Search found 4137 matches

by Duckie
Sat Sep 24, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: General allocation and investing questions
Replies: 4
Views: 464

Re: General allocation and investing questions

You are allowed to change IRA custodians and I recommend you do so. Roll over the Roth IRA at American Funds in a trustee-to-trustee transfer to Vanguard and combine it with your current Roth IRA there. Find out the cost to sell the two funds at American and at Vanguard. If it's cheaper to sell at ...
by Duckie
Fri Sep 23, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Opening Taxable Account - Allocation/Efficency questions
Replies: 6
Views: 660

Re: Opening Taxable Account - Allocation/Efficency questions

lazyjk , you have a desired AA of 90% stocks, 10% bonds, with 20-30% of stocks in international. I'll go with 30%. That breaks down to 63% US stocks, 27% international stocks, and 10% bonds. You could have: Taxable at Fidelity -- 0% 0% ( FTIGX ) Fidelity Total International Index Fund Investor Clas...
by Duckie
Fri Sep 23, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: General allocation and investing questions
Replies: 4
Views: 464

Re: General allocation and investing questions

p575 , welcome to the forum. Tax Rate: 28% Federal and 5.8% State (I’m not 100% on these, but that’s the best I can gather right now). Check here for tax brackets. If your joint taxable income is above $184K your Roth IRA contributions are limited and you may need to use the 
 Backdoor Roth IRA 
 m...
by Duckie
Thu Sep 22, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover to 401k from nondeductible IRA
Replies: 11
Views: 802

Re: Reverse Rollover to 401k from nondeductible IRA

Suppose I have 120K in my account, 80K basis, 40 K earnings. All is in cash except 10K iliquid). Suppose I reverse rollover 40K to my 401k plan, and wait till the end of the year to convert to a Roth. In that time, the value of the illiquid holding falls to 5K. So the amount I have left in the IRA ...
by Duckie
Wed Sep 21, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: My future in your hands...
Replies: 11
Views: 1730

Re: My future in your hands...

Are the recommendations about my new 401k the best or are there better options? The Advisor's recommendations are not good. The best options in the new 401k are: ⋅ Fidelity 500 Index Fund (FXSIX) 0.035% -- Large caps, 80% of US stocks ⋅ Fidelity Extended Market Index Fund (FSEVX...
by Duckie
Sat Sep 17, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA recharacterization and backdoor Roth
Replies: 1
Views: 180

Re: Roth IRA recharacterization and backdoor Roth

My question - is it then possible to do a backdoor Roth this year with the same money? Can I convert the traditional IRA, which will have been funded via the recharacterization, back to a Roth IRA? Yes. And how do I actually do the conversion with Vanguard? Can that only be done over the phone? Onc...
by Duckie
Fri Sep 16, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Taxes on Automatically Reinvested Mutual Fund Dividends?
Replies: 10
Views: 899

Re: Paying Taxes on Automatically Reinvested Mutual Fund Dividends?

I opened a taxable account containing four mutual funds about two months ago through Vanguard. I used their suggested percentages based on my personal goals and details and everything seemed pretty straightforward. What four funds? I'm thinking Total Stock, Total International Stock, Total Bond, an...
by Duckie
Thu Sep 15, 2016 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just Getting Started w/ Roth IRA
Replies: 6
Views: 599

Re: Just Getting Started w/ Roth IRA

GMercier, welcome to the forum.

GMercier wrote:To my understanding*, to get started, Bogleheads would/might suggest (3 Fund Strategy):
- 5.5K into FSTMX
OR
- 3K into FSTMX
- 2.5K into FTIGX

Either would work. You could also start with one of the Fidelity Freedom Index funds.
by Duckie
Thu Sep 15, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Potential upgrade to portfolio
Replies: 2
Views: 245

Re: Potential upgrade to portfolio

nycernie , welcome to the forum. Taxable 20% Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) (expense ratio: 0.06%) 43% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (expense ratio: 0.05%) Holding bonds in a taxable account earmarked for retirement is not the best idea....
by Duckie
Thu Sep 15, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: New to this...do you have multiple index funds in a Roth IRA?
Replies: 12
Views: 1139

Re: New to this...do you have multiple index funds in a Roth IRA?

