Search found 100 matches
- Mon May 09, 2022 3:34 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
stay the course for now and hope for the best
- Mon May 09, 2022 3:22 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
as expected my advisor said stay the course and use these 2 documents to support that:
https://investor.vanguard.com/investor- ... ssessments
https://corporate.vanguard.com/content/ ... -2022.html
https://investor.vanguard.com/investor- ... ssessments
https://corporate.vanguard.com/content/ ... -2022.html
- Mon May 09, 2022 11:53 am
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
- Mon May 09, 2022 11:50 am
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
yea. the bonds VG has me in Int term, total bond etf, total bond itl, short term admiral have less than a 1% gain over the last 3 years.
- Sun May 08, 2022 7:29 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
Have an appointment to chat with my vanguard advisor in the morning and at 70 kinda freaking out watching my 60/40 free falling and are looking for any green shoots and not seeing any for the next 2-3 years. Cash is tempting. How did you end up back at 60/40 allocation? In March 2020, you panic sold even though you were working with PAS. You apparently opted out of PAS and sold near the bottom, and were wondering in May whether to get back in and whether to do so on you own or go back to PAS. Several posters suggested that perhaps 60/40 wss too aggressive for you. Seems they might have been right. What did you do, and how did you end up back at 60/40? If you sell now, will you end up back at 60/40 again later after selling low, then buying...
- Sun May 08, 2022 4:32 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
I own a small bus and get paid by it and have not touched my portfolio as of yet but I am about to. JustJenniferW wrote: ↑Sun May 08, 2022 3:23 pm I am seeing a lot of light, but I am at the beginning of my investment journey. Buying up as much as I can at these discounted prices.
Don't know if that helps or not. People like me should help bring the market back up for ya
Is there perhaps a side gig you might enjoy to bring in a little extra cash to buy up these bargains or to help with living expenses so you don't have to draw as much? Are you on Social Security income? SS income is my only income and I am saving 1/2 of it each year and investing.
looking to the future. Sounds like the verdict is stay the course no matter how long and how far this cycle continues.
- Sun May 08, 2022 4:20 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
- Sun May 08, 2022 2:57 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
No at 70 my waiting time for a rebound is limited and [political comment removed by moderator oldcomputerguy] so maybe moving to mm or cd's for awhile until I see 1 quarter of growth is worth considering
- Sun May 08, 2022 2:42 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
Re: anyone see light at the end of the tunnel
I am thinking parking all bonds into money market until I see 1 quarter of growth in bonds
- Sun May 08, 2022 2:13 pm
- Forum: Personal Investments
- Topic: anyone see light at the end of the tunnel
- Replies: 154
- Views: 19449
anyone see light at the end of the tunnel
Have an appointment to chat with my vanguard advisor in the morning and at 70 kinda freaking out watching my 60/40 free falling and are looking for any green shoots and not seeing any for the next 2-3 years. Cash is tempting.
- Sun May 10, 2020 10:29 pm
- Forum: Personal Investments
- Topic: should I return to VG financial planner assistance?
- Replies: 6
- Views: 759
Re: should I return to VG financial planner assistance?
bikechuck thank you for a responsible response
- Sun May 10, 2020 6:29 pm
- Forum: Personal Investments
- Topic: should I return to VG financial planner assistance?
- Replies: 6
- Views: 759
Re: should I return to VG financial planner assistance?
PAS is what I was in. Just considering going back in or manage it myself by going back into the same funds they set me up with.
- Sun May 10, 2020 5:19 pm
- Forum: Personal Investments
- Topic: should I return to VG financial planner assistance?
- Replies: 6
- Views: 759
should I return to VG financial planner assistance?
just wondering if it is worth it to dive back in. Cashed out the funds with no cap gains in March (yea I know I should have stayed in but thought, like others the downturn would be far worse) should I jump back into the funds they put me in which they did not change the last 2 years? If so dollar cost average into them or put back the percentages as they were before the March downfall? Age 67 looking to partly retire soon mix was 60% equities 35% bonds 5% cash. Now 45% cash equities 29% bonds 26%. I am looking to manage the portfolio myself instead of paying them a quarterly fee. Any suggestions you geniuses may have would be truly appreciated.
