Search found 44 matches

by trishna99
Sun Mar 22, 2020 1:44 pm
Forum: Personal Investments
Topic: monthly withdrawal stop??
Replies: 2
Views: 251

Re: monthly withdrawal stop??

Thank -you for response.
So if i keep the same of withdrawing from my accounts....does it make sense to hold onto as cash? in bank savings?
by trishna99
Sun Mar 22, 2020 9:59 am
Forum: Personal Investments
Topic: monthly withdrawal stop??
Replies: 2
Views: 251

monthly withdrawal stop??

I ‘m finally settled in with my accounts at Vanguard. Im 68 y.o. this year. Im in the 12% income bracket, own my home and car. small pension 400/month, SS income 1900/month, and an immediate annuity (that pays until 2024 )878.00month. From my accounts at Vanguard, I have set up to make auto withdraw...
by trishna99
Fri Feb 28, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: move to BND ?
Replies: 16
Views: 1009

Re: move to BND ?

Thank-you all for answering my question and yr good advise !! Your suggestions and response has helped me make more sense in this downturn!

THANK-YOU !!!!!!!!
by trishna99
Fri Feb 28, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: move to BND ?
Replies: 16
Views: 1009

Re: move to BND ?

question was on VXF extended market fund.
by trishna99
Fri Feb 28, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: move to BND ?
Replies: 16
Views: 1009

move to BND ?

Hello, Im getting nervous like everyone and plan on keeping the course. I have a moderate allocation advisor portfolio. Next appointment is Mar 9.....I would really like some advise now with this market turn down. My IRA'sa re mostly Bond funds and an annuity that is 50/50. The question is on my bro...
by trishna99
Thu Feb 20, 2020 10:45 am
Forum: Personal Investments
Topic: in retirement assest location at Vanguard?
Replies: 5
Views: 665

Re: in retirement assest location at Vanguard?

WOW Im jumping for joy that you responded so quickly and so thoroughly!!! You have really helped me with choices for future Vanguard portfolio placement. I had reviewed recommendations from VA but knew I needed another POV. The v. annuity i had from another company ( inheritance from 25 years ago) I...
by trishna99
Thu Feb 20, 2020 9:07 am
Forum: Personal Investments
Topic: in retirement assest location at Vanguard?
Replies: 5
Views: 665

Re: in retirement assest location at Vanguard?

Thank-you so much for response! and mention of International funds. I want my portfolio to be mostly conservative as I age but want to see some growth.If I decide on smaller amount of International Bonds any suggestions on where to put holdings in my new portfolio would be much appreciated. Thank-yo...
by trishna99
Wed Feb 19, 2020 6:33 pm
Forum: Personal Investments
Topic: in retirement assest location at Vanguard?
Replies: 5
Views: 665

in retirement assest location at Vanguard?

I have moved my brokerage account and an IRA from another company over to Vanguard. This old brokerage/IRA was invested in 67% stock funds (Most Large Cap) and 33% Bonds. I currently have an v. annuity at Vanguard so wanted to consolidate my assets at Vanguard and use Vanguard advisor service. Initi...
by trishna99
Tue Dec 31, 2019 12:21 pm
Forum: Personal Investments
Topic: transferring other company assets to Vanguard
Replies: 8
Views: 533

Re: transferring other company assets to Vanguard

Thank-you so much for responses. I feel more comfortable with my decision to consolidate/ transfer out of current company to Vanguard.
I will get busy on paying off CC each month.
Sometime in later January when all transferred I will post info for yr advise on holdings !
Happy New Year
by trishna99
Tue Dec 31, 2019 8:35 am
Forum: Personal Investments
Topic: transferring other company assets to Vanguard
Replies: 8
Views: 533

Re: transferring other company assets to Vanguard

Thank-you very much for yr time reviewing my investing questions to Bogelheads. It has been immensely helpful to me. In answer to yr questions: 1. I have a variable interest rate at Chase HELOC currently at 5%. Does it make sense to pay down this HELOC at 1000./month , 40K.balance ? 2. I don’t pay o...
by trishna99
Mon Dec 30, 2019 3:21 pm
Forum: Personal Investments
Topic: transferring other company assets to Vanguard
Replies: 8
Views: 533

