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Re: which bond fund should I use?

Don't think I would use all 40% in the above though!
by Billyboy
Tue Oct 14, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond fund should I use?
Replies: 7
Views: 720

Re: which bond fund should I use?

Because I live in California and have a 9.3% state tax bracket and the fact I received quite a bit of feedback from Bogleheads on a separate thread, I chose the Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares (VCADX) .12 ER for my taxable account.
Bill
by Billyboy
Tue Oct 14, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond fund should I use?
Replies: 7
Views: 720

Re: Question re: RMD

I had mine set up by Vanguard. I have it distributed monthly. I can also go to the Vanguard RMD site and skip a month, etc., as long as the req'd yearly amt. is distributed for the year.
Bill
by Billyboy
Mon Oct 13, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1215

Re: Leaning towards buying a 1-BR condo in Bay Area

One of my daughters lived in various areas of SF over a period of 12 or so years. What stands out to me the most was the lousy parking situation. If you are lucky enough to have a designated parking spot, that's worth extra $$'s and you've won half the parking battle. Any visitors may have to hunt f...
by Billyboy
Mon Oct 13, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2008

Re: Inflation and Total Bond Market Index

Bogleheads: There is a general misconception that when inflation increases, bonds must decline. Listed below are the historical U.S. inflation rates (CPI-U) and total returns for the Aggregate Bond Index since the Index inception: YEAR----INFLATION----BOND INDEX 1976-------4.9%--------15.6% 1977---...
by Billyboy
Sun Oct 12, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2131

Re: What to use in Taxable Acct?

selling your vanguard intermediate tax exempt (not CA exempt) and swapping it for the CA exempt could be a very good idea. Just check: - If the effective after tax rate on the CA exempt is really higher (it usually is) - if there are any big unrealized capital gains on the fund that you'd recognize...
by Billyboy
Wed Oct 08, 2014 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1421

Re: mutual fund calculator?

backpacker,
Great calculator! 8-)
Thanks,
Bill
by Billyboy
Mon Oct 06, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: mutual fund calculator?
Replies: 3
Views: 422

Re: What to use in Taxable Acct?

with your current 11% cash allocation, I assume you have an ample cushion of spending cash separate? If this money is being continusly drawn from it would make taxes more complicated. if you want bonds in your taxable, I'd go with CA exempt bonds also. However, consider this too: 1) sell some stock...
by Billyboy
Fri Oct 03, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1421

Re: What to use in Taxable Acct?

David,
Thank you very much for your explanations. You've been very helpful. You've taken me from :confused to :) so I'm going to have a :beer, not really, but I'll have a cup of coffee, being it's only 9:50 am
here in California.
Bill
by Billyboy
Fri Oct 03, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1421

Re: Do you deviate from the BH philosophy?

Yes and no. I own several individual stocks. One I've held for over 39 yrs. and has a 0 cost basis due to distributions. It's in an IRA, so will have to pay taxes if and when liquidated. The other one, I've held about 4 yrs. and pays 11% in dividends based on my original cost, also held in an IRA. I...
by Billyboy
Thu Oct 02, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3809

Re: What to use in Taxable Acct?

Given the high CA state taxes, I would recommend using the CA tax-exempt fund for your taxable bond allocation if you do decide to hold taxable bonds. You might also use I-Bonds, which are exempt from CA tax, and which defer the federal tax until you cash them in. You could also use the cash to buy...
by Billyboy
Thu Oct 02, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1421

What to use in Taxable Acct?

Hello all, I'm retired with no Tax Deferred space left. I'm currently 52% Equities/37% Bonds/11% Cash. I would like to reallocate to 52% Equities/48% Bonds. My tax bracket is 25% Fed. 9.3% State (CA.) I'm looking to put the 11% cash, which is taxable , into bonds at this time. Currently I have 4% of...
by Billyboy
Wed Oct 01, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1421

Re: Suggestions for Portfolio Tracker

I use Morningstar. Whenever I've had questions on its use, they've answered them promptly. I enter everything manually on Morningstar because I prefer to do it that way. I also use my Bank of America accounts online Investments Tool. They imported my accounts, (Vanguard and Ally Bank) and tract ever...
by Billyboy
Thu Sep 25, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Portfolio Tracker
Replies: 15
Views: 1038

Re: Help with Asset Allocation and a large stock position

@OpenRoad - as a bystander to this thread with no financial interest at stake, it seems like you very quickly seized upon BigJohn's suggestion to include your company stock in your investment portfolio. That was your original option (1). I didn't read in your replies any real consideration of Scira...
by Billyboy
Mon Sep 08, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation and a large stock position
Replies: 23
Views: 2234

Re: Which bond ETFs do you have?