- Tue Oct 07, 2014 11:35 am
- Forum: Personal Investments
- Topic: mortgage payoff
- Replies: 7
- Views: 1471
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 monthly expenses look like in retirement with a mortgage? How much is left of the portfolio after/if the mortgage is paid off? If the mortgage payment and regular expenses are not a burden in retirement, the may not be a need to pay it off. Maybe pay down with the cash portion and refinance, so the portfolio is left alone... just throwing out a possible option... No pension, will continue to run by business but downsize myself, SS in maybe 3 yea...
- Tue Oct 07, 2014 11:27 am
- Forum: Personal Investments
- Topic: mortgage payoff
- Replies: 7
- Views: 1471
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.
- Mon Oct 06, 2014 5:31 pm
- Forum: Personal Investments
- Topic: mortgage payoff
- Replies: 7
- Views: 1471
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 around 85% in stocks. Can re balance my non tax account to make up for this. Your thoughts.
- Sun Nov 11, 2012 4:36 pm
- Forum: Investing - Theory, News & General
- Topic: How did you make your million(s)?
- Replies: 81
- Views: 14665
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 reallocated everything to the merriman vanguard tax deferred portfolio. Still own my business and am pretty worried about things to come.
- Tue Jul 24, 2012 11:09 am
- Forum: Investing - Theory, News & General
- Topic: int'l equities
- Replies: 31
- Views: 4042
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 equities.
- Mon Jul 23, 2012 10:41 pm
- Forum: Investing - Theory, News & General
- Topic: int'l equities
- Replies: 31
- Views: 4042
Re: int'l equities
political comment deleted by admin alex
- Mon Jul 23, 2012 12:13 pm
- Forum: Investing - Theory, News & General
- Topic: int'l equities
- Replies: 31
- Views: 4042
Re: int'l equities
I appreciate your responsible reply. Thank you.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.
- Sun Jul 22, 2012 7:15 pm
- Forum: Investing - Theory, News & General
- Topic: int'l equities
- Replies: 31
- Views: 4042
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.
- Sat Dec 10, 2011 12:22 pm
- Forum: Personal Investments
- Topic: withdrawal tax rate
- Replies: 9
- Views: 1187
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 10,000 will be taxed at the zero to $10,000 bracket rate, the next $15,000 will be taxed at the $10,000 to $25,000 bracket rate, and the last $15,000 will be taxed at the $25,000 to $50,000 bracket rate. Then there are the capital gains and dividend rates that go in parallel with regular tax rates as you move up the brackets. Now if you already have $35,000 of other income, the first $15,000 of your withdrawal will be taxed at the $25,000 to $50,...
- Fri Dec 09, 2011 9:31 pm
- Forum: Personal Investments
- Topic: withdrawal tax rate
- Replies: 9
- Views: 1187
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 plan a withdrawal rate?
- Sat Oct 15, 2011 9:32 pm
- Forum: Investing - Theory, News & General
- Topic: How are you doing YTD?
- Replies: 68
- Views: 6182
- Sat Oct 15, 2011 4:28 pm
- Forum: Investing - Theory, News & General
- Topic: How are you doing YTD?
- Replies: 68
- Views: 6182
How are you doing YTD?
65 equities 35 bonds I'm down -3.33%
- 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: 8385
- Mon Aug 08, 2011 9:52 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 36221
- Views: 4650465
I respect this forum immensly. But I would like to see more flexibility when it comes to subject of politics. Now more than ever politics is affecting every aspect of investing and I feel that comments on current political policies and how they are affecting investment decisions are in order.BigD53 wrote:As soon as the President appeared on TV, the DOW went from being down "only" 300... to being down 500! :roll:
Moderator, you can delete my political comment. (Actually, just an observation.)
