm by Tom Lydon

For those seeking to invest toward their Golden Years, exchange traded fund products provide low-cost, diversified exposure to broad asset classes, allowing investors to remain hands-off and spend less time worrying about their nest egg.

Christine Benz, Morningstar?s director of personal finance, outlines a moderately conservative retirement investment plan with a 20-year time horizon that allocates about 50% to bonds and ?other,? 10% cash and 40% stocks in a three-step, ?bucket? strategy. [ETFs Have Room for Growth in Retirement Plans]

?A bucket strategy enables you to back into an appropriate asset allocation given your income needs, and it also might help you mentally endure the fluctuations that invariably accompany volatile asset classes such as stocks and commodities,? Benz said.

Benz?s first bucket covers near-term living expenses, the second bucket is for the middle part of an investor?s time frame and the last bucket is equity heavy.

In constructing the bucket strategy portfolio, Benz assumes it is for a married couple with a 20-year hands-off time frame, moderate risk tolerance, $1 million in total portfolio assets, 5% withdrawal rate per year, desire to spend all of their nest egg and assets held in a tax-sheltered account.

The three bucket breakdowns include:

  • The first bucket for 1-2 years will consist of 10% cash allocations, such as certificates of deposit, checking, saving accounts and money market accounts, like the PIMCO Enhanced Short Maturity Fund (NYSEArca: MINT). This liquidity component will help retirees have enough cash on hand for one or two years.
  • The second bucket, with a target date of 3 to 12 years, aims to provide income, stability and inflation protection while accruing modest capital growth. Benz suggests allocations like Vanguard Short-Term Bond ETF (NYSEArca: BSV) 7.5%, PowerShares Senior Loan Portfolio (NYSEArca: BKLN) 7.5%, PIMCO Total Return ETF (NYSEArca: BOND) 15%, iShares Barclays TIPS Bond (NYSEArca: TIP) 7.5% and Vanguard Dividend Appreciation (NYSEArca: VIG) 12.5%. The bucket provides a solid mix of income generating assets with protection against rising interest rates and some exposure to quality company names.
  • The third bucket, which covers 13-20 years, will be the main growth engine of the overall investment portfolio, focusing on equities and aggressive fixed-income exposure. This segment includes Vanguard Dividend Appreciation (NYSEArca: VIG) 10%, Vanguard Total Stock Market Index (NYSEArca: VTI) 10%, Vanguard FTSE All-World ex-U.S. ETF (NYSEArca: VEU) 10%, PowerShares DB Commodity Index Tracking (NYSEArca: DBC) 5%, SPDR Barclays Capital High Yield Bond (NYSEArca: JNK) 2.5% and WisdomTree Emerging Markets Local Debt (NYSEArca: ELD) 2.5%.

The investor will have to shift assets from buckets 3 to 2 and 2 to 1, creating a more cash heavy portfolio to meet income needs.

For more information on investing toward retirement, visit our retirement category.

Max Chen contributed to this article.

The opinions and forecasts expressed herein are solely those of Tom Lydon, and may not actually come to pass. Information on this site should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product.

Source: http://www.etftrends.com/2012/11/a-bucket-retirement-strategy-for-moderate-investors/

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One of my sons lost his job, couldn't pay rent, so came home here ...

He is saying he wants fifteen dollars for train to get to an interview. I gave him that yesterday, but he wants it again. He said he is also selling some computer equipment he has. I say to let the buyers come to him. I can't give any more money. He doesn't do drugs or alcohol, but he has a history of working temp jobs and when they come to an end, he comes back here to me. Sometimes he is back for months. My other kids are all four self-sufficient but he has a history of working and either quitting or just letting the job run out and it never becomes a permanent job. He also complains all the time about being here. I don't want to give any more money, don't have it, but how can one get a job if he doesn't have train money to go to interviews? He doesn't share much, has no friends, dislikes his siblings and hasn't seen them in years, doesn't come to family events. I am thinking how I should not have let him come back here. I am the ultimate enabler. What do I do?

