Bogleheads.org

sometimesinvestor

Sorry for your loss I think from later posts you are aware that you have to take money out of the account each year with the amount based on life expectancy but what is not clear (I skipped posts) is whether you have taken out enough money in the immediate years that you do not fall into the trap of...

sometimesinvestor

I like all the suggestions though you should be aware that i bonds don't work if you need current income as they dont provide any
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'You also might consider this approach over the next year or two
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'https://www.bogleheads.org/wiki/Value_averaging
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sometimesinvestor

Sorry for your loss. 'Wait a few weeks after the Fed raises interest rates in march .Then check out 5-7 year CDs at internet banks like Ally synchrony discover etc . Several of them offer these Longer term CDs with only 6 month interest penalties and you will probably find after you do the arithmeti...

sometimesinvestor

I am more or less with the other posters but would put it differently . Decide how much you could lose such that person would still be your friend For me that would be about 5k /

sometimesinvestor

whodidntante wrote:Buy in May because of a possible increase in the fixed portion of the rate. It is currently 0%.

Somewhere about april 15 the 6 month inflation rate is known It will probably be mentioned on this site. At that point you can buy before or after May 1.

sometimesinvestor

I am slightly puzzled as this website https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_G_Perf.html says the G fund made about 2% last year.I actually didn't think one could lose money in most scenarios.Obviously your advisor could have put you in bond funds that did better(floating ra...

sometimesinvestor

Goo advice by the knowledgeable retiredjg.(after visiting the site for awhile you learn whose advice is particularly useful).Building on his comment I suggest the 2020 or 2025 fund while maintaining your Total Stock market. You won't be very right or very wrong with that advice.

sometimesinvestor

I did not notice this point in the responses but your healthi s important ,Generally you have to live to somewhere between 78 and 80 before gaining more by postponing . These days most do and your wife is likely to but you should consider this.

sometimesinvestor

Your plan is slightly conservative but sensible so If you are comfortable stick with it. As to the decision on tax exempt bonds I suggest you do nothing at the moment except possibly take the dividends in cash and use it for i bonds or other inflation hedges. As to getting out of the tax exempts you...

sometimesinvestor

In recent years people have purchased these stocks for the dividend and they are also widely held in low volatility ETFs As a result these stocks are sort of overpriced in that they generally have a high Peg ratio (PE higher than growth rate) so you are bucking the odds a bit .THese stocks underperf...

sometimesinvestor

Issues arise if the company is not listed on a usa stock exchange. I few years ago when I tried to buy Nestle Merrill Lynch wanted me to fill out na form saying I knew the risks. Being lazy I just purchased Hershey

sometimesinvestor

Currently the Bull Market is the second longest on record.IN the light of that fact prudence is unlikely to be a bad choice so make your wife happy . If stocks fall 20% you can always reconsider

sometimesinvestor

She needs earned income to contribute to an IRA but if she worked in 2016 she has till april 15 .As to whether she should switch to an IRA for other reasons we don't have enough info as we don't know what options she has in the 457.As is well known by submissions to this board some 457's are excelle...

sometimesinvestor

I think an issue is how hard it is to roll your money into another investment Lehman may have happened quickly but you probably had years to get out of Kodak and perhaps Chrysler

sometimesinvestor

Problem s are to some extent associated with the influx of money. Comparisons with other fund families regarding service often are not to Vanguard 's benefit but the company appears to be aware of the problem,

http://www.investmentnews.com/article/2 ... e=printart

sometimesinvestor

As an example in the thread on American funds a commenter indicated that an international fund outperformed because it used a large share of us funds and the fund was criticised for using the wrong benchmark. I do not want my active manager fishing in poisoned waters . If for example my large cap ma...

sometimesinvestor

If you are nervous and obviously you might or might not prove correct how about keeping it simple with lets say a 2025 or 2020 target date fund?

sometimesinvestor

You have received good and accurate advice but it is quite rare that waiting to the following april is a good idea and you should definitely do the calculations rather than just guess.i

sometimesinvestor

It should be pointed out that TRP target funds will normally outperform vanguards in good years and underperform in bad years because in most cases TRP funds have significantly more in equities

sometimesinvestor

I do not think you should sell wellington in the taxable account(why pay taxes in a good long term investment?) but agree it might not be best to invest additional dollars though you could perhaps continue to reinvest dividends if you are not sure that anything else would be a better investment. In ...

sometimesinvestor

I am not risk averse so think that 60-40 is fine at almost any age and since the stock market usually goes up the larger allocation to stocks works better over the very long run. I note that there is very little international in wellington but as pointed out diversification does not always work . I ...

sometimesinvestor

Not enough info to call you crazy and certainly not if you are apending the income fom but as you know you would be better off with the S+p 500 (less taxable income and possibly more growth. I agree with the comment re your Roth and lack of stocks. VYM would be a good choice for that combining some ...

sometimesinvestor

I sort of agree with those who suggest contributing up to the match limit but you have not told us the interest rate you are paying on the debt.If some is credit card debt at 18% you should pay that off first as you are unlikely to get as good a return on investments unless the match is very generou...

sometimesinvestor

hardly surprising since international did so bad and bonds mediocore emerging markets poor and high yield not great plus lots of people probably were invested overweight in health care. I was

sometimesinvestor

I think you should sell over two, three or four years.and certainly not in one calendar year Check with an accountant about whether a sale at a profit now would be taxable for the year 2016 and if you can decide if you wish to do so.. .If you want to gamble on Trump's announcements sell some fractio...

sometimesinvestor

As pointed out by some of the posts immediate investment might be best but for you I suggest Value cost averaging/ IT should work out fairly well and perhaps more important give you confidence you are doing the right thing I actually think the investopedia link is clearer than the Boglehead wiki lin...