I'm still learning the ropes with AA with different accounts in my 401K and Roth IRA. Just so it's clear, you have a good 401k plan with individual funds and also have $13K in a Roth IRA at Fidelity. Is that correct? Fidelity has Freedom funds and Freedom Index funds. The Index funds are much cheap...
by Duckie
Thu Sep 15, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2058

Re: New to here. Need help with retirement planning.

These were the options available to us based on appealing ER and decent returns, but as mentioned above there were a lot more The best options are the total market funds: ⋅ Fid Total MKT IDX- (.045) FSTVX -- Complete US stocks ⋅ Fid GLB XUS IDX PR-(.11) FSGDX -- Almost complete ...
by Duckie
Tue Sep 13, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with Retirement Portfolio allocation
Replies: 5
Views: 659

Re: Need help with Retirement Portfolio allocation

jbincolorado , welcome to the forum. Tax Rate: 18% Federal There is no 18% tax bracket. What is your top dollar taxed at? 25%? Age: 42 Desired Asset Allocation: 30% Bonds, 70% Equity - --- but open to shifting that to be more conservative if you feel I have a big enough nest egg Desired Intl Equity...
by Duckie
Tue Sep 13, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check and inheritance questions
Replies: 6
Views: 595

Re: Portfolio check and inheritance questions

2wheelertx , welcome to the forum. Age:57 Desired Asset allocation: 70% stocks / 30% bonds 30% bonds at age 57 is aggressive. I'd be at least 40% bonds. Desired International allocation: xx% of stocks – Need advice - not sure. Vanguard has found between 20% and 40% of stocks in international to be ...
by Duckie
Mon Sep 12, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with new 401k fund selections
Replies: 5
Views: 332

Re: Assistance with new 401k fund selections

Looking at these I was thinking FID 500 INDEX INST (FXSIX) , FID INTL INDEX INS (FSPNX) , FID US BOND IDX IS (FXSTX) would be the best options yielding a .145% expense ratio. Those are good options. Also consider VANG MIDCAP IDX INST (VMCIX) 0.07% and VANG SM CAP IDX INST (VSCIX) 0.07% for the miss...
by Duckie
Sun Sep 11, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Pro rate rule
Replies: 7
Views: 563

Re: Backdoor Roth Pro rate rule

Me and my wife have a 401k account and an employer match through the employer. So, I guess we cannot make any contribution to the Trad IRA to reduce our taxable income ? With a 401k the deductibility of a TIRA depends on your income. See here for the limits. But that TIRA will get in the way of the...
by Duckie
Sat Sep 10, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Overall help with investing
Replies: 9
Views: 883

Re: Overall help with investing

How do people here view target date funds? Expense ratios seem low (0.08 & 0.09). Should we go for other alternatives or mix and match our own? Target-date funds can be excellent choices as long as all your retirement assets are tax-sheltered. Once you add a taxable account for retirement purpo...
by Duckie
Fri Sep 09, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is my financial adviser expensive? Can I improve my portfolio?
Replies: 37
Views: 3823

Re: Is my financial adviser expensive? Can I improve my portfolio?

Is my financial adviser expensive? Can I improve my portfolio? Yes and yes. I stopped contributions to my Roth 403(b), because of the house purchase. I may pay off the mortgage early. Contribute to your 403b pre-tax instead of Roth. Your desired portfolio is 80% to 100% in stocks with an unknown in...
by Duckie
Wed Sep 07, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 5783

Re: Early Retirement - Planning Questions ... UPDATE

401K options (same company for both of us): This plan has good options and can be kept by you (not your wife) because of the rule of 55 without worries. The best options are: ⋅ US EQUITY 0.07% -- Large caps, 80% of US stocks ⋅ SMALL CAP 0.08% -- Small caps, 14% of US stocks &sdo...
by Duckie
Wed Sep 07, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting Roth IRA with fidelity
Replies: 23
Views: 1309

Re: Just starting Roth IRA with fidelity

Fauzool , welcome to the forum. I know I need to diversify but just starting out I'm not going to be able to so I need a single fund preferable all stocks domestic/ international to start with Ive looked at a lot of different funds. If you're going to be at Fidelity the best all-in-one options are ...
by Duckie
Wed Sep 07, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: New to here. Need help with retirement planning.
Replies: 26
Views: 2058

Re: New to here. Need help with retirement planning.

