Search found 87 matches

by UNI4MER
Tue Oct 07, 2014 11:35 am
Forum: Investing - Help with Personal Investments
Topic: mortgage payoff
Replies: 7
Views: 1242

Re: mortgage payoff

I'm all for having the mortgage paid off by retirement time, so I'm tempted to say, go for it! But, we need some more info... what's the retirement situation looking like? Is there going to be a pension coming monthly, taking SS early, living off savings/investments, etc...? What will the income to...
by UNI4MER
Tue Oct 07, 2014 11:27 am
Forum: Investing - Help with Personal Investments
Topic: mortgage payoff
Replies: 7
Views: 1242

Re: mortgage payoff

bdpb wrote:How much is your cash, GNMA, TIPS yielding?

Certainly not 3.8%. Do it.

Rebalance in your tax advantaged accounts.



Great sounds good.
by UNI4MER
Mon Oct 06, 2014 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: mortgage payoff
Replies: 7
Views: 1242

mortgage payoff

Im am 62 approaching retirement and considering paying off my mort. $126K 3.8APR with least amount of cap gains exposure. Can do it with part cash and taking funds out of my taxable GNMA and INF PROT securities that have virtually no exposure. This will throw my AA off in my taxable account to aroun...
by UNI4MER
Sun Nov 11, 2012 5:36 pm
Forum: Investing - Theory, News & General
Topic: How did you make your million(s)?
Replies: 81
Views: 13390

Re: How did you make your million(s)?

I am 60 worked 22 years for a small company which invested an IRA for me then I bought my own business 23 years ago rolled over my ira and got involved with vanguard in asset allocation while did a little dollar cost averaging. Found and used advice on this forum and after the crash in 2008 realloca...
by UNI4MER
Tue Jul 24, 2012 11:09 am
Forum: Investing - Theory, News & General
Topic: int'l equities
Replies: 31
Views: 3633

Re: int'l equities

I apologize for turning this into a political discussion. Regarding market timing-I am not in my 30's for 40's anymore and if I were I would leave things alone. Being 60 with a shorter timeline and knowing I will need growth in equities for the next 10 years my though was to increase my holdings US ...
by UNI4MER
Mon Jul 23, 2012 10:41 pm
Forum: Investing - Theory, News & General
Topic: int'l equities
Replies: 31
Views: 3633

Re: int'l equities

political comment deleted by admin alex
by UNI4MER
Mon Jul 23, 2012 12:13 pm
Forum: Investing - Theory, News & General
Topic: int'l equities
Replies: 31
Views: 3633

Re: int'l equities

johnep wrote:I agree with your assessment. IMO emerging markets is a much better long term investment than Europe. You may want to consider transferring some of your European equity into emerging markets.


I appreciate your responsible reply. Thank you.
by UNI4MER
Sun Jul 22, 2012 7:15 pm
Forum: Investing - Theory, News & General
Topic: int'l equities
Replies: 31
Views: 3633

int'l equities

I am 60 and a long termer and have 50% of my equities in intl. and of that 60% Europe. I can see the Euro fiasco lasting another 10+ years and thinking of rebalancing a portion back into US equities. Your thoughts? Thank you.
by UNI4MER
Sat Dec 10, 2011 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: withdrawal tax rate
Replies: 9
Views: 788

Re: withdrawal tax rate

Does current bracket mean the one you have today or the one you will have when you are retired and drawing down? In either case, your tax is based on all the brackets, not just the last one. For example (using totally fictional brackets), if you have no other income and withdraw $40,000, the first ...
by UNI4MER
Fri Dec 09, 2011 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: withdrawal tax rate
Replies: 9
Views: 788

withdrawal tax rate

Let's say I am retired and need to do withdrawl rate of 4% from both taxable and nontaxable acounts. I assume from IRA withdrawals the tax is based on your current bracket. On ntx withdrawl's it is based both on your current bracket plus cap gains on funds withdrawn? If so how would one accurately p...
by UNI4MER
Sat Oct 15, 2011 9:32 pm
Forum: Investing - Theory, News & General
Topic: How are you doing YTD?
Replies: 68
Views: 4776

out of my 65% in equities 40% is int'l (ouch). Wish VG had a int'l fund weighted much more in china, russia, and brazil as who knows how long the Euro situation will last.
by UNI4MER
Sat Oct 15, 2011 4:28 pm
Forum: Investing - Theory, News & General
Topic: How are you doing YTD?
Replies: 68
Views: 4776

How are you doing YTD?

