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Good question. She and my Dad are very different. She is still very conservative with her money. She may think she might need it for a nursing home to gooble up if she lives to be 100. I can't blame her though because it is her money.

My apologies to you all for not using proper posting procedures. You are correct and I should have followed the procedures. I'll remember that next time. Sorry. My Mother probably will not need this money and will be handed down to my brother and I. My parents were farmers. Their retirement money co...

I'm afraid she would have a lot of long term capital gains as these stocks have been held for a long time. The only other portfolio she has is a small 401k with Fidelity since she still works. It only has about $6,000.00 in it. Thanks

Mother is 71 and doesn't want to put any new money into an IRA since she would have to take distributions. I don't know how much the divendend distributed but can tell you it it was from six large cap stocks like McDonald, Coke, Exxon, ect. Thank you for your help.

Mom has $70,000 in a brokerage account invested in 75% individual stocks and 25% cash. She wants to lower her equity allocation to 30% stock/70% bonds in a single fund that rebalances itself. This is NOT in a tax-advantaged account. We know that balanced funds are not as tax efficient as say Total U...

Thanks to all who replied. It sounds like I should ignore the noise and stay the course since we are 15 years from retirement.

You have legitimate concerns like the rest of us who use bonds to balance out our portfolios. You can ignore the noise and stay the course like the last poster said or you can choose to increase your Short Term Bond portion of your allocation to lessen the volatility of interest rate risk. This bond...

Just curious what other Bogleheads percentage of short and intermediate bonds you hold. Our Ira's are 50/50 stock/bond with Vangaurd. We hold 14% Short Term Bond Index Admiral, 67% of both Total Bond Market Admiral and Intermediate Admiral, and 19% TIPS. We are thinking of selling some Total Bond an...

Thanks to all the replies. My wife's 50% Wellington/50%Wellesley are in tax-deferred Roth IRA. This really helps us with our decision about these two funds. I like the one comment about VG Equity Income and Short Term Bond fund to decrease the bond duration. We will own Wellington and Wellesley for ...

Thanks again Grt2bO. My wife and I are both about 50 and I like Bogle's "age in bonds". You are correct. Owning these slow and steady funds does allow us to sleep better at night!

Thank you all for your replies. Even though these two funds overlap some on the equites side I like that you can get a 50%stock/50bond ratio by owning equal amounts of each fund. I will probably stick with my original IPS and buy and hold these funds through DCAveraging. Again thanks to all help me ...

Thanks for the help. I like these two funds because of the wrong reason -past performance. It is so difficult to get past that. I fear because of the Bogle "reversion to the mean" that these two active-managed funds may have subpar returns for a few years. I could be more diversified if I ...

I was wondering if anyone out there who owns Wellington and/or Wellesley are worried about what rising interest rates will do to these funds since the average duration of the bonds is 6.4 yrs? I have my Roth in Taylor's 3 fund index portfolio but my wife's is 50% Wellington and 50% Wellesley. This g...

Ok thanks. It didn't show the dividend was paid out on the Wellington data I had up. Sorry about that, I should have known better.

Anyone know why Wellington dropped 2.72% today? There was no dividend paid. Just wondering why it got hit so hard. Thanks

Thanks DSIinv. for the reply. I really appreciate your help. That helps a lot.

Thanks dbr. I have to run right now. I greatly appreciate your wisdom and advice. I have a 50/50 mix of stock and taxable bond funds in our IRA's. I just wanted to add this CD money to my taxable account and let it grow for 15 years. Since VBIIX has an overall greater return even after taxes are con...

I may if tax brackets change. The highest I could ever see myself in is 28% though.

Thank you to Taylor and dbr. I'm not sure what to do. I know interest rates will go up soon and bond prices will fall. I wanted to invest a CD I have due into VBIIX or VWITX, but you guys are right. These funds could lose money for the next 10 years if rates rise slowly. How likely it is I don't kno...

RJ, I do plan to hold. I'm just looking at the last 10 years. Everyone bases what they can make by just looking at the dividends. You have to take in the bigger picture which includes the share price. Although no one knows if the past will repeat. Thanks for the reply, Daren

Thanks Chuck and dbr for your replies. I understand the funds invest in different bonds and what types of accounts they should be in. Here is what I don't understand. If you look at the 10 year averages, I would still be better off with VBIIX in a taxable account after I take out my taxes in the 25%...