- Asked by rosekohn, A Married Girl, Female, 56-65, Philadelphia, Retired

Source: http://www.answerology.com/index.aspx/question/3147904_One-of-my-sons-lost-his-job-couldnt-pay-rent-so-came-home-here-What-do-I-do-for-train-money.html

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Exasperation builds on Day 3 in storm-stricken NYC

Dry ice is unloaded from a flatbed truck in Union Square for distribution to residents of the still powerless Chelsea section of Manhattan, Thursday, Nov.1, 2012, in New York. Three days after superstorm Sandy walloped the city, residents and commuters still faced obstacles as they tried to return to pre-storm routines. (AP Photo/ Louis Lanzano)

Dry ice is unloaded from a flatbed truck in Union Square for distribution to residents of the still powerless Chelsea section of Manhattan, Thursday, Nov.1, 2012, in New York. Three days after superstorm Sandy walloped the city, residents and commuters still faced obstacles as they tried to return to pre-storm routines. (AP Photo/ Louis Lanzano)

A commuter walks past monitors showing limited service at the Long Island Rail Road Jamaica Station Thursday, Nov. 1, 2012, in the New York City borough of Queens. Three days after superstorm Sandy made landfall, residents and commuters still faced obstacles as they tried to return to pre-storm routines. (AP Photo/Frank Franklin II)

Early morning traffic in New York's Brooklyn borough moves slowly beneath the Manhattan skyline, Thursday, Nov. 1, 2012. New York is trying to resume its normal frenetic pace Thursday, getting back its vital subway system, but still finding it slow going on gridlocked highways. (AP Photo/Mark Lennihan)

Food trucks service the still powerless Union Square section of Manhattan,Thursday, Nov. 1, 2012, in New York. Three days after superstorm Sandy walloped the city, residents and commuters still faced obstacles as they tried to return to pre-storm routines. (AP Photo/ Louis Lanzano)

A long line of people wait for free distribution of dry ice in Union Square in the still powerless Chelsea section of Manhattan,Thursday, Nov. 1, 2012, in New York. Three days after superstorm Sandy walloped the city, residents and commuters still faced obstacles as they tried to return to pre-storm routines. (AP Photo/ Louis Lanzano)

(AP) ? Frustration ? and in some cases fear ? mounted in New York City on Thursday, three days after Superstorm Sandy. Traffic backed up for miles at bridges, large crowds waited impatiently for buses into Manhattan, and tempers flared in gas lines.

Mayor Michael Bloomberg said the city would send bottled water and ready-to-eat meals into the hardest-hit neighborhoods through the weekend, but some New Yorkers grew dispirited after days without power, water and heat and decided to get out.

"It's dirty, and it's getting a little crazy down there," said Michael Tomeo, who boarded a bus to Philadelphia with his 4-year-old son. "It just feels like you wouldn't want to be out at night. Everything's pitch dark. I'm tired of it, big-time."

Rima Finzi-Strauss decided to take bus to Washington. When the power went out Monday night in her apartment building on the Lower East Side of Manhattan, it also disabled the electric locks on the front door, she said.

"We had three guys sitting out in the lobby last night with candlelight, and very threatening folks were passing by in the pitch black," she said. "And everyone's leaving. That makes it worse."

The mounting despair came even as the subways began rolling again after a three-day shutdown. Service was restored to most of the city, but not the most stricken parts of Manhattan and Brooklyn, where the tunnels were flooded.

Bridges into the city were open, but police enforced a carpooling rule and peered into windows to make sure each car had at least three people. The rule was meant to ease congestion but appeared to worsen it. Traffic jams stretched for miles, and drivers who made it into the city reported that some people got out of their cars to argue with police.

