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Re: Senior Years?

Lev
I agree. You nailed it.
woodedareas
by woodedareas
Mon Feb 25, 2013 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1463

Re: Senior Years?

Mitchell777. You are correct about selling the business. Yes I have been approached several times to sell the business and I seriously considered it. I turned it down as I really enjoy my profession and if I retired from it I would basically sleep in a chair all day. I was quite ill about 10 years a...
by woodedareas
Mon Feb 25, 2013 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1463

Re: Senior Years?

My comment about not having to take any risk at this time is that I own a company and I can work as long as my mind works. In this respect I can live very comfortably with my income from employment. I do not need to use any savings or IRA's. Although I would like to grow my savings I have no need to...
by woodedareas
Sun Feb 24, 2013 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1463

Senior Years?

I am 73 and my wife is 66, and we have been doing well by purchasing corporate bonds, CD's and a limited equity portfolio, mostly in IRA's. About everything has been called and we are sitting on 50% cash. I continue to work so I have an income and we receive social security, and compulsory withdrawa...
by woodedareas
Sun Feb 24, 2013 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1463

Index Funds or VTINX (Target Retirement Income)

I am 70 years old and after much research and a conversation with a Vanguard senior investment advisor I am about to use some of my IRA funds in the Target Retirement Income Fund (VTINX). It has an AA of about 70/30. I was previously considering simply using 70% in the Vanguard total bond index and ...
by woodedareas
Thu Dec 20, 2012 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Funds or VTINX (Target Retirement Income)
Replies: 7
Views: 1008

Re: Lost

Illinois is essentially bankrupt and I could not trust these folks to honor any commitment. They can not pay their bills and I doubt that anyone should have confidence that they would have the funds or the willingness to pay or refund a loss of this nature. The Illinois Insurance Commissioner is ver...
by woodedareas
Thu Nov 29, 2012 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1477

Re: SPIAs

Taylor First thank you for your advice. Is there any percent of my total portfolio that I should consider for a SPIA? Lost: Based on the information you provided, I agree with Peter that a single premium immediate annuity (SPIA) could be an excellent solution for your fear. SPIAs provide the largest...
by woodedareas
Mon Nov 26, 2012 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1477

Re: Lost

I had never really considered an SPIA, until this post. I guess my concern has been that I would be investing a lot of money and that perhaps the insurance company would go under which happened to me once with some life insurance. I live in Illinois and I can not rely on any agency of State governme...
by woodedareas
Mon Nov 26, 2012 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1477

Lost

I don't know if I am lost or simply scared about investing. I have been a recent follower of this forum and was about to invest at a AA of 70/20 (equities) and 10 cash. I am 72 and still working so I do not have to take any risk.However I have a substantial amount of cash that exists due to CDs and ...
by woodedareas
Sun Nov 25, 2012 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1477

Re: I bonds are deal now

Sorry for my ignorance but how do you get 1.75% return? I looked them up and if I read the chart correctly the return is 0 plus about .75 for inflation.
by woodedareas
Sun Nov 18, 2012 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: I bonds are deal now
Replies: 10
Views: 2595

Re: TIPS ladder in retirement

These are great charts. When I sort of have it figured out, I realize I ca not figure it out. I will have to side with low risk and low returns. Both charts pushe me to purchase individual corporate bonds even with longer maturities and with Highly rated companies.
by woodedareas
Sun Oct 07, 2012 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS ladder in retirement
Replies: 14
Views: 1302

[Portfolio help - deferring] Suggestions Following Election

I am rather heavy in cash and over 70. I have selected a asset allocation of about 70% and 30% but am to conservative to jump into it. II am doing nothing until after the election , but I have decided that I would like to invest in what i would refer to as fixed income with a goal of between 2% an 4...
by woodedareas
Sat Oct 06, 2012 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: [Portfolio help - deferring] Suggestions Following Election
Replies: 3
Views: 340

Re:

Rick, with all due respect, I must disagree with what you are saying. I understand that your advice is straight from the Diehard playbook, but this time it is different. If one were to consult with the 10 most respected authorities on the economy (you pick) all would say that this crisis is at leas...
by woodedareas
Sun Sep 23, 2012 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Tips on answering the question - What Should I Do?
Replies: 148
Views: 145406

Re: Tips on answering the question - What Should I Do?

I have read this thread several times and forgive me but the very concept of asset allocation must be re-examined during these times. Many readers probably believe the Bogle of general index investing into a few groups and generally i do not agree. But that is where we are in a different world today...
by woodedareas
Sat Sep 22, 2012 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Tips on answering the question - What Should I Do?
Replies: 148
Views: 145406

Re: Money Mag Article

After careful planning I thought I was moving forward with 70/30( bonds) in the Index Funds with some adjustment. I agree with Bernstein but now I am completely lost. I don't want any further risk now that I am over 70 but need a minimum of 4% preferably 5%. Should I continue on with my proposed inv...
by woodedareas
Sat Sep 01, 2012 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Mag Article
Replies: 74
Views: 13869

Re: most conservative AA

I was fascinated by all of these suggestions and they are worth considering as I am in the 70year category.It would be beneficial knowing the return each of these scenarios would generate under current conditions. I would have added one more factor and it is more procedural than economic. Don't make...
by woodedareas
Sun Aug 26, 2012 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: most conservative AA
Replies: 20
Views: 2304

[holding high bond allocation when interest rates rise]

Since I am new to this forum . I have a question that arose today with several friends of mine who are about 70 years old. If we have an assest allocations of about 70% in bonds and about 30% in equities and are using the index funds, what adjustment do we make when the economy improves and interest...
by woodedareas
Sun Aug 26, 2012 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: [holding high bond allocation when interest rates rise]
Replies: 24
Views: 2920

Re: Will the real Total Bond Index Fund please stand up?

I am following this discussion and my take is that regardless of the mix, and investor in an index fund really has no control other than to observe the market and accept the consequences. Then why wouldn't it make more sense to buy individual corporates with a promised return and highly rated, so yo...
by woodedareas
Fri Aug 24, 2012 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Will the real Total Bond Index Fund please stand up?
Replies: 30
Views: 5352

Re: I am 72

I was asked about my portfolio and asset allocation . I have about 80% in bonds. But they are all corporate bonds, rated about AA and provide a stepped return. They are mostly subject to call after one year. lately very few of these investments are available. I have never used a bond fund as it seem...
by woodedareas
Fri Aug 24, 2012 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2868

Re: I am 72

JOHNM You are correct about bond funds losing $ and inflation. It is for this reason I never purchased a bond fund but always purchased individual corporate bonds that were properly rated and paid a reasonable return. The bond index as recommended in these post seems as an alternative but must be am...
by woodedareas
Thu Aug 23, 2012 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2868

Re: I am 72

In terms of my taxable accounts I am in a high bracket so I am very sensitive to investments that will aid in reducing my taxes and thus my income. It may sound extreme but over the years I have invested for a safe and reliable return without regard to taxes. In this respect I am more concerned abou...
by woodedareas
Wed Aug 22, 2012 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2868

Re: I am 72

The 3 fund portfolio is very interesting. I own a small company and for decades managed the company retirement program. I invested very simply with the concept of a almost guaranteed return and no loss of principal. Some of the younger employees complained about my lack of attention to equities for ...
by woodedareas
Wed Aug 22, 2012 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2868

I am 72

I am new to Bogleheads and find it instructive. I am 72 and have invested without a specific asset allocation other than a very conservative approach. That is to not lose my principal. I would appreciate some suggestions on a combination of funds with about 65 to 70% in non equities. I hesitate to s...
by woodedareas
Tue Aug 21, 2012 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2868

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