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Re: "Larry Portfolio"

Great book - I enjoyed reading it and learned a lot about managing portfolio risk. Here's an interesting article about his portfolio strategy, written by Mr. Swedroe himself: http://www.cbsnews.com/news/how-to-diversify-your-investments/ There are a few threads about this issue that can be found se...
by Guitarplayer
Sun Aug 10, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Larry Portfolio"
Replies: 4
Views: 817

Re: "Larry Portfolio"

Kind of. For other's reading the thread, the "Larry Portfolio" uses a relatively small proportion of high risk/(Hopefully) high return equities in combination with high quality bonds, that will benefit from a "flight to safety" in a financial panic. The bond portion can certainl...
by Guitarplayer
Sun Aug 10, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Larry Portfolio"
Replies: 4
Views: 817

"Larry Portfolio"

I just finished reading "Reducing the Risk of Black Swans" by Swedroe & Grogan and would like to learn how I can duplicate with Vanguard funds. I am in early retirement and feel comfortable with the value of my portfolio at the present time which is why this portfolio would be ideal in...
by Guitarplayer
Sun Aug 10, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: "Larry Portfolio"
Replies: 4
Views: 817

Re: Moving Money to V. Total Stock Market Index Fund

Some bogleheads might recommend you to make the move, all at once. For most things, I am a gradualist and, depending on the capital gain position, would probably make the move over 3-5 years. I often recommend an immediate switch, but the gradual switch makes sense here. Assuming A shares of Growth...
by Guitarplayer
Sun Jun 29, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money to V. Total Stock Market Index Fund
Replies: 13
Views: 1529

Re: Moving Money to V. Total Stock Market Index Fund

The long-term (1+ year) capital gains tax for taxpayers in the 15% tax bracket is 0%, although you might pay state taxes depending on your state. Therefore, you might want to run projections in tax software each year to see how much you can sell each year without pushing you into the next bracket. ...
by Guitarplayer
Sun Jun 29, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money to V. Total Stock Market Index Fund
Replies: 13
Views: 1529

Re: Moving Money to V. Total Stock Market Index Fund

I would use TurboTax for 2014 in December to see how much to move. I would need to know the cost basis, so that I could figure out the long-term cap gains at that time. I would try to keep the taxes on any move close to zero. You can look up "tax-gain harvesting", too. You might have $300...
by Guitarplayer
Sun Jun 29, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money to V. Total Stock Market Index Fund
Replies: 13
Views: 1529

Moving Money to V. Total Stock Market Index Fund

A significant % of my retirement money is in actively managed funds (taxable). I hold about 50-non-taxable vs 50% taxable The biggest % is in Growth Fund of America which has high fees including 12b and where I hold 25% of the total amount of my portfolio (taxable portion). I want to start moving mo...
by Guitarplayer
Sun Jun 29, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money to V. Total Stock Market Index Fund
Replies: 13
Views: 1529

Re: Total Bond Index Fund and Retirement

Thanks everyone for your posts and links to articles. I am reading them and will come back with comments. You got me thinking about this issue and considering some angles that I had not thought about. Thanks Clarification: -The 4% is withdrawn from the stocks portion of portfolio so it would be in a...
by Guitarplayer
Sun Jun 01, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2014

Total Bond Index Fund and Retirement

I am 64, have no debt, and plan to retire in 1-2 years and I am considering using the dividends from V. Total Bond Index to provide steady income to supplement other sources of income (SS, wife's retirement). Here is what my thoughts are: -increase the holding on the VBMFX to about 50-60% of my tota...
by Guitarplayer
Sun Jun 01, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2014

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: 1600

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: 1600

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: 1600

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: 1600

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: 1600

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: 1600

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: 312

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: 312

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: 312

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: 1600

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: 1600

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: 1600

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: 1600

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: 1600

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: 433

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