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I know I would have to pay income tax on the difference between life insurance cash value and the amount of premiums I have paid over the policy life. My question is on loan interest that I have paid in also, which is not tax deductible, can I add that amount to the premium to get the net taxable ga...

I know there is a limit of $10,000 per year for purchase of I bonds per SS # through treasury direct If I buy the maximum for myself, can my wife buy in her Treasury Direct account a gift for me of $10,000 I Bonds for a total of $20,000 on My SS?? And if so do the same for her for a total of $40,000...

is it worth it to sell a fund, vwelx, about $450,000 in a taxable account that one has no profit on to escape the dividend and therefore the tax?

since the price of the fund will go down the amount of the dividend once can always buy it back after the dividend is paid

Is everyone comfortable with Financial websites that track portfolios that ask you to give them access to your brokerage accounts?

anyone have a bad experience?

I am confused with the requirements and would appreciate some feedback or a link that would better explain My wife has been getting SS since 62 based on her career, she is retired, and past full retirement age I am still working and past full retirement age I do not plan to take my own SS until 70, ...

Two questions on Vanguard target fund 2015 1- I see the fund uses VTBIX rather than VBMFX for the bond index portion 40%, what is the difference between the 2?- VBMFX seems to be better rated, is VTBIX used for any particular reason by Vanguard, do they change Bond index funds, or it will always be ...

When one is buying a bond fund why wouldn't it be best to get the one with the highest sec yield in relationship to is actual interest payment yield? That is the closer the sec yield is to the interest yield the better and safer the fund would be when and if rates change. Am I missing something?

I am a big fan of indexing when it comes to Stocks. However with Bonds I feel that its a good idea for approx 50% of my bond holdings to be with Pimco All Asset PAUDX 25%, and Hussman Strategic HSTRX 25%, balance of 50% in vanguard Target Retirement Fund 2015. My Total AA is 40% stocks/50% bonds/10%...

Just to clarify the ss i would get is approx $3000 at 70, my wife is getting now $1500 thats the $4500 i was using The other $3000 is what i think i would need to live on Total $7500 per month Obviously i could live on this and even on less, however i believe i should shoot for the best and if it do...

SS $7500 per month

Monthly budget figure includes, taxes, medical( fully insured now) and winter rentals- figure $3000 per month times 3 months

Live in NY Metro area which is EXPENSIVE

66 years old, My retirement scenario is staying in my house, traveling two/three weeks per year, in addition for winter months we would go to warm weather area. Mr retirement at 70 should give me and my wife approx 4500 SS, no other pension, would need income of another $3000 per month, not includin...

Right now I have about $900,000 in savings- 50% ira 50% in VTXVX 23% in series I bonds & 4% E bonds, CD's 15% in VWELX 6% in PRPFX 6% in FFRHX Married, no mortgage- 25% bracket my salary allows me to save approx $75,000 per year The market obviously is very crazy, up & down, and I would like...

In general why would one buy a vanguard retirement income fund or target income funds if wellesley seems that it always has a higher yield.

The stock allocation is also higher although it does not have foreign exposure.

Am I missing something?

Will work another 3/4 years and then retire. Figure will have approx 25% more in funds with savings, and hopefully some growth in my portfolio; right now I have 35% stock index/50% bonds/15% cd's and series E & I savings bonds By the way I have seen postings on TIP investments, however not notic...

Tried Fidelity Retirement Income Planner. They suggested 50% of my $900,000 retirement fund be put into fixed and variable annuities to insure lifetime annuity. I know that there has been a lot of press on annuities lately, but has anyone seen such a high percentage from others? I always though that...

I amvery pleased to have Rick Ferri reply
To my question

I realize in the long run we are all dead so I will go with the 50/50 idea

Thanks I hope to contribute to the forum in the future

Thanks My thought was basically if one knows that a "decision" will be made in less than a month would't it be wise to be patient and make your move when the dust settles The ramifications of inaction by congress would be great and would cause a percipitus drop on bonds and or equities If ...

With debt limit passage up in the air should one wait till it is decided or invest now figuring in the long hall it won't make much of a differnce