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Re: Annual Portfolio Review--Feedback Wanted

Thank you, deikel. This is very helpful. I hadn't thought of buying bonds directly. Can that be done inside of a Vanguard IRA?
by tr123
Tue Mar 25, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Review--Feedback Wanted
Replies: 2
Views: 393

Annual Portfolio Review--Feedback Wanted

Greetings Bogleheads-- This is the third year I've asked you to review my portfolio. I am very grateful for the advice I've gotten in the past. I think I finally get how to do the accumulation phase--ironically just as I'm preparing to enter the distribution phase. So now I get to learn about that. ...
by tr123
Tue Mar 25, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Review--Feedback Wanted
Replies: 2
Views: 393

Re: Inheriting money, then leaving it to your kids

I selected "Other--please explain in comments." Would look at constructing portfolio to preserve as much capital as possible in the distribution phase so that it can be passed on. However, not at the expense of a comfortable lifestyle for my remaining years. Net result would likely be to l...
by tr123
Tue Feb 25, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 1929

Where to put cash needed in one year

I have about 100K that I will need in just over a year when I sell my condo and buy a house. It is now in the bank earning less than 1%. Is there a place to put it for a year where it will earn better interest?
by tr123
Sun Nov 17, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put cash needed in one year
Replies: 8
Views: 1240

Re: Warren Buffett: Top 3 investment mistakes to avoid

I realize this is off this topic and probably discussed a lot in other threads, but I was curious about the following: ...many don't agree with Jack when it comes to not needing international and using your future social security as part of your fixed income allocation Does the "not" carry...
by tr123
Mon Oct 28, 2013 12:52 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett: Top 3 investment mistakes to avoid
Replies: 18
Views: 3831

I stick with plan, yes?

While the stock market has been rising, my bond funds (CREF Bond Market and CREF TIPS) are getting hammered. Even though I'm 65-35 Stocks-Bonds, it seems that the decline in the bond funds has wiped out any gains on the equity side. So I just hang tight and rebalance annually, yes?
by tr123
Sat Jun 08, 2013 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: I stick with plan, yes?
Replies: 2
Views: 330

Re: Exchanging US and Canada Dollars

Thank you all for these tips. And Lady Geek--you anticipated my next question. Thanks for the resource.
by tr123
Tue May 14, 2013 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Exchanging US and Canada Dollars
Replies: 9
Views: 419

Re: Exchanging US and Canada Dollars

We do exchange with each other when possible. But my GF does not have very much $, and there are times I need to buy more Canada dollars than she can get for me. So, again, my question--how do I get the best rate and avoid fees? Does a credit card that doesn't charge a currency conversion fee give t...
by tr123
Tue May 14, 2013 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Exchanging US and Canada Dollars
Replies: 9
Views: 419

Exchanging US and Canada Dollars

I live in the U.S. My girlfriend lives in Canada. Eventually we will live together in Canada. With all our cross border visits, we are constantly exchanging one currency for the other. We actually try to avoid exchanging as much as possible as it seems we pay fees in both directions. My question: Wh...
by tr123
Tue May 14, 2013 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Exchanging US and Canada Dollars
Replies: 9
Views: 419

Traditional IRA Contribution and AGI Question

I am changing jobs mid-year. Tax-wise it will be to my advantage in 2013 to contribute to a Traditional IRA instead of a Roth. The AGI deduction limit is < 59K if covered by a retirement plan at work, or no limit if not covered by a retirement plan at work. My old job--retirement plan. My new job --...
by tr123
Thu May 09, 2013 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Contribution and AGI Question
Replies: 3
Views: 189

Deciding How Much to put in International

What are the considerations when deciding what percentage of one's stock holdings to allocate to international stocks?
by tr123
Thu May 09, 2013 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciding How Much to put in International
Replies: 56
Views: 4833

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

I'm a Boglehead who believes in the simple portfolio approach (TSM, TISM, and TBM), yet I do own some individual stocks. I am a railroad buff. Less than one per cent of my portfolio is in what I call my railroad index. 10 shares each of CNI, CP, NSC, CSX, KSU, PRRR, GWR, PWX, UNP, and BRK.B. The BRK...
by tr123
Mon May 06, 2013 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 86
Views: 6763

Advice Wanted: Which Bond Fund in a Lazy Portfolio?