sometimesinvestor

T.Rowe Price and Fidelity have good floating rate bond funds . They will do well in rising interest environments though there is some credit risk(not that much but some) These would be good investments in the short .medium run .I would buy an intermediate bond fund if the 10 year rate is 4%.Alternat...

sometimesinvestor

so is there a better investment strategy than broad US based index funds for a core portfolio holding? Active Funds? or ETFs sliced and diced? Don't know if anyone can give you a good answer to that question and it certainly can't be done until we know the reason for the economic stagnation. For ex...

sometimesinvestor

a bracket higher than 30% suggests to me that standard is best but what is clear is at the time of retirement you want some money in both . The child's age is also relevant . Over 50 standard is also likely to work better

sometimesinvestor

I believe "the book" suggests " that the optimal time to buY LTC is generally in the mid 50 but if this rare is very low and will last for the the rest of yourlife it might be worthwhile (sorry but I don't know enough about rates especially at your age

sometimesinvestor

At current levels I don't particularly want to buy stocks or bonds.I do not think its obvious to get out of the market at this time and I don't actually think it was clear to do so in 2007 but sometimes (spring of 2000) it is and in that sense I disagree with Jack as the amount I have on the day of ...

sometimesinvestor

i may be missing something but assuming you file jointly it does not seem to matter for tax purposes which account you withdraw from. I would take the money out of your account till you are 70.5 (Your account is larger so there is more to take out) Once you reach 70-5 it may be appropriate to take e...

sometimesinvestor

The usual suggestion for improving your credit score is borrowing money and paying it back with ontime payments. I think the credit card isa the easiest way to do that.I don't know if anyone will answer yes to your question bu I do think a credit card is the way to go provided you pay the money back...

sometimesinvestor

Just to clarify it is my understanding that active management outperforms indexing but does not do so net of fees. This is a reason Wellesley and wellington have outperformed the appropriate indices. I am fairly confident that Harvard pays still lower fees for stock and Bond investments so it may be...

sometimesinvestor

[Thread merged into here, see below. --admin LadyGeek] Next to Berkshire Hathaway I believe Vanguard is the second largest shareholder of wells fargo and consistently votes with the board including on executive compensation .Vanguard argues that they have influence behind the scenes, Not much I wou...

sometimesinvestor

will you be working until its time for rmds? I not you may wish to consider partial roth conversions in the years between your retirement year and the time when you have to take rmds Diversifying how your accounts are taxed can be helpful. other than that i agree that your plan is a good one

sometimesinvestor

If you were 100% in stocks at the beginning of 2008 and made no moves you would have been even near the end of 2010 but in a bit of trouble in sept 2011. Basically I would treat it as be100% in stocks till roughly age 15 then if you think the market is high begin to significantly be out of stocks. I...

sometimesinvestor

I believe that what the op mean as a benchmark was a figure that was appropriate to compare to to evaluate if he had made the wrong decision . Since an alternative he considered was lifestyle growth he concluded that he had made the wrong decision We now know but could not have known at the time was...

sometimesinvestor

Depending on risk tolerance a combination of something like Vanguards tax managed balanced fund and Total Stock market in a taxable account will probably work out/ An alternative to the balanced fund might be a state tax free municipal fund depending on what state you live in .

sometimesinvestor

I think its ok to have an investment in IT services but as suggested it is too specialized to have more than 5% of your investments in it. It is NOT the one fund to have if you are having only one. For that FFNOX is a possible choice The Spartan 500 fun FUSEX would also be an ok choice Once you have...

sometimesinvestor

While past performance is no guarantee a sure thing is a sure thing Roll over the bond funds in your 457b into the G fund and otherwise do nothing hh

sometimesinvestor

I buy stock in my local utility as a hedge against larger bills . I buy Exxon as a hedge against higher gas prices I don't smoke so I don't buy altriag

sometimesinvestor

Given your desire fora significant value tilt, which I don't happen to agree with I think the portfolio is fine but i would put perhaps an additional 5-10% in a bond fund so you will have a source of funds to use to buy equities if the market fell significantly. This assumes that your statement that...

sometimesinvestor

I may be in the minority but the current portfolio seems ok to me.I am sure most of us have underperformed this portfolio year to date and possibly over one year. There may be a good less expensive (ER) alternative to the Global income fund but this portfolio seems set up for Capital preservation wh...

sometimesinvestor

yes , you are asking lot of people to look up that many funds . i recognize only two symbols prwcx (price capital appreciation , an excellent fund ) and Fcntx fidelity contrafund , also a good fund .Given those two I suspect that you can put together a good asset allocation whether or not you includ...

sometimesinvestor

I think you should try to save enough money for tuition room and board at the best public college in your state .If your kid (s) can get into Harvard, Yale Princeton ,MIT, Stanford etc well those schools are pretty generous with scholarship money . Between the very top schools and your best state co...

sometimesinvestor

THe concept is ok but why didn't you do it over time say 10 or 25k per month . Are there a limited number of trades allowed in your 403b that would prevent this strategy. I hope other commenters address the strategy of doing this at one time rather than dollar averaging into this and they may well d...

sometimesinvestor

I do not think there is any question asked more often . It was in fact my first question I asked on this site THere are two comments generally made . One is the argument you made that you can afford to be bolder and own more stock funds . The other is that because you have other sources of income (t...

sometimesinvestor

Not sure this is the perfect thread but I do want to point out that so far the USA investing public handled Brexit very well and brought stocks on Monday and Tuesday.

sometimesinvestor

Since there is a vanguard thread wirth a schwab link here is more info

https://www.fidelity.com/viewpoints/mar ... -investors

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