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Help with Bond allocation/fund choices

My current dilemma is what bond funds to choose from in my 401K fund. My percentage allocation overall is: 45% US Stock Funds 20% International Funds 5% REITS 5% Precious Metals 25% Bonds All of my investments are in a 401K (American Funds) and IRA's at Vanguard. Due to the relative size of each acc...
by undbulsu
Sat Aug 10, 2013 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Bond allocation/fund choices
Replies: 2
Views: 299

Help with Bond Allocation

401K plan at work has changed to American Funds and as such I have to re-allocate the bond portion of my portfolio. And despite reading as much as I can, bonds are an enigma. Quick Background Emergency Funds for 4 months, Married with 2 kids, No debt other than mortgage, Top tax bracket. Approaching...
by undbulsu
Thu Feb 14, 2013 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Bond Allocation
Replies: 2
Views: 524

The Upromise credit card will be switching to BOA and will

pay 1% on all purchases with no limit. Up to 10% depending on where you shop and for what products. In the past, the card was with Citi and it only paid on the first 3K of purchases.. The other key to maximizing your return is to shop online through the upromise website.
by undbulsu
Sun Feb 15, 2009 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: upromise.com
Replies: 18
Views: 6049

Time to rebalance, and I have a question.

I usually rebalance when one of my asset classes gets 5% out of my designated level. Currently that is US STOCKS 40% INTERNATIONAL 25% BONDS 30% REIT 5% If I follow my rules I need to sell some VIPSX and buy international funds Is this the wrong time for that move? I'm not trying to time the market,...
by undbulsu
Wed Sep 17, 2008 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Time to rebalance, and I have a question.
Replies: 1
Views: 491

What is the primary determining factor for the NAV of VIPSX?

I understand this may be a naive question, but its puzzling to me how TIPS gain or lose value on a daily basis. I understand the calculation for a stock fund (value of stocks fluctuate daily), but TIPS are only sold at certain times. Is it the secondary market for TIPS? Does it fluctuate with the CP...
by undbulsu
Mon Mar 17, 2008 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the primary determining factor for the NAV of VIPSX?
Replies: 2
Views: 870

Help needed on asset allocation.

All money in tax sheltered accounts. My IRA (Vanguard), Wife's IRA (Vanguard) and my deferred compensation plan at work (Hartford). I treat all three as one account and try to keep the following asset allocation: US Large Market 10% US Large Value 15% US Small Market 5% US Small Value 10% Internatio...
by undbulsu
Tue Mar 04, 2008 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed on asset allocation.
Replies: 1
Views: 515

Have you considered purchasing a home defibrilator?

If you do have "the big one", the most important treatment is immediate carudioversion with a defibrillator. If I were in your shoes, I would purchase a home defibrillator, make sure my wife and family know basic CPR and how to use the defibrillator.
by undbulsu
Fri Sep 28, 2007 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I spend money to move closer to a cardiac hospital?
Replies: 34
Views: 7986

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