Search found 38 matches

Return to advanced search

Re: Personal Investment Question--VBTLX

The funds are VBTLX--- Vanguard Total Bond Market Index Fund Admiral Shares
and VTSAX--Vanguard Total Stock Market Index Fund Admiral Shares.
Thanks for your help everyone.
rkd
by rkdlib
Fri Jun 28, 2013 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Question--VBTLX
Replies: 4
Views: 326

Personal Investment Question--VBTLX

I'm retired (63) and have 47% of my IRA in VBTLX and 53% in VTSAX. I shouldn't need the IRA funds until the MRD. I have no debt and have 8 mo emergency fund. I do have a ROTH also. I'm asking for suggestions for reducing the bond fund and suggestions for reinvesting that money.
Thanks.
rkd
by rkdlib
Fri Jun 28, 2013 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Question--VBTLX
Replies: 4
Views: 326

Re: GE Capital Corp Bond (GEB)

Thank you.
by rkdlib
Thu Jun 27, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: GE Capital Corp Bond (GEB)
Replies: 18
Views: 1006

Re: GE Capital Corp Bond (GEB)

Thanks for the info.
r
by rkdlib
Thu Jun 27, 2013 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: GE Capital Corp Bond (GEB)
Replies: 18
Views: 1006

Re: Investing

Thank you, SHB.
by rkdlib
Wed Jun 26, 2013 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: GE Capital Corp Bond (GEB)
Replies: 18
Views: 1006

GE Capital Corp Bond (GEB)

Hi, I've used your advice several times and am seeking more. I have a Vanguard account and have moved most of my investments to it. However, I bought a GE Capital Corp Bond (GEB) in Jan 2013 while I was with Ed Jones. It has continued to lose money. I'm concerned about losing more if I sell it now a...
by rkdlib
Wed Jun 26, 2013 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: GE Capital Corp Bond (GEB)
Replies: 18
Views: 1006

Re: Investing

Thank you Mnd. I will. [See my post below --admin LadyGeek]
by rkdlib
Wed Jun 26, 2013 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: GE Capital Corp Bond (GEB)
Replies: 18
Views: 1006

Investing

Hi, I've used your advice several times and am seeking more. I have a Vanguard account and have moved most of my investments to it. However, I bought a GE Capital Corp Bond (GEB) in Jan 2013 while I was with Ed Jones. It has continued to lose money. I'm concerned about losing more if I sell it now a...
by rkdlib
Tue Jun 25, 2013 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: GE Capital Corp Bond (GEB)
Replies: 18
Views: 1006

Re: Help with investment planning

FIRST, revoke advisor's discretionary authority. THEN obtain all gains/losses/cost basis information from EJ regarding the joint taxable account. (Vanguard will not be able to give you this information when you transfer the assets "in-kind" so get it BEFORE you leave EJ. AFTER THAT, conta...
by rkdlib
Wed Jun 20, 2012 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Her Traditional and Roth IRAs at Vanguard -- 25% 22% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.06%) 3% ( VBTLX ) Vanguard Total Bond Market Index Fund Admiral Shares (0.10%) His Traditional and Roth IRAs at Vanguard -- 7% 7% ( VBTLX ) Vanguard Total Bond Market Index Fund A...
by rkdlib
Wed Jun 20, 2012 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Her Traditional and Roth IRAs at Vanguard -- 25% 22% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.06%) 3% ( VBTLX ) Vanguard Total Bond Market Index Fund Admiral Shares (0.10%) His Traditional and Roth IRAs at Vanguard -- 7% 7% ( VBTLX ) Vanguard Total Bond Market Index Fund A...
by rkdlib
Tue Jun 19, 2012 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Rhonda, leaving EJ is emotionally difficult but practically simple: you just call Vanguard and they will transfer the assets over from EJ. There will be no tax penalty or fee to do this; anything that was in an IRA will stay in an IRA, which is all the IRS cares about. Once the assets are at Vangua...
by rkdlib
Mon Jun 18, 2012 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

rkdlib , you want an AA of 50% stocks, 50% bonds, and didn't specify international, so I picked 30% of stocks in international. That breaks down to 35% US stocks, 15% international stocks, and 50% bonds. Here is a possible retirement portfolio: Joint taxable at Vanguard -- 28% 15% ( VGTSX ) Vanguar...
by rkdlib
Mon Jun 18, 2012 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

