Search found 860 matches

by SeeMoe
Thu Jan 18, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7085

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Why would any Boglehead pay so much money just to be told to fire his/her financial advisor? As a capitalist, I think the money can be better utilized by investing in index funds. Well, we fired our financial advisor after one year because We didn’t like the restrictions imposed on us. Plus we were...
by SeeMoe
Thu Jan 18, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bond investing for a very long retirement?
Replies: 35
Views: 2433

Re: Bond investing for a very long retirement?

You better spend a few bucks and consult a money manger to get some more ideas and guidance before pulling the plug. IMHO. We retired 22 years ago with good pensions that covered all costs plus big vacations abroad too. Plus we could still invest bucks into our 60/40 AA that we kept until a few year...
by SeeMoe
Mon Jan 15, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: how to figure out the assest allocation that you can sleep well with
Replies: 22
Views: 1875

Re: how to figure out the assest allocation that you can sleep well with

I believe it was Warren Buffet who recently berated institional pension funds for not being 100% invested in equities! Other experts suggest young long term investors do likewise until in their mid 50’s. Ours were never more than 60/40 until after starting the T-IRA RMD’s. Now we are at a 40/60 AA. ...
by SeeMoe
Sun Jan 07, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 4193

Re: Corporate bonds vs. Treasuries

Our short and intermediate investment grade corporate bonds are in our T-IRA’s as well as some high yield bonds with the other being total bond index. Folios are retiree type @40/60 AA with tax exempt bonds , intermediate, limited, Pa. Long term. Plus some total bond index and Vanguard says it is t...
by SeeMoe
Sat Jan 06, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 4193

Re: Corporate bonds vs. Treasuries

Our short and intermediate investment grade corporate bonds are in our T-IRA’s as well as some high yield bonds with the other being total bond index. Folios are retiree type @40/60 AA with tax exempt bonds , intermediate, limited, Pa. Long term. Plus some total bond index and Vanguard says it is ta...
by SeeMoe
Tue Jan 02, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: Active Core Bond Beats Total Index in 2017
Replies: 11
Views: 1885

Re: Active Core Bond Beats Total Index in 2017

I own the Core Bond Fund after dumping the Vanguard total international bond fund after reading a lot of negatives here that say it is not worth the headaches what with hedging and some questionable foreign governments financial practices. So after a year, I’m thinking about exchanging 50% of the Co...
by SeeMoe
Mon Dec 25, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic RMDs to be effected by Vanguard
Replies: 23
Views: 2459

Re: Automatic RMDs to be effected by Vanguard

Earlier this year I set up Automatic RMDs on the Vanguard website to occur on 12-22-2017 for both my tIRA and DW tIRA. As of today 12-23 this has not happened according to the site. I just sent Vanguard a message via their site and plan to call them on Tuesday 12-26 to find out why. Has anyone else...
by SeeMoe
Sun Dec 24, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Social Security - First Monthly Benefit Receipt
Replies: 10
Views: 1325

Re: Social Security - First Monthly Benefit Receipt

No, you will receive your first "check" on March 21 in your case. Payment is made in either the second, third, or fourth Wednesday depending on your day of birth: 1-10: Second Wednesday 11-20: Third Wednesday 21-31: Fourth Wednesday If your birthday is on the second of the month to the last day of ...
by SeeMoe
Mon Dec 04, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 13025

Re: One answer to the Dividend stocks puzzle from behavioral finance

I am reading Meir Statman's " Finance for Normal People " published a few months ago which is an up-to-date compendium of many of the interesting findings from behavioral finance research. I recommend folks who enjoyed Kahneman's T hinking, Fast & Slow and Zweig's " Your Money and Your Brain " to p...
by SeeMoe
Sun Dec 03, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Avoid High Ranked Funds
Replies: 9
Views: 2061

