Search found 1100 matches

by SeeMoe
Tue Jun 13, 2023 4:01 pm
Forum: Personal Investments
Topic: Need help to simplify funds in Traditional and Roth IRAs after taking over from a financial advisor
Replies: 34
Views: 2954

Re: Need help to simplify funds in Traditional and Roth IRAs after taking over from a financial advisor

That’s a lot of funds! If we are talking about, say, $3,000.00 to $10,000.00 in each one then you need to consolidate and take a deep breath. Keep it simple and avoid high expenses said Jack.

MOE.. :beer
by SeeMoe
Wed May 31, 2023 10:12 am
Forum: Personal Investments
Topic: Retired Military w/Gov Contractor Job - Portfolio Questions
Replies: 52
Views: 6714

Re: Retired Military w/Gov Contractor Job Converting to GS - Rollover/TSP/401k Questions

With assets like you describe it would be “worth” your while to consult a professional money manager for a fee, and one time portfolio analysis with written investment scenarios. Vanguard used to offer that fine service, but not anymore. They want to manage the folios for a small fee of about 0.30%. Look around and have some peace of mind vs free advice…perhaps.

MOE…
by SeeMoe
Sat May 27, 2023 5:14 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

Artsdoctor wrote: Sat May 27, 2023 4:08 pm At a glance, your financial resources appear to be fine. If you're in your 80's, I'd consider simplifying your portfolio make-up so that your spouse or other trusted family members could maintain your hard work in a manner they'd understand. You can enjoy the individual stocks but think about how you'd like to turn over the portfolio if you couldn't do the work yourself.
Leaning toward letting it go as is for now. I’ve gone over the folios with the wife and we’ve made a list of the assets for our lawyers and VGTS.
MOE..
by SeeMoe
Sat May 27, 2023 2:55 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

delamer wrote: Sat May 27, 2023 2:11 pm
SeeMoe wrote: Sat May 27, 2023 2:05 pm
Steelersfan wrote: Fri May 26, 2023 6:38 pm You should decide what your plans are for your portfolio when the inevitable happens. In broad terms my situation is not dissimilar to yours. I have decided I'm investing my portfolio for my grown children and their families.
I'm 76 and I'm at 66%/34%. I expect to stay in that general range for the duration.
Interesting, and I see your plan is for the heirs with the excess monies. I’ve considered that option as well, but then hesitate due to the health unknowns!
MOE…
What happens in your CCRC, fee wise, if you or your spouse needs a higher level of care?
Well, we are guaranteed care, and the Masons take care of their own here if need arises.plus I’m 100% DAV.
by SeeMoe
Sat May 27, 2023 2:05 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

Steelersfan wrote: Fri May 26, 2023 6:38 pm You should decide what your plans are for your portfolio when the inevitable happens. In broad terms my situation is not dissimilar to yours. I have decided I'm investing my portfolio for my grown children and their families.
I'm 76 and I'm at 66%/34%. I expect to stay in that general range for the duration.
Interesting, and I see your plan is for the heirs with the excess monies. I’ve considered that option as well, but then hesitate due to the health unknowns!
MOE…
by SeeMoe
Fri May 26, 2023 9:32 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

I'm sorry but it is difficult for me to understand what you posted. That's probably because it doesn't follow the recommended Asking Portfolio Questions format shown here: https://www.bogleheads.org/wiki/Asking_portfolio_questions In particular, dollar amounts instead of percentages of total portfolio (all adding up to 100%) are hard to think about. We have had a portfolio at Vanguard continually since 1982. I don’t mind the dollar amounts, they add color and sometimes a certain asset level might elicit a different set of responses from the forum—but agree with livesoft, percentage of portfolio is, appropriately, the default protocol. Adding up the percentages takes a lot of time for me. So I just use the current amounts instead. Today the...
by SeeMoe
Fri May 26, 2023 9:29 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