65 equities 35 bonds I'm down -3.33%
by UNI4MER
Mon Sep 19, 2011 11:56 pm
Forum: Investing - Theory, News & General
Topic: Has there been a time in U.S. investment History Like This?.
Replies: 60
Views: 7460

What is hard is looking at the historical financial data and trying to make a comparision or trend to follow when, for the first time in recent history, our economic policy is pure socialism which does not trend well for growth. Politics are affecting investment outcome more today than ever before.
by UNI4MER
Mon Aug 08, 2011 9:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1059185

As soon as the President appeared on TV, the DOW went from being down "only" 300... to being down 500! Moderator, you can delete my political comment. (Actually, just an observation.) I respect this forum immensly. But I would like to see more flexibility when it comes to subject of polit...
by UNI4MER
Mon Jun 27, 2011 6:48 pm
Forum: Investing - Theory, News & General
Topic: Wether or not to pay off mortgage
Replies: 20
Views: 3519

I'd pay off the mortgage. I wouldn't take money from the tax deferred accounts (or even quit contributing) or cut it close on the emergency fund, but other than that I'd prioritize getting rid of the mortgage. We paid off our last house in about 7 years. Had to move for the job and took a 15 year m...
by UNI4MER
Thu Jun 23, 2011 4:39 pm
Forum: Investing - Theory, News & General
Topic: Wether or not to pay off mortgage
Replies: 20
Views: 3519

Re: Wether or not to pay off mortgage

Here is some red meat for you experts. I am 59, wife and I own a small business in CA, have all my assetts in VG 1.2m ira & savings, no pensions, owe 140K on our residence which we plan on staying in. We have owned the business together for 20 years and that has been our sole income. Business i...
by UNI4MER
Thu Jun 23, 2011 4:27 pm
Forum: Investing - Theory, News & General
Topic: Wether or not to pay off mortgage
Replies: 20
Views: 3519

You really didn't give enough info. If your interest rate on your mortgage is 1%, then I would not pay it off early. If your interest rate on your mortgage is 10%, then I would not hesitate to pay it off. 6% If you do pay it off, where would the money come from? If it comes out of your IRA, then th...
by UNI4MER
Thu Jun 23, 2011 4:23 pm
Forum: Investing - Theory, News & General
Topic: Wether or not to pay off mortgage
Replies: 20
Views: 3519

If the house was paid off, could you live on $1.2Mx0.03% = $36K/yr plus whatever you would get in Social Security? (a 3% withdrawal rate) At 62 that would be an additional 20k/year and with wife working we probably could. But, of course, there is inflation. How important is cash flow to you? Would ...
by UNI4MER
Wed Jun 22, 2011 10:50 pm
Forum: Investing - Theory, News & General
Topic: Wether or not to pay off mortgage
Replies: 20
Views: 3519

Wether or not to pay off mortgage

Here is some red meat for you experts. I am 59, wife and I own a small business in CA, have all my assetts in VG 1.2m ira & savings, no pensions, owe 140K on our residence which we plan on staying in. We have owned the business together for 20 years and that has been our sole income. Business in...
by UNI4MER
Tue Sep 07, 2010 10:00 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Top Developed World
Replies: 13
Views: 2419

I totally agree but would like to see more from Vanguard in terms of emerging markets weighted in natural resources especially in South America.
by UNI4MER
Fri Sep 03, 2010 11:20 am
Forum: Investing - Theory, News & General
Topic: Natural resources
Replies: 6
Views: 1524

Natural resources

What would be best vanguard fund for natural resources?
by UNI4MER
Wed Jul 28, 2010 10:58 pm
Forum: Investing - Theory, News & General
Topic: End of year tax changes
Replies: 11
Views: 2110

End of year tax changes

Ok I recuped what I loss from the big crash. Age 58 65/35 small business owner facing tax hikes starting 2011 and a potential huge sell off at the end of the year trying to decide to ride it out untill we get favorable business conditions, if ever, or to sell and protect. Don't ask me about retireme...
by UNI4MER
Sat Jul 10, 2010 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: allocation question
Replies: 6
Views: 928

Thanks for the extra information. You indicated that you're holding the same funds in tax advantaged as tax advantaged. I assume you're holding a taxable bond fund in the taxable account which means you're paying taxes on the non-qualified bond income. At the 25% tax bracket, you may be better off ...
by UNI4MER
Sat Jul 10, 2010 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: allocation question
Replies: 6
Views: 928

[quote="DSInvestor"]Rebalancing in the IRA has no tax consequences.

