Search found 33 matches

by woodedareas
Sat Nov 28, 2015 11:43 am
Forum: Investing - Help with Personal Investments
Topic: CD versus Vanguard Life Stategy Income
Replies: 1
Views: 399

CD versus Vanguard Life Stategy Income

If Vanguard Life Strategy Income fund is doing about 1%, would it not Make sense to buy CD,s @ about 1.2'% and have no risk? I am 75 and possibly the rates may be higher for 2016.Neither option helps very much but the CD's seem safer and without risk? I will,of course wait for th Fed to make up,thei...
by woodedareas
Wed Oct 21, 2015 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Income Fund
Replies: 19
Views: 2316

Re: Life Strategy Income Fund

Thanks so much for the excellent responses to my question and concerns. I know my profession but investing is not my expertise. The Boglehead advice is better and more qualified than I could expect from any investment adviser. By the way stay away from the free financial reports from Vanguard. They ...
by woodedareas
Tue Oct 20, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Income Fund
Replies: 19
Views: 2316

Re: Life Strategy Income Fund

Good and thoughtful comment. All of my concerns and probably the concerns and worries of seniors would not exist if the Fed stopped playing with the system. I hope I am around long enough to see a rise in interest rates. Old folks like me are playing with fire in the stock market and thus originates...
by woodedareas
Mon Oct 19, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Income Fund
Replies: 19
Views: 2316

Re: Life Strategy Income Fund

My situation is that I still work and if my health holds out I will do so for several years. I do not need any income at this time but felt I would begin to place some of my assets into this fund with the expectation of 3% return which is all I would need upon retirement. I have other assets that ar...
by woodedareas
Sun Oct 18, 2015 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Income Fund
Replies: 19
Views: 2316

Life Strategy Income Fund

The Vanguard. Life Stategy Income Fund seems to have the AA that meets my needs at the age of 75. I am not certain the fund will do much better than 1% or slightly more this year. Yet at this age I can not accept any more risk. Is it worth taking risk for such a modest return? If rates ever went to ...
by woodedareas
Sat Oct 10, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: [Asset allocation for a] 75 year old
Replies: 12
Views: 1434

Re: The Three Fund Portfolio

[Moved into here from: The Three Fund Portfolio , see below. --admin LadyGeek] I use Vanguard,s Life Strtegy Income Fund which essentially is comprised of index funds.My question is very simple..... In addition I have 10 blue chip stocks that I have had for years on the assumption they would serve ...
by woodedareas
Thu Aug 27, 2015 6:33 am
Forum: Investing - Theory, News & General
Topic: Admiral Shares
Replies: 6
Views: 824

Admiral Shares

What is the purpose and benefit of Admiral shares?
by woodedareas
Wed Aug 26, 2015 7:14 am
Forum: Investing - Theory, News & General
Topic: John Greaney reviews Vanguard Personal Advisor Services
Replies: 14
Views: 2300

Re: John Greaney reviews Vanguard Personal Advisor Services

VG also offers a one time financial report if you have over a million or so in V. This is of course different than a managed account as referred to in this post. I availed myself of this free service and received the worst financial report that I have ever seen. I called and complained about their a...
by woodedareas
Tue Aug 11, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Asset allocation for a] 75 year old
Replies: 12
Views: 1434

Re: 75 year old

Could you explain the rationale forTIAA. I am interested in your reason for TIAA and I agree with your concern for higher interest rates. I am watching the potential rate increase.
by woodedareas
Tue Aug 11, 2015 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: [Asset allocation for a] 75 year old
Replies: 12
Views: 1434

[Asset allocation for a] 75 year old

Simply said I am in The V Life Strategy Income Fund. About 80% Bond Index and about 20% Equity Index. I have over 2 million $. Any suggested changes? I like the fact it rebalances. My question about suggestions, pertains to assest allocation for a 75 year old. I am not concerned about return but pre...
by woodedareas
Mon Feb 25, 2013 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1512

Re: Senior Years?