You've done very well and obviously understand how to manage your portfolio. One consideration is simplification as you get older, especially for your partner. Recently I decided to change our portfolio to a single fund per account so that going forward, almost no management is required and if something happens to me, my DW won't need to do anything (RMD service makes most transactions automatic). We maintain a 60/35/5 AA (we're bit closer to 70 than you are) but are comfortable with that split. We use VFIAX (S&P 500) in taxable and Roth and VWIAX (Wellesley Income) and VBIAX (Balanced index) in our tIRAs. One fund per each account makes things very simple and achieves our desired allocation. 3 excellent funds! And a novel strategy too...
by SeeMoe
Fri May 26, 2023 9:26 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

We are curious to see others views and opinions regarding our current Vanguard Group portfolios that we started investing in with two T-IRA accounts in 1984. We were 60/40 AA until age 71 when RMD’s began and reduced the asset allocations to 50/50, then, currently, to 35/53/12. 12% being Treasury money markets. The combined traditional IRA’s are : Total bond market $ 175,000.00, Intermediate term treasury bonds $ 75,000.00, Wellington Equity Income fund $155,000.00. (2023 RMD $22,000.00) Taxable joint Folio: 500 stock fund $112,000.00, tax managed Capital appreciation fund $90,000.00, Developed markets fund $40,000.00. ( Individual stocks: General Mills $36,000.00, Johnson and Johnson $ 30,000.00, Pennsylvania Power Light $ 20,000.00, IBM ...
by SeeMoe
Fri May 26, 2023 6:24 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

Miriam2 wrote: Fri May 26, 2023 1:43 pm
SeeMoe wrote: Thu May 25, 2023 4:35 pm . . . Wills, trusts with lawyers who are also the executors and work with the Vanguard Group Trust Services as we age.
SeeMoe (happy to see you back on the forum :happy ) - I thought you were with Vanguard Personal Advisors? Is your portfolio with PAS, or only the trusts? And how does that play into your portfolio questions?
PAS only briefly. As I said before the old Vanguard folio analysis we did in August 2001 was the best with a booklet detailing how to save on taxes and allocation with several scenarios. Then we had to execute. Which we did during the 911 meltdown. So what do you think about my current post…Hold, Sell, Be Safe?
MOE
by SeeMoe
Thu May 25, 2023 7:14 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

The individual stocks are just my play thing really. I prefer the 500 stock fund though and read where a retiree folio should be in large quality caps stocks , and quality bonds. Our entertainment now is taking local nature drives nearby, so I use the two SUV’s alternately to slow down the wear. The way we did in the Army with two pairs of boots. So you think the portfolios are basically ok as they are then. I’d like to have a one time for fee folio analysis done like was the case with Vanguard when we have one done in August 2001. Still have the booklet Vanguard provided with different investment scenarios, recommendations. Thank you, MOE… Yes, selling can cause tax headaches and yes, the T.IRA’s are off limits per sales. I’m staying Pat w...
by SeeMoe
Thu May 25, 2023 5:54 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Re: Octogenarians Vanguard Portfolios…

Gee, here I thought that I had explained the portfolios and pension income and outlays and request for opinions rather well?
MOE :oops:
by SeeMoe
Thu May 25, 2023 4:35 pm
Forum: Personal Investments
Topic: Octogenarians Vanguard Portfolios…
Replies: 21
Views: 3150

Octogenarians Vanguard Portfolios…

We are curious to see others views and opinions regarding our current Vanguard Group portfolios that we started investing in with two T-IRA accounts in 1984. We were 60/40 AA until age 71 when RMD’s began and reduced the asset allocations to 50/50, then, currently, to 35/53/12. 12% being Treasury money markets. The combined traditional IRA’s are : Total bond market $ 175,000.00, Intermediate term treasury bonds $ 75,000.00, Wellington Equity Income fund $155,000.00. (2023 RMD $22,000.00) Taxable joint Folio: 500 stock fund $112,000.00, tax managed Capital appreciation fund $90,000.00, Developed markets fund $40,000.00. ( Individual stocks: General Mills $36,000.00, Johnson and Johnson $ 30,000.00, Pennsylvania Power Light $ 20,000.00, IBM $...
by SeeMoe
Thu May 18, 2023 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to PA from MD for tax reasons
Replies: 54
Views: 4869

Re: Moving to PA from MD for tax reasons

We moved , from Philadelphia, to a very nice cottage on a CCRC not far from Lancaster city 12 years ago. Our CPA takes care of the federal and state taxes for us and they are both reasonable, and we pay the next years ES taxes in full every February. No complaints about taxes either. Of course 1/2 of our income is tax exempt or in tax exempt bond funds too or indexed funds. The CCRC takes care of any local property taxes.

