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Re: Should I simplify my Vanguard Portfolio?

Dear Bertilak & Dandy, Thank you for your very comprehensive answer. I really appreciate the time and thought that went into your reply. You are absolutely right that simplicity is a value of your overall plan. And I also agree that I am probably guilty of trying to tweak the portfolio a few poi...
by vtanzi
Sun Dec 01, 2013 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my Vanguard Portfolio?
Replies: 7
Views: 1510

Should I simplify my Vanguard Portfolio?

Emergency funds: 16 months Debt: None Tax Filing Status: MFJ Tax Rate: 28% Federal, 7% State State of Residence: DC Age: early 40s Portfolio Size: Low 7 figures Business & Real Estate Investments: Low 8 Figures I currently have 3 portfolios: (1) (Merrill Lynch where my financial advisor manages ...
by vtanzi
Sat Nov 30, 2013 4:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my Vanguard Portfolio?
Replies: 7
Views: 1510

Re: Pay off my mortgage or invest more each month?

I would do both---I did that for the past 5 years. Paid off our mortgage in March and I don't care what anyone says having that new free cash and a paid off mortgage is very liberating. Remember when you invest there is no guarantee if it will go up or down but when you pay off a mortgage its certai...
by vtanzi
Sun Jun 30, 2013 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off my mortgage or invest more each month?
Replies: 33
Views: 2798

Re: Bond Diversification needed?

I have the same concerns--If I were you given your age --I would only be in a very short term bonds or the Vanguard GNMA fund. Bonds have been on an upswing for 30 years---moreover interest rates can only go up which will crush bonds. Please define "crush bonds". How risky do you think bo...
by vtanzi
Sat Feb 23, 2013 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Diversification needed?
Replies: 11
Views: 823

Re: Portfolio Tune-Up Please?

I would not touch the TBM--the average duration of the bonds if 6+ years. Bonds are very risky right now so if you need bonds I would go with a shorter duration bond fund or TIPS I wanted to ask for some advice as I tune-up my portfolio: Her's my previous post: http://www.bogleheads.org/forum/viewto...
by vtanzi
Sat Feb 23, 2013 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tune-Up Please?
Replies: 4
Views: 367

Re: Bond Diversification needed?

I have the same concerns--If I were you given your age --I would only be in a very short term bonds or the Vanguard GNMA fund. Bonds have been on an upswing for 30 years---moreover interest rates can only go up which will crush bonds.
by vtanzi
Sat Feb 23, 2013 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Diversification needed?
Replies: 11
Views: 823

Re: Bond Version of Portfolio

I currently have 40% of my Portfolio in the (Vanguard Total Bond Market Index I VBTIX) fund. I am worried about interest rates going up which will decrease the value of bonds. Therefore, I was thinking of purchasing the 2 bonds below and selling the total bond fund which I feel because of its holdi...
by vtanzi
Sun Feb 10, 2013 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Version of Portfolio
Replies: 9
Views: 720

Re: Bond Version of Portfolio

I currently have 40% of my Portfolio in the (Vanguard Total Bond Market Index I VBTIX) fund. I am worried about interest rates going up which will decrease the value of bonds. Therefore, I was thinking of purchasing the 2 bonds below and selling the total bond fund which I feel because of its holdi...
by vtanzi
Sun Feb 10, 2013 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Version of Portfolio
Replies: 9
Views: 720

Bond Version of Portfolio

I currently have 40% of my Portfolio in the (Vanguard Total Bond Market Index I VBTIX) fund. I am worried about interest rates going up which will decrease the value of bonds. Therefore, I was thinking of purchasing the 2 bonds below and selling the total bond fund which I feel because of its holdin...
by vtanzi
Sun Feb 10, 2013 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Version of Portfolio
Replies: 9
Views: 720

Re: Basic bond question ...

Both are quite low risk, low reward in the world of investing. But the TIPS is even lower risk, and lower reward. This isn't exactly true and another Boglehead will hopefully give you the nitty gritty details. I would be more cautious calling bonds low risk---bonds have undergone 3 decades of growt...
by vtanzi
Sat Feb 09, 2013 5:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Basic bond question ...
Replies: 10
Views: 1284

Re: Do we need a Will/Trust if all assets at Vanguard ?

Do we need an estate plan such as a Will or Trust if all our assets are in Vanguard with up-to-date beneficiary designations ? We are married and currently retired. We have no children. Is it true that a Will is mostly for personal possessions like a vehicle, house and its contents ? YES YES YES---...
by vtanzi
Fri Feb 08, 2013 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we need a Will/Trust if all assets at Vanguard ?
Replies: 25
Views: 2101

Re: Just Maxed Roth, What Now?