Rosemarie Zurlo said she planned to leave Manhattan for her sister's place in Brooklyn because her own apartment was freezing, "but I'll never be able to come back here because I don't have three people to put in my car."

With only partial subway service, lines at bus stops swelled. More than 1,000 people packed the sidewalk outside an arena in Brooklyn, waiting for buses to Manhattan. Nearby, hundreds of people massed on a sidewalk.

When a bus pulled up, passengers rushed the door. A transit worker banged on a bus window, yelled at people inside, and then yelled at people in the line.

With the electricity out and gasoline supplies scarce, many gas stations across the New York area remained closed, and stations that were open drew long lines of cars that spilled out onto roads.

At a station near Coney Island, almost 100 cars lined up, and people shouted and honked, and a station employee said he had been spit on and had coffee thrown at him.

In a Brooklyn neighborhood, a station had pumps wrapped in police tape and a "NO GAS" sign, but cars waited because of a rumor that gas was coming.

"I've been stranded here for five days," said Stuart Zager, who is from Brooklyn and was trying to get to his place in Delray Beach, Fla. "I'm afraid to get on the Jersey Turnpike. On half a tank, I'll never make it."

The worst was over at least for public transportation. The Long Island Rail Road and Metro-North were running commuter trains again, though service was limited. New Jersey Transit had no rail service but most of its buses were back.

The storm killed at least 90 people in the U.S. New York City raised its death toll on Thursday to 38, including two Staten Island boys, 2 and 4, swept from their mother's arms by the floodwaters.

In New Jersey, many people were allowed back into their neighborhoods Thursday for the first time since Sandy ravaged the coastline. Some found minor damage, others total destruction.

The storm cut off barrier islands, smashed homes, wrecked boardwalks and hurled amusement park rides into the sea. Atlantic City, on a barrier island, remained under mandatory evacuation.

More than 4.6 million homes and businesses, including about 650,000 in New York and its northern suburbs, were still without power. Consolidated Edison, the power company serving New York, said electricity should be restored by Saturday to customers in Manhattan and to homes and offices served by underground power lines in Brooklyn.

In darkened neighborhoods, people walked around with miner's lamps on their foreheads and bicycle lights clipped to shoulder bags and, in at least one case, to a dog's collar. A Manhattan handyman opened a fire hydrant so people could collect water to flush toilets.

"You can clearly tell at the office, or even walking down the street, who has power and who doesn't," said Jordan Spiro, who lives in the blackout zone. "New Yorkers may not be known as the friendliest bunch, but take away their ability to shower and communicate and you'll see how disgruntled they can get."

Some public officials expressed exasperation at the relief effort.

James Molinaro, president of the borough of Staten Island, suggested that people not donate money to the American Red Cross because the Red Cross "is nowhere to be found."

"We have hundreds of people in shelters throughout Staten Island," he said. "Many of them, when the shelters close, have nowhere to go because their homes are destroyed. These are not homeless people. They're homeless now."

Josh Lockwood, the Red Cross' regional chief executive, said 10 trucks began arriving to Staten Island on Thursday morning and a kitchen was set up to distribute meals. Lockwood defended the agency, saying relief workers were stretched thin.

"We're talking about a disaster where we've had shelters set up from Virginia to Indiana to the state Maine, so there's just this tremendous response," he said. "So I would say no one organization is going to be able to address the needs of all these folks by themselves."

In Manhattan's Chelsea neighborhood, Mary Wilson, 75, was buying water from a convenience store that was open but had no power. She said she had been without running water or electricity for three days, and lived on the 19th floor.

She walked downstairs Thursday for the first time because she ran out of bottled water and felt she was going to faint. She said she met people on the stairs who helped her down.

"I did a lot of praying: 'Help me to get to the main floor.' Now I've got to pray to get to the top," she said. "I said, 'I'll go down today or they'll find me dead.'"

