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Re: Yay! I fired my adviser! Now what?!

However, I should keep some assets in this portfolio for a gain, correct? If I take them out of the ones they are in (slowly) what do I move them off to specifically that wouldn't be taxed? Won't all those gains be taxed at some point? I'm not exactly sure what you mean here. You will eventually se...
by Duckie
Mon Apr 20, 2015 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yay! I fired my adviser! Now what?!
Replies: 5
Views: 572

Re: MAGI exceed limit - Confirming Roth IRA transfer process

The Rollover 401K IRA is only in my name. Someone from this forum advised and I need NOT do anything for my wife's Roth IRA. The reason you are recharacterizing in the first place is because your joint income is too high to make direct contributions to a Roth IRA. That means her joint income is too...
by Duckie
Mon Apr 20, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 7
Views: 349

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

I do see that the Vanguard Target Retirement 2055 Fund (VFFVX) (which best matches my age) has ~10% in bonds (and they keep the bond % around 10% all the way through Retirement 2040), so maybe I'll shoot to duplicate that (unless someone may suggest Vanguard is systematically too aggressive in thei...
by Duckie
Mon Apr 20, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 6
Views: 484

Re: Yay! I fired my adviser! Now what?!

terp3473 , welcome to the forum. Age: 33 Desired Asset allocation: 75% stocks / 25% bonds (just a guess) Reasonable for your age. Desired International allocation: 15% of stocks (also, just a guess) Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". ...
by Duckie
Mon Apr 20, 2015 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yay! I fired my adviser! Now what?!
Replies: 5
Views: 572

Re: 56 yr old ? on my Roth IRA

what would you suggest I do on the Roth ?? I tried to go with the 3 fun investment I read about here...what did I do wrong ? The three-fund portfolio is total US stock, total international stock, and total bond. In your Roth IRA you have Vanguard Total Stock Market which covers total US stock, Vang...
by Duckie
Mon Apr 20, 2015 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 56 yr old ? on my Roth IRA
Replies: 4
Views: 276

Re: Help with IRA choices

surfer5855 , although I personally prefer Vanguard, you could stay at Fidelity but just get out of the PAS account. You could have: 40% ( FSTVX ) Spartan Total Market Index Fund Advantage Class (0.05%) 20% ( FSGDX ) Spartan Global ex U.S. Index Fund Advantage Class (0.18%) 40% ( FSITX ) Spartan U.S...
by Duckie
Mon Apr 20, 2015 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with IRA choices
Replies: 3
Views: 150

Re: MAGI exceed limit - Confirming Roth IRA transfer process

I have contributed 5500 to Roth IRA for me and my wife (my wife does not work) for 2015 with Vanguard. Does this mean you contributed $5.5K to a Roth IRA for yourself and $5.5K to a Roth IRA for your wife? Because if you also contributed for your wife then she will have to recharacterize her Roth I...
by Duckie
Mon Apr 20, 2015 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI exceed limit - Confirming Roth IRA transfer process
Replies: 7
Views: 349

Re: Quick gut-check/feedback on 27y.o.'s first full plan?

Desired Asset allocation (retirement): 93% stocks / 7% bonds (120 minus age) Desired International allocation: 40% of stocks (copying Vanguard's Target Retirement 2060 here) You need more bonds. Minimum of 10%. 20% would be better. Funds available in my 401(k) that have decent expense ratios: What ...
by Duckie
Mon Apr 20, 2015 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick gut-check/feedback on 27y.o.'s first full plan?
Replies: 6
Views: 484

Re: 56 yr old ? on my Roth IRA

would I be better leaving the Roth alone or having some go to Amerivest ? Two separate questions: Should you pay Amerivest to manage some of your retirement money? No. Should you leave the Roth alone? No. Please provide more information for us using the 
 Asking Portfolio Questions template. Make s...
by Duckie
Mon Apr 20, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 56 yr old ? on my Roth IRA
Replies: 4
Views: 276

Re: Limiting Financial Institution "Sharing Personal Info"

My question is do you need to reaffirm your direction to limit sharing to the greatest extent possible every year, or does a directive given one time stick forever, or for a certain number of years? Unless you are changing something you only need to do it once per institution. (But if your institut...
by Duckie
Sun Apr 19, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Limiting Financial Institution "Sharing Personal Info"
Replies: 1
Views: 207