MOE
by SeeMoe
Mon May 15, 2023 4:24 pm
Forum: Personal Consumer Issues
Topic: BOGLEHEADS on Facebook?
Replies: 22
Views: 2838

Is BOGLEHEADS on Facebook Too?

When I search for BOGLEHEADS on Facebook I find the App and then tap “following”, but it never appears when I tap the menu bar?
What am I doing wrong?
MOE :confused

{This thread merged with similar thread on same issue by same member. Moderator Pops1860]

Thanks to member who identified this to moderators.
by SeeMoe
Mon May 15, 2023 4:16 pm
Forum: Investing - Theory, News & General
Topic: Need few sentence rationale for why people should avoid financial advisors
Replies: 187
Views: 15822

Re: Need few sentence rationale for why people should avoid financial advisors

August 2001 Vanguard Group lowered their portfolio analysis fee to $400.00 dollars as I recall, and we decided to take advantage of the one time for fee analysis after years of DIY investing. We received a 32 page booklet that instantly made us winners by suggesting changes to our very tax inefficient folios, and duplication of funds.
My question is this: Vanguard stopped that excellent service awhile ago, and we would like to find a reputable money manager(CFP/CFA) who would offer a similar portfolio analysis. But not become the folio manager as most all of them want to do today. Any suggestions would be appreciated…

MOE…
by SeeMoe
Sun May 14, 2023 5:05 pm
Forum: Personal Consumer Issues
Topic: BOGLEHEADS on Facebook?
Replies: 22
Views: 2838

BOGLEHEADS on Facebook?

I checked “ following” on the Facebook App for BOGLEHEADS, but when I tap menu it never appears for me. Am I doing something wrong?
MOE
by SeeMoe
Sat Jan 07, 2023 10:09 pm
Forum: Personal Investments
Topic: Value/Growth Funds X-Ray?
Replies: 12
Views: 1064

Value/Growth Funds X-Ray?

Greetings. My question is this regarding out portfolios: how do I determine how much is value vs growth in 4 stock funds and 3 individual stocks? Equity Income in the T.IRA’s , the 500, tax managed Capital Appreciation and developed markets funds in out taxable account.
3 stocks are General Foods, Johnson and Johnson, and Pennsylvania Power Light. We are long retired Flagship Mates by the way.
Is there a “free” X-Ray App available? I don’t want to become a member of Morningstar just to look at a few funds.
SeeMoe…
by SeeMoe
Sun Mar 06, 2022 3:15 pm
Forum: Personal Investments
Topic: Bank CD Rates on Vangard?
Replies: 3
Views: 1006

Re: Bank CD Rates on Vangard?

Sandtrap wrote: Sun Mar 06, 2022 1:55 pm
SeeMoe wrote: Sun Mar 06, 2022 1:51 pm How do I find the bank CD rates and information on our Vanguard Settlement site? When I go there and click on CD’s, nothing happens. Just a blank page appears on the IPAD? :oops:
Moe,.
Vanguard Fix Rates Website page.
https://personal.vanguard.com/us/FixedIncomeHome

Also: Fidelity Fixed Rates (if you need to compare).
https://fixedincome.fidelity.com/ftgw/fi/FILanding

This is viewable on a desktop and also a laptop and a MacBook Pro laptop. Not sure of your iPad.
Thank you. Bookmarked both sites for future reference..
MOE,… :wink:
j :D
by SeeMoe
Sun Mar 06, 2022 2:07 pm
Forum: Personal Investments
Topic: do I need a money manager after $1 million?
Replies: 157
Views: 18098

Re: do I need a money manager after $1 million?

Yes you do! At the very least one should have periodic checkups of their portfolios by competent money managers who agree to a 1 x for fee folio analysis with written instructions containing various strategies and recommendations like VPAS used to offer.
VANGUARD PAS made us FLAGSHIP mates that way back in 2001 just before “911” occurred and we executed most of the VPAS recommendations after the markets reopened, and sank fast, post 911. Still benefiting from that 2-3 week period and halcyon time…Can’t fund anyone today like that great VPAS team of that era…Sad.

