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Re: Fixing grandma's portfolio

Indeed, I am digging into cost basis for each and as one might expect, these is little capital gains. 5.75% front load and 2.5% yearly fees take their toll apparently. Thanks for the 3 fund info, but well aware on that. I figured a 20/80 mix was the other alternative. Target Retirement Income seemed...
by Bubbagump
Mon Jul 07, 2014 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing grandma's portfolio
Replies: 7
Views: 906

Fixing grandma's portfolio

As the "investor" of the family I have been tasked with helping to clean up my grand mother's portfolio. She has investments in a mix of individual stocks and terribly expensive active funds. She is 90 years old and the goal here is income as I would imagine we are looking at 10 years maxi...
by Bubbagump
Sun Jul 06, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing grandma's portfolio
Replies: 7
Views: 906

Re: SIMPLE IRA versus Traditional

I am not one to forget. I passed my two years and am ready to execute. The investment planner dude the office used to setup the SIMPLE IRA was none too happy when I sent him a message telling him to start putting my money in the cheapest thing they have. He swears he'll change my mind and find activ...
by Bubbagump
Mon Apr 28, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1535

Re: Early retirement help

Man, and I thought this would be more exciting, Cayman Island, Swiss Bank sounding. Thank you for confirming my suspicions of this coming down to nothing fancy. :D I am not terribly worried about principal in that case as I figure standard rebalancing principles still apply. If bond rates go up, the...
by Bubbagump
Tue Dec 17, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 820

Re: Early retirement help

A CD ladder seems perhaps too "safe". What is the down side of just 50% VBTLX (more or less going for a balanced AA)? I'll make 2.5% yield on VBTLX versus 1-1.5% in CDs and would still get taxed the same. Is there another advantage to CDs I am missing?
by Bubbagump
Tue Dec 17, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 820

Early retirement help

I am in the middle of selling my business with the resultant take home of ~$10mil. I am 35 and looking to retire early... or at the very least not worry about a day job terribly much. (10 years of 80 hour weeks has been enough and I need a rest for at least a while.) Currently I have VTSAX, VTIAX, a...
by Bubbagump
Tue Dec 17, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early retirement help
Replies: 9
Views: 820

Re: Pay down mortgage or invest?

This is interesting to me: http://www.hughchou.org/calc/payoff_v_borrow.cgi At least in my case, it was practically a wash. The real question is over the long haul, what can you expect your investment returns to realistically be as well as tax bracket? You really hope (assuming you are a wage earner...
by Bubbagump
Sun Sep 01, 2013 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or invest?
Replies: 15
Views: 2005

Re: SIMPLE IRA versus Traditional

Well, it sounds like right now I have to sit and wait as I am about 14 months into the 2 years. Even though I am losing to fees, get a decent enough managed fund and maybe make 10% in the mean time. Thanks a lot folks.
by Bubbagump
Fri May 10, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1535

Re: SIMPLE IRA versus Traditional

I read that before posting and I think I missed the point. The key paragraph is: With Form 5305-SIMPLE IRAs an employee should always seek to reduce transfer costs by selecting the lowest cost fund in the employer's plan for accumulating assets for transfer. In the case of load fund SIMPLE IRA's thi...
by Bubbagump
Fri May 10, 2013 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1535

SIMPLE IRA versus Traditional

My employer offers a SIMPLE IRA plan. Currently I am enrolled. Frankly the "adviser" we have is a creep and I trust him as far as Ic an throw him. That said, this got me thinking... I really want to get my retirement money into indexes, but of course the SIMPLE IRA doesn't offer low cost/p...
by Bubbagump
Fri May 10, 2013 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA versus Traditional
Replies: 10
Views: 1535

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