Lev
I agree. You nailed it.
woodedareas
by woodedareas
Mon Feb 25, 2013 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1512

Re: Senior Years?

Mitchell777. You are correct about selling the business. Yes I have been approached several times to sell the business and I seriously considered it. I turned it down as I really enjoy my profession and if I retired from it I would basically sleep in a chair all day. I was quite ill about 10 years a...
by woodedareas
Sun Feb 24, 2013 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1512

Re: Senior Years?

My comment about not having to take any risk at this time is that I own a company and I can work as long as my mind works. In this respect I can live very comfortably with my income from employment. I do not need to use any savings or IRA's. Although I would like to grow my savings I have no need to...
by woodedareas
Sun Feb 24, 2013 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Senior Years?
Replies: 16
Views: 1512

Senior Years?

I am 73 and my wife is 66, and we have been doing well by purchasing corporate bonds, CD's and a limited equity portfolio, mostly in IRA's. About everything has been called and we are sitting on 50% cash. I continue to work so I have an income and we receive social security, and compulsory withdrawa...
by woodedareas
Thu Dec 20, 2012 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds or VTINX (Target Retirement Income)
Replies: 7
Views: 1402

Index Funds or VTINX (Target Retirement Income)

I am 70 years old and after much research and a conversation with a Vanguard senior investment advisor I am about to use some of my IRA funds in the Target Retirement Income Fund (VTINX). It has an AA of about 70/30. I was previously considering simply using 70% in the Vanguard total bond index and ...
by woodedareas
Thu Nov 29, 2012 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1541

Re: Lost

Illinois is essentially bankrupt and I could not trust these folks to honor any commitment. They can not pay their bills and I doubt that anyone should have confidence that they would have the funds or the willingness to pay or refund a loss of this nature. The Illinois Insurance Commissioner is ver...
by woodedareas
Mon Nov 26, 2012 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1541

Re: SPIAs

Taylor First thank you for your advice. Is there any percent of my total portfolio that I should consider for a SPIA? Lost: Based on the information you provided, I agree with Peter that a single premium immediate annuity (SPIA) could be an excellent solution for your fear. SPIAs provide the largest...
by woodedareas
Mon Nov 26, 2012 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1541

Re: Lost

I had never really considered an SPIA, until this post. I guess my concern has been that I would be investing a lot of money and that perhaps the insurance company would go under which happened to me once with some life insurance. I live in Illinois and I can not rely on any agency of State governme...
by woodedareas
Sun Nov 25, 2012 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1541

Lost

I don't know if I am lost or simply scared about investing. I have been a recent follower of this forum and was about to invest at a AA of 70/20 (equities) and 10 cash. I am 72 and still working so I do not have to take any risk.However I have a substantial amount of cash that exists due to CDs and ...
by woodedareas
Sun Nov 18, 2012 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds are deal now
Replies: 10
Views: 2663

Re: I bonds are deal now

Sorry for my ignorance but how do you get 1.75% return? I looked them up and if I read the chart correctly the return is 0 plus about .75 for inflation.
by woodedareas
Sun Oct 07, 2012 12:51 pm
Forum: Investing - Theory, News & General
Topic: TIPS ladder in retirement
Replies: 14
Views: 1349

Re: TIPS ladder in retirement

These are great charts. When I sort of have it figured out, I realize I ca not figure it out. I will have to side with low risk and low returns. Both charts pushe me to purchase individual corporate bonds even with longer maturities and with Highly rated companies.
by woodedareas
Sat Oct 06, 2012 9:26 am
Forum: Investing - Help with Personal Investments
Topic: [Portfolio help - deferring] Suggestions Following Election
Replies: 3
Views: 378

[Portfolio help - deferring] Suggestions Following Election

I am rather heavy in cash and over 70. I have selected a asset allocation of about 70% and 30% but am to conservative to jump into it. II am doing nothing until after the election , but I have decided that I would like to invest in what i would refer to as fixed income with a goal of between 2% an 4...
by woodedareas
Sun Sep 23, 2012 7:03 am
Forum: Investing - Theory, News & General
Topic: Tips on answering the question - What Should I Do?
Replies: 163
Views: 214979

Re:

Rick, with all due respect, I must disagree with what you are saying. I understand that your advice is straight from the Diehard playbook, but this time it is different. If one were to consult with the 10 most respected authorities on the economy (you pick) all would say that this crisis is at leas...
by woodedareas
Sat Sep 22, 2012 9:52 am
Forum: Investing - Theory, News & General
Topic: Tips on answering the question - What Should I Do?
Replies: 163
Views: 214979

Re: Tips on answering the question - What Should I Do?