IntangibleAssets , welcome to the forum. $36k worth of stocks in AIG/AIG.WS....(obviously did not diversify...) Consider liquidating this. $10,500 will be deposited in a Vanguard mutual fund account in one of their low cost high yield mutual funds ((VFIAX, VTSAX, VMGMX, VMVAX, VSGAX, VSIAX...which ...
by Duckie
Wed Sep 07, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 5783

Re: Early Retirement - Planning Questions ... UPDATE

Our portfolio is barely seven figures including cash, 401K, IRA and brokerage account. Current allocation is about 60% equities, 33% bonds and 7% cash. I'm not going to get into whether you can retire soon. I'm going to look at your current portfolio. Emergency funds: Six months of expenses include...
by Duckie
Mon Sep 05, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Getting to 3 Fund Portfolio Please
Replies: 8
Views: 1019

Re: Help With Getting to 3 Fund Portfolio Please

bennettg wrote:Any thoughts, recommendations or answers to the questions posed would be greatly appreciated.

Pick either:
  • Your #5 with an IRA.
    or
  • Just using the MSCI EAFE Index for all your international. You can live without the 20% emerging markets for now.
by Duckie
Sat Sep 03, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, New State Taxes, New Vanguard Account: To Roth, or not to Roth?
Replies: 3
Views: 397

Re: New Job, New State Taxes, New Vanguard Account: To Roth, or not to Roth?

Fidelity (old) 401k Fund Options The best options are: ⋅ Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX, 0.02%) -- Large caps, 80% of US stocks ⋅ BlackRock Russell 2500 Index Fund (0.03%) -- Mid/small caps, 20% of US stocks ⋅ BlackRock MSCI ACWI ex-...
by Duckie
Sat Sep 03, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate my mother's portfolio
Replies: 9
Views: 1264

Re: Evaluate my mother's portfolio

In addition to my portfolio, I now manage my mother's portfolio Is the following your portfolio or hers? Don't mix them. Emergency funds = $10K (not included in cash asset below) How many months' expenses is this? Tax Filing Status: Divorce Divorced is not a status. Is she Single or Head of Househo...
by Duckie
Sat Sep 03, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Non-deductible IRA contribution, will it affect rollover?
Replies: 9
Views: 692

Re: Non-deductible IRA contribution, will it affect rollover?

BL wrote:Hopefully someone here would verify or correct the above.

You are correct.

whodidntante wrote:In 2014, I stupidly made a non-deductible IRA contribution of $1,000 to a rollover IRA I had from an old 401(k) plan.

Did you file a 2014 Form 8606 for the non-deductible contribution?
by Duckie
Thu Sep 01, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: IRA/401k/457 help
Replies: 3
Views: 297

Re: IRA/401k/457 help

He will definitely be contributing to his 401k as much as he can, but my question is this- do you think we (he) should treat his 457 plan as if it's my retirement plan and contribute to his 457 for my benefit, instead of my current approach? It will be his 457b not yours but since you're married (a...
by Duckie
Thu Sep 01, 2016 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Straight Forward Advice
Replies: 3
Views: 638

Re: Straight Forward Advice

Looking for some advice on investing for my taxable account. I have maxed out my IRA (no 401K at work) and will continue to do so for as long as I work (55 years old). My wife doesn't work at this time, medical leave, owned own small cleaning business, her income not a necessity for day to day livi...
by Duckie
Thu Sep 01, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to open Vanguard, Stationed Overseas
Replies: 11
Views: 863

Re: Trying to open Vanguard, Stationed Overseas

takern, welcome to the forum.

takern wrote:Any insight or advice as to where to go next?

You need a verifiable stateside address to use Vanguard (and most other US brokerage firms). Can you use a relative's address? When is your next stateside leave?
by Duckie
Thu Sep 01, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling over a Roth 401k to Vanguard
Replies: 1
Views: 174

Re: Rolling over a Roth 401k to Vanguard

alwayshedge wrote:Can you roll a Roth 401k into an existing Roth IRA at Vanguard or must you open a new IRA specifically for the Roth rollover.

