Search found 62 matches

by 1x85zn
Sun Aug 21, 2016 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: 72 with a risky portfolio - looking for advice
Replies: 10
Views: 1011

Re: 72 with a risky portfolio - looking for advice

It's also very important to keep in mind that the actual distributions that are paid out are based on both the SEC yield and the NAV. The NAV being your principal in this equation. If the NAV of the fund goes down, the distribution goes down, even if the yield remains the same. You can compare VWIA...
by 1x85zn
Sun Aug 21, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: 72 with a risky portfolio - looking for advice
Replies: 10
Views: 1011

Re: 72 with a risky portfolio - looking for advice

No, Vanguard Wellesley won't pay similar dividends, but since the NAV is much more stable, so you could sell shares to achieve the same level of income. You could probably pair it with the Vanguard High Yield Corporate fund to get a higher yield. In order for the Franklin funds to get a higher yiel...
by 1x85zn
Sun Aug 21, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: 72 with a risky portfolio - looking for advice
Replies: 10
Views: 1011

Re: 72 with a risky portfolio - looking for advice

You also said that he's looking for this to provide monthly income? How much monthly income does he need this to provide? $1000/mo or so. Which hes getting now through dividends not reinvested. The bonds held in these funds are non-investment grade bonds. That means they are far riskier than tradit...
by 1x85zn
Sun Aug 21, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 72 with a risky portfolio - looking for advice
Replies: 10
Views: 1011

72 with a risky portfolio - looking for advice

Hello Bogleheads, I'm trying to help a gentlemen understand his portfolio and possibly move to the Vanguard platform. Stats: Emergency funds: 12+ Months Debt: 0 Tax Filing Status: Single Tax Rate: Unknown, but in the lower brackets as he's retired. State of Residence: NY Age: 72 Desired Asset alloca...
by 1x85zn
Fri Nov 13, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired person living off pension looking to invest for the first time
Replies: 18
Views: 2367

Re: Already retired person living off pension looking to invest for the first time

Thank you for this bit of information regarding "Irrevocable Burial Trust". We have one in the form of a checking account. She currently has GHI for insurance which is several hundred per month. Because of her medical condition we’re afraid to switch to Medicaid as its very complex. We wi...
by 1x85zn
Thu Nov 12, 2015 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired person living off pension looking to invest for the first time
Replies: 18
Views: 2367

Re: Already retired person living off pension looking to invest for the first time

She is very nervous when comes to volatility (as a new investor) but loves the bogleheads concept. Sounds like something with a low stock percentage should be considered. Perhaps Vanguard's Target Retirement Income Fund or LifeStrategy Income Fund. This is assuming she is interested in stocks at al...
by 1x85zn
Thu Nov 12, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired person living off pension looking to invest for the first time
Replies: 18
Views: 2367

Re: Already retired person living off pension looking to invest for the first time

OK, you've helped explain her situation a lot. If she is looking to invest for 10 to 15 yrs before using it, then an asset allocation (AA) with some stocks should be OK. A conservative asset allocation might be best because of her health. She could use one of the fund of funds, like the Vanguard Ta...
by 1x85zn
Wed Nov 11, 2015 2:29 am
Forum: Investing - Help with Personal Investments
Topic: Already retired person living off pension looking to invest for the first time
Replies: 18
Views: 2367

Re: Already retired person living off pension looking to invest for the first time

Here are her stats: With this situation in mind how would you advise? I don't think you give enough information for anyone to give advice. If she has no earned income, does she have a taxable account that she's living off of? Is she able to draw from her pension at age 53? If not, when? Does the pe...
by 1x85zn
Wed Nov 11, 2015 2:25 am
Forum: Investing - Help with Personal Investments
Topic: Already retired person living off pension looking to invest for the first time
Replies: 18
Views: 2367

Re: Already retired person living off pension looking to invest for the first time

It would be good for her to read one of the Bogleheads books if she has not already read one. http://www.amazon.com/s/?search-alias=aps&tag=bogleheads.org-20&field-keywords=Bogleheads Trying to figure out would be best would be hard do so since we don't know much about here like her tax bra...
by 1x85zn
Tue Nov 10, 2015 11:04 pm
Forum: Forum Issues and Administration
Topic: Posted several years ago, looking for more investment advice. Getting an error message. How do I get around it?
Replies: 1
Views: 850

Posted several years ago, looking for more investment advice. Getting an error message. How do I get around it?

Hi Bogleheads, I posted for advice a few years ago. I want to do it again as a new thread for a parent who is disabled. How do I go about this? Im getting an error message saying im posting 'too soon'
by 1x85zn
Tue Nov 10, 2015 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired person living off pension looking to invest for the first time
Replies: 18
Views: 2367

Already retired person living off pension looking to invest for the first time

Here are her stats: Emergency Fund: Yes, 6 months of living expenses. + Future funeral expenses for her parent. Debt: $0 [student loans were forgiven, home paid off this year, car paid off]. Tax Rate: N/A Age: 53 Desired Allocation: N/A [this is where we need help] Long story short, she has 0 debt a...
by 1x85zn
Tue Mar 04, 2014 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Re: Disabled parent looking to invest for the first time

Thank you, yes, we're aware of the huge bill coming!
by 1x85zn
Tue Mar 04, 2014 3:02 pm
Forum: Personal Consumer Issues
Topic: Is it possible to sign up for vanguard online?
Replies: 8
Views: 3128

Re: Is it possible to sign up for vanguard online?