___

Contributing to this story were Associated Press writers Cara Anna, Verena Dobnik, Michael Hill, Karen Matthews, Jennifer Peltz and Christina Rexrode.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-11-01-Superstorm%20Sandy-NYC/id-1db227f9e8554a9db8d93132934a2208

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Hurricane Sandy: Is climate change to blame?

Burning Question

posted on October 31, 2012, at 12:27 PM

A wave crashes against the shore in Montauk, N.Y., as Hurricane Sandy made her way up the East Coast on Oct. 29. Photo: Sheila Rooney/Getty Images SEE ALL 23 PHOTOS

"New York isn't known for its hurricanes," says Will Oremus at Slate. "At least, it never has been before." But after Hurricane Sandy collided into a cold front coming down from Canada to create a hybrid superstorm that ravaged large swaths of New York City and New Jersey ? just a year after Hurricane Irene made its own unwelcome mark on the region ? lots of people are wondering if the Big Apple is becoming a featured stop in hurricane alley, and why? Climate scientists aren't very encouraging on the question for residents up the East Coast. Is global warming responsible for Sandy's massive destruction, and is the Northeast doomed, as New York?Gov. Andrew Cuomo (D) quipped, to "have a 100-year flood every two years now"?

Did climate change cause Hurricane Sandy?
The short answer is no, not exactly, but it was largely responsible for making it one of the most destructive storms in U.S. history. "Many variables go into creating a big storm," and hurricanes are no exception, but it has become very clear that "climate change amps up other basic factors that contribute to big storms" like Sandy, says Mark Fischetti at Scientific American.?

How did warming make the storm worse?
First, climate change is making the oceans warmer ? September saw the second-highest average global sea temperatures on record ? and "warm oceans are jet fuel for hurricanes," says Chris Mooney at Britain's The Guardian. Second, "there's no doubt that global warming has raised the sea level," which means that Sandy and every future hurricane "surfs atop a higher ocean and can penetrate further inland." And finally, "scientists agree that global warming has added more moisture to the atmosphere," which means more rain and more flooding when hurricanes hit. "I have no equivocation in saying that all heavy rainfall events, including [Sandy], have an element of climate change in them, and the level of that contribution will increase in the future," says meteorologist Greg Holland at the National Center for Atmospheric Research.

What are the caveats?
At a basic level, "hurricane formation is not completely understood" by scientists,?says Albert Sabat? at ABC News. Also, it's not at all clear that one of Sandy's distinctive features, its monstrous size, is attributable to climate change," says Mooney at The Guardian. Nor is it clear how much global warming contributes to hybrid storms like Sandy ? they happen around the world with some frequency, but "nobody has bothered to compile a comprehensive climatology of hybrid storms," says MIT hurricane expert Kerry Emanuel. "Caveats notwithstanding," says Mooney, "when people worry about climate change in relation to Sandy ? and wonder why their presidential candidates aren't bringing the matter up ? it's hard to say they're misguided in doing so."

If Sandy is a product of climate change, what can we do?
"We can ? and should ? hope for global action to reduce greenhouse gas emissions" to slow or stop global warming, says Matthew Yglesias at Slate. But it's "extraordinarily unlikely" that change will come fast enough to keep densely populated areas like New York safe. At this point, "the best place to look for guidance is probably the city's former colonial overlords in the Netherlands," experts in keeping the waters at bay with dikes and dams. "The idea of essentially damning up New York Harbor sounds extreme," but if the state put an open sluice across key parts of the harbor, like the Verazano Narrows, "they would defend Lower Manhattan, the badly flooded Red Hook part of Brooklyn, Long Island City, LaGuardia Airport, and a big swath of New Jersey."

Is New York doomed to big yearly hurricanes?
Probably not, but climate change models can't really predict that, says Slate's Oremus. "Every hurricane is a fluke, to some degree," Columbia Univesisty atmospheric scientist Adam Sobel tells Slate. Every one is formed and controlled by local weather conditions and other factors ? the full moon made tides higher and increased Sandy's flooding, for example ? and so no two are ever the same. Plus, "hurricanes are still rare events," and "to see trends, you need to have enough of them to compute averages in a way that isn't going to change with the next storm." But with ocean levels risings and waters warming, the next hurricane to hit the Big Apple is likely to be a doozy, too.