Re: transferring other company assets to Vanguard

IRA: Global Growth : cost basis 9,274.00 American Growth: cost basis 4,400 AM. Growth&income " " 4,400 First Eagle Global: cost basis 9,270 Hartford balanced Income: 9,020 Mutual Funds: First Eagle: COST BASIS : 8,938 Growth Fund of America 9,643 Hartford core equity 14,000 john Hancoc...
by trishna99
Mon Dec 30, 2019 1:40 pm
Forum: Personal Investments
Topic: transferring other company assets to Vanguard
Replies: 8
Views: 533

transferring other company assets to Vanguard

I’m a single 67 y.o. in retirement for 5 years. Income from all sources in 2019 is 55,000 Liabilities: Home Equity LOC 40,000 ( 20K is from a car purchase) Property taxes 5000/ yr. One credit card varies in balance. Now about 500.00 (interest 11% ) monthly living expenses average around 2,600.00 My ...
by trishna99
Tue Nov 05, 2019 1:05 pm
Forum: Personal Investments
Topic: move brokerage mutual funds to Vanguard funds?
Replies: 6
Views: 575

Re: move brokerage mutual funds to Vanguard funds?

Thank-you so much 'homestretch' for yr detailed explanation of yr parents example of held assets! This advise from all of you is very helpful in my decisions going forward!!! Thank-you!
by trishna99
Tue Nov 05, 2019 6:43 am
Forum: Personal Investments
Topic: move brokerage mutual funds to Vanguard funds?
Replies: 6
Views: 575

Re: move brokerage mutual funds to Vanguard funds?

Thank-you so much for both replies!! Yes Im withdrawing 18,000 from 2 different companies. Its more than 4% but I want to bring down Home Equity and also living expenses.Like everyone, you get nervous about the best place to be invested to bring in income and have some cushion in a downturn?... I do...
by trishna99
Mon Nov 04, 2019 2:21 pm
Forum: Personal Investments
Topic: move brokerage mutual funds to Vanguard funds?
Replies: 6
Views: 575

move brokerage mutual funds to Vanguard funds?

Im a 67y.o. with social security, NO pension. I draw monthly money from 2 different companies for added income. Thanks to Boglelheads I made a wise decisions with moving my 'variable annuity' from other firm to Vanguard 5 yrs ago. 200K. No surrender fees no locked in time. ( I did a separate 100K im...
by trishna99
Thu Jan 05, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: V. annuity asset allocation
Replies: 7
Views: 1016

Re: V. annuity asset allocation

Many thanks for your informative review and thoughts on my asset allocation. i will continue to research and move in directions to accommodate. Plus as you said, "fingers crossed" as i plan to live 20 more years ..... one hopes in good health. Always good to plan safety but be somewhat rea...
by trishna99
Thu Jan 05, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: V. annuity asset allocation
Replies: 7
Views: 1016

Re: V. annuity asset allocation

Thank-you so much for replies!! I appreciate suggestions on possible allocation being that i'm 65. At this time i have 100K in Moderate and 100K in Balanced. I took the up side on recent markets but was concerned on my allotment being my age for one and 2 . fears of uptick interest rates hurting Bon...
by trishna99
Wed Jan 04, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: V. annuity asset allocation
Replies: 7
Views: 1016

Re: V. annuity asset allocation

Thank-you for reply. Yes i have realized the tax on income from any withdrawals i've made. and from what you are saying, that less capitol gains if less equities in my portfolio? I have to keep this annuity because to remove all to put in another investment would cost a fortune in taxes. so i'm NOT ...
by trishna99
Wed Jan 04, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: V. annuity asset allocation
Replies: 7
Views: 1016