I have restructured and simplified with advice I received here recently. I still have one question. 59 yrs old Portfolio is high six figures: 52% Vanguard Total Stock Market (VTSAX) (this is spread out among Roth IRA, Rollover IRA, and taxable account) 10% Vanguard Total International Stock (VISAX) ...
by tr123
Sun Apr 14, 2013 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Wanted: Which Bond Fund in a Lazy Portfolio?
Replies: 6
Views: 1560

Re: Annual Portfolio Review + Need Advice on Vanguard Bond F

Thanks Grt2bOutdoors-- Yes, I am aware of the AAPL problem. It exists because I had a lot more individual stocks and have been slowly selling them off in order to adopt an AA lazy portfolio strategy and not worry about timing any more. The AAPL is most of what's left. Unfortunately I didn't sell whe...
by tr123
Tue Apr 09, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Review + Need Advice on Vanguard Bond Funds
Replies: 2
Views: 515

Annual Portfolio Review + Need Advice on Vanguard Bond Funds

Greetings Bogleheads-- Last year I posted my first portfolio review and received much valuable advice from readers. Thanks to your suggestions, I've put my plan into place, and now I think I've simplified things greatly. I'm changing jobs this year, resulting in fewer options for contributing to tax...
by tr123
Tue Apr 09, 2013 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Review + Need Advice on Vanguard Bond Funds
Replies: 2
Views: 515

Re: Portfolio Restructuring Advice Wanted

Duckie wrote:Is this from a former job? Can you roll it into an IRA now?


Yes, I can roll this over into my Vanguard Traditional IRA, which I plan to do and then use the allocation you suggested. Thanks.
by tr123
Sun Apr 15, 2012 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Restructuring Advice Wanted
Replies: 8
Views: 592

Re: Portfolio Restructuring Advice Wanted

Im new.. Please help me out with some of the abbreviations used by duckie..thanks TIAA-CREF = a financial services company providing retirement plans to teachers in private schools. TISM = Total International Stock Market (Vanguard fund) REIT = “real estate investment trust”, a mutual fund that inv...
by tr123
Fri Apr 13, 2012 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Restructuring Advice Wanted
Replies: 8
Views: 592

Re: Portfolio Restructuring Advice Wanted

Thanks, Ducky. You're the 2nd person (out of two) to suggest international is too low. I will look at that. The first 403b is part of the state teacher retirement program and there are no options for other funds, unless I roll it over into an IRA. No new money is going into it.
by tr123
Thu Apr 12, 2012 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Restructuring Advice Wanted
Replies: 8
Views: 592

Re: Portfolio Restructuring Advice Wanted

Thank you, Brian. This is very helpful. Any opinion on the following?: 1.) Vanguard Total Intl Stock Index VGTSX -- best placed in a taxable account or tax-deferred? 2.) Best bond fund out of these three for a simple portfolio-- * Intermediate-Term Bond Index VBIIX * Inflation-Protected Securities V...
by tr123
Thu Apr 12, 2012 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Restructuring Advice Wanted
Replies: 8
Views: 592

Portfolio Restructuring Advice Wanted

Greetings, Bogleheads. I posted a question earlier about bond strategy. I realized from the thoughtful responses I received that I needed to give a more complete picture of my situation. I am very grateful for this opportunity to ask your advice on restructuring my portfolio. I hope I have followed ...
by tr123
Thu Apr 12, 2012 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Restructuring Advice Wanted
Replies: 8
Views: 592

Re: Rebalancing Advice Wanted

Thank you. This is very helpful. The article is especially helpful. I realize my initial assumption--that I could find a bond fund more tax-friendly than others--failed to take into account that in general bond funds are less tax friendly than stock index funds. To be sure I fully understand, is thi...
by tr123
Tue Apr 03, 2012 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Advice Wanted
Replies: 7
Views: 481

Rebalancing Advice Wanted

My portfolio is in the high six figures, divided almost 80% in tax-deferred accounts and the rest in taxable accounts. The overall asset allocation is 75% stocks, 25% bonds. At age 58 I'm thinking that that allocation is a tad too aggressive. I'd like to go 65-35 or 60-40. All but 15% of my portfoli...
by tr123
Mon Apr 02, 2012 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Advice Wanted
Replies: 7
Views: 481

Effect of Capital Gains Tax on Other Income

I've done very well buying individual stocks the last four years (e.g. bought Apple at 150). I'm now going to quit while I'm ahead and sell most of my holdings and put the proceeds into my lazy portfolio. I know that long term capital gains is taxed at a maximum of 15%. My question is this: If I hav...
by tr123
Wed Mar 28, 2012 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Effect of Capital Gains Tax on Other Income
Replies: 7
Views: 1001

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