None! I use all Vanguard Bond mutual funds. No plans to use ETFs for either bonds or equities.
by Billyboy
Sun Sep 07, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which bond ETFs do you have?
Replies: 19
Views: 1863

Re: Anyone used Vanguard Flagship Services With Portfolio $1

I like the convenience of having a single contact. He's available whenever I've needed a question answered. He seems to remember any personal things we've discussed over the years. He probably has them at his fingertips or on recording. ha. I do use Turbo Tax yearly and do some trading with the 25 t...
by Billyboy
Sat Aug 30, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4399

Re: Ally Bank CD

I've held a CD ladder with Ally as well as a savings account. I've since cashed in one CD upon the renewal date because they have lowered their bonus amount for renewing. As the other three CD's come due I plan not to renew them and I will transfer the cash back to my taxable Vanguard MM fund for fu...
by Billyboy
Wed Aug 27, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1631

Re: Bond fund in taxable account (CA resident)

I just switched my VMMXX Money Market Fund to the Vanguard Intermediate-Term Tax-Exempt Inv. Share. (VWITX)
by Billyboy
Mon Aug 25, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable account (CA resident)
Replies: 14
Views: 1151

Re: Which Vanguard BOND Fund ?

If I may ask, as I'm also in the distribution phase, can you provide the percentages you hold in your mix of Investment Grade, Total Bond Market, Short-Term bond funds, SPIAs and cash? I also see you may not hold any TIPS. If you don't, can you give me your reasoning? I enjoy comparing other's pers...
by Billyboy
Thu Aug 21, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Re: Which Vanguard BOND Fund ?

A number of Bogleheads do not see the Total Bond Fund as the apporpriate sole bond fund to hold. These doubters include Jack Bogle and Larry Swedroe (who have different reasons for not liking it). There have been many threads on this forum discussing this subject. The risks of corporate bonds have ...
by Billyboy
Thu Aug 21, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3294

Changes in AA, Stks, Bonds Using B/4 & After Tax Holdings

Hello Boglehead Followers, I would appreciate suggestions and/or recommendations on our AA and Stock, Bond and Cash holdings in order to become more tax efficient, etc. Current allocation is 51.5% Equities, 40.5% Bonds, 8.0% Various Cash Reserves (see below). Suggested asset allocation? Not sure whe...
by Billyboy
Sat Aug 16, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changes in AA, Stks, Bonds Using B/4 & After Tax Holdings
Replies: 0
Views: 144

Re: December RMD Withdrawal Timing Question

If you are not in a safe harbor for the underpayment of estimated tax, then you should be making estimated tax payments. Now the withholding from the RMDs you are taking might well be sufficient to keep you safe. I like to have my own tax software on my computer so that I can make a fake return for...
by Billyboy
Thu Aug 07, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1465

Re: December RMD Withdrawal Timing Question

Thanks sscritic and wizard for your follow ups to my question or questions.
I'm ok on my RMD tax situation. My taxes withheld monthly on my RMD's go directly to the IRS and Ca. State Tax board, just as deductions do on a persons paycheck, if they are withholding.
Bill
by Billyboy
Wed Aug 06, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1465

Re: December RMD Withdrawal Timing Question

To expand on The Wizard: Take your RMD on time, but don't then buy the dividend in your taxable account. Send your RMD to your checking account or money market account if you still have one, then buy in your taxable account after the dividends have been paid out. sscritic, Can you or any of you ple...
by Billyboy
Wed Aug 06, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1465

Re: How Much Did You Lose Today?

About 1.7%. About all of my financial assets were down, with of course the exception of my MMF, Ally Savings and Ally C.D.'s. I'm about 51% Equities, 41% Bonds and 8% Cash Reserves. If we were to see a correction in the 10-20% range, I plan on doing a little market timing, uh, I mean reallocation. :...
by Billyboy
Fri Aug 01, 2014 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15403

Re: Best On-line Portfolio trackers

I use Morningstar and Vanguard mostly. I also use Bank of America tools, occasionally.
by Billyboy
Sat Jul 26, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best On-line Portfolio trackers
Replies: 16
Views: 1700

Re: Where is your brokerage account?

