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Re: Best asset allocation for middle aged couple

retiredjg wrote: One thing you might not have considered is that your advisor simply took what you have and did "add ons" to make it a better overall portfolio. He may have thought you would prefer doing that to doing a "renovation". And example is adding on emerging markets to I...
by Solstice
Fri Sep 07, 2012 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

Re: Best asset allocation for middle aged couple

Pingo posted: A 65/35 allocation is yet another way you have increased your risk-return objectives of the portfolio to stretch (hope) ever so slightly for higher returns in the absence of Hight Yield, Foreign Bonds, higher return-producing bonds, etc. You seem to be selectively choosing what risks y...
by Solstice
Wed Sep 05, 2012 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

Re: Best asset allocation for middle aged couple

I just edited the original post to include all of the information that has been requested by several posters. I'm sorry it has taken me so long to do this -- I have a health condition and haven't felt up to doing a long post lately. It took several hours to get the post together and I finally finish...
by Solstice
Tue Sep 04, 2012 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

Re: Alternative to Vanguard High-Yield Corporate fund?

Thank you for all the insightful, informed comments -- they've been very helpful. I think we are going to pass on the high-yield funds right now, especially since it sounds like they are currently priced very high. I am wondering if a foreign bond fund might be worth adding (a small amount), for mor...
by Solstice
Fri Aug 31, 2012 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard High-Yield Corporate fund?
Replies: 45
Views: 6165

Re: Alternative to Vanguard High-Yield Corporate fund?

Thanks again for the additional comments. Johm221122, I understand your point about adding additional funds and I agree that it would be best to have a simpler portfolio. I think I was concerned about the bond portion of our portfolio not earning enough, since we would have most of it in the G fund ...
by Solstice
Tue Aug 28, 2012 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard High-Yield Corporate fund?
Replies: 45
Views: 6165

Re: Alternative to Vanguard High-Yield Corporate fund?

Thanks very much for the replies. I was hoping to find a corporate high-yield fund with an expense ratio closer to Vanguard's -- or at least under .5%. I checked into the funds suggested here, but didn't find one with an expense ratio that low. I'm looking for an intermediate term corp. high yield b...
by Solstice
Mon Aug 27, 2012 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard High-Yield Corporate fund?
Replies: 45
Views: 6165

Alternative to Vanguard High-Yield Corporate fund?

Can anyone recommend a good alternative to Vanguard's High Yield Corporate fund (which is now closed)? Something with low fees.

Thanks
by Solstice
Sun Aug 26, 2012 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard High-Yield Corporate fund?
Replies: 45
Views: 6165

Re: Best asset allocation for middle aged couple

Thanks again for the feedback. I ordered the bond book by Larry Swedroe that midareff suggested. Our planner has mentioned Mr. Swedroe’s name a couple of times. We like the idea of simplifying the portfolio so that rebalancing isn’t so difficult. We like retiredjg’s idea of merging the EAFE index (I...
by Solstice
Sun Aug 19, 2012 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

Re: Best asset allocation for middle aged couple

Thanks again for the feedback. I will try to answer everyone’s questions below. The financial planner we are seeing is fee-only and is a big fan of Mr. Bogle’s and of low-cost index fund, buy-and-hold investing. He is the one who told us about the Bogleheads website! The TSP funds are: Large Cap Sma...
by Solstice
Thu Aug 16, 2012 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

Re: Best asset allocation for middle aged couple

Thanks everyone for the thoughtful replies. We greatly appreciate you taking the time to help us. Below are my replies to everyone and my additional comments. I'm sorry for not adding in all the quotes -- I wasn't sure how to do that multiple times in a reply post. Regarding our goal of having the a...
by Solstice
Wed Aug 15, 2012 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

Seeking Best Rate on Term Life Insurance

My husband (age 54 and healthy) is interested in buying a 15 year term life insurance policy for $900,000 (his employer pays $100k, so the total payout would be $1 million). We have checked the rates on companies affiliated with GEICO and the best rate was $151/month. The insurance company has an A+...
by Solstice
Wed Aug 15, 2012 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Best Rate on Term Life Insurance
Replies: 9
Views: 1206

Best asset allocation for middle aged couple

Hello, I'm new to the forum, so please excuse me if I don't know all the posting rules yet. My husband is a 54yr old federal employee and I am a 48 yr old homemaker. We are trying to decide what stock/bond allocation to use for our retirement accounts. We have had a more aggressive 75/25 mix, but wa...
by Solstice
Tue Aug 14, 2012 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation for middle aged couple
Replies: 59
Views: 8846

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