Search found 9 matches

by Brainvest
Mon Oct 09, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1283

Re: Portfolio balancing - what is your best move?

Thanks so much again for your recommendations Yes I am adding to the 401a and 403b thru payroll (this is my University payroll, which is way smaller than the Medical Center payroll than funds the 401k) I am a physician and surgeon that has been misleaded until very recently by insurance salesman/fin...
by Brainvest
Sat Oct 07, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1283

Re: Portfolio balancing - what is your best move?

Duckie, Thanks again for your advice I like very much your example for the AA As you suggested, I find out there are many other choices for the 401a and 403b There are multiple choices for passive (and active managed) funds from Vanguard, including: Vanguard Developed Markets Index Fund Institutiona...
by Brainvest
Thu Oct 05, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1283

Re: Portfolio balancing - what is your best move?

Thanks Duckie, your answers are very helpful I was thinking on adding some tax exempt bonds to the Taxable so I can "protect" stocks and rebalance in case of stock underperformance/crash Does it make any sense? I would not know how to rebalance the stocks in the taxable account other than by adding ...
by Brainvest
Thu Oct 05, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1283

Re: Portfolio balancing - what is your best move?

No - I have additional 60K for emergency fund on savings account with decent yield
Thanks
by Brainvest
Thu Oct 05, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1283

Portfolio balancing - what is your best move?

I would like to request your advice with rebalancing and adding to my portfolio This is current status: 401k VFORX Vanguard Institutional Target Retirement 2040 ER 0.10% $72,783.38 17% 401k VINIX Vanguard Institutional Index Fund ER 0.02% $91,276.27 22% 401k VEMPX Vanguard Extended Market Index Fund...
by Brainvest
Sat Sep 30, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: New 100K portfolio - which bonds?
Replies: 6
Views: 1045

Re: New 100K portfolio - which bonds?

Thanks ruralavalon, My tax bracket is the highest (income >500K/year) and I pay state taxes (3% at PA) I am 40 yo and plan to retire in 25y My work based accounts offer these bond options: - Vanguard Total Bond Market Index Fund Institutional Plus Shares – ER 0.15% (10y 4.3%) - Vanguard Short-Term U...
by Brainvest
Sat Sep 30, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: New 100K portfolio - which bonds?
Replies: 6
Views: 1045

New 100K portfolio - which bonds?

Dear friends, I would like to request your feedback I know there are hundreds of options for assets allocation, just want to make sure I am not making bad decisions with my 100K investment (plus 5K/month) I already have maxed 401, 403, 457, backdoor Roth, and doing 529s (I am 40yo at the high-income...
by Brainvest
Sat Sep 16, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 1048

Re: Should I dump (W)Hole Life Insurance and Variable Insurance

I am trying to make predictions and comparisons - I am assuming a 5% return with 3% standard deviation Please help me out and correct my mistaken assumptions These are the policies parameters: 1- WLI - $2000/ month for 25 years (total 600K) Guaranteed Cash Value 680K Net Cash (estimated dividends) –...
by Brainvest
Fri Sep 15, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 1048

Should I dump (W)Hole Life Insurance and Variable Insurance

Should I dump WLI and assumes losses of approx 45K or give it a chance? WLI since 2013 - 24K year premium - Total value 109K - Cash value 70K Once I got some extra income I was sold into: Variable LI (April 2017) - 30K year premium - Total Value 12K - Cash surrender value after charges 5,5K Income i...