Search found 10 matches

by The 19th hole
Sun May 07, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 6435

Re: Solid justification for including all stocks & NO bonds?

Depends entirely on your risk tolerance. I'm 60 and just recently retired. I was 100% stocks for my entire work life except for my emergency fund (and day to day cash). That included my Roth IRA, my taxable investment account and my kids 529 accounts. I firmly believed that my long term interests we...
by The 19th hole
Thu May 04, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

Sorry, from your format I can't understand what investments are in each account. Can you list them by account? Apologies for the spacing. tIRA 10% Domestic Large Passive VTSAX Total Stock Market Index Admiral Shares 7% Large value VVIAX Value Index Admiral Shares 7% Mid value VMVAX Mid-Cap Value In...
by The 19th hole
Thu May 04, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request - Update

I'm looking to finalize my allocations and would appreciate any thoughts on the subject - particularly with respect to the bond components.

Thanks.
by The 19th hole
Tue May 02, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

Thanks for all of your help in reallocating my portfolio. Following are my detailed plans (so far). Comments and suggestions appreciated. Planned allocation 70/30. Stocks Domestic Large Passive 28% Large value 7% Mid value 7% Small value 7% Int'l Large Passive 14% Emerging mkts 7% Category % Symbol ...
by The 19th hole
Sat Apr 22, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

Mutual funds are easier to use. You can buy fractional shares, it's easier to set up automatic investment and automatic reinvestment, and you never have to be concerned about bid/ask spreads or use limit orders. At Vanguard index mutual funds are just as tax-efficient as ETFs, and the expense ratio...
by The 19th hole
Fri Apr 21, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

Thanks for all your help. I think you received a lot of good advice on all your questions. #5 is market timing. If the money is destined for investment then invest it. Parking, holding, waiting, etc. are just other terms. What you are really saying is: I think the market is going down soon. I think ...
by The 19th hole
Fri Apr 21, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

If you were to delay cashing the EE savings bonds until the year after the one-time payouts from work are received, would your marginal tax rate be lower than 28% during either of those time periods? If so would the tax savings outweigh the cost of leaving the savings bonds sitting earning no inter...
by The 19th hole
Fri Apr 21, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

I'm a little confused. Have you already cashed out of the market or are you close to 100% stocks?


Currently sitting about 65 stocks and 35 cash & short term instruments.
by The 19th hole
Fri Apr 21, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Re: Portfolio Reallocation Request

Thanks ruralavalon for the quick and helpful reply! :D Why do you expect that your marginal tax rate will go up to 28% for the next several years? Two reasons. A 2 year payout from work and cashing over $30K in EE bonds. Both taxable events. The 19th hole wrote: 4. Where (IRA, Roth IRA, taxable acco...
by The 19th hole
Fri Apr 21, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1395

Portfolio Reallocation Request

Greetings Bogleheads. I am a long time investor who started gambling with options back in the 80’s but learned over time that “cost effective” is the way to go. I am 60 years old and have recently retired with a pension that is satisfactory to cover all of my living expenses for the foreseeable futu...

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