You are allowed to roll a Roth 401k into an existing Roth IRA.
by Duckie
Thu Sep 01, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Residual Income and IRA/Roth Contributions
Replies: 10
Views: 718

Re: Residual Income and IRA/Roth Contributions

cornellbuds wrote:if I contribute to a Roth because I have earned income but not so much I am precluded, can I also convert existing IRA funds to a Roth in the same year?

Yes. Contributions and conversions are separate actions. Doing one does not preclude doing the other.
by Duckie
Wed Aug 31, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New 401k
Replies: 4
Views: 365

Re: Portfolio Advice - New 401k

Age: 39 Desired Asset allocation: 75% stocks / 25% bonds - up for debate I'd go 30% bonds myself, but 25% is reasonable. Desired International allocation: 20% of stocks - up for debate Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vangua...
by Duckie
Wed Aug 31, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Residual Income and IRA/Roth Contributions
Replies: 10
Views: 718

Re: Residual Income and IRA/Roth Contributions

I retired in March after a long career where my income level and 401k access precluded deductible contributions to an IRA or any contributions to a Roth (at least insofar as I understood the rules). I have always contributed to my 401k up to the max. This year, despite retiring in March, a combinat...
by Duckie
Wed Aug 31, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Seek help reviewing portfolio and action plan
Replies: 7
Views: 565

Re: Seek help reviewing portfolio and action plan

Sorry for the typo, my 401K only has FXAIX to choose (Fidelity® 500 Index Fund - Institutional Premium Class), would you pick VTSAX in my Taxable & Roth or stick with growing FXAIX in my 401K? I'd still pick VTSAX for the bulk of your US stocks. Debt: 600K Mortgage 3.125% - 7/1 ARM (Just refina...
by Duckie
Tue Aug 30, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Seek help reviewing portfolio and action plan
Replies: 7
Views: 565

Re: Seek help reviewing portfolio and action plan

As for VTSAX for HER Roth IRA account, does it make sense for wait for 2017 to get $11k of non deductible contributions before buying VTSAX as compared to getting VTSAX now? I'd contribute to VTSMX now and when the amount gets above $10K next year just switch to VTSAX. Any reason why you prefer VTS...
by Duckie
Tue Aug 30, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Seek help reviewing portfolio and action plan
Replies: 7
Views: 565

Re: Seek help reviewing portfolio and action plan

Noted, should I allocate 45% of my portfolio to VTSAX? I'm not sure where the 45% comes from. In the example it's 56% US stocks across the entire portfolio and using Total Stock Market where you can because it's diversified. And your suggestion for Her Roth IRA to go with VTSMX is because of the mi...
by Duckie
Mon Aug 29, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: 25yo - Need Portfolio Guidance
Replies: 4
Views: 567

Re: 25yo - Need Portfolio Guidance

Large caps are 80% of US stocks, with mid caps being around 6% and small caps around 14% so you are seriously overweighting mid/small caps. If you use your above 55% US stocks a breakdown of 45/4/7 would be closer to actual market weights. I will have to adjust my allocation. I would assume this pe...
by Duckie
Mon Aug 29, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Seek help reviewing portfolio and action plan
Replies: 7
Views: 565

Re: Seek help reviewing portfolio and action plan

SquareD , welcome to the forum. Age:35 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks 20% of bonds is a bit aggressive for age 35 but I'll work with it. New annual Contributions $12K - 401k (Additional 3K employer matching contributions) $5.5K Tradi...
by Duckie
Mon Aug 29, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Help, please.
Replies: 6
Views: 768

Re: Retirement Portfolio Help, please.

I struggled with this account due to the lack of control I have over it. The three options are Aggressive, moderate and conservative growth. They have changed the underlying funds twice in the last 3-4 years. I count it in my net worth, but not my AA due to changes in it requiring me to change my A...
by Duckie
Sun Aug 28, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Help, please.
Replies: 6
Views: 768

Re: Retirement Portfolio Help, please.

scrmngeagle , welcome to the forum. Our income will make us ineligible for Roth contributions, so I've redirected the contributions to the tIRA and will look into a back door option after we get our taxes done. Does this mean you will contribute for 2016 in 2016 but wait to convert until you do you...
by Duckie
Sun Aug 28, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired Police Sergeant 457(b) plan [Pennsylvania]
Replies: 12
Views: 1396

Re: Newly retired Police Sergeant 457(b) plan [Pennsylvania]

Basketball09 , welcome to the forum. 4. Then, transfer of funds, from the newly established traditional IRA fund, to A NEW Vanguard Roth IRA (April 2018). 5. 2017 (work year), I'll be in a 15% marginal Tax bracket. 6. 2018 (first year of retirement), I'll be in 10% marginal tax bracket. <snip> If I...
by Duckie
Sun Aug 28, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice + Break up with UBS?
Replies: 12
Views: 1021

Re: Portfolio advice + Break up with UBS?