Re: Help with my 401k Allocations

kingrocks , welcome to the forum. Age: me: 37, Desired Asset allocation: 60 stocks / 40 bonds? Desired International allocation: not sure At age 37 an AA of 60/40 is reasonable. A little conservative, but reasonable. For international I recommend 30% of stocks. But anything between 20% and 40% is r...
by Duckie
Sun Apr 19, 2015 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my 401k Allocations and Savings build up??
Replies: 15
Views: 654

Re: Work adjustment options

Earl Lemongrab, you're 59 with $1.4MM in your portfolio and only $41K expected annual expenses. That would be 2.8% of the portfolio, already a safe withdrawal rate. But when you add the $39K pension into the mix (and eventual social security) there is no financial reason to keep working.
by Duckie
Sun Apr 19, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Work adjustment options
Replies: 9
Views: 487

Re: DB and DC plan limits combined?

I worked at a job that had a pension and a separate 457b plan. The pension was mandatory. I had no choice whether or not to have that amount withheld. It was pre-tax. The 457 plan was elective. I was able to contribute the federal maximum (which in 2015 would be $18K). The amount the OP's FIL contri...
by Duckie
Sat Apr 18, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: DB and DC plan limits combined?
Replies: 13
Views: 876

Re: Reverse rollover and backdoor Roth

daremyth , welcome to the forum. My current plan is to do a roll-in from the rollover IRA into my 401k (my plan allows it), then do a conversion of the remaining traditional IRA into a Roth. Since the trad has been open for a little while, I'll take a little bit of a tax hit, but I'm ok with that i...
by Duckie
Fri Apr 17, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse rollover and backdoor Roth
Replies: 4
Views: 391

Re: ROTH IRA Overcontribution Question - Form 8606 + Backdoo

For some reason I thought if there was a RIRA to TIRA recharacterization you're supposed to include that on Line 6 (since you're effectively changing the contribution). If you had recharacterized the 2014 contribution in 2014 instead of 2015 (and not converted it in 2014) then there would have been...
by Duckie
Fri Apr 17, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1081

Re: Can I open solo 401K on 2500$ self employed income

Maybe Vanguard changed its policy. My experience is from 1.5 years ago. My wife had a Vanguard solo 401K plan and SEP and rollover IRA's with Vanguard as well. They would not allow rollover into the 401K. We had to open a Fidelity solo 401K to roll those IRA's into it. SEP IRAs and rollover IRAs ar...
by Duckie
Thu Apr 16, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1290

Re: ROTH IRA Overcontribution Question - Form 8606 + Backdoo

I see that on line 17, you entered the amount that was reacharacterized (not included earnings). I really wanted to do this since it seemed right, but the instructions said to use Line 11 (if you did Part 1), which includes earnings. That's why I kept getting the taxable income was 0 (2618-2618). I...
by Duckie
Thu Apr 16, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1081

Re: Can I open solo 401K on 2500$ self employed income

Just crashing someone else's thread - does Vanguard not accept ANY rollovers? Or do they just not accept IRAs? In other words, could I roll over an old employer's 401k into a Vanguard solo 401k? Vanguard's Individual-401k details state they accept rollovers from qualified plans (like a 401k). I don...
by Duckie
Thu Apr 16, 2015 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1290

Re: Backdoor Roth after Rollover

I think I know the answer to this, but if my wife is over 50 then I assume she is eligible to make a total non-deductible IRA contribution of $6500 in 2015 (standard $5500 plus the $1000 catch-up)? Yes. As for the Backdoor Roth, I assume the total $6500 would be eligible for the Backdoor Roth conve...
by Duckie
Thu Apr 16, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth after Rollover
Replies: 10
Views: 880

Re: Can I open solo 401K on 2500$ self employed income

Yaz , it sounds like you won't be contributing any money to your W2 401k plan until November. If that is the case, you are unlikely to max the $18K limit to that plan. Because of that you should be able to contribute almost all of your ~$2500 self-employment earnings to the solo 401k as an employEE...
by Duckie
Wed Apr 15, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1290