MOE, :confused
by SeeMoe
Sun Mar 06, 2022 1:51 pm
Forum: Personal Investments
Topic: Bank CD Rates on Vangard?
Replies: 3
Views: 1006

Bank CD Rates on Vangard?

How do I find the bank CD rates and information on our Vanguard Settlement site? When I go there and click on CD’s, nothing happens. Just a blank page appears on the IPAD? :oops:
Moe,.
by SeeMoe
Mon Mar 15, 2021 1:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2021 ExDiv. Fund Schedule?
Replies: 22
Views: 2902

Re: Vanguard 2021 ExDiv. Fund Schedule?

Thanks Chipmunk. I was at the tax center but did not see the notice,,.
Think 26 March will be be late regards Equity Income fund, so I’ll have to watch its NAV loosely.

Moe :D
by SeeMoe
Mon Mar 15, 2021 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2021 ExDiv. Fund Schedule?
Replies: 22
Views: 2902

Vanguard 2021 ExDiv. Fund Schedule?

I want to buy some Equity Income fund Admiral shares right after the ex dividend date , but can’t find out when it will occur this year in 2021? Vanguard has nothing that I can find...
Input welcomed,
Moe :?:
by SeeMoe
Thu Feb 18, 2021 6:42 pm
Forum: Personal Investments
Topic: Differences in 2 stock funds?
Replies: 3
Views: 625

Re: Differences in 2 stock funds?

Thank you sir! We have $105,678. In the VOO 500 index fund, and $97,577. In the VTCLX Capital Appreciation index fund. We are retired Flagship mates and new buck$ will go into the VTCLX. We also have individual stocks, Developed Markets index fund, and a lot of bonds now with a number in Vanguard tax exempt intermediate and limited term funds. Our current AA is 25%s/70%b/5%mm. Plus a checking account. No bills. FYI
MOE age 78... :)
by SeeMoe
Thu Feb 18, 2021 3:33 pm
Forum: Personal Investments
Topic: Differences in 2 stock funds?
Replies: 3
Views: 625

Differences in 2 stock funds?

Currently I have 3 vanguard funds , the VOO 500 index, VTCLX tax managed Capital appreciation index and developed markets index funds.
Is there redundancy and too much overlap between the VOO and the VTCLX funds perhaps? I like both.
Moe... :shock:
by SeeMoe
Wed Feb 10, 2021 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Separate Funds by Category:
Replies: 1
Views: 223

Separate Funds by Category:

Q. Does the Vanguard website have a provision for separating their funds by category please? I have 12 funds in the taxable accounts that I would prefer keeping the stock funds separate from the bonds funds. And the MM funds separate from the bonds. Can that be done? If so, how...
by SeeMoe
Sat Aug 22, 2020 10:02 pm
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

Which accounts would you hold these funds in? Global Wellesley and Equity Income should both be held in IRAs, as they are likely to have high dividend yields and generate capital gains from stock sales. Tax-Managed Balanced is only suitable for taxable accounts, and for investors in high tax brackets. Thanks for that. The Tax Managed Balanced Fund is ok for our taxable account. May just have the Global Wellington Fund in my IRA. Moe. What is your tax bracket? The stock portion of Tax-Managed Balanced Fund tracks the Russell 1000 index, but costs a bit extra to manage with the goal of having a lower dividend yield; this probably isn't worthwhile unless you are paying the Net Investment Income Tax (so that you pay 18.8% or 23.8% on qualified...
by SeeMoe
Sat Jul 11, 2020 5:39 pm
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

Retired and looking at the three above funds, Vanguard Global Wellesley, Equity Income both by Wellington Management Co., and the Tax Managed Balanced Fund by Vanguard Management Co. Two have a #3 risk rating, and Equity Income a #4 risk rating. This way we get some international as well as foreign bonds and also some tax exempt bonds. Check your tickers; VEIEX is the Investor class of Emerging Markets Index. Equity-Income is VEIPX/VEIRX. What matters is the overall risk of your portfolio, not of any one fund. If the stock market drops 40%, you don't care whether you have a 50/50 balanced fund which loses 20%, or an individually riskier stock fund which loses 40% and a low-risk bond fund which breaks even. Which accounts would you hold the...
by SeeMoe
Sat Jul 11, 2020 12:27 pm
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

