Search found 15 matches

by peanutbuddy
Mon Jan 11, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: social security file and suspend
Replies: 2
Views: 582

social security file and suspend

I turn 62 on Feb 9 of this year - my wife just turned 55. I have been reading about the file and suspend option offered by social security and the fact that it will become unavailable later this year. It seems the primary benefit of the file and suspend option is the spousal benefit which does not w...
by peanutbuddy
Wed Apr 01, 2015 9:04 am
Forum: Investing - Help with Personal Investments
Topic: VWENX or VBIAX for long term
Replies: 7
Views: 1903

VWENX or VBIAX for long term

I like to keep things simple so I only invest in a single fund. My wife and I live comfortably on our pensions but I have approximately $400,000 currently invested in VWENX. We are planning to start withdrawing 3% per year to use for other reasons (vacations,etc) - I am wondering if it might be bett...
by peanutbuddy
Thu May 02, 2013 10:23 am
Forum: Investing - Help with Personal Investments
Topic: 2% fee upfront on SPIA purchase
Replies: 2
Views: 731

2% fee upfront on SPIA purchase

I have been investigating annuities (interest is in SPIA type only) and it seems that every company (VANGUARD included) charges at least 2% of the annuity value being purchased upfront. Does anyone have any information on credible companies that charge less for such a product??
by peanutbuddy
Sat Feb 23, 2013 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Part-time jobs
Replies: 26
Views: 3386

Re: Part-time jobs

I am retired (three years) and work 20-25 hours a week at a marina doing all sorts of things from renting pontoon boats to selling bait. The marina is only open six months out of the year so I have lots of time off in the winter months. As crazy as it sounds, everyone who works there is retired and ...
by peanutbuddy
Sat Feb 23, 2013 8:50 am
Forum: Investing - Help with Personal Investments
Topic: taxes on dividends
Replies: 12
Views: 814

taxes on dividends

I live in TN which has no state income tax but does have a 6% state tax on dividends over $2500. It does not have a state tax on capital gains. Using the Wellesley fund as an example if I have my dividends reinvested automatically and sell shares during the year (assuming the share price is higher t...
by peanutbuddy
Wed Feb 06, 2013 11:18 am
Forum: Investing - Help with Personal Investments
Topic: SPIA annuity - use pretax or after tax money
Replies: 3
Views: 391

SPIA annuity - use pretax or after tax money

Is it more beneficial to use pretax or after tax money when buying a fixed income life annuity (SPIA) with me as owner (I'm 59 years old) and my wife as co-owner (she's 52 years old)?
by peanutbuddy
Mon Jan 21, 2013 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: 15% tax rate on bond and stock dividends
Replies: 3
Views: 849

15% tax rate on bond and stock dividends

I keep seeing postings on this site that emphasize bonds should be held in tax deferred (IRA) accounts when possible. Regarding dividends paid on stock funds or bond funds I was under the impression that the dividends for each would be taxed at ordinary income levels if your tax rate is 15% - can an...
by peanutbuddy
Sat Jan 12, 2013 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS etf
Replies: 4
Views: 722

TIPS etf

If I own a TIPS ETF (barclays ishares) and interest rates increase significantly is it possible for me to lose money. I am assuming inflation will increase if interest rates increase and that is why I should own TIPS in the first place.
by peanutbuddy
Sat Dec 22, 2012 6:16 pm
Forum: Investing - Theory, News & General
Topic: Am I paying Vang. money market (VMMXX) to hold my money?
Replies: 44
Views: 8153

Re: Am I paying Vang. money market (VMMXX) to hold my money?

below is a footnote attached to the expense ratio on page 1 of the prospectus for VMMXX - vanguard representatives tell me this ensures you are not currently being charged for holding money in the fund. This is the response I was given when I asked vanguard the question - can anyone else confirm thi...
by peanutbuddy
Wed Dec 05, 2012 8:48 am
Forum: Investing - Theory, News & General
Topic: ETFs or Mutual Funds?
Replies: 13
Views: 1310

Re: ETFs or Mutual Funds?

If I buy the ETF instead of the mutual fund am I going to see the same approximate returns (within 1% or 2%) after five years that I would have seen with the mutual fund??
by peanutbuddy
Tue Dec 04, 2012 8:02 am
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 18
Views: 1157

dollar cost averaging

I am going to invest lump sums of $150,000 in vanguard total stock and $150,000 in vanguard total bond. I have read opinions both ways - some saying dollar cost averaging is the best method to use for such an investment and others saying it really doesn't matter - just invest it all at one time. I h...
by peanutbuddy
Sun Nov 25, 2012 10:46 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio
Replies: 4
Views: 797

3 fund portfolio

I have been researching investment options for $350,000 in IRA money (currently in a CD about to mature) and found this website about a month ago. I have been looking at the postings daily and researching the index fund philosophy. I have posted a portfolio question on this website previously and go...
by peanutbuddy
Tue Nov 13, 2012 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: retiree portfolio
Replies: 14
Views: 1883

Re: retiree portfolio

As others have said, going from all cash to a 50/50 split is a big step. Nothing wrong with allocating some to equities, but I would take it slow and easy. I would dollar cost average in over a period of time. Maybe 12-24 months. The last thing you want is to get spooked out of stocks right after a...
by peanutbuddy
Mon Nov 12, 2012 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: retiree portfolio
Replies: 14
Views: 1883

Re: retiree portfolio

the primary reason from going all cash to stocks/bonds is the low interest rate on CD's for the for the foreseeable future and impending inflation. I plan to keep other funds in CD's as a backup.
by peanutbuddy
Mon Nov 12, 2012 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: retiree portfolio
Replies: 14
Views: 1883

retiree portfolio

My wife and are both retired (She is 55 and I am 59). We own our home, have no debt and live on our pensions for now. We have $500,000 in CD's that will mature in the next six months ($250,00 IRA and $250,000 after tax) and plan to invest it in equities and stocks starting next year. We are both ver...

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