For the 401k, I was thinking of using the 4 index funds I have highlighted at the top (something like 30% FXSIX, 30% FSEVX, 15% FSGDX, 25% FSTIX). Should I have more in the S&P fund? FXSIX is large caps which are about 80% of US stocks. FSEVX is mid/small caps which are about 20% of US stocks. ...
by Duckie
Sun Aug 28, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: 25yo - Need Portfolio Guidance
Replies: 4
Views: 567

Re: 25yo - Need Portfolio Guidance

ethomasmc , welcome to the forum. Fidelity 401k: I chose my current allocation before reading up on the benefits of low cost, no-load index funds, and so it seems like I should begin transferring future contributions into a better selection of funds. My proposed new allocation would be: 25% Large-C...
by Duckie
Sun Aug 28, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment for Minor
Replies: 9
Views: 605

Re: Investment for Minor

elnegativo, welcome to the forum.

elnegativo wrote:Something else?

Roth IRA with one of the Target Retirement funds. Cheaper expense ratio and more diversified than STAR.
by Duckie
Sun Aug 28, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Review - achieving balance between 401(k) and Roth
Replies: 1
Views: 177

Re: Portfolio Allocation Review - achieving balance between 401(k) and Roth

GreyLamp , welcome to the forum. Desired Asset allocation: 90% stock / 10% bonds 10% bonds is low for age 36. I recommend at least 20%. Contributions 401(k): 13% + 6% employer match What are 13% and 6% in dollar amounts? Available Funds The best options are: ⋅ S&P 500 Index Fund 0.02%...
by Duckie
Sat Aug 27, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mimicking VG target date fund
Replies: 7
Views: 429

Re: Mimicking VG target date fund

Both me and my wife are in late 30s and have been using VG target 2045 fund for our TIRAs and rollover IRAs for the past few years. Since you have other IRAs it would be better to consider everything in the retirement portfolio as a whole instead of piecemeal. Also, TR2045 has an AA of 54/36/10. Th...
by Duckie
Thu Aug 25, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1260

Re: Beginner Help Investing for Retirement

I'm probably not quite there yet, but eventually I will have to add a taxable account. Would you recommend a three fund portfolio strategy for that piece, or are there other options that are better? The best options in a taxable account for long-term purposes are a total US stock market fund and/or...
by Duckie
Wed Aug 24, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1260

Re: Beginner Help Investing for Retirement

I had been considering moving my TIRA over to Vanguard into another Target Retirement Fund. Is this a good option, or are there any specific funds that would be better for that piece? If all your retirement assets are tax-sheltered (and with just a TIRA and SEP IRA listed, they seem so), then a tar...
by Duckie
Tue Aug 23, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Help Investing for Retirement
Replies: 20
Views: 1260

Re: Beginner Help Investing for Retirement

maxroi , welcome to the forum. The last 6 years or so, I have been making max contributions into traditional IRA accounts through JPMorgan Chase. These seem to have fairly large expense ratios (4.5% Load, 1.2% expense ratio). Yuck, that's bad. Transfer the TIRA to a different custodian. I was advis...
by Duckie
Tue Aug 23, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1135

Re: Journal of my recent ride through Southern Italy and Sicily

SkierMom wrote:Can you give us the link to your website?

Here's the link to his Southern Italy/Sicily trip.
by Duckie
Sun Aug 21, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Beginner Seeking Advice
Replies: 5
Views: 519

Re: Investing Beginner Seeking Advice

john_galt , welcome to the forum. Age: 32 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: Uncertain I think 10% bonds is a little low for age 32, but I'll work with it. As for international, Vanguard has found between 20% and 40% of stocks in international to be t...

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