Re: Larry Swedroe: Avoid High Ranked Funds

Excellent article per human nature, bias and greed. Guess that I have been following Vanguard advice regards not chasing after past results and staying the course with a long term AA. Plus investing in good index funds. I was surprised only 15% of individual investors have (index funds)them! Also su...
by SeeMoe
Tue Nov 28, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 8045

Re: CNBC says Vanguard says 70% Chance of "Correction"

I’ve been taking some cream off of the top of my/our stock portfolio recently as a way of rebalancing anyway. This bull is really stretched out now, but CNBC guests also think there is more bull in this market going into next year,...or so. In any event we are set to ride the bull whatever the futur...
by SeeMoe
Thu Oct 19, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6949

Re: Larry Swedroe:Better To Face The Correction

BLACK MONDAY, 19 October 1987 stories today gave me the cold chills along with worries by pundits concerning this long, long bull market. That said, I think exchanging 2%-3% of equities to tax exempt bonds is in our interest now as the AA is a bit stock heavy of late. Like taking some pure cream off...
by SeeMoe
Thu Oct 19, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Pulling some profits
Replies: 13
Views: 2089

Re: Pulling some profits

As for me, I am taking some profits and allocating them to tax exempt income funds since the stock portion of the AA is higher now, and can use an adjustment of 2%-3%..
SeeMoe.. :wink:
by SeeMoe
Wed Sep 20, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: What will happen to a USD Hedged fund if the USD Declines, VTABX
Replies: 9
Views: 1255

Re: What will happen to a USD Hedged fund if the USD Declines, VTABX

alex_686 wrote:
Sun Sep 17, 2017 1:47 pm
If the fund is hedge then nothing. It does not participate in gains if the dollar weakens, it does not participate in losses if the dollar strengthens. It is hedged.
Good , fast explanation per hedging.
SeeMoee.. :beer
by SeeMoe
Sat Jul 29, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 9939

Re: Can a TIPS ladder 'fail' ?

Yeah, but TIPS don't payout much compared to corporate bonds or regular treasury funds. They are almost as plain as short term CD's today. Paying out just chump change. Right? SeeMoe.. :annoyed If "payout" means the size of the semi-annual coupon payments, then you are right. If "payout" refers to ...
by SeeMoe
Thu Jul 27, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 9939

Re: Can a TIPS ladder 'fail' ?

Yeah, but TIPS don't payout much compared to corporate bonds or regular treasury funds. They are almost as plain as short term CD's today. Paying out just chump change. Right? SeeMoe.. :annoyed If "payout" means the size of the semi-annual coupon payments, then you are right. If "payout" refers to ...
by SeeMoe
Tue Jul 25, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 9939

Re: Can a TIPS ladder 'fail' ?

A "ladder" invokes an unfortunate analogy. A ladder to climb to the roof frequently fails. In contrast, a TIPS ladder is a stairway to heaven. Yeah, but TIPS don't payout much compared to corporate bonds or regular treasury funds. They are almost as plain as short term CD's today. Paying out just c...
by SeeMoe
Tue Jul 25, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Re-allocating into 3-Fund Portfolio
Replies: 16
Views: 2123

Re: Re-allocating into 3-Fund Portfolio

Welcome to the forum :) . Asset allocation. Age: 51, Wife: 48 Desired Asset allocation: 80% stocks/20% bonds (I know this is aggressive, and I’m open to input) Portfolio (Total Investable Assets): 1.5mm Desired International allocation: 15-20% of stocks At ages 48 and 51 I suggest an asset allocati...
by SeeMoe
Tue Jul 25, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 21
Views: 3056

Re: Delaying pension benefits - what would you do?

Your SS starts at age 66, so wait one year then go for the gold! Meantime payoff any outstanding bills and consider downsizing in general. After a year or so of relaxing and being free, look into part-time jobs if you feel like it, or let the wife continue working maybe. SeeMoe, retired 21+ years an...
by SeeMoe
Mon Jul 24, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 44
Views: 5550

Re: Federal employees considering early out - buyout?

