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Re: Asset Allocation

OverTheHill wrote:Banjo player here, also age 63. Between all the musicians around here, we could put together quite a jam session.


Sounds good to me!!!
by Guitarplayer
Sat Jun 01, 2013 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Chris M: I do agree with you that MLewis answer was excellent and so is yours. As a result I have began to take steps (by opening up a bond fund account with Vanguard-Total Bond Fund) and transferring IRA money to it so it remains non-taxable. In regards to health care fund I am aware of the danger...
by Guitarplayer
Sat Jun 01, 2013 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Chris M: I do agree with you that MLewis answer was excellent and so is yours. As a result I have began to take steps (by opening up a bond fund account with Vanguard-Total Bond Fund) and transferring IRA money to it so it remains non-taxable. In regards to health care fund I am aware of the danger...
by Guitarplayer
Sat Jun 01, 2013 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Interesting to mention that my wife and I put the exact same amount on a Roth IRA but on different funds. She invested in Health Care and myself on Windsor and she has done much better than me (I did see the light several years ago and changed course). Guitar Player Health Care may have done very w...
by Guitarplayer
Wed May 29, 2013 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Guitarplayer, I think now would be an excellent time for you to rebalance into 65% fixed income (e.g. CDs, total bond fund, or ST bond fund), unless you plan to keep working for several more years. Good luck, Jim JIm: Thank you very much. With all of the thoughtful responses from participants in th...
by Guitarplayer
Wed May 29, 2013 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Hi Guitar Player. Since I'm a piano player, I'll throw in my two cents. You've gotten responses from Bogleheads who have between 50 and 20,000+ posts on this forum, and they are, believe me, treating you with the utmost respect. That said, here's the Boglehead Investment Philosophy: http://www.bogl...
by Guitarplayer
Wed May 29, 2013 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Traditional, ROTH and SEP-IRA

It makes no difference whatsoever. If you are depending on your Roth IRA for a back-up emergency fund, it makes sense to hold bonds there, since they are less volatile than stocks. Otherwise, it doesn't matter. There's no advantage to putting bonds in traditional vs. Roth. You are mistaken about a ...
by Guitarplayer
Wed May 29, 2013 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional, ROTH and SEP-IRA
Replies: 4
Views: 272

Re: Traditional, ROTH and SEP-IRA

archbish99 wrote:See Principles of Tax-Efficient Fund Placement. All else being equal, I'd put it in the Traditional or the SEP, since you prefer to keep the highest expected return in the Roth. However, they're all tax-advantaged, so none of them would be a bad choice.


Thank you very much.
by Guitarplayer
Wed May 29, 2013 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional, ROTH and SEP-IRA
Replies: 4
Views: 272

Traditional, ROTH and SEP-IRA

I want to transfer money to the Total Bond Market Fund from non-taxable accounts and wonder if there is any preference as to which one I should transfer (or not transfer)? I have Traditional IRA, ROTH and SEP-IRAs. Are there any special considerations for transferring ROTH-IRA to the Total Bond Mark...
by Guitarplayer
Tue May 28, 2013 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional, ROTH and SEP-IRA
Replies: 4
Views: 272

Re: Asset Allocation

What exactly is your question? Someone nearing retirement should have a significant proportion of their portfolio in fixed income. You want a number, how about 45%? International equity? How about 30% of your total equity? Also, in regards to your wife doing better in the health care fund and then ...
by Guitarplayer
Mon May 27, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Well, maybe the OP can ease into bonds? I can see buying one or two years of retirement-expenses worth of short-term bond funds. For example suppose with $1 million portfolio of equities, one projected $40,000 of annual retirment expenses to be paid out of the portfolio. I can see starting right of...
by Guitarplayer
Mon May 27, 2013 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

Interesting to mention that my wife and I put the exact same amount on a Roth IRA but on different funds. She invested in Health Care and myself on Windsor and she has done much better than me (I did see the light several years ago and changed course). Guitar Player Health Care may have done very w...
by Guitarplayer
Mon May 27, 2013 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Re: Asset Allocation

You don't need help with asset allocation. http://www.bogleheads.org/wiki/Category:Asset_Allocation You have already said you want to be 100% invested in stocks. What else is there to discuss? In your post from a year ago, it was suggested that you add bonds to your assets, which you ignored. Not s...
by Guitarplayer
Mon May 27, 2013 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Asset Allocation

I need help with asset allocation. Emergency Funds: Have at least 6 months. Maybe even longer (One year?) Debt: None-Own two houses and one office mortgage free Tax Filing Status: Married Filing Jointly Tax Rate: Low: Last year: 12.37% I live in Florida Age: My wife and I: both age 63 Desired asset ...
by Guitarplayer
Mon May 27, 2013 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 24
Views: 1580

Bond Allocation

Age: 62 Plan to "retire" in the next 2 years. May still work part time after the first year. Investments: 100% Stock. Would like to balance portfolio with bonds to reduce volatility. I am considering the Total Bond Market Index from Vanguard. High risk tolerance (tested during several bear...
by Guitarplayer
Sun Jul 22, 2012 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 2
Views: 431

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