Sources: ABC News, The Guardian, Scientific American, Slate (2)

Read more of The Week's Hurricane Sandy coverage.

Source: http://theweek.com/article/index/235625/hurricane-sandy-is-climate-change-to-blame

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RIM starts carrier testing on BlackBerry 10 devices

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T-Mobile Wifi Calling isn't coming to the Nexus 4

LG Nexus 4

The folks over at TmoNews have just confirmed that when the LG Nexus 4 goes on sale at T-Mobile stores in just a couple of weeks that it won't be coming with Wifi Calling (UMA) on board. Now this will come as no surprise to anyone who has followed previous Nexus phones in the past. The Nexus One, Nexus S and Galaxy Nexus all worked on T-Mobile's network just fine, but none of them were given official Wifi Calling support. Just because T-Mo is selling this one directly doesn't mean that changes now.

This may sound bad on the surface because many users would like the ability to have the battery life and call quality improvements that come with Wifi Calling, but this is actually a good thing. Not having the Wifi Calling app pre-installed on the Nexus 4 means that there's a really good chance it has the exact same firmware as the unlocked version coming from Google via the Play Store.

When it comes to updates and variants of Nexus devices, the fewer models that need to be supported, the better.

Source: TmoNews

More: Google Nexus 4 Forums

Source: http://feedproxy.google.com/~r/androidcentral/~3/CX1tRXk01Cc/story01.htm

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Thursday Recipe Exchange: Quick Pasta Meals ? What's 4 Dinner ...

Shrimp and Pasta by JeffreyW

I started this blog as a?complement?to my business of 10 years ? I provided weeknight menus and recipes for busy families. It was a lot of fun. I?ve moved on to other things and the blog has evolved from just my simple recipes and flavor palate to guest bloggers, co-bloggers and lots of guest recipes. It?s been a pleasant surprise.

But as the holidays approach and life gets busier, I wanted to come back to those simple recipes and highlight them several times a week. These are quick, fresh recipes that take about 30 minutes. And I swear to you, if you?re not confident in the kitchen, these are foolproof. A way, I hope, to help alleviate some of the stress around this time of year. So tonight?s recipes are in that vein.

First up: the photo above is from JeffreyW, it?s a nice, quick Shrimp and Pasta dish that he liked well enough to make again. (recipe here). ?Next up is my quick Skillet Lasagna, recipe below.

What are some of your go-to recipes for those nights when there is no time to cook but everyone needs to eat? Do you have family favorites that everyone wants at least once a week? When I was a kid, I would beg my mom to make her rice crispy baked chicken.

Tonight?s featured recipe is one of my favorites because it has a nice blend of flavors for a quick, skillet dish. I use dry spices because they are always in my pantry ? make sure to crush them well to bring out the flavor in a dish that doesn?t have the advantage of a long simmer. Use good quality?mozzarella?and?ricotta?to take it up a notch. Skip the ground beef for a vegetarian meal (I?d add some nice mushrooms instead) or spice it up with 1/2 Italian sausage and 1/2 ground beef. ?In other words, don?t be afraid to change it up to fit your needs. For a side, try green beans or zucchini and you?ve got a nice, quick dinner.