... Desired Asset allocation is 50/50 for both Current portfolio is low 7 figures Joint Non IRA 28% Her IRAs 25% His IRAs 7% His 401K 40% ... Ditch Edward Jones. Move Her IRAs to one single fund: Vanguard Total Bond Market Index fund. Move His IRAs to one single fund: Vanguard Total Bond Market Ind...
by rkdlib
Mon Jun 18, 2012 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Thanks for sharing your recommendations for our investments. We really appreciate your time and talents. We’re retired and my husband is working a 1 yr contract job in SC. We have health insurance with this co. We live in an apartment and kept the house (paid for) in TX. Tax—Married filing jointly ...
by rkdlib
Mon Jun 18, 2012 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Rhonda, the back-of-the-envelope calculation I was talking about is exactly what JW nearly retired posted: EJ or another high-priced advisor will take half of your retirement income if you're using a 4% withdrawal rate. Vanguard, assuming you get an average expense ratio of 0.10% (reasonable for a ...
by rkdlib
Mon Jun 18, 2012 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

rkdlib , you want an AA of 50% stocks, 50% bonds, and didn't specify international, so I picked 30% of stocks in international. That breaks down to 35% US stocks, 15% international stocks, and 50% bonds. Here is a possible retirement portfolio: Joint taxable at Vanguard -- 28% 15% ( VGTSX ) Vanguar...
by rkdlib
Sat Jun 16, 2012 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Oh, one other note. I would be very wary about concentrating my bond holdings in a single corporate bond. GE is highly rated but not AAA, and as we've seen over the last few years, big companies can and do collapse. Consider selling the GE bonds and investing in a total bond index or similar. CDs, ...
by rkdlib
Sat Jun 16, 2012 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Rhonda, livesoft is right: rolling everything over to Vanguard will save you so much in fees and expenses that it will make a meaningful difference in your standard of living in retirement--or your ability to give to charity, or leave a bequest. Or all of the above. We're not talking about a small ...
by rkdlib
Sat Jun 16, 2012 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

... Desired Asset allocation is 50/50 for both Current portfolio is low 7 figures Joint Non IRA 28% Her IRAs 25% His IRAs 7% His 401K 40% ... Ditch Edward Jones. Move Her IRAs to one single fund: Vanguard Total Bond Market Index fund. Move His IRAs to one single fund: Vanguard Total Bond Market Ind...
by rkdlib
Sat Jun 16, 2012 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

Do you mean actively managed mutual funds? (Ugh) Or, is somebody actively managing your actively managed funds? (Double Ugh) Do you really own all those funds? Seems way too complicated. With so many funds you effectively own the entire market, so why not own the entire market for much less in fees...
by rkdlib
Sat Jun 16, 2012 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

In another recent post*, I think you wrote that you liquidated an IRA held at Edward Jones and that this IRA was now all cash. If that is true, what happened to that 'all cash'? If you want 50/50 bonds/stocks, can you tell us what you have right now? Is it 80/20? Or 30/70? Or something else? * I ha...
by rkdlib
Sat Jun 16, 2012 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

401K is 50/50 Joint Non IRA --I can't determine that because so much is grouped under MFs Probably 75% is MFs His Roth 62% Dividend paying stock, 20% MF, & 18% Bonds HIs IRA 95% MF & 5% ETF Her Roth 50% MF, 25% Stocks, 25% Bonds Her IRA 20% Bonds, 20% CD, and 60% cash Thank you again. Rhonda
by rkdlib
Sat Jun 16, 2012 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Help with investment planning

I did liquidate the funds in a EJ Advisory Solutions account and is in cash ready to invest. The 2 actively managed accounts are in EJ Advisory Solutions so we pay a monthly management fee on those.
Thank you again for your suggestions.
RHonda
by rkdlib
Sat Jun 16, 2012 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Help with investment planning

Thanks for sharing your recommendations for our investments. We really appreciate your time and talents. We’re retired and my husband is working a 1 yr contract job in SC. We have health insurance with this co. We live in an apartment and kept the house (paid for) in TX. Tax—Married filing jointly E...
by rkdlib
Sat Jun 16, 2012 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investment planning
Replies: 33
Views: 1927

