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Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I'm sorry, but really need to know if electing to have a portion of an RMD distributed directly to charity reduces the amount of Gross income, or Adjusted Gross Income (AGI), as a tool to reduce income for the purpose of means testing. Here is an example of what I am trying to ask. Say my yearly pen...
by texasgal47
Sun May 12, 2013 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Naikansha, VERY helpful response, thank you. -- I will probably take your suggestion as that is a fit with my budgeting yearly charitable contributions. How would this strategy factor into decreasing federal tax Gross Income and AGI? I ask because if I can avoid including the $5000 as income it woul...
by texasgal47
Sat May 11, 2013 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Request Help with a Major Portfolio Overhaul

The Vanguard CFP recommended 50% stocks/50% bonds which was my own conclusion. :D Now on to finalize the other detains. He recommends 30% of stocks in international. Hmmmm, still have to look at the data. I may drift down to 22%. It seems to me international stock funds have a bad habit of big drops...
by texasgal47
Fri May 10, 2013 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Request Help with a Major Portfolio Overhaul
Replies: 16
Views: 1336

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

If one continues working at age 70 and beyond, and has savings in a 401K, RMDs do not have to be taken from the 401K plan until the year the individual stops working. However, for funds in an IRA, RMDs must be taken beginning at age 70 1/2 regardless of employment status.
by texasgal47
Fri May 10, 2013 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I'm 66 and my plan allows my to move all of the 401K now. The issue is the additional $5000 RMD from the 401K added on top of the other $30,000 RMD taken at age 70 1/2 bumps me into the tax bracket where more is taxed on SS and increased payments into Medicare and part D (prescription insurance). :a...
by texasgal47
Thu May 09, 2013 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Thank you for your responses but 50/50 feels like the sweet spot for my comfort level. The only issues on the table as far as I'm concerned are: 1. Should a small amount VG REIT index fund be included in the IRA? 2. Do I move the 401K while I am still working to VG or leave in place while I'm still ...
by texasgal47
Thu May 09, 2013 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Rick51, you have a good suggestion. I'll stay with the one I spoke with yesterday. Upon reflection, a complain to VG would be inappropriate on my part. I was pleased with the consult and that's what matters. Grayfox, I'm very close to retirement but have been struggling with the idea of increasing m...
by texasgal47
Thu May 09, 2013 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Fixed Income Asset Allocation

What has been the annual return on VG HYBond from 2001 to 2012? I ask this after reading that Rick Ferri recommends to his clients that they hold 60% TBM + 20% TIPS Bond Fund + 20% HY Bond Fund. That leaves me wondering how annual returns would compare over the past 12 years using these allocation t...
by texasgal47
Thu May 09, 2013 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Asset Allocation
Replies: 15
Views: 1493

Re: Deciding How Much to put in International

I believe the mongraph referenced above does speak about bands of approximate 10 yr. periods where different percentages of between 20% and 40% were optimal. If my recollection from the paper is correct, around 20% has been the current sweet spot for this cycle.
by texasgal47
Thu May 09, 2013 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 56
Views: 4819

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Well, bogleheads, it was an interesting meeting in more ways than one. Here's a recap: 1. The CFP who was scheduled "couldn't make it" (no explanation given). I was given the option to reschedule with the original CFP or to meet with the CFP who was on the line. It was my decision to conti...
by texasgal47
Wed May 08, 2013 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Request Help with a Major Portfolio Overhaul

Thanks Duckie for your additional comments and suggestion. Your clarity is always so helpful. Rick, I had already read that discussion you referred me to and will rethink my position on corporate bonds. Charts would be helpful, thank you. I've got to stop dithering and make some decisions. My appoin...
by texasgal47
Wed May 08, 2013 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Request Help with a Major Portfolio Overhaul
Replies: 16
Views: 1336

Re: What do I do with my gold profits?