Re: Retirement Portfolio Help

boglefan86 , welcome to the forum. My main goal is to simplify my portfolio and have a low expenses that takes advantage of my 401k and Roth portfolio. I see that the Fidelity Spartan funds have low expenses, but not sure which ones complement well. I guess my weakness is understanding what funds o...
by Duckie
Wed Apr 15, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Help
Replies: 6
Views: 657

Re: ROTH IRA Overcontribution Question - Form 8606 + Backdoo

The $5500 contribution for 2014 was done in early 2014, but the recharacterization and conversion was just done a few days ago (2015). Line 6 says to use the total value of TIRA/SEP/Simple IRA's as of December 31, 2014. The were actually 0 for me (since the $5500 was still in the ROTH as the time),...
by Duckie
Wed Apr 15, 2015 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1081

Re: Rules on using IRA money for child's education?

Mom has a 6 yr old ROTH account: $10,000 (balance) [Ttl contributions: $5,000 (thus, $5k of the balance is from growth & earnings)] Q1) Can she withdraw $5,000 from her ROTH in the first year to help cover the $5,000 shortfal without tax or penalty? Yes. Q2) Then, are there any tax implications...
by Duckie
Tue Apr 14, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rules on using IRA money for child's education?
Replies: 16
Views: 1220

Re: ROTH IRA Overcontribution Question - Form 8606

For some reason I thought it would be simpler to wait to 2015 to do the conversion for the 2014 contribution, which is why I waited. It's cleaner when both the contribution and conversion happen in and for the same year. That way they get put on the same form. I think TT uses this "IRA Info Wk...
by Duckie
Tue Apr 14, 2015 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1081

Re: Couple of Q's about Roth IRAs / opening new Roth @ Vangu

If we get our tax figures tomorrow (4/14), is that enough time to open a new Roth IRA with Vanguard? She can walk into a bank and open and fund a Roth IRA tomorrow. Then after the tax-filing storm has abated she can open a Roth IRA at Vanguard and have them pull the assets from the bank Roth IRA in...
by Duckie
Mon Apr 13, 2015 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Couple of Q's about Roth IRAs / opening new Roth @ Vanguard
Replies: 7
Views: 515

Re: 403B vendor choices - stay at TRP or transfer to Fidelit

DA200 wrote:Is it worth the effort to transfer?

If it were me I would switch to Fidelity. I would pick Spartan Total Market, Global ex US, and US Bond index funds (depending on the rest of the portfolio).
by Duckie
Mon Apr 13, 2015 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403B vendor choices - stay at TRP or transfer to Fidelity
Replies: 9
Views: 610

Re: ROTH IRA Overcontribution Question - Form 8606

My question is: Did I fill out the 2013 8606 and now the 2014-8606 correctly while using TurboTax? 2013 8606 Line 1: 2460 Line 2: 0 Line 3: 2460 Line 4: --- Line 5: --- Line 6: --- Line 7: --- Line 8: --- Line 8: --- Line 9: --- Line 10: x (turbotax put this) Line 11: --- Line 12: --- Line 13: --- ...
by Duckie
Mon Apr 13, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH IRA Overcontribution Question - Form 8606 + Backdoor
Replies: 10
Views: 1081

Re: Form 1116 and H&R Block efile error

I notice the form says to "attach a statement". Can that be done in the H&R Block software? I had to add that statement in TurboTax so I assume it can be done in H&R Block. In TT the way to explain it was a clickable "Explanation" specifically for Line 2 (above the Deduc...
by Duckie
Mon Apr 13, 2015 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Form 1116 and H&R Block efile error
Replies: 1
Views: 277

Re: TurboTax Flagship Pricing for Tax Year 2014?

As a Flagship client at Vanguard, I was able to download Turbo Tax Premier for free, which supposedly includes "state filing". When I tried to e-file, I was asked to cough up an additional $24.99 for the state return. Anyone else, had the same experience? Were you able to avoid paying $24...
by Duckie
Sun Apr 12, 2015 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Flagship Pricing for Tax Year 2014?
Replies: 4
Views: 459

Re: [Strategy] New 401k for Soon to Retire Parent

Employer match is 3%, which is likely all he'll put in. Current pay is mid-$30k/year, so this won't be a lot either way. Dad will probably work for another 5 years provided his knees and back hold out. It seems like he wants to be aggressive with this money, since he wasn't really counting on getti...
by Duckie
Sun Apr 12, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Strategy] New 401k for Soon to Retire Parent
Replies: 2
Views: 276

