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Thanks for the reply FinancialDave. You see, part of the reason I could go 100% equities on the risk scale is that my pensions + SS already give me almost an 80% fixed income allocation, I am also expecting a pension. I have 17 years in a State Retirement Fund, which as of a report at 12/31/2011 was...

Thanks for all the replies. 93% equity and you're worried about bond drama? Something doesn't add up. Perhaps the term "drama" was a poor choice of words. What "doesn't add up" is that I feel comfortable with a high equities allocation and maybe others don't. The main purpose of ...

Hi, I'm thinking of replacing my bond allocation with the 4% fixed account offered in my retirement plan. I've read lots about how interest rates can't go much lower and can't stay this low forever, so I'm considering sitting out the bond drama and grabbing 4%. Background: 15 years until retirement,...

DFWinvestor wrote: I was just baffled and I wanted to ask her what exactly she owned. Why didn't you ask her??? She most likely possesses a deed to her week(s) at her home resort. The closing process is roughly akin to what most are used to when transferring real property - a title search is perfor...

Most of the major Hotel chains now have what they call "Vacation Clubs". This is the new term for what used to be called Timeshares. I've attended a Vacation Club presentation in Orlando put on by a major hotel corporation. It took the full 3 hours. The salesperson had an ready answer for ...

Thanks for the thoughtful replies everyone. Good board we've got here.

My thinking is that by moving funds that are taxed (especially if I can tax harvest) then if they appreciate they will not be taxed.

Synergy - can you explain in more detail your tax harvesting plan? Thanks!

Hi, I'm interested in some feedback about the concept of selling non-retirement mutual funds in order to fund Roth IRA contributions. Basic background info: mid-40's married couple, solidly middle-class, currently contributing 20% of gross pay to retirement; Both spouses max'd on job related retirem...

You are going to love the HOF. Great little town as well. Make sure you spend an afternoon in Skaneateles. About 1 hr from Ithaca. That time of year in CNY (Central New York) is very nice. Lots of apple picking choices. Oct 8th & 9th: Lafayette Apple Festival Niagara Falls - absolutely stay on t...

If you have the Vanguard Total International Stock Index Fund, why do you need those other international funds?

I have been ramping up my international exposure.

The Vanguard fund is being used for Roths, the other funds are through my retirement plan at work.

OK, I stand corrected.

The 2 managed funds I was referring to, Templeton Growth & Hartford Inter Opportunities, both are up 2 - 3% YTD.

Sorry for the wild goose chase.

As a longtime lurker, so much for my first post to this board.....

Thanks for the replies.

Vanguard Total International Stock Index Fund ( VGTSX) is only up .56% YTD. My other managed international mutual funds are up around 10% or more YTD. It's Emerging Market exposure is almost 25%. I'm at a loss to explain why the performance isn't more impressive in 2010. Any ideas? TIA, SyrDave