Search found 27 matches

by pfb3326
Fri Dec 20, 2019 12:20 pm
Forum: Personal Investments
Topic: Need Help with restructuring our Portfolio
Replies: 2
Views: 231

Need Help with restructuring our Portfolio

Emergency funds: 5 years living expenses Debt: none Tax Filing Status: Married Filing Jointly Tax Rate: 22% Federal, n/a State State of Residence: Florida Age: Me: 81 Spouse:62 Desired Asset allocation:[/b] please see Questions at bottom Desired International allocation: please see Questions at bot...
by pfb3326
Wed Dec 18, 2019 10:07 pm
Forum: Personal Investments
Topic: Fund selections for a Roth IRA
Replies: 1
Views: 181

Fund selections for a Roth IRA

I have a Roth IRA account that I don't plan on touching for at least 10 years, perhaps longer. Therefore, I am trying to select equity funds which have high growth potential. Below are the ones I am considering. I would appreciate your comments and alternate suggestions. Thanks. 47% VTSAX Total Stoc...
by pfb3326
Mon Dec 16, 2019 9:41 pm
Forum: Personal Investments
Topic: Which are the best VG funds to hold in a Roth IRA?
Replies: 5
Views: 804

Which are the best VG funds to hold in a Roth IRA?

Hello, If you have a Roth IRA, a Traditional IRA and a Taxable Account, the Roth IRA would be the last account you would tap. It should probably only hold equity funds , hopefully those with a better than average potential for growth. Assuming a holding period of 10 years before starting any withdra...
by pfb3326
Sun Dec 15, 2019 10:51 pm
Forum: Personal Investments
Topic: Need help for constructing a portfolio from 4 accounts
Replies: 6
Views: 562

Re: Need help for constructing a portfolio from 4 accounts

In response to HomeStretch's thoughtful reply, here are the answers. I have also edited the original post to include this information. As sole survivor. spouse would only need to withdraw 4% to more than cover all retirement expenses. Anything more would be solely for pleasure. Here are the percenta...
by pfb3326
Sun Dec 15, 2019 9:34 pm
Forum: Personal Investments
Topic: Need help for constructing a portfolio from 4 accounts
Replies: 6
Views: 562

Re: Need help for constructing a portfolio from 4 accounts

My thanks to fortfun, pkcrafter and ruralavalon for your comments and suggestions. I have redone my post accordingly.
by pfb3326
Sat Dec 14, 2019 8:32 pm
Forum: Personal Investments
Topic: Need help for constructing a portfolio from 4 accounts
Replies: 6
Views: 562

Need help for constructing a portfolio from 4 accounts

Hello, I would greatly appreciate it if some of you knowledgeable investors would help me with the asset allocation (stocks, bonds, cash and alternatives) as well as the diversification for the following portfolio, made up of four accounts, that I need to create for my spouse. I would prefer to use ...
by pfb3326
Sun Jan 14, 2018 10:55 pm
Forum: Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 6660

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

You might add some to international exposure via ex-US funds such as:

VFSVX FTSE all world small cap index
VIHAX High Dividend Yield
VEMAX Emerging markets index
by pfb3326
Sun Jan 14, 2018 9:17 pm
Forum: Personal Investments
Topic: CDs & Savings as a substitute for bonds or bond funds
Replies: 20
Views: 4697

CDs & Savings as a substitute for bonds or bond funds

Are CDs and savings accounts acceptable alternatives to bonds or bond funds for the fixed income portion of a portfolio? This would seem reasonable to me at times of rising rates when you have about a ten year horizon or am I missing something? Thanks.
by pfb3326
Wed Sep 06, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Currency Exchanges
Replies: 1
Views: 361

Currency Exchanges

Has anyone here had any experience, good or bad, with a currency exchange company called "Currencies Direct" ?
Please reply either here or PM me.

Thanks!
by pfb3326
Sun Sep 03, 2017 8:49 pm
Forum: Non-US Investing
Topic: Exchanging euros for US$ and transferring funds to USA
Replies: 4
Views: 684

Exchanging euros for US$ and transferring funds to USA

I am selling some property in Spain and will be paid in euros. I then want to exchange the euros for US dollars and transfer these funds to my USA bank account. I want to find the safest and least expensive method to do this. I can have my Spanish bank do all of this which would involve a transfer f...
by pfb3326
Fri Oct 07, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: How best to exchange euros for US$ in house sale
Replies: 0
Views: 449

How best to exchange euros for US$ in house sale

I plan on selling my home in Spain next year. The sale will be in euros. After the sale I will need to convert the euros to US dollars and then transfer the dollars to my US bank account. Since this will be a fairly large transaction, I am anxious to learn how to do this transaction in the most effi...
by pfb3326
Wed Apr 13, 2016 9:08 am
Forum: Personal Investments
Topic: Any experience with UFB Direct or Silvergate Banks?
Replies: 2
Views: 407

Any experience with UFB Direct or Silvergate Banks?

I'm looking to park some cash at one or both of these on-line banks and would appreciate any comments, good or bad, about your experiences with them. Thanks.
by pfb3326
Wed Jan 06, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Question
Replies: 4
Views: 823

Inherited IRA Question

When my father died, his traditional IRA passed to my mother and was combined with her traditional IRA, so now there is just her IRA. When she dies, my brother and I are the designated beneficiaries on a 50/50 basis. My question is: when the time comes, can I combine my inherited portion of her IRA ...
by pfb3326
Thu May 07, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank
Replies: 4
Views: 1106

Synchrony Bank

Hi. Does anyone have experience dealing with Synchrony Bank? If so, any problems or advice?