I retired in my early 50's and believe it helped me age better with quality food eaten when I feel hungry. Plus the lack of stress and anxiety working with humans that I would never associate with in private life....Etc. SeeMoe.. :!: It hasn't been offered yet (early out or buyout) at my agency, bu...
by SeeMoe
Fri Jul 21, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5878

Re: When to stop being "concerned"

We've been retired over 21 years now and taking RMD's(that are reinvested)end of year. Are long time Flagship members with a 40/60 AA, always maintaining $20k in the bank for bills and frills. Stopped the big, mostly foreign, vacations as we tired of it. Always have had new cars from dodges to Honda...
by SeeMoe
Wed Jul 19, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: How much to put in a 457?
Replies: 7
Views: 741

Re: How much to put in a 457?

We maxed out our 457's and T-IRA accounts right up to retiring in our early 50's. The tax savings were significant and allowed us to live well during those working/accumulating years. Rolled the 457's over to the Vanguard IRA accounts and receive taxable RMD's now. Glad to pay the taxes too! Our AA ...
by SeeMoe
Wed Jul 19, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity interest rates
Replies: 20
Views: 2610

Re: Fidelity interest rates

Maybe it is helping out the Fidelity Johnson Family's bottom line a wee bit. Read where their net worth is nearly $22 billion dollars USD since starting Fidelity in 1947. That's a lot of profit, not to mention employee payroll and operating costs over the years. Someone has to pay " their" bills,......
by SeeMoe
Tue Jul 11, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Bad 457 Option!
Replies: 17
Views: 941

Re: Bad 457 Option!

Yes, fund the 457 to the maximum! We both had 457 plans, plus T-IRA plans that we funded fully mainly for the nice tax incentives during our working years, and the 457's both changed investment companies over the years. Some good, one not so good, but so what. The bucks are stilled deferred. When we...
by SeeMoe
Mon Jul 10, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 159
Views: 13005

Re: Long term care insurance - is it worth it?

The great Dave Ramsey suggested getting Long Term Care insurance at around 60 so I took his advice. My sister, who works in insurance, decided to self fund. After a couple of years of over 4k premiums the cost went up to over 5k for me and my wife. I decided to cancel the policy after paying about ...
by SeeMoe
Mon Jul 10, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3970

Re: The cost of car ownership

Prestige is my reason for going with the "S" class Mercedes Benz GLS450 in 2017. It is startling to see heads turn and just stare when I blast over a hill lock, curve or just a drive through the neighborhood with this beauty in Cardinal Red and a glowing Mercedes star at nighttime....So much prestig...
by SeeMoe
Sun Jul 09, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Weak Evidence for International in Vanguard Research - Am I Missing Something?
Replies: 77
Views: 7021

Re: Weak Evidence for International in Vanguard Research - Am I Missing Something?

I'm roughly 26% international stock index fund now. Down from 40% when I had a Vanguard advisor service agent. Have zero international bond index now too. It was about 30% of the bonds in our senior 40/60 AA folios. Just don't care for international bonds what with hedging, converting to USD...Am I ...
by SeeMoe
Sun Jul 09, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Financial check up/Am I ready to buy a house?
Replies: 12
Views: 1009

Re: Financial check up/Am I ready to buy a house?

I'd pay off the 6% student loans tomorrow. Then replenish (and supersede) emergency fund and down payment fund. Of course, continue to contribute to 401k and Roth IRA along the way. In my view, you're close to getting into the starter house you desire, but it's a stretch right now. Good advice. I'd...
by SeeMoe
Sat Jul 08, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8776

Re: Switch to federal job?

Anecdotally, every federal worker I know personally works fewer hours for similar pay but better benefits than their private sector counterparts once they have been in the job for awhile. Will not always be true, but at least is the case in my line of work. (GS-12/13/14 jobs). "Good enough for gove...
by SeeMoe
Sat Jul 08, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 11
Views: 1933

Re: "My Favorite Mutual Fund"

Good article that I can relate to in that Our core stock fund is "The Tax Managed Capital Appreciation" fund. Like it for less small Cap. Risk at our age. The Total Bond Index fund is our core bond fund as well.