Just wondering if the site is having a technical issue or if its something that plans on getting resolved. Thanks.
by 1x85zn
Mon Mar 03, 2014 11:16 pm
Forum: Personal Consumer Issues
Topic: Is it possible to sign up for vanguard online?
Replies: 8
Views: 3128

Is it possible to sign up for vanguard online?

I've been trying to help people enroll in Vanguard.com, but the registration links gives an error: "We are unable to register you for online account access. Please contact us by phone for assistance." Does anyone know if there is a workaround or if calling vanguard is the only solution?
by 1x85zn
Thu Feb 27, 2014 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Re: Disabled parent looking to invest for the first time

If anyone can tell me the best resource to help with this situation, please let me know. We are lost...
by 1x85zn
Thu Feb 27, 2014 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Re: Disabled parent looking to invest for the first time

I'm certain she will pay off the bulk of the mortgage. We're still stumped on who to call for advice? Clearly the Social Security+Medicaid+Disability+Health Care components complicate things. The zipcode is [(removed)] if anyone has recommendations. [I removed the zip code because the combination of...
by 1x85zn
Thu Feb 27, 2014 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Re: Disabled parent looking to invest for the first time

Thanks. I have reached out to her Social Security lawyer to see if he knows anyone who can help.
by 1x85zn
Wed Feb 26, 2014 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Re: Disabled parent looking to invest for the first time

Thanks. We agree that 9.5% interest was a top priority, but she has bad credit and refinancing was out of the picture. Who does she need to call for advisement?
by 1x85zn
Wed Feb 26, 2014 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Re: Disabled parent looking to invest for the first time

I can't stop the gifts because these are her wishes. But thank you, this is exactly why I'm posting . She is already receiving medicare and still pays for her other insurance (secondary). Because of her health conditions we haven't been able to get the advice needed to move to a lower cost secondary...
by 1x85zn
Wed Feb 26, 2014 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Disabled parent looking to invest for the first time
Replies: 19
Views: 1424

Disabled parent looking to invest for the first time

I'm posting on behald of my parent who is disabled. Not your typical retirement post so hopefully we can receive some guidance. Stats: 52yrs old, disabled. Bank Account: 7k Debts: Home Loan @ 9.5%, 100K balance. Loans: $43,000 - Will be forgiven due to disability. Income: Social Security + Workmans ...
by 1x85zn
Thu Jan 23, 2014 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: New Year, New Funds. Rebalancing help
Replies: 3
Views: 256

Re: New Year, New Funds. Rebalancing help

Last year, I selected 2030 based on Bogleheads previous recommendations. According to Vanguard's website I should choose 2045. Perhaps I should go for a more moderate-aggressive fund such as 2035+ and hope for the best. Your right though the amount of money i have invested is minimal. As for taxes, ...
by 1x85zn
Thu Jan 23, 2014 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: New Year, New Funds. Rebalancing help
Replies: 3
Views: 256

New Year, New Funds. Rebalancing help

Hello Bogleheads, I'm late to retirement savings and just wanted to say that the Boglehead philosophy really changed my life. I'm sticking the course and investing 20% of my income. Here I am year #3 looking for guidance. Stats: Age 34 Assets: Savings: - $8000-10000 Lending Club - $4411 Non matched ...
by 1x85zn
Mon Nov 18, 2013 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Ok, got it. Thanks to Duckie's advice I will change the Insperity fund to Insperity Horizon Rm 2030.
by 1x85zn
Tue Nov 12, 2013 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

I see. I was told to do this to offset the fund costs for the 401k. Guess I was mis informed. That said, do you guys think i'm diversifying enough between these 2 funds? should I change one?
by 1x85zn
Tue Nov 12, 2013 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Yes, for example, every year move $5500 from 401k to Roth.
by 1x85zn
Wed Nov 06, 2013 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Bogleheads; thanks for your help here. I've since signed up for: 401K - S&P Bny Mellon 500 (%15) Roth IRA: VTTVX (2%). I had 2 additional questions and was hoping that you can help. 1) I'm putting 15% to my non-matched 401K in hopes of tax related benefits. I have no children, do not own a home,...
by 1x85zn
Thu Aug 29, 2013 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

401k in progress thanks again guys. Any other suggestions?
by 1x85zn
Mon Aug 26, 2013 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Thanks Duckie, I signed up for the SP 500 fund @ Insperity already. Texas Hold Em, Regarding the lump sum and real estate... I have no idea how to partition and use the lump some (yet). As for Lending Club, I had a CD a few years go that matured. I dumped the money into Lending Club without having a...
by 1x85zn
Mon Aug 26, 2013 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 25365

Re: Why are you trying to save so much money?