- Mon Jun 27, 2011 6:48 pm
- Forum: Investing - Theory, News & General
- Topic: Wether or not to pay off mortgage
- Replies: 20
- Views: 3948
Then, of course, there is the issue of cap gains on selling the assets on the taxable account.dharrythomas wrote: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 mortgage closing in Sep 10. If we don't make any additional advance payments, mortgage will be paid off in Dec 2014.
I feel less stress without debt. My deal with the wife is that I'll take approximately 1/3 of the P&I to save/invest and she can have the other 2/3 to spend.
Good Luck
Harry
- Thu Jun 23, 2011 4:39 pm
- Forum: Investing - Theory, News & General
- Topic: Wether or not to pay off mortgage
- Replies: 20
- Views: 3948
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 in this state is very volatile and I am thinking of paying off the mortgage now and plowing the current mortgage payment back into the porfolio as long as I can in case or until the business goes south. Obviously no one has a crystal ball but I would like your opinion to sell or stay. If your business went to zero tomorrow - how much liquidity (cash and short term bonds) do you have? Do you have enough to carry you to the point where you could col...
- Thu Jun 23, 2011 4:27 pm
- Forum: Investing - Theory, News & General
- Topic: Wether or not to pay off mortgage
- Replies: 20
- Views: 3948
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 that would increase your income taxes in the year that you withdrew the IRA money and that would be BAD. If it comes from savings, maybe that would reduce your emergency fund too much and that would be bad. To make your money last longer, you should move out of the state of California with its high state tax rates to a no-tax state like Texas. Thought about that but would probably take a loss on the house which would not help me in Texas. Anyways, ...
- Thu Jun 23, 2011 4:23 pm
- Forum: Investing - Theory, News & General
- Topic: Wether or not to pay off mortgage
- Replies: 20
- Views: 3948
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 you let the business fail before you dip into the $1.2M? Would you need capital to start another business, or would you head into retirement? Yes we would walk away from it and not touch the portfolio and I would head into retirement as my wife is quite a bit younger and would continue to work doing something. Do you like your house and plan to stay there for many years to come? If not, don't pay it off. Yes. And we own another in a remote area t...
- Wed Jun 22, 2011 10:50 pm
- Forum: Investing - Theory, News & General
- Topic: Wether or not to pay off mortgage
- Replies: 20
- Views: 3948
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 this state is very volatile and I am thinking of paying off the mortgage now and plowing the current mortgage payment back into the porfolio as long as I can in case or until the business goes south. Obviously no one has a crystal ball but I would like your opinion to sell or stay.
- Tue Sep 07, 2010 10:00 pm
- Forum: Investing - Theory, News & General
- Topic: Emerging Markets Top Developed World
- Replies: 13
- Views: 2681
- Fri Sep 03, 2010 11:20 am
- Forum: Investing - Theory, News & General
- Topic: Natural resources
- Replies: 6
- Views: 1772
Natural resources
What would be best vanguard fund for natural resources?
- Wed Jul 28, 2010 10:58 pm
- Forum: Investing - Theory, News & General
- Topic: End of year tax changes
- Replies: 11
- Views: 2400
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 retirement horizon or risk tolerance as I, like others, believe past history is no longer a factor.
- Sat Jul 10, 2010 7:35 pm
- Forum: Personal Investments
- Topic: allocation question
- Replies: 6
- Views: 1106
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 using the tax advantaged space to hold all your taxable bonds. Let's say you wanted a 60/40 portfolio where INTL is 33% of stocks. Tax advantaged (55% of portfolio): 40% Bonds (completes bond allocation) 10% US Stocks 05% Intl Stocks Taxable (45% of portfolio): 15% International Stocks 30% US Stocks 55% is my taxable portfolio and 45% is my ntx ira porfolio. I see what you are saying regarding the tax efficiency of the taxable bonds as the hey sh...
- Sat Jul 10, 2010 5:55 pm
- Forum: Personal Investments
- Topic: allocation question
- Replies: 6
- Views: 1106
- Sat Jul 10, 2010 4:27 pm
- Forum: Personal Investments
- Topic: allocation question
- Replies: 6
- Views: 1106
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?