I dont thing the risk rating means much, besides a cute way to show difference between Vanguard offerings by making pseudo categories of risks. For example 1 does bot mean almost no risk, just that it is lower then one rated 2 or 3 , but all are risky. Both Wellington and Wellesley have many good reports and and also many posts on the forum that you can find using the search option. Good point. I haven’t seen much on either the global Wellesley, or the global Wellington funds since their in date is relatively new at 2017... I agree that finding out more about the funds is a good idea if you think you are interested for some reason. "Good" reports is meaningless unless we know what it is we are talking about that is good. I doubt ...
by SeeMoe
Sat Jul 11, 2020 12:23 pm
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

"Stability" is a question of how you allocate between stocks and bonds. Equity income is a 4 because it is a stock fund and the others are 3 because they hold some bonds as well as stocks. Global Wellesley is 60% bonds and balanced fund is 50% bonds. I don't think words like stability or risk measures labelled on things by Vanguard mean anything more than a vague idea of how variable the returns from an investment might be. Variability in returns translates into how uncertain your long term outcome will be and into how possible it is to take large losses or gains in some periods of time. When a person says "stability" I would suspect they want less than 50% in stocks. Agree. Stability to us now means quality blue chip s...
by SeeMoe
Sat Jul 11, 2020 12:15 pm
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

Moe, what are the percentages of each? It looks like you have a lot of foreign stock. Paul Only 5%($50,000) in each one. May use globe Wellington instead of global Wellesley... Moe.. :shock: Are you saying that you are planning to be 80% Treasuries, 5% in each of those, and there is another 5% somewhere in something? If that is really the case investing in those W funds is pointless and even where exactly you put that 15% altogether is not very important. If I had settled on a 15/85 asset allocation I would just put all the stock in US total stock. I would be doing a lot more thinking about why only 15% than I would about what fund to pick. Age matters to us now. Just want a taste of the markets for now. May eventually go to 30%-25% balanc...
by SeeMoe
Sat Jul 11, 2020 8:37 am
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

annu wrote: Fri Jul 10, 2020 10:49 pm I dont thing the risk rating means much, besides a cute way to show difference between Vanguard offerings by making pseudo categories of risks. For example 1 does bot mean almost no risk, just that it is lower then one rated 2 or 3 , but all are risky.

Both Wellington and Wellesley have many good reports and and also many posts on the forum that you can find using the search option.
Good point. I haven’t seen much on either the global Wellesley, or the global Wellington funds since their in date is relatively new at 2017...
by SeeMoe
Sat Jul 11, 2020 8:35 am
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

pkcrafter wrote: Fri Jul 10, 2020 10:56 pm Moe, what are the percentages of each? It looks like you have a lot of foreign stock.

Paul
Only 5%($50,000) in each one. May use globe Wellington instead of global Wellesley...
Moe.. :shock:
by SeeMoe
Sat Jul 11, 2020 8:32 am
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

Re: (VGYAX,VEIEX, VTMFX)

"Stability" is a question of how you allocate between stocks and bonds. Equity income is a 4 because it is a stock fund and the others are 3 because they hold some bonds as well as stocks. Global Wellesley is 60% bonds and balanced fund is 50% bonds. I don't think words like stability or risk measures labelled on things by Vanguard mean anything more than a vague idea of how variable the returns from an investment might be. Variability in returns translates into how uncertain your long term outcome will be and into how possible it is to take large losses or gains in some periods of time. When a person says "stability" I would suspect they want less than 50% in stocks. Agree. Stability to us now means quality blue chip s...
by SeeMoe
Fri Jul 10, 2020 9:14 pm
Forum: Personal Investments
Topic: (VGYAX,VEIEX, VTMFX)
Replies: 19
Views: 1671

(VGYAX,VEIEX, VTMFX)

Retired and looking at the three above funds, Vanguard Global Wellesley, Equity Income both by Wellington Management Co., and the Tax Managed Balanced Fund by Vanguard Management Co. Two have a #3 risk rating, and Equity Income a #4 risk rating. This way we get some international as well as foreign bonds and also some tax exempt bonds. Plus well established equity’s. Some emerging markets too. We are currently 95% Treasuries, and Flagship mates. Want stability at our age...