I have my accounts at Vanguard, both Mutual Fund and Brokerage accts. I haven't purchased any etf's or individual stocks through Vanguard. I hold several individual stocks that I transferred to Vanguard from my past employer's 401k administrator. All Vanguard does in reference to the brokerage holdi...
by Billyboy
Thu Jul 24, 2014 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2790

Re: how often do you look at your account

Usually once a day, M-F, except when the US markets are closed. I always check in the morning at months end or when I expect dividends and/or capital gains to be paid out so I can update my records as to increased shares, revised cost basis, etc. at the site I use to keep such records. I check my in...
by Billyboy
Sun Jul 20, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3705

Re: How exactly does Vanguard's RMD service work? Rebalancin

I started using Vanguards RMD service this year. It was quite easy to set-up. Vanguard took the total value of my various IRA accounts at Vanguard on December 31, 2013. They then used IRS Publication 590 to determine my life expectancy factor of 26.5. They took my total IRA balances and divided them...
by Billyboy
Sat Jul 19, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3771

Re: Investment for future growth

Looks good to me. Change that typo 'K' should be 'X' and you are good to go. (Perhaps look into getting some reading glasses? :) ) Vanguard will switch the funds to the share class with lower expense ratios for you, but if you want to solve a puzzle: What are the ticker symbols for the cheaper shar...
by Billyboy
Mon Jun 23, 2014 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment for future growth
Replies: 3
Views: 346

Re: Self Coverage in the Absense of Long Term Care Ins.

richard wrote:The cost varies by state. Here's one survey, which was the first hit I got from googling cost of long term care, https://www.genworth.com/corporate/abou ... -care.html

Great site. Thanks Richard,
Bill
by Billyboy
Sat Jun 14, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Self Coverage in the Absense of Long Term Care Ins.
Replies: 13
Views: 1158

Re: Self Coverage in the Absense of Long Term Care Ins.

This thread is now in the Personal Finance (Not Investing) forum (insurance). Don't know if I am on the correct forum; however, here goes It's not a problem, we'll answer your question anywhere. I just like to keep things organized (what a site admin does). :) Descriptions are listed under each for...
by Billyboy
Fri Jun 13, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Coverage in the Absense of Long Term Care Ins.
Replies: 13
Views: 1158

Self Coverage in the Absense of Long Term Care Ins.

Don't know if I am on the correct forum; however, here goes. Are there any ballpark figures, :dollar a couple should set aside for long term care, when unable to qualify for such insurance? I realize there are many factors, all of which are unknown as no one can foresee the future. Perhaps a rule of...
by Billyboy
Fri Jun 13, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Coverage in the Absense of Long Term Care Ins.
Replies: 13
Views: 1158

Re: Is the first million really the hardest?

It is like watching the scoreboard saying the Yankees are up in the 3rd inning. Doesn't mean much. Puts the "game" out of reach much more quickly, to the point you can start laughing/joking/RELAXING in the 4th inning. Hell I'd like to think the "Mercy Rule" would kick in and end...
by Billyboy
Fri Jun 13, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7896

Re: Is the first million really the hardest?

I found the 1st million to be the hardest to reach. It took us 30 years. I was 100% equities and 55 years old when we reached the 1 million mark. It took another 10 yrs. for the 2nd million, aided by a bull market. We're proof that you don't have to have high paying salaries to reach your goals, if ...
by Billyboy
Thu Jun 12, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7896

Re: "Is Bogle Befuddling?"

Boy, Taylor, you are very quick, as usual. Your post beat mine by 4 minutes. I figured someone had to have seen the article before I did. Guess I should have done a search B/4 posting! If I knew exactly how to do it. :oops:
by Billyboy
Tue May 20, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7339

Is Bogle Befuddling?

FYI: In case it hasn't come up yet on these boards, there's an article dated 5/20/2014(today) on Morningstar concerning Mr. Bogle. :happy
by Billyboy
Tue May 20, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Bogle Befuddling?
Replies: 2
Views: 466

Re: When did you tell your children how much you had amassed

If I had it to do over, I would not have told ANYONE in my family, including my spouse, how much I was worth. Of my two daughters, who I put through a very good local State College, ages 46 and 43; the 43 year old, a single mom has a high paying job and saves the maximum she can possibly save. She d...
by Billyboy
Sun May 18, 2014 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11217

Re: Transfer securities from IRA to satisfy RMD?

