Search found 12 matches

by jenw930
Sat Aug 11, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Diversified enough? Large portfolio need direction,
Replies: 6
Views: 781

Re: Diversified enough? Large portfolio need direction,

Thank you for the input...yes the single stock is in taxable and has huge cap gains...bought at $20, stepped up at Dad’s death to $70 5 years ago and at $160 today. We have reduced in it half in the last few years and she doesn’t want to go lower. (Plus it will get stepped up at her passing) If we c...
by jenw930
Sat Aug 11, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Diversified enough? Large portfolio need direction,
Replies: 6
Views: 781

Diversified enough? Large portfolio need direction,

Helping Mom manage assets. She has ongoing concerns about market and pulled some out to purchase several rental properties last year. Checking on AA and assumptions. Below does not count personal residence or 1 yr expenses in cash. SS, a small pension and her RMD covers her expenses each year but sh...
by jenw930
Sat Aug 11, 2018 1:37 am
Forum: Investing - Help with Personal Investments
Topic: AA and withdrawal rate suggestions
Replies: 1
Views: 305

AA and withdrawal rate suggestions

Church had a windfall that we want to use to establish a maintenance reserve. Capital needs are $50 to $75k per year but we stretch and make do on a lot less and just completed some major replacements (roof and AC) so anticipate needing $30 k per year for the next 3 years. Thinking to combine invest...
by jenw930
Sun Aug 05, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8211

Re: Portfolio Review, Age 31, $1.5 million net worth

Excellent job OP. I’m new to BH but have been around a few blocks with charitable donations and estate planning. 1. YES do a will. Better yet, get a trust and retitle your assets before it gets more complex. A simple trust costs under $2k and the hassle is SO worth it in the long run. The thought pr...
by jenw930
Mon Dec 04, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Who keeps more money out of 100k? Self-employed vs Employed?
Replies: 39
Views: 3574

Re: Who keeps more money out of 100k? Self-employed vs Employed?

Other factors: Self-employed pays both halves of SS/Med - employee pays 7.65% and company pays the same. One of the factors I am weighing in a new business venture in property management. Set up S Corp and have had some 1099 income in last few years so making estimated tax payments to avoid penaltie...
by jenw930
Sun Oct 22, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2812

Re: Help! - New Believer and overwhelmed

Thank you everyone! Thanks McGilicutty for the ER info for the funds. I had been trying to edit my original post and was having trouble. Thanks for the input My Name - great thoughts. She has gotten all of her legal documents in order and has an excellent attorney and decent CPA. She has been led ar...
by jenw930
Sun Oct 22, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2812

Re: HALP! - New Believer and overwhelmed

Thank you all for your input - tons of great info to research. A couple of follow ups:

Assume safer AA of 50/50 with 30% of stocks in international index

1. Fixed portion should be held in her IRA, correct?
2. Any suggestions for fixed funds? All-in-one fund? TIP allocation?
by jenw930
Sun Oct 22, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2812

Re: HALP! - New Believer and overwhelmed

=$644,000 I don't think that is enough, even for a 'short' 10 year planning period. 90/10 AA seems way excessive. 50/50 would be more like it and I like heavy stock exposure. With 90/10 one bad year in the market kills the plan. Any thoughts on which Fixed ETFs? Bond funds are a complete mystery to...
by jenw930
Sun Oct 22, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2812

Re: HALP! - New Believer and overwhelmed

She keeps enough tax withholding to cover her taxes (Fed only - FL has no state income tax) and always gets a refund. She itemizes deductions (25 to 30k) so she is paying tax on a lower AGI. I noticed the savings drain last year and bumped her IRA withdrawal since the RMD table Fidelity uses (Unifor...
by jenw930
Sat Oct 21, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help! - New Believer and overwhelmed
Replies: 20
Views: 2812

Help! - New Believer and overwhelmed

Hello Boggleheads - I could use some input on an investment strategy for a family member in the withdrawal phase of retirement. Widow, 78 yo in poor health - we are working on consolidating far-flung accounts with no strategy and I keep getting distracted by shiny objects. (Like Fidelity Managed acc...
by jenw930
Sun May 21, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Advice for Endowment Investing Allocation - 3 fund?
Replies: 10
Views: 1112

Re: Advice for Endowment Investing Allocation - 3 fund?

Thanks all for the input. The church has been following a conservative approach for many years but the decision was made to return to the original IPS drafted when the fund was established. Due to the extremely long term of the fund, we have the ability to ride out dips or even a crash. The grants a...
by jenw930
Sun May 21, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Advice for Endowment Investing Allocation - 3 fund?
Replies: 10
Views: 1112

Advice for Endowment Investing Allocation - 3 fund?

Hello all I am the Treasurer for my church and we have a small endowment fund ($300k) that we are planning to move away from a managed fund for all the insane fee reasons that everyone has mentioned. We are reviewing a couple of portfolios and I would love to get input on them. We are trying for a l...