Okta, If you do buy in with $6000 in VTSMX when you carry a balance of over $10k Vanguard will change you to Admiral shares and the lower ER. One thing to think about is how much US equities is in your ISP. The 2050 fund will have a significant amount in it. That could make your overall amount high...
by vtanzi
Wed Feb 06, 2013 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Maxed Roth, What Now?
Replies: 6
Views: 838

Re: Beginner - Scottrade funds

Default User BR wrote:The cart is way before the horse. Start with this:

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212


Brian


Totally agree--you need to understand why you are buying various funds, allocation etc
by vtanzi
Thu Jan 31, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner - Scottrade funds
Replies: 5
Views: 636

Re: Portfolio Review

I might add a Vanguard Small Cap or REIT into your mix.
by vtanzi
Thu Jan 31, 2013 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 11
Views: 1320

Re: Get out of Vanguard Bond Fund (VBILX)?

Hi All: this is my first post; I've read and enjoyed the forum entries over the past year or so. Here is my question: I have (what to me is) a good deal of money in the Vanguard intermediate bond fund VBILX. The NAV has been tanking lately, and I wonder if I should get out now (with about what I pu...
by vtanzi
Thu Jan 31, 2013 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Get out of Vanguard Bond Fund (VBILX)?
Replies: 14
Views: 2324

Re: First time poster : feedback on my investment decisions?

Buying 2 Condos does not make sense when you have 100K in a Home Equity Loan---if you want financial freedom pay off your debts--I do not get keep 220K in cash but having a 100K Home Equity and a 300+ mortgage. Have you taken into account HOA fees, property tax, repairs, etc etc etc. I think you mi...
by vtanzi
Wed Jan 30, 2013 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: First time poster : feedback on my investment decisions?
Replies: 8
Views: 663

Re: First time poster : feedback on my investment decisions?

Buying 2 Condos does not make sense when you have 100K in a Home Equity Loan---if you want financial freedom pay off your debts--I do not get keep 220K in cash but having a 100K Home Equity and a 300+ mortgage. Have you taken into account HOA fees, property tax, repairs, etc etc etc.
by vtanzi
Wed Jan 30, 2013 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: First time poster : feedback on my investment decisions?
Replies: 8
Views: 663

Re: Should we pay down our mortgage?

What I would do is refinance and get a 15 year fixed Mortgage--this will take 15 years off your mortgage--then pay some extra each month to the mortgage but keep on investing in all your taxable and non-taxable accounts.
by vtanzi
Sun Jan 20, 2013 5:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we pay down our mortgage?
Replies: 20
Views: 2058

Re: How many asset types do you use?

[quote="nedsaid"]Ditto Total Stock Index.
Ditto Small Value Index.
Ditto REIT Index.
Ditto Total Bond Index.
Ditto I Bonds.

in my opinion Total Bond, Total International, REIT, SMALL Cap, Large Cap if you are very conservative remove Small Cap
by vtanzi
Sun Jan 20, 2013 5:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How many asset types do you use?
Replies: 10
Views: 786

Re: Using REITs in a lazy portfolio

Very interesting your take on REITs--I had the same question and was interested in adding a REIT--thank you After months of research including ~ 20 books and countless studies, articles, and history lessons my portfolio is modeled on Swensen's portfolio and is: 30% S&P 500 25% REIT 15% Internati...
by vtanzi
Wed Jan 16, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using REITs in a lazy portfolio
Replies: 24
Views: 2441

Re: Vanguard Roth 401K

Thank you so much for that explanation. I think you are right the 401K is best option for me. Really appreciate your comment.
by vtanzi
Thu Jan 10, 2013 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth 401K
Replies: 2
Views: 289

Vanguard Roth 401K

I am interested in learning more about Roth 401K vs. SEP IRA options. Vanguard is very unique in having a Roth 401K. I have a small business just me and my business partner--no employees and less than $250K in profit. I have maxed out my Roth IRA with $5500 but wanted to be able to save more in a no...
by vtanzi
Thu Jan 10, 2013 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth 401K
Replies: 2
Views: 289

Re: Rebalancing Question

Dear Bertilak, Thank you those are great points. I have really noticed the efficiency of my Vanguard accounts and I am trying to move my other accounts into Vanguard because of low fees, diversification and simplicity. I had my accounts managed at Merrill. My manager is retiring so I am now taking o...
by vtanzi
Thu Jan 10, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 6
Views: 349

Re: Rebalancing Question

John,

Thanks--I have updated my post

VLT
by vtanzi
Thu Jan 10, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 6
Views: 349

Re: Rebalancing Question

Dear Bertilak, Thank you--those are great questions that I need to reflect on. I also did not realize that a total stock fund has a REIT included even at 3%. It seems my portfolio has developed a Small Cap Tilt thru appreciation in prices. I do not think I want more bonds than the Total Bond Fund. T...
by vtanzi
Thu Jan 10, 2013 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 6
Views: 349

Re: Pay off mortgage sooner or invest in taxable funds?