V. annuity asset allocation

I have a Vanguard V. annuity that i transferred from another co. 200K My current allocation for the past 2 years: 1. Balanced allocation 2. moderate allocation I will need this annuity for small income now and more in the future. I'm 65 y.o now and NOT collecting S.S. until 66... No pension. Thus fa...
by trishna99
Thu Nov 12, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: draw from HELOC before end of draw period retired
Replies: 3
Views: 824

Re: draw from HELOC before end of draw period retired

Thank-you for response. My question is . i want to take out 35,000 from HELOC before draw period ends. Buy lease car and keep 10K extra for unknown expenses.( My plan is to pay back this amount in the 20 yr. amortization period.) In 2 years i will have SS and Medicare which should open up more incom...
by trishna99
Mon Nov 09, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: draw from HELOC before end of draw period retired
Replies: 3
Views: 824

draw from HELOC before end of draw period retired

I could use some help with some ideas i have for my finances. I'm 64 next year 2016. My mortgage is paid off and monthly expenses of about 2,500/month. i buy my own health insurance which will be a premium of 440.00 (with a 200.00 subsidy from HC exchange) I'm retired but plan to wait to collect SS ...
by trishna99
Mon Oct 05, 2015 10:47 am
Forum: Personal Investments
Topic: 64 y.o. asset allocation in vanguard Annuity
Replies: 2
Views: 419

Re: 64 y.o. asset allocation in vanguard Annuity

Thank-you Paul. So it's a good idea to keep taking from brokerage acct. 30K until 66. Should the market have a huge downturn and lose much of this balance …? Then my Vanguard. i take out 500/month now (which is 3% withdrawal) and plan on this same withdrawal amount into SS. This annuity allocation i...
by trishna99
Sun Oct 04, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Drawing from Investments to delay S.S.
Replies: 3
Views: 635

Re: Drawing from Investments to delay S.S.

I have to wait another year to get medicare! I'll just be 64 in 2016. Its a hefty expense these days. The reason i'm doing Healthcare exchange is to lower the premium a bit. In the coming year, My thought was to get a lower cost plan. higher deductibles. Wish they had made medicare available for 60 ...
by trishna99
Sun Oct 04, 2015 12:25 pm
Forum: Personal Investments
Topic: 64 y.o. asset allocation in vanguard Annuity
Replies: 2
Views: 419

64 y.o. asset allocation in vanguard Annuity

Thank-you for advise you might have on questions relating to my investments and financial planning thoughts. I will be 64 in 5 months. I own my home. lease a car for 270/mo. HELOC 12,000. Up in 2016 low Credit card balance. Have monthly bills of around 2K Healthcare exchange Insurance: 400 month. (B...
by trishna99
Sun Oct 04, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Drawing from Investments to delay S.S.
Replies: 3
Views: 635

Drawing from Investments to delay S.S.

Thank-you for advise you might have on questions relating to my investments and financial planning thoughts. I will be 64 in 5 months. I own my home. lease a car for 270/mo. HELOC 12,000. Up in 2016 low Credit card balance. Have monthly bills of around 2K Healthcare exchange Insurance: 400 month. (B...
by trishna99
Fri Feb 07, 2014 1:42 pm
Forum: Personal Investments
Topic: need help on 1035 exchange choice
Replies: 11
Views: 1037

Re: need help on 1035 exchange choice

thanks Dale for following up on what i'm trying to understand. May i ask for help with understanding this. The tables u spoke of: Mine says 'settlement rates' 'dollar amt.of first monthly VA payment per 1000 applied. Example : table A/ Plan A says 'life income non-refund' or 15 years certain example...
by trishna99
Thu Feb 06, 2014 6:36 pm
Forum: Personal Investments
Topic: need help on 1035 exchange choice
Replies: 11
Views: 1037

Re: need help on 1035 exchange choice

thank-you Dale. I'm 62 now and planning to wait to collect SS at 66. i looked at my orginal VA from 2002. it stated that the the 3% is for a Fixed account!! My VA was not fixed! it was just a VA. So the 3% issue is off the table ?? Now i'm back to considering a new F or V variable A. i hadn't though...
by trishna99
Thu Feb 06, 2014 12:17 pm
Forum: Personal Investments
Topic: need help on 1035 exchange choice
Replies: 11
Views: 1037