Moe.. :idea:
by SeeMoe
Sat May 16, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trading Day Times?
Replies: 4
Views: 749

Re: Vanguard Trading Day Times?

Thank you for that information. I thought this was the case, and still was for years now! It it evidently changed long ago...?
Moe... :oops:
by SeeMoe
Fri May 15, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trading Day Times?
Replies: 4
Views: 749

Vanguard Trading Day Times?

Q. Did Vanguard at one time have a 2:PM cutoff time in order for you to lock-in that days NAV? Seems to me that at one time this was the case, and if you bought into a fund after 2:PM it was to late and you got the next days closing NAV at the market close. Is that correct? If so, when did Vanguard change to the 4:PM close?

Moe.. :confused
by SeeMoe
Fri May 15, 2020 8:56 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 182
Views: 29782

Re: Still using total bond market?

Put our Flagship funds into Treasury MM,s except for also 12% in the total bond index which is still holding in there. We finally realized we have Enough at our age. This disaster will take a few years to sort out as most major downturns do.

Moe.... :happy
by SeeMoe
Thu Apr 16, 2020 8:09 pm
Forum: Personal Investments
Topic: Bogleheads, talk me out of timing the market
Replies: 24
Views: 2626

Re: Bogleheads, talk me out of timing the market

Only the big boys like Warren and Bill ACKMAN are market timers because they spend big bucks on Bloomberg Type quantitative analytics....And do well.

Moe 8-)
by SeeMoe
Mon Mar 30, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes
Replies: 84
Views: 9231

Re: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes

Since going into Treasuries recently, I’m getting itchy and think that may be a good idea going into a few 500 stocks like Visa, Verizon, PPL and Coke....Just, say, $10,000 in each from my Federal MM Settlement Fund...Or maybe wait a bit? Don’t need the buck$, just the action...
Moe.. :?:
by SeeMoe
Sun Mar 29, 2020 10:22 pm
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 213
Views: 27422

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I don’t plan on doing anything with our stash for a long time if my hunch is right that this depression will be a long, agonizing one with a lot of casualties along the way to recovery...Hope I’m wrong!
Moe... :oops:
by SeeMoe
Sun Mar 29, 2020 2:59 pm
Forum: Personal Investments
Topic: Rick Ferri says to put aside something for "Bingo Money"
Replies: 76
Views: 10804

Re: Rick Ferri says to put aside something for "Bingo Money"

Good Q. Rick. We have cash on hand and over $100k in our Credit Union accounts for “Bingo” time eventualities in the coming days and months ahead. Beside a well stocked abode. Using 4 sheets of TP per day , and cleaning selves the Arab way with water douches too. Eat less of everything for a just in case scenario if this lock-down continues into the summer months...
by SeeMoe
Sun Mar 29, 2020 11:16 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 2086

Re: “ When is enough, enough at 78...”

That’s what I’ve been mulling over recently and looking at “safe” 500 companies such as VISA, JNJ: Johnson&Johnson, MCD:McDonalds, D:Dominion Energy, GIS:General Mills, PG:Proctor &Gamble, JPM:J.P.Morgan, Etc. Would use the $ in the Vanguard Federal MM settlement fund...I think the next 4-6 weeks from now will be the “time” to commit! If the Missis agrees that is. The grandkid wants her legacy too in common stocks that we have been looking at together. Thanks, Moe.. :idea: I would strongly advise against a portfolio of “great” companies to meet a legacy goal. Technologies change and leading companies can just “go away” in a matter of a decade or two. In the ‘80s a popular investment strategy was the so called “Nifty Fifty” - great ...
by SeeMoe
Sun Mar 29, 2020 11:04 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 2086

Re: “ When is enough, enough at 78...”

