Search found 351 matches

by Rajsx
Wed Apr 18, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

Thanks James, that sounds good.

We do have a Trust & a Estate Plan & I do not know whether Trust Accounts will come in the way. I will research it further.

I wonder if other married Forum members have a single Taxable account, to make it easier for themselves.
by Rajsx
Wed Apr 18, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

What are the benefits of a Joint Taxable account vs Separate His & Her Accounts ??
by Rajsx
Tue Apr 17, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

Yes James, selling Developed Market Index will result in lots of Cap Gains Tax.

What are the gains of a Joint Taxable account vs Separate Accounts ??

Thanks
by Rajsx
Tue Apr 17, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

Thanks again Duckie, with your suggestions I am gradually getting there.

Combining our IRAs are my next step, I will be calling my Flagship Rep for that.
by Rajsx
Tue Apr 17, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Continuing to simplify investments,--Please help

....Continuing to simplify my investments, I am at 51% 49% Stocks/Bonds, with $5,615,276 Total assets at Vanguard, I have already invested the $725k I talked about in my earlier post. I have some Bank CDs of around $350k with varying maturity dates + $60k in high yield Online Savings for Emergency F...
by Rajsx
Sat Apr 07, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is Stock Market the only source of income in retirement ?
Replies: 21
Views: 2248

Re: Is Stock Market the only source of income in retirement ?

Thanks every one for chiming in, "Be nice to your kids and try making them successful" caught my attention in the above post. I do not know what exactly this means & in what context. Anyway in our case both our kids are doing well in their own capacities & have not asked us for any financial support...
by Rajsx
Sat Apr 07, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Is Stock Market the only source of income in retirement ?
Replies: 21
Views: 2248

Re: Is Stock Market the only source of income

We have a 50/50 allocation mostly in Vanguard & including remaining in Bank CDs + Cash. I want to investigate other sources of passive income like immediate or deferred fixed income(Not Variable) annuities. I have read, those to be beneficial mostly after the age of 70. We are empty nesters, I am al...
by Rajsx
Fri Apr 06, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is Stock Market the only source of income in retirement ?
Replies: 21
Views: 2248

Is Stock Market the only source of income in retirement ?

We have a paid off residence, & our main source of sustenance in due time will be Social Security & the withdrawals from our portfolio. We recently sold some investment real estate & the proceeds are being invested into the Market. I retired early/am on disability. Do any of you have or will have ot...
by Rajsx
Thu Apr 05, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 28
Views: 2416

Re: JAMA article's health implications for asset allocation

I hope this thread is consistent with forum rules. A recent Journal of American Medical Association article presented results of a lengthy and elaborate statistical analysis showing a strong association between sudden wealth losses and increased mortality in middle aged and older folks. The study u...
by Rajsx
Tue Apr 03, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

Thanks Peter for chiming in, - Disability Payments are not taxable, this is a private policy (Not Social Security Disability) - In 2017 the Marginal Income Tax rate was 25%, difficult to say but I think this rate may continue after age 70 1/2 - The real estate sale this year will increase my tax pay...
by Rajsx
Tue Apr 03, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

BUMP, any other suggestions please

Thanks
by Rajsx
Mon Apr 02, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

Thanks Watty, appreciate the good pointers you shared. Yes, the taxable returns are being directed to a settlement fund in that account, Disability payments are not taxable, this year the marginal tax rate was 25% This year the cap gains of the property sale may end up into a substantial tax bill, I...
by Rajsx
Sun Apr 01, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Re: Trying to simplify investments,--Please help

Thanks Duckie, for helping me in what seems like an exhaustive exercise at rearranging my investments to keep it simple. - Yes, the building sale proceeds are already given in the Outside accounts. - I gradually will try to get out of International Bonds, which were courtesy of Advisors at Vanguard....
by Rajsx
Sun Apr 01, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify investments,--Please help
Replies: 15
Views: 1534