I would try to do both depending on your mortgage something like $200-300 for mortgage and the remaining for investment--if you can make 1 additional principal payment on your mortgage per year (26 Payment Plan) it will reduce your mortgage by about 7.5 years. You will need to see if your mortgage c...
by vtanzi
Thu Jan 10, 2013 7:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage sooner or invest in taxable funds?
Replies: 28
Views: 3018

Rebalancing Question

Emergency funds: 1 Year + Debt: 140K left on Mortgage 15 Year Fixed will be paid off in 5 Years Tax Filing Status: Married Filling Jointly Tax Rate : 0 Live Overseas and I am tax exempt on first 92K State of Residence: 0 Age : 40 Desired Asset allocation : 75% stocks / 25% bonds Desired Internation...
by vtanzi
Thu Jan 10, 2013 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 6
Views: 349

Try Paytrust.com --Fantastic Service--Have used them for 10 years--just perfect
by vtanzi
Fri Mar 11, 2011 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Bill Payment and Security
Replies: 26
Views: 3013

Great Article--thank you
by vtanzi
Wed Mar 09, 2011 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Vanguard. What Makes Them Unique"
Replies: 33
Views: 6026

Foreign income exclusion

Do not forget that you will not pay taxes on the first 92k of income as long as you meet the bona Fide residence test
by vtanzi
Fri Mar 04, 2011 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving to Singapore... how should I invest?
Replies: 5
Views: 1078

Have you taken a look at Seeking Alpha, Jason Kelly's Newsletter, Dividends4Life, Dividendsvalue,
by vtanzi
Thu Mar 03, 2011 5:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Newsletters, magazines, advice - Individual stocks
Replies: 26
Views: 2189

I don't plan to work off the books indefinitely but right now I have no choice. When I can find a better opportunity I will take it. I went from being excited to feeling very down about this now. This isn't the first investment book I've read btw and actually a few years ago took and passed the ser...
by vtanzi
Wed Mar 02, 2011 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introducing myself and in need of opinions.
Replies: 104
Views: 5384

Re: Vanguard

All investments have risk--if you want income you need to expose yourself to some risk--the point is to give ideas and the individual should evaluate the risk of the investment given their own circumstances and tolerance for risk. How about Vanguard Dividend Growth or Vanguard Total Bind Relatively ...
by vtanzi
Tue Mar 01, 2011 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: which funds to generate income
Replies: 13
Views: 2119

Vanguard

How about Vanguard Dividend Growth or Vanguard Total Bind
by vtanzi
Tue Mar 01, 2011 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: which funds to generate income
Replies: 13
Views: 2119

Vanguard Suggestions

I personally like the following index funds Vanguard Total Market Vanguard Total Bond Vanguard Total International Vanguard Total Small Cap It is a simple portfolio that covers everything. Too many people end up suggesting in this forum 10-15 mutual funds in. I just think keeping simple works and ea...
by vtanzi
Tue Mar 01, 2011 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to invest in my first mutual fund!
Replies: 13
Views: 1592

Thanks

I am not sure why Vanguard and Morningstar do not have an iPad app
by vtanzi
Sun Feb 27, 2011 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Merrill Edge/My Merrill iPad app
Replies: 3
Views: 1024

Current Vanguard Portfolio

Emergency funds = 12 months Debt: Mortgage 300K left (Home Value 1.1 million) Other Real Estate: 1.7 Million Etrade Account (Dividend Stocks Only): 150K Merrill Lynch Account: 300K Vanguard: 70K Tax Filing Status: Married filing Jointly Age: 40 Vanguard Total Bond Mkt Index Inv 18.5% Vanguard Divide...
by vtanzi
Sun Feb 27, 2011 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard Portfolio
Replies: 2
Views: 824

Simple Portfolio

Vanguard Total Bond
Vanguard total Small Cap
Vanguard Total International
Vanguard Dividend Growth
by vtanzi
Sat Feb 26, 2011 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help simplify. Thank you in advance.
Replies: 22
Views: 3414

Thank you

Really want to thank everyone for the replies. I really appreciate it
by vtanzi
Tue Feb 08, 2011 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond vs. Wellesly Income
Replies: 8
Views: 1963

Vanguard Total Bond vs. Wellesly Income

I currently have the Vanguard Total Bond in my Vanguard Portfolio--I was thinking of switching it to the Wellesly income because the yield is slightly higher with more potential for appreciation in price. Thoughts?
by vtanzi
Tue Feb 08, 2011 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond vs. Wellesly Income
Replies: 8
Views: 1963

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