What is the ratio of taxable vs tax advantaged space?
NTX 45% TAXABLE 55%
What tax bracket are you in?
25%
by UNI4MER
Sat Jul 10, 2010 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: allocation question
Replies: 6
Views: 928

allocation question

Both my ira and taxable acounts have the same funds in them with the same allocations per fund. Currently my total portfolio is at 66/34 and I want to rebalance to my targert 60/40. Should I rebalance just the ira to avoid a taxable event?
by UNI4MER
Mon May 24, 2010 6:11 pm
Forum: Investing - Theory, News & General
Topic: Roubini's latest comments
Replies: 5
Views: 1087

Roubini's latest comments

Regarding the fall of the Euro and if Europe does not act fast will lead US into a double dip soon. Any comments?
by UNI4MER
Sat Jul 11, 2009 2:28 pm
Forum: Investing - Theory, News & General
Topic: annual withdrawal vs. lifetime annuity
Replies: 17
Views: 2716

I think it's a given that one would buy multiple A rated annuities up to each insured amount. Having said that for a person nearing retirement, 5 years from social security eligibility, needing steady income, and cannot afford future bear markets what would be a better strategy?
by UNI4MER
Wed Jul 08, 2009 3:09 pm
Forum: Investing - Theory, News & General
Topic: annual withdrawal vs. lifetime annuity
Replies: 17
Views: 2716

annual withdrawal vs. lifetime annuity

I will throw this out for debate. Why would one nearing retirement who needs income from portfolio not purchase a lifetime annuity which pays 4.5% compared to the recommended annual portfolio withdrawal of 3.5%?
by UNI4MER
Wed Apr 08, 2009 6:11 pm
Forum: Investing - Theory, News & General
Topic: The Ultimate Buy-and-Hold Strategy
Replies: 52
Views: 11659

TREV H WROTE:

22.5% International Small Cap Blend








Which Vanguard account is this?
by UNI4MER
Wed Apr 08, 2009 5:14 pm
Forum: Investing - Theory, News & General
Topic: The Ultimate Buy-and-Hold Strategy
Replies: 52
Views: 11659

Re: And soon...

[q uote="Trev H"]And soon Vanguard is supposed to open up a Intl Small Cap Fund (FTSE X-US International Small Cap). For a simplified version of the Ultimate B&H you could do something like this. 22.5% Large Cap Index 22.5% Small Value Index 10.0% REIT Index 22.5% International Value 2...
by UNI4MER
Sat Mar 28, 2009 12:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard equities
Replies: 6
Views: 1538

Vanguard equities

I have all my funds in VG and I am wondering how many of you use VG for bonds and others for equities and why?
by UNI4MER
Tue Feb 24, 2009 12:01 am
Forum: Investing - Theory, News & General
Topic: Buy-and-hold investors have to know when to sell and fold
Replies: 33
Views: 4996

Given the direction of government intervention in the economy and the expansion of social programs, I thought it was prudent to reduce stock holdings to 10% of my portfolio on election day last year. I also believe that today, you can no longer separate government (politics) and investing/business ...
by UNI4MER
Mon Feb 23, 2009 4:56 pm
Forum: Investing - Theory, News & General
Topic: Saving for Retirement (Without Equities)
Replies: 52
Views: 9272

Re: Saving for Retirement (Without Equities)

I'm no longer an investor - I'm a saver. The risks presented with any allocation to equities exceed my appetite. I've accumulated a small nest egg that if it grows slowly over the coming years, should provide a comfortable retirement. I've settled on on the following AA and am interested in the Bog...
by UNI4MER
Wed Feb 18, 2009 10:55 pm
Forum: Investing - Theory, News & General
Topic: With no budget, California to cut 20,000 state jobs
Replies: 69
Views: 10833

california's big problem is

Retirement obligations to state employees. As a small business owner in the state I deal with uniforms for state correctional officers. I have nothing against their union or other unions but the deals approved by the legislature where they can retire at 50 after working 30 years and get 90% of their...
by UNI4MER
Wed Feb 18, 2009 8:07 pm
Forum: Investing - Theory, News & General
Topic: Has the market "SURGE" began ???
Replies: 12
Views: 2710

What makes you think the stock market is the right gauge of stimulus success? One of the worst things to happen to economic policy in this country has been the glaring focus on a few daily market indexes. [/quote] Look what happened to the market after the 1981 tax cuts. That is an example of prope...
by UNI4MER
Tue Feb 03, 2009 10:35 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Ranges
Replies: 8
Views: 1754

[quote="
rebalance to $30k in cash (or equiv) and 70/30 otherwise using ~ 5/25 bands.