Re: Portfolio Feedback

313msu , welcome to the forum. Should I consolidate my funds? I don't think you can. You could convert His Rollover IRA to His Roth IRA but it would be expensive and I don't recommend it. She may be able to roll Her 401k to Her TIRA but it's not clear since it looks like she still works for the sam...
by Duckie
Sun Apr 12, 2015 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Feedback
Replies: 3
Views: 257

Re: Backdoor Roth after Rollover

samsmith wrote:I assume that the fact that my wife will still have HER own IRAs and SEP IRAs in 2015 is irrelevant to the lack of a pro-rata issue when I do the Backdoor Roth conversion in 2015.

Correct. Her stuff doesn't affect your stuff.
by Duckie
Sun Apr 12, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth after Rollover
Replies: 10
Views: 880

Re: Backdoor Roth after Rollover

What confuses me is that I know I will need to do a From 8606 for my 2014 Tax Year. On line 1, of Form 8606, I would enter the amount of the non-deductible IRA attributable to the 2014 tax year (likely $5500). But what I cant figure out is what we go on line 2 of Form 8606. It sounds like this is t...
by Duckie
Sat Apr 11, 2015 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth after Rollover
Replies: 10
Views: 880

Re: Roth IRA Conversion on Reduced Basis

burgerarbitrage , welcome to the forum. I just want to confirm that my "basis" in the traditional IRA is something like $0 or $2,000 Given the information, the TIRA of $2K has a $0 basis. So if you make non-deductible contributions for 2014 and 2015 and then convert the $11K plus the $2K,...
by Duckie
Sat Apr 11, 2015 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion on Reduced Basis
Replies: 2
Views: 226

Re: Vanguard Question - Australia

Wow, I didn't know Vanguard had an Australian section. That's interesting. But you're still going to have to pay commissions on the ETFs and the funds have buy/sell spreads and high expense ratios (management costs).
by Duckie
Fri Apr 10, 2015 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Question - Australia
Replies: 15
Views: 918

Re: Vanguard Question - Australia

markinvest , welcome to the forum. But is there any difference to simply buying Vanguard funds by using their ASX codes through Commsec, or actually registering for a Vanguard account? Is there some kind of advantage to actually having a Vanguard account? If you could buy Vanguard's funds and ETFs ...
by Duckie
Fri Apr 10, 2015 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Question - Australia
Replies: 15
Views: 918

Re: Help with IRA rollover made last year

Condor , welcome to the forum. I think I made a mistake last year and ended up rolling over funds twice within a year. I had three old 401K's that I rolled over into a traditional IRA at Citizens Bank. If you're concerned about the IRA One-Rollover-Per-Year Rule , these rollovers are not an issue. ...
by Duckie
Fri Apr 10, 2015 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with IRA rollover made last year
Replies: 2
Views: 317

Re: What to do with old brokerage account?

Obviously, this is going to throw of the overall asset allocation. How would y’all suggest rebalancing everything at that point? What are the current percentages of assets in your taxable, 401k, and IRA accounts? For example, maybe your retirement assets are 20% taxable, 50% 401k, and 30% IRA. We n...
by Duckie
Thu Apr 09, 2015 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1039

Re: Complex Roth IRA Excess Contribution

Anyone have thoughts on moving my wife's original 401k now held in TIRA to an SE 401k to avoid the proportional percent when I attempt to convert the new ND-TIRA money back to Roth? That would work as long as she has self-employment income in 2015. I'm a bit fuzzy on what the IRS allows for spousal...
by Duckie
Thu Apr 09, 2015 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complex Roth IRA Excess Contribution
Replies: 3
Views: 336

Re: Complex Roth IRA Excess Contribution

hoppyumr , welcome to the forum. 1. The question I'd have is the timing of all these things. Since we contributed evenly through the 2014 months, and plan to recharacterize that money before filing our 2014 taxes, can we backdoor convert it to a Roth in 2015? I think we can. Is there a deadline to ...
by Duckie
Wed Apr 08, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complex Roth IRA Excess Contribution
Replies: 3
Views: 336