Re: need help on 1035 exchange choice

Thank-you for responses My old VA thru Ameriprise/riversource is RAVA Advantage. 10 yr. surrennder. 2002 NON qualified. I'm 62 y.o. this year and have started taking out about 1,200/month from this annity. out of 280K (I'm trying to hold off getting SS until at least 66.) My old VA contract states,...
by trishna99
Thu Feb 06, 2014 9:06 am
Forum: Personal Investments
Topic: need help on 1035 exchange choice
Replies: 11
Views: 1037

Re: need help on 1035 exchange choice

Thank-you for responses My old VA thru Ameriprise/riversource is RAVA Advantage. 10 yr. surrennder. 2002 NON qualified. I'm 62 y.o. this year and have started taking out about 1,200/month from this annity. out of 280K (I'm trying to hold off getting SS until at least 66.) My old VA contract states,'...
by trishna99
Wed Feb 05, 2014 1:33 pm
Forum: Personal Investments
Topic: need help on 1035 exchange choice
Replies: 11
Views: 1037

need help on 1035 exchange choice

Because i have to stay with in an annuity product what does this option look like??????? If i exchange an old VA( only with Death Benefits no riders…3% interest rate) Riversource. for a new Fidelity VA or Vanguard VA (no surrender/ low fee ,….but no guarantees on principal. Based on the fact that i'...
by trishna99
Fri Jan 31, 2014 3:49 pm
Forum: Personal Investments
Topic: exchange of old annuity
Replies: 5
Views: 510

Re: exchange of old annuity

if you are looking at a 1035 exchange then take a look at the Vanguard Variable Annuity. It is low fee, no early withdrawal fee and invests in mostly clones of existing mutual funds. You can set up withdrawals as you like and do not need to annuatize till age of 90 or 95.... talk to vanguard. inves...
by trishna99
Fri Jan 31, 2014 7:29 am
Forum: Personal Investments
Topic: exchange of old annuity
Replies: 5
Views: 510

exchange of old annuity

I'm 62 this year and have been drawing on a old variable annuity for income 1400/month. I'm past my surrender period (2002), have the standard death benefits but pay at least 3.5% in annual costs on my 290,000 VA. After some research and conversation i decided to split my old annuity into 2 with SEC...
by trishna99
Mon Jan 13, 2014 3:32 pm
Forum: Personal Investments
Topic: investments only income at 62 y.o.…for now.
Replies: 10
Views: 1321

Re: investments only income at 62 y.o.…for now.

would it be wise to do a 1035 Exchange on current anunity? to lower fee company? do i encur tax from this exchange? There are no surrender fees. Can i request my allocation in current annuity be put in lower fee Funds? By exchanging anunity for another anunity…i will have less ER but allocation will...
by trishna99
Mon Jan 13, 2014 11:58 am
Forum: Personal Investments
Topic: investments only income at 62 y.o.…for now.
Replies: 10
Views: 1321

Re: investments only income at 62 y.o.…for now.

Trishna99- Here is a slightly reformatted version of what you posted: Age 62 – Retired, not taking SS. Want to delay SS until at least age 66. Estimated SS = $24,000/year No debt Income needed $28,500/year Current Income sources: Total = $28,128 Pension: $4,500 Taxable annuity: $11,628 Taxable acco...
by trishna99
Mon Jan 13, 2014 11:17 am
Forum: Personal Investments
Topic: investments only income at 62 y.o.…for now.
Replies: 10
Views: 1321

Re: investments only income at 62 y.o.…for now.

I plan on having two buckets, one pre SS and the other 4%(or safe withdraw rate).Different goals, different time frames, different AA(probably just fixed income for pre SS ) John That is a thought …Keep (taxable) anunity at 60 % stocks withdraw 1300/month Mutual Fund Co. (capitol Gains) ….make 50 %...
by trishna99
Mon Jan 13, 2014 10:07 am
Forum: Personal Investments
Topic: investments only income at 62 y.o.…for now.
Replies: 10
Views: 1321

Re: investments only income at 62 y.o.…for now.