Trying to simplify investments,--Please help

- I find the number of mutual funds in my all Vanguard 6 million Portfolio have crept up & want to simplify & over time go towards a 3 Fund Simple Portfolio. We recently sold commercial real estate & the $725 k proceeds are sitting in cash. Our overall asset allocation TARGET needs to be Stocks 50/ ...
by Rajsx
Sun Apr 01, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Talking about Bond Investing - For Safety, not Yield
Replies: 18
Views: 1800

Re: Talking about Bond Investing - For Safety, not Yield

The intense noise in the media has swayed many towards the Shorter term Bond (Funds), including me. Last several few years I started investing in the Vanguard Short Term Investment Grade rather than my automatic go to Total Bond Index. Bond investing has long been an enigma for me, I do a little bit...
by Rajsx
Sun Apr 01, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Talking about Bond Investing - For Safety, not Yield
Replies: 18
Views: 1800

Re: Talking about Bond Investing - For Safety, not Yield

Thank you Simplegift & Mega for very insightful & helpful posts.
by Rajsx
Sat Mar 31, 2018 11:38 pm
Forum: Investing - Theory, News & General
Topic: Talking about Bond Investing - For Safety, not Yield
Replies: 18
Views: 1800

Talking about Bond Investing - For Safety, not Yield

I have a question, and want to understand this better - If we say Bond Investing is first for safety & not Yield, (& to go to Stocks for yield), following the same thinking, why does the Short Term Bond Index VBIRX NOT become the main Bond Fund in the Portfolios discussed here & substitute the Total...
by Rajsx
Sun Feb 25, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Ever thought of withdrawing bond allocation first ??
Replies: 23
Views: 1890

Re: Ever thought of withdrawing bond allocation first ??

Thanks, I learnt several points I was not aware of. In addition I will look up what was suggested
by Rajsx
Sun Feb 25, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Ever thought of withdrawing bond allocation first ??
Replies: 23
Views: 1890

Re: Ever thought of withdrawing bond allocation first ??

I wonder if any of the bogleheads are doing it ? & How was their experience ?. I will research into the posts of Sheepdog. Thanks Taylor, thanks for your post and almost always there is wisdom in what you post. What you mean to say is to keep my present asset allocation at 45%S/55%B & withdraw in th...
by Rajsx
Sun Feb 25, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Ever thought of withdrawing bond allocation first ??
Replies: 23
Views: 1890

Ever thought of withdrawing bond allocation first ??

I will start withdrawing monthly from investments for living/spending in a few years at age 65 & I was thinking why not withdraw from Bonds first - - Stock Funds get the step up when left for inheritance when we pass, where as Bonds do not get that favorable treatment. i.e if we do end up leaving th...
by Rajsx
Thu Feb 22, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Looking into Hands Off Commercial Real Estate
Replies: 14
Views: 1463

Re: Looking into Hands Off Commercial Real Estate

You guys are right !! I am back in the familiar territory, no sharks to vet, no anxiety & no stress. Every fund is open to see, its expense ratio is clear to check out & what you see is what you get with Vanguard I am very familiar with the territory here & had Reits in my portfolio & traded out of ...
by Rajsx
Thu Feb 22, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Looking into Hands Off Commercial Real Estate
Replies: 14
Views: 1463

Re: Looking into Hands Off Commercial Real Estate

I appreciate your input, It does not make sense to complicate the investments & our lives at this stage when we are retired. I may end up going REIT/Total Stock Market Fund route which initially was the intended plan, before I started investigating to reinvest in Real Estate & then I was introduced ...
by Rajsx
Wed Feb 21, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Looking into Hands Off Commercial Real Estate
Replies: 14
Views: 1463

Looking into Hands Off Commercial Real Estate

I need some discussion/suggestions/pointers as how to invest the proceeds from our Medical Office Building Sale, Some background info – I am 61, DW is 56, retired on disability few years back, both kids are launched & out of the nest, we have a comfortable lifestyle with my private disability paymen...
by Rajsx
Wed Feb 21, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Investing via 1031 Exchange or not
Replies: 2
Views: 230

Re: Commercial Investing via 1031 Exchange or not

Thanks Rick, I appreciate your opinion
by Rajsx
Tue Feb 20, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial Investing via 1031 Exchange or not
Replies: 2
Views: 230

Commercial Investing via 1031 Exchange or not

We are selling our medical office building located about an hour away & want to invest in hands off commercial real estate with no day to day responsibilities for diversification among other benefits. Looking at fractional ownership via a Delaware Realty Trust( DST ), a NNN property or Tenants in co...
by Rajsx
Mon Feb 19, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1062

Re: Boglehead Approved Delaware Statutory Trust?