Re: Do I file a tax form for after tax 401k -> Roth IRA

I did a rollover from my after tax 401k to a Roth IRA. I searched here, and hunted through various IRS publications, such as http://www.irs.gov/pub/irs-pdf/p590a.pdf and am pretty sure I did it correctly. I do not see whether there is a form to file with my taxes this year to tell the IRS the basis...
by Duckie
Wed Apr 08, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I file a tax form for after tax 401k -> Roth IRA
Replies: 3
Views: 439

Re: Roth Conversion and Taxes

Don't forget about the waiting period required after a recharacterization. Right. There will have to be a 30-day waiting period between the recharacterization and the reconversion. Per the IRS : You cannot convert and reconvert an amount during the same tax year or, if later, during the 30-day peri...
by Duckie
Tue Apr 07, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Taxes
Replies: 6
Views: 633

Re: Roth Conversion and Taxes

Prior to 2014, I had converted any traditional IRAs I had into Roths such that I started 2014 with only Roth balances, no TIRA. In March 2014, I made my 2013 IRA contribution of $5500 to a TIRA and subsequently converted to a Roth. Did you file Form 8606 with your 2013 taxes? If not you can file th...
by Duckie
Tue Apr 07, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Taxes
Replies: 6
Views: 633

Re: Need help with Portfolio...Late-starters...

I pretty much had the same split between accounts and funds as you suggested. The difference is His ROTH is invested all in international (FSGDX) as of today and I plan to use FSTVX instead of FSTMX in all accounts. So His Roth IRA is over $10K? We might be fine, it all depends how big my husband's...
by Duckie
Tue Apr 07, 2015 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Portfolio...Late-starters...
Replies: 14
Views: 1855

Re: Which tax advantaged account to use for side income?

So for 2015, it sounds like I need to do the following to avoid the pro-rata issue: a) contribute non deductible $5500 to my Traditional IRA b) convert $5500 to Roth IRA c) convert $800 from SEP to Roth IRA d) pay taxes on $800 Is that right? Don't forget any amount you add to the SEP IRA in 2015 f...
by Duckie
Tue Apr 07, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which tax advantaged account to use for side income?
Replies: 11
Views: 989

Re: Need help with Portfolio...Late-starters...

Would it be worth doing a rollover of some funds from His Rollover into His 401K to take advantage of the lower fees for the bonds and international allocation? It's not worth rolling over for 0.04% difference in bonds or 0.06% difference in international stocks. Leave the assets in His Rollover IR...
by Duckie
Tue Apr 07, 2015 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Portfolio...Late-starters...
Replies: 14
Views: 1855

Re: IRA Rollover [Partial vs. distribution, withholding]

wcombs wrote:Also, a while back Duckie suggested a short-term bridge loan. How exactly does that work?

Here's an article about bridge loans.
by Duckie
Mon Apr 06, 2015 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Rollover [Partial vs. distribution, withholding]
Replies: 24
Views: 1293

Re: IRA Rollover [Partial vs. distribution, withholding]

wcombs wrote:I am totally confused. So is what obgraham told us wrong or illegal or both?

He did what you are planning to do: take a distribution (not a loan) and roll it back within 60 days. It is legal. It's also very risky because of the time limit.
by Duckie
Sun Apr 05, 2015 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Rollover [Partial vs. distribution, withholding]
Replies: 24
Views: 1293

Re: Newbie finance/retirement planning questions

After contributing to Roth IRA for 2015, I will still have money left in saving. Should I add that to emergency fund or pay down mortgage? Your emergency fund is $30K. With two kids you should have at least six months' expenses, enough to pay the necessary bills if you lost your job. So bump up tha...
by Duckie
Sun Apr 05, 2015 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie finance/retirement planning questions
Replies: 7
Views: 904

Re: Portfolio Help - when to add fixed products?

FinanceFrank , welcome to the forum. What’s the argument for keeping min 10% in fixed? For the sake of diversification (akin to REITs / alt investments)? Reduce deviance? Income? Yes, yes, and yes. Bonds are about returns, diversification, cushioning the fall, and having dry powder (money for rebal...
by Duckie
Sat Apr 04, 2015 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help - when to add fixed products?
Replies: 5
Views: 511
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