Flyer24 wrote: Sun Mar 29, 2020 8:02 am Topic has been moved to Personal Investments.
I’m having trouble finding “ Personal Investments “ on my BOGLEHEADS App? Only have this consumer site, Canada, Chapters, Administration, on one more...
Moe.. :?:
by SeeMoe
Sun Mar 29, 2020 11:01 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 2086

Re: “ When is enough, enough at 78...”

so we exchanged the 40/60 AA that was now 33/57/10 mm for Treasury MM,s, Prime MM’s and total bond index funds. We took about $250,000 in paper loses, but the actual capital losses are just $34,334.22. With capital gains of $112,358.55. Q. How will this exchange(sell) affect our taxes next year? You can sit down with a tax return and fill out what you think the data will look like next year and calculate an answer. Roughly speaking you will have a net capital gain of $78,000, presumably taxed as long term gains mostly. What that will cost in taxes will depend hugely on your other income and what tax brackets you end up in. I suppose conceivably it could increase your tax bill by about a quarter of that gain or $20,000 give or take big gues...
by SeeMoe
Sun Mar 29, 2020 10:23 am
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 2086

Re: “ When is enough, enough at 78...”

That’s what I’ve been mulling over recently and looking at “safe” 500 companies such as VISA, JNJ: Johnson&Johnson, MCD:McDonalds, D:Dominion Energy, GIS:General Mills, PG:Proctor &Gamble, JPM:J.P.Morgan, Etc. Would use the $ in the Vanguard Federal MM settlement fund...I think the next 4-6 weeks from now will be the “time” to commit! If the Missis agrees that is. The grandkid wants her legacy too in common stocks that we have been looking at together.
Thanks,
Moe.. :idea:
by SeeMoe
Sat Mar 28, 2020 9:28 pm
Forum: Personal Investments
Topic: “ When is enough, enough at 78...”
Replies: 11
Views: 2086

“ When is enough, enough at 78...”

We are 77/78 living in a CCRC cottage and are Flagship mates after 37 years of serious investing at 30%-25% of our net pay. Even in retirement with excellent pensions and benefits. Still though, this week we had an epiphany when we realized we were more interested now days seeing how much more our folios would increase. Not for the necessary accumulation for a nest-egg, so we exchanged the 40/60 AA that was now 33/57/10 mm for Treasury MM,s, Prime MM’s and total bond index funds. We took about $250,000 in paper loses, but the actual capital losses are just $34,334.22. With capital gains of $112,358.55. Q. How will this exchange(sell) affect our taxes next year? Q. Our Flagship Representative called and discussed our investment strategy now,...
by SeeMoe
Fri Mar 27, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 649
Views: 112415

Re: Don't pay full price for SiriusXM radio

I’m retired and don’t need music other than local stations when driving to the store. Have “ Music Choice” on Comcast TV, and that’s plenty for us. Nice to have now what with the dismal Wuhan Flu news of late.

Moe... :happy
by SeeMoe
Sun Mar 22, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 73
Views: 7154

Re: Pay cleaning lady during coronavirus pause?

Yes! Our trusty housekeeper is paid via the bank Billpayer service every month and we certainly will continue paying this hard to find, loyal lady as long as it takes until The All Clear message to go up...

“ Till we meet again,...Don’t know where,...Don't know when,...But we will meet again.” (WWII song.)
Moe.. :shock:
by SeeMoe
Tue Mar 17, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Have you been personally affected by supply chain problems?
Replies: 56
Views: 4551

Re: Have you been personally affected by supply chain problems?

We are seniors in a CCRC that sends out lots of memos per COVID19, but is doing little “ to protect seniors as the CDC advises! They won’t even put up signs at the entrances stating “ Restricted Area”. No offers by the staff to do food shopping, getting drugs for us either!” We are on our own! “Many of the residents keep referring to past flu seasons thinking this one will be the same....

Discouraged About The Days Ahead,
Moe... :shock:
by SeeMoe
Sat Mar 07, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: No bonds in retirement AA?
Replies: 55
Views: 4588

Re: No bonds in retirement AA?

We are 77 and 78 with a Vanguard AA of 40/60. (5% is Prime MM) and this AA is taking the current market gyrations fairly well. At age 80, if still here after this China Plague, we will go to 35/65 AA. Our Flagship CFP advised us ,when RMD time approached, to make our T-IRA accounts 100% bond funds for days such as this. Glad we did!

Moe.. :P