I understand our present due Taxes of $120k will carry on, and if we do 301 Exchange again & buy other properties when the first properties get sold, then the Cap Gains & Dep Recapture Taxes of that sale will be added to the 120k . At the end of the year, do you get the figures of Depreciation Taxes...
by Rajsx
Mon Feb 19, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help me Eyeball my Taxes on this sale
Replies: 4
Views: 506

Re: Help me Eyeball my Taxes on this sale

Thanks David,

I understand that better now

With best regards
by Rajsx
Mon Feb 19, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1062

Re: Boglehead Approved Delaware Statutory Trust?

Thanks Rolyatroba for your help.
by Rajsx
Mon Feb 19, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help me Eyeball my Taxes on this sale
Replies: 4
Views: 506

Re: Help me Eyeball my Taxes on this sale

Grabiner,

I suspect I will be ending up paying 20% Tax when I include this sale proceeds in the income this year.
by Rajsx
Mon Feb 19, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1062

Re: Boglehead Approved Delaware Statutory Trust?

Thank you Rolyatroba for the 1031 Exchange fees,

Do the Kay Properties do 1031 Exchange work themselves or they refer you to a Intermediary, which entity was that ?

What do your DSTs charge ? all upfront or any hidden charges ?

Thanks again, your experience is very valuable for us.
by Rajsx
Mon Feb 19, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1062

Re: Boglehead Approved Delaware Statutory Trust?

Rolyatroba, thank you for your reply, I am unable to see/read your message, although it says on top right hand corner that 1 message is there waiting , but it does not come up when I click on it, strange... I am looking into a multifamily commercial real estate if I go that route of 1031 exchange & ...
by Rajsx
Mon Feb 19, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1062

Re: Boglehead Approved Delaware Statutory Trust?

Rolyatroba, Rick & John, We are in a similar situation, Contract done, Closing scheduled for April 2nd on our Office Building. Like you all, I do not want to be a Landlord, recently retired, first time to these 1031 Exchange or/and DST deals We are deciding between the options of - 1)Whether to do a...
by Rajsx
Sat Feb 17, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Help me Eyeball my Taxes on this sale
Replies: 4
Views: 506

Help me Eyeball my Taxes on this sale

We have a contract on selling our Office Building & are trying to guestimate the Taxes & the net Take Home Dollar Amount. Cost Basis of Building in 1999 (Land not included) = 445000 Depreciation taken including 2017 = 206000 ________ Adjusted Cost Basis = 239000 Depreciation Tax @ Flat 25% = 206000 ...
by Rajsx
Fri Feb 16, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: 1031 Exchange
Replies: 1
Views: 196

1031 Exchange

We are working on an offer to sell our rental medical office building, & I am thinking in advance(counting Eggs before they are hatched) how to spend 730k, which we will clear after the selling costs in about 6 weeks. We are ambivalent about 1031 Exchange into other passive commercial investments, o...
by Rajsx
Mon Feb 12, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12237

Re: Anybody else Age - 10 in bonds, rest in stocks

I am 61, DW is 56.

Our Asset Allocation including CDs is 46% Stocks / 54% ( Bonds + CDs )

We probably have won the game (Why Play)
by Rajsx
Mon Feb 12, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Suggest a Financial Aggregator Site
Replies: 8
Views: 722

Re: Suggest a Financial Aggregator Site

I added my CD & Online Savings accounts on Vanguard OUTSIDE ACCOUNTS & will manually update those balances. Now, they SHOW UP and in the more accurate and some conservative Asset Allocation, I do not need to fool with Personal Capital & the Full View of Fidelity. Thank you very much, I appreciate yo...
by Rajsx
Sun Feb 11, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Suggest a Financial Aggregator Site
Replies: 8
Views: 722

Suggest a Financial Aggregator Site

I need suggestions/Opinions on finding a Financial Aggregator Site where I can see all my investments(Essentially Vanguard) + CDs + Online savings accounts at a single place(website) so I can find my Total Asset Allocation. - I use Mint for my Cash/CD & day to day money Flow, had to remove all inves...
by Rajsx
Wed Feb 07, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Transaction Question........
Replies: 2
Views: 296

Real Estate Transaction Question........