SeeMoe.. :mrgreen:
by SeeMoe
Fri Jul 07, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 6866

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

It looks ok to me. We retired in our early 50's with about 1/2 million in 60/40 AA folios, no debt and a paid off cottage in the woods of upstate Pennsylvania. Plus, as I recall, about $60k in pensions with limited COLA's. Did lots of foreign travel and Florida for a month in winter,....and still ha...
by SeeMoe
Fri Jul 07, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 4523

Re: Buy a vehicle cash or finance?

Pay off the car STAT! Your credit union has low usery rates and that is the only interest you will have to pay. Then pay that loan off fast! Be free of debt for awhile and enjoy it by saving more until the next cycle begins...

SeeMoe.. :?
by SeeMoe
Thu Jul 06, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: J. Clements' Perspective: Past Perfect, Future Tense
Replies: 21
Views: 3153

Re: J. Clements' Perspective: Past Perfect, Future Tense

We've been retired going on 22 years now and are taking RMD's at the end of each year with a 40/60 AA now. Going to reduce it gradually to a final 35/65 mix . That said, we hear the rumblings on CNBC, Etc. that a correction is coming down the pike,...But that is how markets work. Mr. Bogle said that...
by SeeMoe
Thu Jul 06, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes
Replies: 31
Views: 4204

Re: Paying estimated taxes

Been doing ES tax payments for years now via our credit unions "billypayer" option that is done automatically every quarter. There is room on the bill payer App to list your SS#, last name with initial, the current year and ES1040. ( Very important to list the year, or the IRS clerk my give credit t...
by SeeMoe
Thu Jul 06, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 3210

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

...Cheap is as cheap gets in the long run... SeeMoe.. 8-) Not necessarily my experience. If you make an informed purchase, the price isn't necessarily a reflection of the outcome. BTW, as a reflection of dealer quality, the OP mentioned early on that the Mercedes dealer didn't even know what type o...
by SeeMoe
Thu Jul 06, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 3210

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

You Should let MERCEDES do the job! I own a 2017 GLS 450 W4 and wife is trading up for a 2018 GLE 350W4. Would not take those fine turned machines anywhere but the Mercedes dealer for service either,...Do you burn cheap gas in that Mercedes of yours? Think not! Same for service.... SeeMoe.. :annoye...
by SeeMoe
Wed Jul 05, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 3210

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

You Should let MERCEDES do the job! I own a 2017 GLS 450 W4 and wife is trading up for a 2018 GLE 350W4. Would not take those fine turned machines anywhere but the Mercedes dealer for service either,...Do you burn cheap gas in that Mercedes of yours? Think not! Same for service.... SeeMoe.. :annoye...
by SeeMoe
Tue Jul 04, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Brake Pads and Rotors for 2011 Benz C300 4Matic?
Replies: 43
Views: 3210

Re: Brake Pads and Rotors for 2011 Benz C300 4Matic?

HI all, Technician at MB told me pads and rotors need to be replaced. Not a surprise at 68k. Can't get a straight story on ceramic or semi metallic. He's calling me back to let me know what OEM is for the car. I have no intention of having MB do this work. Live in New England so it gets cold. Shoul...
by SeeMoe
Tue Jul 04, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 153
Views: 24594

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

My credit Union MM stubbornly pays a 0.20% dividend, and checking is 0.10%. Better than most banks though! So I have been depositing excess cash into our joint Prime Money Market account for a few months now. Partly for a 2018 AMG GLE43 (C4) coupe on order for September. But we will continue using t...
by SeeMoe
Mon Jul 03, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground
Replies: 52
Views: 8765

Re: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground

Just a junior reporters blatherings for attention it appears. $4 trillion dollars in investments means a real nice profit for Vanguard even at , say, 5/100% of the pie....So what! SeeMoe.. :annoyed You may be forgetting about costs. Oh? The 500 index fund only costs the Admiral investor 5/100 of on...
by SeeMoe
Mon Jul 03, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground
Replies: 52
Views: 8765

Re: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground

Just a junior reporters blatherings for attention it appears. $4 trillion dollars in investments means a real nice profit for Vanguard even at , say, 5/100% of the pie....So what!