Could someone please help understand why everything you read on the web does not look at the total return of these two bond funds? I am in the 25% tax bracket and have no state income taxes. I know how to use the bond equivalent calculators to see if the yield is better for me using the Vangaurd Int...

You are right. I'm stressed over this stupid market's volatility. It is just a waste of precious time to even follow what the market does daily. Can I blame it on the media? I doubt it. It's my own fault for watching what the markets are doing. The media loves this volatility and people watch and ea...

Retiredjg, thank you so much for taking the time to help answer my question with your responses. It has been very helpful and I can't tell you how much it means that you care. I just wish I could make up my mind if I should move to Vangaurd or purchase all Spartan Funds but I will have to decide tha...

retiredjg, sorry about the confusion. I shouldn't have said portfolio. I should have said the IRA portion of my portfolio. I don't care about the Roth right now. It is too small to matter. I am just concerned about what to do with the Fidelity account. Any more help would be greatly appreciated. Tha...

Thanks retiredjg, my portfolio at Fidelity is 95% equities and 5% bonds, way to aggressive. In my Roth I have TSM, TISM,STAR and VIIBX the intermediate bond index. Daren

Landy, sorry I forgot to tell you I make a one time payment to our Roths to Vangaurd Inter.Term Bond index for $2600 then make the $100 payments automatically for the rest of the year to max them out at $5000 each. I like your suggestions but I am losing sleep over the volatility in my Fidelity acco...

Thanks Gamma and Landy. We dollar-cost average into the Roths putting $100 each/month into the TSM and International TSM at Vangaurd. I also have been putting $200/mo into the STAR to get some bond exposure. The reason I chose STAR is because of the lower $1000 minimum to get started. I'm thinking I...

Thanks Landy and livesoft and all who have replied. I have read many books on investing including the ones you suggested. My main question is should I go through the hassle of moving the IRA from Fidelity to Vangaurd or just stick with Fidelity's Spartan Funds. This IRA is a rollover from a 403b we ...

Hello Bogleheads, I currently have an IRA with Fidelity. I am invested in almost entirely actively managed funds My asset allocation is way too aggressive for my age. I am 47 and the portfolio consists of 95% equities/5% bonds. I am in funds like Contrafund, Low Price Stock, Emerging Markets, Divers...

Thanks to all of you who took the time to reply. I have learned a great deal and you have opened my eyes about performance and index funds. Since my IRA is already at Fidelity does anyone think I should just invest in their Spartan Funds? Fido doesn't have many choices unlike Vangaurds index funds. ...

Paul, I think part of what you are saying then is that the performance of a fund varies so much with the date that you bought the fund. Also, I don't know if I would sell the fund or not if Joel T. left. Thanks again for all your help. Daren

Does anyone out there trust Dan Wiener and his advice or is it just a bunch of crap? Also I would like some advice about a 60% stock/40% bond porfolio of both index and active-managed funds. Does anyone know which funds Dan uses?

By then it will be to late and I will have either failed miserably or done very well. It is so confusing. I am wasting too much time researching funds. It is stupid. If I go to Edward Jones they say buy my funds. They are actively managed. They will beat the market almost every year.

Thanks Paul, I'm aware of what Vangaurd Growth fund's returns look like and you are right. What I see though is if you look at a Morningstar performance chart and compare Fidelity Low Price Stock which is a small to midcap blend, to Vangaurd's small or small value stock and if you put in $10,000 15 ...

Thanks to all that have replied. This is my first time on the forum and I love it!!!! This is crazy. I already have been helped somewhat. I need someone to convince me without a doubt that indexing is the way to go. Wiener says it is all hype and propaganda. Who do I believe? Who can anyone trust?

To sometimes investor - Thank you for the reply. Your right about Fido gettting to big before they close a fund. The managers at Conta and Low Price Stock have a stellar performance record but your right. No one knows if they can keep it up. Daren

To livesoft -great point about what index to compare Contra to. It owns mostly large but also has some medium, small and a little international. What does it matter what index to compare it to if you had bought the 500 index and it still beats it over the last 10 years? Thank you so much for the rep...

Thanks for answering me back Paul but I still didn't get my question answered. I see what you are saying that all the research may be meaningless if the past performance isn't repeated again. Isn't anything that Dan Wiener says is true? Look at the Windsor fund. It has beaten its index and that of t...

I am new to the forum and I desperately need some advice from all of you. I have an IRA with Fidelity and am wondering if I should roll it over to Vangaurd and invest mostly in low-cost index funds. I know perfomance is no guarantee of future results but one still can look at past performance somewh...