- Mon May 24, 2010 6:11 pm
- Forum: Investing - Theory, News & General
- Topic: Roubini's latest comments
- Replies: 5
- Views: 1261
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?
- Sat Jul 11, 2009 2:28 pm
- Forum: Investing - Theory, News & General
- Topic: annual withdrawal vs. lifetime annuity
- Replies: 17
- Views: 3157
- Wed Jul 08, 2009 3:09 pm
- Forum: Investing - Theory, News & General
- Topic: annual withdrawal vs. lifetime annuity
- Replies: 17
- Views: 3157
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%?
- Wed Apr 08, 2009 6:11 pm
- Forum: Investing - Theory, News & General
- Topic: The Ultimate Buy-and-Hold Strategy
- Replies: 52
- Views: 12780
TREV H WROTE:
22.5% International Small Cap Blend
Which Vanguard account is this?
Which Vanguard account is this?
- Wed Apr 08, 2009 5:14 pm
- Forum: Investing - Theory, News & General
- Topic: The Ultimate Buy-and-Hold Strategy
- Replies: 52
- Views: 12780
Re: And soon...
[q
Question: where is the micro cap in your selection and how come none of the midcap funds are included when some have performed better?
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
22.5% FTSE X-US Intl Small Cap
For the Equity Allocation.
=======
Question: where is the micro cap in your selection and how come none of the midcap funds are included when some have performed better?
- Sat Mar 28, 2009 12:27 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard equities
- Replies: 6
- Views: 1790
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?
- Mon Feb 23, 2009 11:01 pm
- Forum: Investing - Theory, News & General
- Topic: Buy-and-hold investors have to know when to sell and fold
- Replies: 33
- Views: 5542
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 decisions - the government has linked them, and now you must take it into account. The stock market is reacting to government and political news, not business news...at least for now. Could not agree with you more and frankly I am surprised your post made it because of its political nature. Current politics is affecting portfolio's more than ever before with unprecedented government intervention. This forum has been very helpful to me and I would...
- Mon Feb 23, 2009 3:56 pm
- Forum: Investing - Theory, News & General
- Topic: Saving for Retirement (Without Equities)
- Replies: 52
- Views: 10326
Re: Saving for Retirement (Without Equities)
mxa01 wrote: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 Bogleheads perspective:
10% Money Market Mutual Fund
20% Stable Value Fund
10% Short-Term Bond Index MF
30% Inflation Protected Bond MF
30% Intermediate Term Bond Index MF
My goals are to limit losses, retain capital in deflationary times, and stay close to the CPI in inflationary times.
Thanks, Mike
What is your age?
- Wed Feb 18, 2009 9:55 pm
- Forum: Investing - Theory, News & General
- Topic: With no budget, California to cut 20,000 state jobs
- Replies: 69
- Views: 12148
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 pay is a hardship for this state. Most of them go back to work and double dip. Cities competing for employees have adopted the same plan and it is beginning to bankrupt them (Vallejo) is an example. This has snowballed into a nightmare now.
- Wed Feb 18, 2009 7:07 pm
- Forum: Investing - Theory, News & General
- Topic: Has the market "SURGE" began ???
- Replies: 12
- Views: 3163
[/quote]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.
Look what happened to the market after the 1981 tax cuts. That is an example of proper stimulus.
- Tue Feb 03, 2009 9:35 pm
- Forum: Investing - Theory, News & General
- Topic: Asset Allocation Ranges
- Replies: 8
- Views: 1925
- Tue Feb 03, 2009 5:11 pm
- Forum: Investing - Theory, News & General
- Topic: Did Anyone MAKE money last year?
- Replies: 53
- Views: 8888
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, bear and bull. It seems like I could live forever on this investment alone but might cash out later in life to dabble in other things. The portion of dividends that exceed my living expenses I redirect right into my other asset types.
What is your human capital investment comprised of?