Best of Both Worlds, I agree with your thought that it would have been better to have sold the gold and reinvested. This was my own sentiment earlier in this thread. Even with the huge run up, because of the long time frame, the current price did not reflect a large gain.
by texasgal47
Tue May 07, 2013 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1612

Re: Request Help with a Major Portfolio Overhaul

First I would like to begin by expressing my gratitude to all responders, but especially to LAlearning & Duckie for their astute rescommendations. Since I no longer have a spouse to bounce things off of this forum has been invaluable, in addition to the wisdom and education already dispensed my ...
by texasgal47
Tue May 07, 2013 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request Help with a Major Portfolio Overhaul
Replies: 16
Views: 1336

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I, the OP, will report back to forum Bogleheads on Wednesday what the VG CFP said re: the 20% bond allocation. He may personally believe that I need to leverage in the event of a true bond bubble. However, good points have been made here that emergency situations may require very large sums of cash ...
by texasgal47
Tue May 07, 2013 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Request Help with a Major Portfolio Overhaul

Thanks, Alearning, I edited my post to clarify. All stocks and bonds are in an IRA at VG, unless otherwise stated. All MMF are Non-IRA. Will review your recommendations tomorrow and respond. Much appreciation for your assistance. -- Texasgal
by texasgal47
Sun May 05, 2013 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request Help with a Major Portfolio Overhaul
Replies: 16
Views: 1336

Re: Request Help with a Major Portfolio Overhaul

Hi to all Bogleheads. I have to head out to catch up on some job related work but am eager for your recommendations--Will respond tomorrow. -- Thanks -- Texasgal
by texasgal47
Sun May 05, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request Help with a Major Portfolio Overhaul
Replies: 16
Views: 1336

Request Help with a Major Portfolio Overhaul

My portfolio was done 9 yrs. ago by a VG CFP and I'm meeting with a VG CFP next week. Portfolio size is 1.7M. $100,000 in gold coins is not being included in portfolio as haven't decided whether to keep or sell all of it. My portfolio is too complicated for my to appropriately manage. I definately n...
by texasgal47
Sun May 05, 2013 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Request Help with a Major Portfolio Overhaul
Replies: 16
Views: 1336

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Huh....no moneyman, I'm not, but I am an Aggie so that should explain the slip-up. If you're fromTexas, you would understand. Thanks for the laugh at my expense. :oops: Freebeer, no I haven't discussed portfolio goals with the VG CFP. Our first personal contact is next week. To be honest, I did not ...
by texasgal47
Thu May 02, 2013 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Thanks, gerrym51, I appreciate that info.
by texasgal47
Thu May 02, 2013 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I was referring to both the CDs and the Fidelity fund. I just watched a late 2012 MSNBC video clip of Jack Bogle where he recommends a tilt toward corporate rather than government bonds in this challenging bond environment.
by texasgal47
Thu May 02, 2013 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Wow, gerrym51, now you have my attention. It sounds worth my while to be a little less lazy.
by texasgal47
Thu May 02, 2013 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

A V. junk bond fund has done well by me, but Jack Bogle writes you might as well go will a lower risk stock fund, which makes sense to me, especially in today's bond climate.
by texasgal47
Thu May 02, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Scooter57, in light of your feedback regarding inflation risk on bonds over time, what do you think of Scott Burns' recommendation in his Margarita Portfolio of using V. inflation protected bond index fund vs. V. TBMF? He writes that he has gone with this for his personal portfolio.
by texasgal47
Thu May 02, 2013 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Well, I played with the Vanguard retirement plan calulator that Blues so graciously referred me to and found that basic stock/bond AA did not matter as far as my own retirement income is concerned. I halved the portfolio to $850,000, ran it out to 35 years, at 20% stock/80% bonds AA with no problem ...
by texasgal47
Thu May 02, 2013 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Thanks Blues, I definately will use the tool as seriously need some help with AA. I thought Age -20 was aggressive which would be 46% bonds.
by texasgal47
Thu May 02, 2013 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I just received my preliminary portfolio recommendations back from the Vanguard CFP on line last night. Even with a 1.8M portfolio, no debts and needing only 11,500/yr income stream within the next 1 to 4 yrs. from retirement at age 66, I never in my wildest dreams expected this AA from Vanguard. My...
by texasgal47
Thu May 02, 2013 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 7298

Re: Do you recommend that I sell my EE bonds?

Thanks to you Deepsea and Peter Foley, I may finally have it straight. One of my problems was that I have always used Savings Bond Calculator rather than Savings Bond Wizard. After downloading the Wizard today and plugging in several of my bond data, I can see that Wizard is also providing the perce...
by texasgal47
Wed May 01, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you recommend that I sell my EE bonds?
Replies: 9
Views: 898

Re: Do you recommend that I sell my EE bonds?

