Bogleheads.org

We currently have $350,000 pre-tax dollars invested in the wellesley fund and $350,000 after-tax dollars invested in a CD with my credit union. My wife and I are both 64 and we do spend the interest off the CD's and the dividends and capital gains from the wellesley fund each year. That along with o...

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...

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...

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??

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 ...

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...

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)?

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...

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.

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...

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??

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...

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...

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...

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.

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...