To Break down my situation in regard to my previous post. THank-you for Reply! I'm Single 62 y.o. Tax Rate …i think 15%? i didn't work last year and just took out of investments. I had 15% Federal taken out and 5% State From my Annuity. My Debt is : Home equity 6,000 (3.25%) Credit Card 2, 000 (6%.0...
by trishna99
Sun Jan 12, 2014 11:43 am
Forum: Personal Investments
Topic: investments only income at 62 y.o.…for now.
Replies: 10
Views: 1321

investments only income at 62 y.o.…for now.

I will be 62 y.o. this year and plan on not taking social security until 66 or 70 if possible. My pension is very small so i withdraw from my investment accounts for income. My house is 'paid off' but property tax is about 4200/yr.( Home Value 200K) My monthly living expenses are about 2400/month. T...
by trishna99
Wed Jan 08, 2014 5:49 pm
Forum: Personal Investments
Topic: In Retirement IRAs into one Vangaurd index/target IRA?
Replies: 4
Views: 390

Re: In Retirement IRAs into one Vangaurd index/target IRA?

Thank-you for replys! I thouht i would ask about my other investments in more detail later. But at this point…i'm considering putting all my IRAs together. Each separate ? have their own expense for each company? but all together in a Target fund/or spartan? would not only be less expensive? but eas...
by trishna99
Wed Jan 08, 2014 12:50 pm
Forum: Personal Investments
Topic: In Retirement IRAs into one Vangaurd index/target IRA?
Replies: 4
Views: 390

In Retirement IRAs into one Vangaurd index/target IRA?

I'm still working out asset allocation in my main 2 accounts. Taxable mutual fund and non qualified annuity. For my IRAs: My question now is : ?? should i roll over ALL IRAs into ONE Vanguard Target date account? a Fidelity IRA? or just be convenient and put all to my Chase IRA? I'm 62 this year Ret...
by trishna99
Sun Nov 24, 2013 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: single female taking SS at 62
Replies: 13
Views: 1516

Re: single female taking SS at 62

William Bernstein had a good answer to the 62/70 question: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you want to prioritize the former. The cleares...
by trishna99
Sun Nov 24, 2013 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: single female taking SS at 62
Replies: 13
Views: 1516

Re: single female taking SS at 62

i was married for 2 years and then widowed. My husband was self employed 39 y.o. i got a one time only 5000 for his benefits. Assuming no children, you can't be a widow until the age of 60. (I am going to trim a lot of this) You can be a widow and not collect your own benefit, allowing it to increa...
by trishna99
Sun Nov 24, 2013 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: single female taking SS at 62
Replies: 13
Views: 1516

Re: single female taking SS at 62

It does not sound like it but be sure to mention if you were divorced after more than ten years of marriage or if you are widowed. If so there may be more social security options available to you,. You can get your social security amounts at various ages from the social security web site which woul...
by trishna99
Sun Nov 24, 2013 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: single female taking SS at 62
Replies: 13
Views: 1516

Re: single female taking SS at 62

p,s, is you take my advice then you should shift your portfolio so that $235,000 is in fixed income -- you cannot afford to lose any of that amount, though you do have time to weather short term fluctuations in bond prices. FWIW we use Vanguard Wellesley for this purpose, with a 20% cushion Thank-y...
by trishna99
Sun Nov 24, 2013 10:40 am
Forum: Personal Finance (Not Investing)
Topic: single female taking SS at 62
Replies: 13
Views: 1516

single female taking SS at 62

Single female questions to take SS at 62 or use savings for a couple more years? Most financial plans I've reviewed have been on couples or singles with large pensions. This is my situation. If I take out SS next year at 62 my payment will be 1480.00/month.( 17,000 a year.) To add to my income I can...