I have read this thread several times and forgive me but the very concept of asset allocation must be re-examined during these times. Many readers probably believe the Bogle of general index investing into a few groups and generally i do not agree. But that is where we are in a different world today...
by woodedareas
Sat Sep 01, 2012 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Money Mag Article
Replies: 74
Views: 14423

Re: Money Mag Article

After careful planning I thought I was moving forward with 70/30( bonds) in the Index Funds with some adjustment. I agree with Bernstein but now I am completely lost. I don't want any further risk now that I am over 70 but need a minimum of 4% preferably 5%. Should I continue on with my proposed inv...
by woodedareas
Sun Aug 26, 2012 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: most conservative AA
Replies: 20
Views: 2343

Re: most conservative AA

I was fascinated by all of these suggestions and they are worth considering as I am in the 70year category.It would be beneficial knowing the return each of these scenarios would generate under current conditions. I would have added one more factor and it is more procedural than economic. Don't make...
by woodedareas
Sun Aug 26, 2012 11:59 am
Forum: Investing - Help with Personal Investments
Topic: [holding high bond allocation when interest rates rise]
Replies: 24
Views: 2988

[holding high bond allocation when interest rates rise]

Since I am new to this forum . I have a question that arose today with several friends of mine who are about 70 years old. If we have an assest allocations of about 70% in bonds and about 30% in equities and are using the index funds, what adjustment do we make when the economy improves and interest...
by woodedareas
Fri Aug 24, 2012 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Will the real Total Bond Index Fund please stand up?
Replies: 30
Views: 5444

Re: Will the real Total Bond Index Fund please stand up?

I am following this discussion and my take is that regardless of the mix, and investor in an index fund really has no control other than to observe the market and accept the consequences. Then why wouldn't it make more sense to buy individual corporates with a promised return and highly rated, so yo...
by woodedareas
Fri Aug 24, 2012 8:30 am
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2993

Re: I am 72

I was asked about my portfolio and asset allocation . I have about 80% in bonds. But they are all corporate bonds, rated about AA and provide a stepped return. They are mostly subject to call after one year. lately very few of these investments are available. I have never used a bond fund as it seem...
by woodedareas
Thu Aug 23, 2012 7:55 am
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2993

Re: I am 72

JOHNM You are correct about bond funds losing $ and inflation. It is for this reason I never purchased a bond fund but always purchased individual corporate bonds that were properly rated and paid a reasonable return. The bond index as recommended in these post seems as an alternative but must be am...
by woodedareas
Wed Aug 22, 2012 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2993

Re: I am 72

In terms of my taxable accounts I am in a high bracket so I am very sensitive to investments that will aid in reducing my taxes and thus my income. It may sound extreme but over the years I have invested for a safe and reliable return without regard to taxes. In this respect I am more concerned abou...
by woodedareas
Wed Aug 22, 2012 9:19 am
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2993

Re: I am 72

The 3 fund portfolio is very interesting. I own a small company and for decades managed the company retirement program. I invested very simply with the concept of a almost guaranteed return and no loss of principal. Some of the younger employees complained about my lack of attention to equities for ...
by woodedareas
Tue Aug 21, 2012 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: I am 72
Replies: 19
Views: 2993

I am 72

I am new to Bogleheads and find it instructive. I am 72 and have invested without a specific asset allocation other than a very conservative approach. That is to not lose my principal. I would appreciate some suggestions on a combination of funds with about 65 to 70% in non equities. I hesitate to s...

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