Skillet Lasagna

  • 8 oz ?bowtie pasta
  • 1 lb lean ground beef
  • ? onion, chopped
  • ? green pepper chopped
  • 1 tsp basil, crushed
  • 1 tsp oregano, crushed
  • 1 tsp crushed garlic
  • salt & pepper to taste
  • 1 carrot, diced
  • 15 oz can tomato sauce
  • 6 oz can tomato paste
  • 4 oz ricotta cheese
  • 1 cup fresh spinach leaves, chopped
  • 4 oz mozzarella cheese, shredded
  • 2 oz grated parmesan

skillet, saucepan

In saucepan, cook pasta according to package directions, cooking to al dente (slightly chewy), drain well. Do Not Rinse (it inhibits the sauce from being absorbed by the pasta). Meanwhile, in skillet brown beef, onion & pepper. Add spices, garlic, carrot and saut? for 1 minute. Add sauce, paste, stirring well into meat mixture. Let simmer 10 minutes. Add pasta, stirring gently to mix. Mix together ricotta and spinach, spoon evenly onto mixture (do not stir in, you want to create little cheese balls), top with mozzarella, cover and let simmer on low until mozzarella is completely melted. Serve with parmesan. ?Serves 6 generously.

Source: http://whats4dinnersolutions.com/2012/11/01/thursday-recipe-quick-pasta-meals/

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Scott Forstall’s Most Heinous Crimes Against Humanity By Sam Biddle Scott “Wild...

Scott Forstall’s Most Heinous Crimes Against Humanity

By Sam Biddle

Scott “Wild West” Forstall is dunzo at Apple?and for good reason. Everyone except Steve Jobs hated him, and his design ideas were appalling. However, as an Apple alum he’ll still spend the rest of his life unimaginably rich. There will never be justice for what he did to us. Below, the worst of his terrible software horrors. To The Hague we go.

Forstall cherished the idea of making software that resembled real life objects that people felt comfortable around. Like making iOS’ never-used Game Center app look like a pool table, or something. Green felt?never a good idea.

Better, but still bad, Siri was touted?as?the reason to buy an iPhone 4S.?A year later, and the software still doesn’t work very well.

Hold on?searching the web for “Where cran die find a train to glue fork.”

If you ignored the hilariously bad 3D component, Apple Maps was never?that terrible.?But it remains inexcusably subpar, and was the laughingstock of the entire Internet for a few days. If you search for a coffee shop it’ll still point you to a landfill or something.

Find My Friends was maybe the worst of the worst of the worst. Just look at the?icon?the stitching! The rawhide! It made us want to avoid our friends, because our friends might be wearing embossed leather assless chaps.

Bookshelves in iOS have always had to look like an actual IKEA shelf. The idea that we can’t grasp reading books made out of pixels unless there’s an illusion of a physical bookshelf is insulting. Also, you can’t hide the Newsstand app, which also looks like a dumb wooden thing, in a folder.

This idiotic, functionless faux-cloth texture pervades iOS. A smartphone should never look like it needs mothballs. Stop making phones out of fabric, Apple. Or leather.

Ugly things that didn’t work well. Make sure that isn’t your legacy.

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/iqu3G20yQbQ/34763342795

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Asus Reveals Google Is Selling 1 Million Nexus 7s a Month By Jamie Condliffe The?Chief Financial...

Asus Reveals Google Is Selling 1 Million Nexus 7s a Month

By Jamie Condliffe


The?Chief Financial Officer at Asus, David Chang, has told the Wall Street Journal that Google is selling nearly one million Nexus 7 tablets every month - and that figure looks set to rise, too.

In an interview with the Journal, Chang explained:

“At the beginning, it was, for instance, 500K units a month, then maybe 600, 700K. This latest month, it was close to one million.”

While those figures still place the Nexus 7 behind the iPad in terms of sales - hell, Apple managed to shift?14 million of its tablets in the ?last quarter alone -?there’s a clear upward trend there.

No doubt that’s in large part a result of affordability. Google’s Nexus 7 is attractively priced at $200 for the basic model, and it’s now joined by a larger stablemate which undercuts the iPad, too. While it seems?unlikely?that Google will overtake Apple any time soon, it’s clearly giving it a run for its money. [Wall Street Journal]

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/7onV_wq-idk/34693339870

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