Philosophically speaking, I don't know any old folks who say, "Gosh, I wish I hadn't saved so much." But I know lots of old folks who say, "Gosh, I wish I had saved more!". My father on his deathbed:, "We never travelled it to Australia when we both could still walk. The ti...
by 1x85zn
Mon Aug 26, 2013 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Several votes on S&P 500. I will sign up for that today at 3%.

Questions; Can you guys also look into my other question about allocating a lump some of money and my blurb on realestate?
Would I be able to change my contribution amount of make any lump some payments as bonuses come in?
by 1x85zn
Mon Aug 26, 2013 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

I think I can contribute a great deal to the 401k while still working towards my other goals. 5-10% shouldn't be a problem. I feel silly for not taking advantage of it sooner but like I said before this is a fresh start for me. As for my apartment, yes a 1BR and one of the cheaper apartments in the ...
by 1x85zn
Mon Aug 26, 2013 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Original post edited with expense ratios for my 401K options (non matched).
by 1x85zn
Mon Aug 26, 2013 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

My apologies. Ill do so now.
by 1x85zn
Mon Aug 26, 2013 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

updated original post.
by 1x85zn
Mon Aug 26, 2013 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

I was told that it wasnt worth it because the fee's were high. I will look into it! Thank you. Im missing out there.
by 1x85zn
Mon Aug 26, 2013 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Re: Investment planning round 2

Retirement: I was never in a position to contribute to retirement until 2012 (shortly after I joined). I've lived on my own and suffered poverty most of my adult life. The usual working (entry level IT job to learn the ropes), studying full time, paying for and earning IT certifications, living on m...
by 1x85zn
Mon Aug 26, 2013 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Investment planning round 2
Replies: 26
Views: 2420

Investment planning round 2

Hello Bogleheads, It's been a very long road of solitude, debt and struggle over the past decade. I'm happy to report that things are very stable. I'm ready to move to my second "phase" of investing. Below are my stats, all of which were allocated over a 2 year period once CC debts were cl...
by 1x85zn
Fri Jul 12, 2013 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 1013

Re: Opening first Retirement account

Hello Bogleheads, I just wanted to provide an update: Salary $100k Debts: CC Debt $0 (was over $10,000 2 years ago) Student Loan Debt $22k Assets: 401K $0 (company does not match) ROTH / Vanguard Target Fund 2025: $1600 Checking: $1600 Savings: $9500 Emergency: $4000 2yr CD: $2000 Since i'm aggressi...
by 1x85zn
Sun Mar 24, 2013 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 1013

Re: Opening first Retirement account

I appreciate your help guys
by 1x85zn
Sun Mar 24, 2013 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 1013

Re: Opening first Retirement account

I'm opening the Vanguard Roth IRA account and contributed 1k to 2012
by 1x85zn
Sat Mar 23, 2013 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 1013

Re: Opening first Retirement account

Thanks everyone! Allow me to clarify the following points: 1- The CC debt was to finish college's final semester (after a few years off). At the time it was a investment in my future. Unfortunately out of college I made 30k which made paying it down very difficult (22% apr! ouch). 2-My retirement go...
by 1x85zn
Fri Mar 22, 2013 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Opening first Retirement account
Replies: 10
Views: 1013

Opening first Retirement account

Hello all, I'm ready to open my first IRA. Stats: Salary $90k Age: 33 Debts: CC Debt $0 (was over $10,000 2 years ago) Student Loan Debt $22k Assets: 401K $0 (company does not match) IRA $0 Checking: $1600 Savings: $2500 Emergency: $3000 2yr CD: $2000 Goals: Open a retirement fund. Save for my first...
by 1x85zn
Tue Sep 13, 2011 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do we have enough?
Replies: 86
Views: 10157

"The OPs question wasn't how to reduce his expenses to live on less so he could retire early. His question was can he retire early with 100K in expenses."

Wouldn't you expenses be cut dramatically once both kids are out of college and working on their own?
by 1x85zn
Tue Sep 13, 2011 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Do we have enough?
Replies: 86
Views: 10157

rrosenkoetter wrote:If he doesn't have "enough", then 99% of us are screwed.


I think you should add a few more .9999999999999's to your estimate. :)

Great thread.
by 1x85zn
Tue Aug 30, 2011 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3683

2 Million is the "high" that the Lawyers are aiming to settle for. It will issued to my Mother and some dispersed to the family. Anyway I think that scenario warrants its own thread and doesn't necessarily apply here. I will be posting again in the future hopefully. Any general advice woul...
by 1x85zn
Tue Aug 30, 2011 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3683

Update!

Credit card debt is at 4800 now.

Tomorrow we're meeting for "mediation" for a settlement with a high of $2m.

I'd like to get a financial adviser, but if anyone has pointers in this scenario please let me know.
by 1x85zn
Tue Aug 23, 2011 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise
Replies: 24
Views: 3683

I took out all funds from my sharebuilder account and sold off my shares.
Next step is Vanguard fund the 15th...
by 1x85zn
Fri Aug 19, 2011 10:11 am
Forum: Investing - Help with Personal Investments
Topic: The Money Show (aargh!)
Replies: 32
Views: 8226

Maybe you should write and complain to the show...

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