As usual, I must be missing something, or just plain didn't read some of the posts. Seems that everyone is making the distribution of RMD's so complicated. I just keep enough in my short term bond fund to take the RMD distribution, PLUS enough in the same bond fund to cover all the taxes owed on the...
by Billyboy
Wed Apr 30, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 12
Views: 740

Re: Fixed income % at retirement

I retired at age 61 with about 15-20% fixed income. Prior to that I was probably 10% fixed. Currently, at age 70, I've gradually moved to 45-50% fixed.
by Billyboy
Fri Apr 25, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9594

Re: Poll: TIP or VTIP

I put "other" since I have Vanguard Short-Term Inflation-protected Securities, Adm. shares (VTAPX).
by Billyboy
Wed Apr 02, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: TIP or VTIP
Replies: 11
Views: 765

Re: Hit a minor milestone today...

Congratulations. :sharebeer I was never able to max mine out; however, for many of the raises I received, I upped my 401k contribution by about the same amount.
by Billyboy
Fri Mar 14, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a minor milestone today...
Replies: 21
Views: 2858

Re: Does This Person Need Umbrella Ins Coverage?

I'm married with two adult children out on their own. If I have 2.3 mil in financial assets plus I own a house, #making payments# have about $250,000.00 in equity, with a double fenced, in-ground pool, two cars, maybe $100,000 in personal effects, how much of an umbrella policy should I realistical...
by Billyboy
Fri Mar 14, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 5162

Re: Does This Person Need Umbrella Ins Coverage?

I'm married with two adult children out on their own. If I have 2.3 mil in financial assets plus I own a house, (making payments) have about $250,000.00 in equity, with a double fenced, in-ground pool, two cars, maybe $100,000 in personal effects, how much of an umbrella policy should I realisticall...
by Billyboy
Thu Mar 13, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 5162

Re: % of annual income saved compared to final portfolio goa

Retired at 61 and met 1st goal of $1mil. @ age 55 saving .018% (of course that's NOT the whole enchilada. You have stock appreciation compounding dividends, etc.).
Reached 2nd goal of $2 mil @ age 65 saving .0%
by Billyboy
Mon Mar 10, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: % of annual income saved compared to final portfolio goal
Replies: 33
Views: 2724

Re: Be careful with Turbotax [Importing data from Vanguard]

I manually input all info into Turbo Tax. The only financial info I have ever imported was my Vanguard and Ally holdings to my Bank Of America, Investment site where everything is updated automatically for easy to follow and complete info.
by Billyboy
Wed Feb 26, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Be careful with Turbotax [Importing data from Vanguard]
Replies: 20
Views: 2747

Re: Transaction recorded incorrectly on VG Website

Before transferring all my financial assets to Vanguard, I had a situation with the large mutual fund company out of Baltimore, Md. concerning some erroneous information they verbally gave me over the phone concerning NUA's. Their error would have cost me almost $20,000 in taxes. After numerous call...
by Billyboy
Fri Feb 07, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Update: Transaction recorded incorrectly
Replies: 24
Views: 2669

Re: Tell me why I should not be overweight midcap index

I've held Vanguard's Mid-Cap Index (VIMAX) for four or five years now and it has performed very well. It has the best record for 1,5 and 10yr. comparison to the S&P and Total Stock Mkt. The 3 yr. return is/was less than 1% lower. I recently sold a substantial amount of VIMAX in order to become m...
by Billyboy
Fri Jan 31, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I should not be overweight midcap index
Replies: 29
Views: 2242

Re: Would Appreciate New Years Review Of My Portfolio

AndrewXnn,
I really appreciate all the time and effort you've put into your posts answering my questions.
Thank you very much.
Bill
by Billyboy
Sun Jan 26, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1623

Re: Would Appreciate New Years Review Of My Portfolio

People tend to recommend international equities because they can appreciate if the US markets weaken. Over the last several years, just the opposite has occurred due in part to the oil boom and accommodative Federal policies. Of course, someday it could go the other way, but in the meantime be prep...
by Billyboy
Sun Jan 26, 2014 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1623
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