We are negotiating with a buyer the sale of our whole Doctors Medical Building which has 3 suites with tenants. Buyer(Doctor Group) wants quick access into one suite after the Contract is signed but before the Closing. the reasons being given by the buyer are applying for medicare number, setting up...
by Rajsx
Sat Feb 03, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 57
Views: 7367

Re: Love your family car? Under $16,000 Used? Please share!

A Camry all the way for me ! We have had 4 Camry's in our family, easy to care for, easy to insure, very reliable, a good resale value, enough space & easy ingress for one or even two Car Seats, big trunk space, what is not to like. Sedans are safer to drive, have a lower center of gravity than SUVs...
by Rajsx
Fri Feb 02, 2018 1:30 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 51
Views: 6257

Re: ORLANDO Chapter Bogleheads

No it is not
by Rajsx
Wed Jan 17, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5204

Re: Make me feel good about my bond allocation

I share the same feeling, wish my asset allocation would call for 70% Stocks, looking at the recent Stock Returns. But, at 61 having almost won the game, I am on the sidelines these days with a safer (I think) 45/55 S/B allocation, my primary goals are a mixture of sustain > grow my portfolio. Enjoy...
by Rajsx
Mon Jan 15, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20470

Re: Anyone disenchanted with retirement?

I want to follow this thread, I am retired for couple years now
by Rajsx
Sat Jan 13, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 2% 12 month CD expires tomorrow
Replies: 13
Views: 2454

Re: Ally Bank 2% 12 month CD expires tomorrow - Lost confidence

Ally is screwing up big time, First they messed up adding my name as the Trustee on my wife's trust account, when orally they admitted their mistake multiple times, as they could see my name clearly on her Trust account papers they have on file & promised the correction & it took 4 phone calls, a fe...
by Rajsx
Wed Jan 10, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Investment Bond vs 1yr ALLY CD 2%
Replies: 2
Views: 646

Short Term Investment Bond vs 1yr ALLY CD 2%

I have new money to invest in Fixed Income/Cash section of my Portfolio & I am deciding between A) VFSUX Vanguard Short-Term Investment-Grade Fund Admiral Shares or B) 1 yr ALLY BANK CD at 2%. What I like about VFSUX - I do not have to keep searching & transferring money into a different Bank giving...
by Rajsx
Tue Jan 09, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1603

Re: Where to invest now ?

Livesoft ! Congratulations on 58000 + Posts on this Forum
by Rajsx
Tue Jan 09, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1603

Re: Where to invest now ?

Another related question, please advise

What are Bogleheads suggested as a general guide(I know not set in stone) for Asset Allocation, I am 61

- Is it 110 - Age in Stocks ? In my case this Stocks come to 50%
OR
-Is it Age in Bonds ? in my case Stocks will be 40%

Thanks
by Rajsx
Tue Jan 09, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1603

Re: Where to invest now ?

Thanks for your opinions, - Wellesley VWIAX - is a good fund, good track record, at present most(90%) of my investments are in INDEX FUNDS, VWIAX has something like 60% in Bonds, I do not know(yet) what is the duration of those Bond Funds. Apart from Short Term Corporate Bonds & also Short Term Inde...
by Rajsx
Mon Jan 08, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1603

Where to invest now ?

Since we sold our prior house last year, almost $ 200K have been sitting in an online bank earning 1.5% with decision paralysis. I have no idea what to invest in ? Let me explain......., I am 61, retired now with AA now of 43/57 Stock/Bond%, I have rebalanced regularly in the last few years from the...