SeeMoe.. :annoyed
by SeeMoe
Sun Jul 02, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Chances of delaying Social Security to age 70. Realistic?
Replies: 54
Views: 4767

Re: Chances of delaying Social Security to age 70. Realistic?

If ever there was a " bird in hand" program that could be altered and reduced significantly it is the shaky Social Security program for seniors. My philosophy is to grab a hold of it as soon as it becomes available to you! If you don't really need the income, then invest it and let it grow, taking ...
by SeeMoe
Sat Jul 01, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with IRA's if 457(b)?
Replies: 16
Views: 1534

Re: Why bother with IRA's if 457(b)?

We did both in our 457's and T IRA accounts with huge tax savings during the working years that allowed for doing fun stuff and new cars every 3-4 years. So now we pay tax on the RMD's...Gladly! (Rolled the 457' s over to the respective T IRA accounts when we retired.)

SeeMoe.. :mrgreen:
by SeeMoe
Sat Jul 01, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chances of delaying Social Security to age 70. Realistic?
Replies: 54
Views: 4767

Re: Chances of delaying Social Security to age 70. Realistic?

If ever there was a " bird in hand" program that could be altered and reduced significantly it is the shaky Social Security program for seniors. My philosophy is to grab a hold of it as soon as it becomes available to you! If you don't really need the income, then invest it and let it grow, taking a...
by SeeMoe
Fri Jun 30, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Hiring an executor for my will
Replies: 72
Views: 8458

Re: Hiring an executor for my will

Over the years we had 3 different extended family members added to the will as executors and none were really into it we found. One even began deciding where we should allocate money now! Finally we found a lawyer whom we trust and he is also the lawyer to a close friend, who will do the executor jo...
by SeeMoe
Thu Jun 29, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth - thanks to this site
Replies: 15
Views: 3915

Re: Net worth - thanks to this site

You are welcome.

SeeMoe.. :twisted:
by SeeMoe
Thu Jun 29, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: "How Do Your Financial Priorities Stack Up With Our Pyramid?"
Replies: 36
Views: 5094

Re: "How Do Your Financial Priorities Stack Up With Our Pyramid?"

Good chart! Like the one where taxes are located in that too many DIY's seem obsessed with avoiding taxes over the big picture. A Philly radio host who covered the markets used to often say " Be glad that you are paying taxes on your investment folios, it is proof that you are successful." I followe...
by SeeMoe
Tue Jun 27, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 10409

Re: Costco vs. Amazon - Thoughts of Prime Members?

Never used COSTCO because we became jaded at SAM's Club having to buy stuff in bulk and then not using it. So, so quality products too. Conversely, we are big fans of AMAZON Prime! Easy to deal with and short wait time for the good stuff arriving via the postal services to include the latest models ...
by SeeMoe
Mon Jun 26, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 7711

Re: Your Favorite Vanguard Fund

I was drawn to funds with interesting names such as Windsor and Wellington back in the day without knowing their mechanics. Later I began looking at funds in a different light and the Equity Income fund served my IRA well for many years during the accumulation period. Now the IRA's are 100% bond fun...
by SeeMoe
Sun Jun 25, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 7639

Re: International Stocks - New thoughts

We reduced our total international stock index fund to about 25% in January and ,due to a good run, it is about 27% of the folio now. Our( age 70 plus )AA is 40/60 with about $20k always in a separate bank account for bills. Nobody has mentioned " total international bond index funds" in their folio...