What are 5/25 bands?
by UNI4MER
Tue Feb 03, 2009 6:11 pm
Forum: Investing - Theory, News & General
Topic: Did Anyone MAKE money last year?
Replies: 53
Views: 8014

Re: Did Anyone MAKE money last year?

My human capital investment, which I (mostly) hold in my taxable portfolio, has continued to be a great performer. Returns are very high and, on average, grow with inflation. I've found I can easily live on the income stream alone, without touching principal. I've ridden out all types of markets, b...
by UNI4MER
Sat Jan 03, 2009 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: time to move out of cash?
Replies: 1
Views: 927

time to move out of cash?

No one can predict the future but if one wanted to re balance to a 50/50 portfolio it is time to move back into equities quickly or DCA?
by UNI4MER
Mon Nov 24, 2008 1:25 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 310
Views: 50246

That buy and hold is not the be all end all. And market timing has definite creditability.
by UNI4MER
Mon Oct 13, 2008 2:43 pm
Forum: Investing - Theory, News & General
Topic: credit markets
Replies: 2
Views: 778

Excellent-thank you.
by UNI4MER
Mon Oct 13, 2008 2:25 pm
Forum: Investing - Theory, News & General
Topic: credit markets
Replies: 2
Views: 778

credit markets

If one were to monitor the status of the credit crunch we are in which indicator would be the best when it starts to thaw?
by UNI4MER
Thu Oct 09, 2008 1:18 pm
Forum: Investing - Theory, News & General
Topic: Lesson learned for Diehards?
Replies: 59
Views: 10296

Re: Lesson learned for Diehards?

Index or passive investing takes various forms. Unfortunately, it seems that too many diehards have followed the absolute approach to passive investing rather than the more flexible approaches espoused by the likes of Swedroe and particularly Bogle. Yes, market timing and failure to stay the course...
by UNI4MER
Tue Oct 07, 2008 12:00 pm
Forum: Investing - Theory, News & General
Topic: Have all the shoes dropped?
Replies: 48
Views: 8097

ken250 wrote:Wait til the numbers for consumer spending come in for the holidays... :cry:


Being that it won't surprise anyone do you really think it will affect the market?
by UNI4MER
Tue Oct 07, 2008 11:33 am
Forum: Investing - Theory, News & General
Topic: Have all the shoes dropped?
Replies: 48
Views: 8097

Have all the shoes dropped?

Maybe I am optimistic but I feel we are getting near the bottom. For those non pessimists what other storms are on the horizon?
by UNI4MER
Wed Oct 01, 2008 2:35 pm
Forum: Investing - Theory, News & General
Topic: cash (this is the worst banking crisis in 80 years...)
Replies: 155
Views: 29199

How about Vanguard treasury and federal mm funds?
by UNI4MER
Wed Sep 24, 2008 3:50 pm
Forum: Investing - Theory, News & General
Topic: A Considered Opinion of the Paulson Bailout Plan
Replies: 9
Views: 2215

Why can't we just invest our way out of this by suspending cap gains and corp taxes till we get through it?
by UNI4MER
Tue Sep 23, 2008 7:23 pm
Forum: Investing - Theory, News & General
Topic: Alternative to $700B Bailout?
Replies: 28
Views: 4815

Good post. It would seem to me that one should be able to go somewhere and see some specifics on what would happen if there was no bailout. Example: commercial paper vs. mortgages and the estimated true market values and how by default would it SPECIFICALLY affect main street.
by UNI4MER
Tue Sep 23, 2008 6:39 pm
Forum: Investing - Theory, News & General
Topic: An open leter from *many* economists
Replies: 78
Views: 17146

As part of a 3.5% anticipated withdrawal rate during retirement in a year or two with a 50/50 current allocation I am talking about temporarily protecting my portfolio, which now has no gains, from a possible total meltdown in the coming weeks.
by UNI4MER
Tue Sep 23, 2008 6:02 pm
Forum: Investing - Theory, News & General
Topic: An open leter from *many* economists
Replies: 78
Views: 17146

Excellent post good letter I hope they listen. If one needs their equities in the next year or 2 it it time to move them into MM until this fiasco, which may last 6 more months, is over?