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Re: Retirement Planning

We recently had an influx of cash to our taxable acct, so have stopped IRA withdrawals for the rest of this year. I have added 30K in cash to taxable which we will use if necessary. Is there any way to hold that somewhere other than MM fund which charges .17%? I might be better off keeping it all in...
by lauberge49
Tue Jun 10, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Cross Country trip this summer. Any advise?

We do all of our trips via driving, it's the way to go! For navigation, my daughter introduced us to WAZE, a social media app with a ton of users especially out west. Give it a try on your IPAD. Have you driven the Blue Ridge Parkway in NC/TN/VA area. It is quite scenic. We also like the drive up th...
by lauberge49
Wed Mar 05, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1714

Re: International Bonds

I decided to ask this question based on the article "The New Reality of International Bonds". This was posted on the Vanguard page that lists all of the investing articles. Interesting..............
by lauberge49
Mon Oct 21, 2013 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 16
Views: 1413

International Bonds

In my gradual journey towards a 3-fund portfolio, I notice that TSM and TBM funds do not include any exposure to International Bonds. Even my current VWENX and VWIAX do not hold Intl Bonds according to portfolio analysis. How should one approach this with three fund plan and include Intl Bonds, or i...
by lauberge49
Mon Oct 21, 2013 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bonds
Replies: 16
Views: 1413

Re: YOUR QUESTIONS FOR THE EXPERTS PANEL

This might be a newbie question and for that I apologize, but I've been hearing a lot of "noise" regarding the bond market and bond funds recently. Can bonds and bond funds still be considered "safe" part of asset allocation in a rising interest rate environment? What bonds or b...
by lauberge49
Tue Sep 03, 2013 8:49 am
 
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 63
Views: 8706

Re: Individual Stocks - Do you own any?

When I dumped my 30+ YR experienced Financial Advisor in 2008, I stayed totally in the market and used Morningstar as my guide for which individual stocks to own. I had a good recovery using this strategy until last year, however found myself "dabbling" too much as the markets leveled off....
by lauberge49
Tue Sep 03, 2013 8:37 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 7308

Re: Retirement Planning

Somewhere between 50/50 and 60/40 would suit me. I like Wellington and Wellesley in the IRA for the near term. Given that, I need to allocate the 61K in the taxable acct. I took a small short term cap gain there to get out of life strategy funds. Maybe a mix of international, plus TSM? Do you just ...
by lauberge49
Thu Jul 18, 2013 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Somewhere between 50/50 and 60/40 would suit me. I like Wellington and Wellesley in the IRA for the near term. Given that, I need to allocate the 61K in the taxable acct. I took a small short term cap gain there to get out of life strategy funds. Maybe a mix of international, plus TSM?
by lauberge49
Thu Jul 18, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

What about the tax managed funds? VTMSX- TM SMALLCAP
VTGLX-TM GROWTH AND INCOME
VTCLX-TAX MANAGED CAPITAL APPRECIATION
VTMFX-TM BALANCED
by lauberge49
Wed Jul 17, 2013 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

If I am not comfortable with International in the taxable, what would you suggest. I might go 5% Intl, then what?
by lauberge49
Wed Jul 17, 2013 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Am considering REIT, international, possibly munis for taxable acct, comments?
Will suspend IRA withdrawals so to lower tax bracket.
Still mulling over IRA choices
by lauberge49
Wed Jul 17, 2013 6:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Given the situation with bonds, is it better to go with short term bonds, or stick with the fund that encompasses the entire bond market?
by lauberge49
Tue Jul 16, 2013 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

I tried to have the dividends and capital gains in my taxable acct xfer red to the applicable mm fund, but I got a pop-up message that I could not xfer them to a zero balance mm fund. I am in the process of working on that with Vanguard.
by lauberge49
Fri Jul 12, 2013 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

A safer bet, because what you just posted is above my pay grade, would be to keep 12K in the MM, and wd 1K a month, then at the end of a year when you know you have owned it for long enough, convert another 12K? What am I missing here?
by lauberge49
Fri Jul 12, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

So, we get this plan set up, and all is invested except for our checking accts. Let's assume that I want to withdraw 1,000/mo from the taxable. Each time I need to do a withdrawal, stock fund has to be sold, which will trigger short term capital gains, no?
by lauberge49
Fri Jul 12, 2013 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

The basic premise, from what I gather, is to minimize IRA withdrawals by using more taxable acct and checking acct funds, and wd from the IRA on an as-needed basis? Yes, I will repeat the obvious and ask all of the dumb questions, because I want to get this as right as possible, then run with it. I ...
by lauberge49
Thu Jul 11, 2013 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

If we do not reinvest dividends in the taxable acct, simply have them deposited into checking?
by lauberge49
Thu Jul 11, 2013 11:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

I am definitely learning more with every post, and will be doing lots of reading! With regard to withdrawals, be they from taxable or non-taxable, does it make more sense to keep a few months of withdrawals in the MM fund, or do exchanges from your investments every month? I have tended to keep too ...
by lauberge49
Thu Jul 11, 2013 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Peter, I am interested in your ideas on a total portfolio makeover, bring it on, please......
by lauberge49
Thu Jul 11, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Most of the three fund strategies use VTSAX, total stock mkt admiral, and
VBTLX, total bond admiral. I do not own those, and am wondering if they should be part of my strategy.
by lauberge49
Wed Jul 10, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Re AAPL: I appreciate that comment, and that will happen eventually. Please keep in mind that I have switched from buying undervalued individual stocks to this VG plan. I had a full recovery from the 2008 debacle because I never got out. Now, I want to be more diversified using indexing with a few f...
by lauberge49
Wed Jul 10, 2013 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

Should we have a banner farm year, then we simply add to the taxable acct, or should we suspend withdrawals and spend down the taxable acct at the same rate when funds are available there?
by lauberge49
Wed Jul 10, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Re: Retirement Planning

I think we can sustain given current income and withdrawals, I am more interested in my choice of VG funds and my diversification, which is heavily USA right now. Does anyone have a recommendation on which funds would be better in each acct, taxable and non-taxable?
by lauberge49
Wed Jul 10, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Retirement Planning

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by lauberge49
Wed Jul 10, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4106

Allocation to Vanguard

What would the Vanguard alternative be to the following allocation, which contains SOME VG funds already SPY-7.75% VTV-7.75% IWC-7.75% VBR-7.75% VNQ-4% EFA-6.4% EFV-6.4% VSS-6.4% DLS-6.4% VWO-6.4% WPS-3% SHY-10% IEF-15% TIP-5% Went to cash from individual equities at DOW 10K, and will be moving from...
by lauberge49
Fri Nov 06, 2009 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation to Vanguard
Replies: 3
Views: 892

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