Re: Rebalancing IRA funds

Do not keep the IRA at EJ. Roll it over to Vanguard or another provider of low-cost index funds, which you can do without tax or penalty. (Call the rollover department at Vanguard to get started.) You've already determined that you don't like the advice you get at EJ, and you'll pay heavily for it ...
by rkdlib
Wed Jun 13, 2012 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing IRA funds
Replies: 7
Views: 381

Re: Rebalancing IRA funds

Do not keep the IRA at EJ. Roll it over to Vanguard or another provider of low-cost index funds, which you can do without tax or penalty. (Call the rollover department at Vanguard to get started.) You've already determined that you don't like the advice you get at EJ, and you'll pay heavily for it ...
by rkdlib
Wed Jun 13, 2012 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing IRA funds
Replies: 7
Views: 381

Re: Rebalancing IRA funds

I agree with mamster. You've taken the first step. Look into the other threads about low-cost places to move your IRA, including some that will give you free transactions or cash (depending on asset level). Your IRA should work in concert will all your investments. I would recommend a full portfoli...
by rkdlib
Wed Jun 13, 2012 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing IRA funds
Replies: 7
Views: 381

Re: Rebalancing IRA funds

I agree with mamster. You've taken the first step. Look into the other threads about low-cost places to move your IRA, including some that will give you free transactions or cash (depending on asset level). Your IRA should work in concert will all your investments. I would recommend a full portfoli...
by rkdlib
Wed Jun 13, 2012 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing IRA funds
Replies: 7
Views: 381

Re: Rebalancing IRA funds

Do not keep the IRA at EJ. Roll it over to Vanguard or another provider of low-cost index funds, which you can do without tax or penalty. (Call the rollover department at Vanguard to get started.) You've already determined that you don't like the advice you get at EJ, and you'll pay heavily for it ...
by rkdlib
Wed Jun 13, 2012 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing IRA funds
Replies: 7
Views: 381

Rebalancing IRA funds

I have recently taken advise from this forum and liquidated my EJ Advisory Solution IRA . The funds are in my IRA account as cash. I need advise for re-allocating this cash in my IRA. I plan to keep it at EJ. I'm 62 and retired and have no debt. I receive a monthly pension and my husband is still wo...
by rkdlib
Tue Jun 12, 2012 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing IRA funds
Replies: 7
Views: 381

Re: Help determining expenses on a fund

Thanks again for all your help. You really explain and reference things I can understand.
by rkdlib
Thu Jun 07, 2012 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help determining expenses on a fund
Replies: 4
Views: 211

Help determining expenses on a fund

I went to money.cnn.com to look at expenses for the Vanguard Growth ETF VUG . When looking at the expenses, can someone tell me what the Average P/E of 17.7 indicates for VUG?
As always, thank you for your help.
by rkdlib
Thu Jun 07, 2012 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Help determining expenses on a fund
Replies: 4
Views: 211

Re: C shares in a mutual fund

Thanks everyone for your suggestions.
R
by rkdlib
Mon Jun 04, 2012 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: C shares in a mutual fund
Replies: 15
Views: 1449

C shares in a mutual fund

What are your opinions on buying C shares in a mutual fund? I understand that I can move within the same family fund without a sales fee, but a fee must be paid somewhere. What is the customary fee to buy Mutual funds and ETFs?
Also, are Vanguard funds actively managed?
Thanks again for your input.
by rkdlib
Fri Jun 01, 2012 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: C shares in a mutual fund
Replies: 15
Views: 1449

Re: Edward Jones Advisory Solutions account

Thanks everyone for your great suggestions. What are your thoughts about Gen. Obligation Bonds & MUNIs in and IRA?
by rkdlib
Tue May 22, 2012 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10164

General Obligation bonds and/or MUNIS

Can General Obligation bonds and MUNIS be in an IRA? Thanks for your help.
by rkdlib
Tue May 22, 2012 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: General Obligation bonds and/or MUNIS
Replies: 5
Views: 312

Edward Jones Advisory Solutions account

I'm considering putting my IRA in an actively managed Advisory Solutions account with EJ....any opinions, suggestions, etc? I will be charged a monthly fee of 1 +%. Thanks so much. Any suggestions for another firm to manage it that may charge less and still do a good job? I'm 62 and want to preserve...
by rkdlib
Tue May 22, 2012 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10164

Return to advanced search