Thanks
by pfb3326
Sat Apr 18, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Capital Gains Question
Replies: 2
Views: 530

Long Term Capital Gains Question

I think our income will fall below $74,900 this year as my spouse will have almost no earnings. This would put us in the 15% bracket. I understand that LT Capital Gains in this bracket are not taxed. What is unclear is whether the LT Cap gains are added to your income to determine your bracket. For ...
by pfb3326
Tue Jul 02, 2013 10:03 am
Forum: Personal Investments
Topic: A reasonable 3-fund portfolio?
Replies: 4
Views: 807

A reasonable 3-fund portfolio?

Hi, Would you consider the following to be a reasonable, simple 3-fund portfolio for a 56-year old single male with little investment experience? Total to be invested is about 2.5 million. 50% Total Stock Market Index Admiral 25% Total International Stock Index Admiral 25% Short-Term Tax Exempt Bond...
by pfb3326
Sun Aug 05, 2012 11:18 am
Forum: Personal Investments
Topic: Folio Investing article in Kiplinger's
Replies: 1
Views: 683

Folio Investing article in Kiplinger's

There is a very interesting article in the Sept issue of Kiplinger's Personal Finance concerning Target Funds. Anyone have experience with Folio Investing? If so, would appreciate your comments.
by pfb3326
Thu Jul 05, 2012 10:19 am
Forum: Personal Investments
Topic: Buy Immed. Annuity w/ or w/o Inflation Adjust?
Replies: 1
Views: 422

Buy Immed. Annuity w/ or w/o Inflation Adjust?

Hi Annuity Experts, I'm 73 years old, in good health (my father lived to 98) and am considering annuitizing about 1/3 of my nest egg. Yes, I know interest rates are at an all time low but, at my age, mortality credits are more important than interest rates. I do have two questions and hope you can h...
by pfb3326
Fri Mar 30, 2012 7:26 am
Forum: Personal Investments
Topic: Changing Allocation. Which bond fund to sell?
Replies: 7
Views: 779

Changing Allocation. Which bond fund to sell?

I am changing my allocation: reducing my bond funds by 15% and increasing my equity funds by the same percentage. I presently have money in 3 bond funds: Total Bond Market, TIPS and Short Term Bond Index. Which of these funds would you suggest selling in order to raise cash for the new equity fund(s...
by pfb3326
Fri Feb 24, 2012 9:47 pm
Forum: Personal Investments
Topic: Where to put 800K that's 100% safe for 6 mos?
Replies: 16
Views: 2723

Where to put 800K that's 100% safe for 6 mos?

I have to make a payment of around 800K in 6 months. I have the cash now and would like to earn a few bucks in the meantime. Any suggestions where to invest it that's 100% safe except for a t-bill?
by pfb3326
Fri Jun 17, 2011 7:21 pm
Forum: Personal Investments
Topic: Time to go to cash?
Replies: 33
Views: 5160

Thanks to everyone who took the time and effort to reply. Your valuable input is very much appreciated.

PFB
by pfb3326
Thu Jun 16, 2011 11:13 am
Forum: Personal Investments
Topic: Time to go to cash?
Replies: 33
Views: 5160

Time to go to cash?

I'm a 72 year old retiree with 70% in bonds: VG Total Bond Mkt (42%), TIPS Fund (14%) and High Yield Corp Fund (14%) and 30% in various VG stock funds. All are in a taxable account. All of my gains are long term so there would only be a 15% tax if sold this year. I also have 3-4 years living expense...
by pfb3326
Sun Dec 19, 2010 10:16 pm
Forum: Personal Investments
Topic: Time to rebalance and, possibly, rethink?
Replies: 7
Views: 2250

Re: Need additional information

Hi pfb: Questions: (my answers follow your questions) What is your financial goal? Spend the safe maximum; heirs, charity, etc.? At the moment, goal is preservation of capital and keeping up with inflation. Long-term goals are 1)to be able to self-insure any long-term care needs and, 2)leave a subs...
by pfb3326
Sun Dec 19, 2010 9:27 pm
Forum: Personal Investments
Topic: Time to rebalance and, possibly, rethink?
Replies: 7
Views: 2250

Time to rebalance and, possibly, rethink?

I am 71 years old and set my non-retirement asset allocation at 70% bond funds and 30% stock funds as follows: 42% VBTLX Total Bond Market Index Admiral Shares (fund 0584) 14% VAIPX Inflation-Protected Securities Admiral Shares (fund 5119) 14% VWEAX High Yield Corporate Admiral Shares (fund 0529) 13...
by pfb3326
Sat Dec 19, 2009 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Soundmark Wealth Management
Replies: 6
Views: 2536

Soundmark Wealth Management

Anyone have experience using Soundmark Wealth Management as a financial advisor? If so, would you recommend them? What are their fees?
by pfb3326
Sun Feb 03, 2008 1:13 pm
Forum: Personal Investments
Topic: Sell Health Care Fund VGHCX?
Replies: 3
Views: 1172

Sell Health Care Fund VGHCX?

Hi,

I've had this sector fund in my IRA for eons. Perhaps it's time to look elsewhere. I also have TSM, TBM & TISM index funds so am covered there. Any suggestions for selling VGHCX and for a replacement?

Thanks in advance for your thoughts.
by pfb3326
Wed Dec 26, 2007 8:31 pm
Forum: Personal Investments
Topic: Emerging Markets Stock Index
Replies: 8
Views: 2263

Emerging Markets Stock Index

I presently have Total Int'l Stock Index and am considering adding the Emerging Markets Stock Index. Does this appear to be a wise addition and, considering its dramatic recent returns, is this timely?

Thanks in advance for your suggestions.