Hollowcave2, my apologies for being so dense. I read your reference on the Treasury Direct website. It states bonds purchased during that time period and now earning 0.65% and is compounded semiannually. So what interest am I currently earning for bonds purchased within that time period and then wit...
by texasgal47
Wed May 01, 2013 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you recommend that I sell my EE bonds?
Replies: 9
Views: 898

Re: Do you recommend that I sell my EE bonds?

Wow, I knew the Treasury made this type of adjustment but did not realize that it was made at the 17th year! In the face of this, it really is a no brainer. Thank you both for this valuable information. I really do appreciate your assistance. Savings bond calculator shows the first bond purchased ha...
by texasgal47
Wed May 01, 2013 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you recommend that I sell my EE bonds?
Replies: 9
Views: 898

Re: Do you recommend that I sell my EE bonds?

These figures were obtained by using the calculator on http://www.treasurydirect.gov and plugging in all of the exact bond information. I have not contacted the US Treasury to verify these figures. These are still held as paper bonds. To answer your other question, the funds would be reinvested the ...
by texasgal47
Wed May 01, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you recommend that I sell my EE bonds?
Replies: 9
Views: 898

Do you recommend that I sell my EE bonds?

I'm trying to tease out the smaller questions in my portfolio before addressing major portfolio questions on this forum. I'm early retirement age with a portfolio of over 1M and will only need a small portion of the portfolio for living expenses when I retire. I'm in a 25% tax bracket now and will c...
by texasgal47
Wed May 01, 2013 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you recommend that I sell my EE bonds?
Replies: 9
Views: 898

Re: What do I do with my gold profits?

A big shout out to all of you who took the time to respond, and your collective wisdom. Noobvestor hit the nail on the head when stating that I should get all in or all out with my gold. I had reached this conclusion on my own. In addition to this forum, I have spent time on the internet and reading...
by texasgal47
Sun Apr 28, 2013 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1612

Re: What do I do with my gold profits?

dbr, I do plan to discuss the issue of cost basis with my attorney. Vital, it would be nice to take this approach if gold were a fairly stable commodity, but it's not. $1500/oz. is not the true value of gold. Gold will at some point in time self-correct to about $600/oz. despite how high speculators...
by texasgal47
Fri Apr 26, 2013 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1612

Re: What do I do with my gold profits?

Noobverter, good questions. I've been in the "Gold is my diaster/inflation insurance policy" school for most of my investment life. The recent downturn in gold has nothing to do with my current change in attitude. In fact, it seems to be climbing back up, making up for some of it's recent ...
by texasgal47
Thu Apr 25, 2013 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1612

What do I do with my gold profits?

I'm redoing my porfolio and am seriously considering taking all my gold profits (coins) but many issues to consider. I don't need the money now or later but want to hedge my bets in a "safe" direction. At today's spot price, gold bullion represents 5% of my total investment portfolio. Amou...
by texasgal47
Thu Apr 25, 2013 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do I do with my gold profits?
Replies: 14
Views: 1612

Re: Portfolio Prep Questions

Duckie, thanks for your prompt response and especially for welcoming me to the forum. You certainly have made me feel welcome.
by texasgal47
Thu Apr 25, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Prep Questions
Replies: 4
Views: 241

Re: Portfolio Prep Questions

In Question #2, I would like to state the exact dollar amt. of my RMD at age 70 1/2 (in 4 years). For example, the initial RMD withdrawal is calculated to be $xxxx based on current IRA holdings. Is stating that exact $xxxx amount considered bad form on this forum?
by texasgal47
Thu Apr 25, 2013 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Prep Questions
Replies: 4
Views: 241

Portfolio Prep Questions

1. Should my allocation in Gold (coins) be calculated as a percentage of my investment portfolio for advice on this forum? I am unclear since the price is so volatile? 2. I know only general porfolio info regarding dollar amounts is requested (i.e., 7 figure porfolio), but one of my issues is my lar...
by texasgal47
Thu Apr 25, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Prep Questions
Replies: 4
Views: 241

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