Search found 7 matches

by barrydmd1
Sun Feb 12, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Alternative To PAS 60/40 Core Fund Portfolio In Retirement
Replies: 3
Views: 400

Re: Alternative To PAS 60/40 Core Fund Portfolio In Retirement

The risk tolerance tool on the Vanguard site recommended this allocation for me as did the advisor. I only have $320,000 in my portfolio, so for the money to last, I might need to be a little aggressive. I will not start withdrawing from the portfolio for 2 years, since I have a small income coming ...
by barrydmd1
Sun Feb 12, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Alternative To PAS 60/40 Core Fund Portfolio In Retirement
Replies: 3
Views: 400

Alternative To PAS 60/40 Core Fund Portfolio In Retirement

The PAS advisor has recommended the four core fund portfolio with 60% stocks. This is the same allocation as the Lifestrategy Moderate Growth fund. The 60/40 allocation is fine with me, but why do I need an advisor to do what I can do on my own with Moderate Growth. I am age 72 and retired. I have n...
by barrydmd1
Mon Jan 02, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3870

Re: Audiophiles help me with setup

Unless you have a really good system, you will not hear much difference using higher end digital formats or vinyl. Frankly, I cannot tell much difference between Apple Lossless files and aac files on my ITunes. Audio can be a never ending road of continually upgrading sources and/or equipment with d...
by barrydmd1
Sat Dec 10, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 8223

Re: Men's Fashion - Best Bang for Buck

I only buy casual shirts. I have little need for dress shirts, and I have a couple that will last me forever. When I was a normal size, I bought my shirts at the Polo Outlet Stores. They were discounted and last forever. Now that I am a plus size, I buy the Polo shirts on-line at full price, but the...
by barrydmd1
Sat Dec 10, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: To Use Vanguard PAS Or Not
Replies: 12
Views: 1931

To Use Vanguard PAS Or Not

I am age 72 and retired. The only income my wife and I have is Social Security. I have $295,000 in 21 Vanguard funds that were set up for me by a friend of mine who is a certified financial planner. I want to simplify the portfolio with three or four balanced funds at Vanguard. I have a small monthl...
by barrydmd1
Thu Dec 01, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Simplify Portfolio With Balanced Funds
Replies: 6
Views: 1290

Simplify Portfolio With Balanced Funds

I am 72 years old, and have $300,000 invested in 21 all Vanguard funds with a 50/50 stock/bond ratio. This group of funds was set up for me four years ago by a financial planner friend of mine I plan on withdrawing monthly in about 2 years at a 5% rate. I need that amount. Other than my wife’s and m...
by barrydmd1
Thu May 28, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: To Keep Life Insurance, Or Not
Replies: 2
Views: 591

To Keep Life Insurance, Or Not

My wife and I each have a whole life policy for $50,000, and the combined monthly premium is $370. The cash value of the two policies is about $10,000. We are both in good health. I will be 71 in July, and my wife will be 69 next January. My take on life insurance is that it is meant to replace inco...

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