Search found 263 matches

by winterescape
Mon Apr 30, 2007 1:08 pm
Forum: Personal Investments
Topic: Asset Allocation new vanguard investor
Replies: 6
Views: 2179

Andy, To get you in the ballpark take a look at the asset allocation of the Vanguard target retirement fund that most closely aligns with your target retirement date. Even if you decide to develop your own allocation this will give you a starting point. The 2025 Fund might be close and is at 80% sto...
by winterescape
Mon Apr 23, 2007 9:19 am
Forum: Investing - Theory, News & General
Topic: What They're Taking From Your 401(k)
Replies: 13
Views: 4230

I think I have both ends of the spectrum. I hold a 401K from a previous employer that at one time was rated one of the 10 best 401Ks by Money Magazine. It offers “core” holdings in the asset classes you would expect, S&P 500 index, Leman bros bond index, EAFE index, and a Stable value fund that is c...
by winterescape
Sun Apr 22, 2007 10:34 am
Forum: Investing - Theory, News & General
Topic: Reinvestment of dividends in taxable accounts
Replies: 27
Views: 11833

I am in agreement with the above responses; reinvest the dividends on your own. I can add one more advantage and that is the transition from saving to spending. You already have an income stream from your investments when you chose to discontinue reinvesting the distributions…..
by winterescape
Sat Apr 21, 2007 9:07 am
Forum: Investing - Theory, News & General
Topic: S&P is now positive for the millenium
Replies: 24
Views: 8743

MSN money shows the return for the vanguard S&P 500 index for the period you stated to be 8% with the total return for the past 10 years ended 4/21/07 to be 106%

http://moneycentral.msn.com/investor/ch ... mbol=VFINX
by winterescape
Tue Apr 17, 2007 1:05 pm
Forum: Investing - Theory, News & General
Topic: Most people rely on financial advisors for advice
Replies: 16
Views: 4849

I am starting to think that people who rely on brokers, advisors, etc do get screwed. However, they might do even worse on thier own. (Even after the x% of money they lose on commissions, fees, expenses, etc.) So maybe there is a place in this world for "finanaical advisors." That is not what this ...
by winterescape
Tue Apr 17, 2007 12:12 pm
Forum: Personal Investments
Topic: Parents Portfolio HELP - John Hancock Annuity
Replies: 11
Views: 3741

CFP has 'stayed the course' with little or no fund changes in the past 7 years, so at least they were not churning the account. Account churning occurs when there is more to be made by shifting the client from one front loaded fund to an equally bad alternative, for example. In your fathers case th...
by winterescape
Tue Apr 17, 2007 11:46 am
Forum: Personal Investments
Topic: Migration from active to passive portfolio
Replies: 10
Views: 3405

I too would rather see the funds directed towards VTI, instead of the S&P 500 index. Also, look at this as an opportunity to adjust your asset allocation going forward…
by winterescape
Sun Apr 15, 2007 9:44 pm
Forum: Investing - Theory, News & General
Topic: Quick SWR question
Replies: 12
Views: 4007

Two articles published regarding the study Orion linked to First from Dallas Morning News, second from WSJ…. Stay safe on retirement spending New research suggests ways to withdraw more, but it could be risky By SCOTT BURNS / The Dallas Morning News How much can you spend in retirement? Nine years a...
by winterescape
Sun Apr 15, 2007 7:14 pm
Forum: Investing - Theory, News & General
Topic: Qualified dividends & re-balancing & Long term capit
Replies: 5
Views: 1789

I just checked my return and like you I hold mostly VG stock index funds in my taxable accounts. It looks like my qualified dividends were 83% of my dividends. Care to share the fund tickers?
by winterescape
Sun Apr 15, 2007 5:36 pm
Forum: Personal Investments
Topic: 401K Choices for 24yr. old
Replies: 16
Views: 4479

Stefindc,
You sound like a seasoned professional, I cant add to the excellent advice already given above, except to say that in my opinion, you are at the head of the class!
by winterescape
Sun Apr 15, 2007 5:27 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements "Five Questions Before You Retire
Replies: 6
Views: 3674

Great article, thanks for sharing it...
by winterescape
Sun Apr 15, 2007 4:35 pm
Forum: Personal Investments
Topic: Parents Portfolio HELP - John Hancock Annuity
Replies: 11
Views: 3741

You are on the correct path. From what you have said your father had tax-deferred funds that were rolled into an IRA rollover which now holds an annuity. In every case I have seen you can roll this into an IRA at another provider. I do not have any personal experience with JH annuities, but like oth...
by winterescape
Sun Apr 15, 2007 3:20 pm
Forum: Personal Investments
Topic: Tax efficient funds for my non-ret acc recommendations?
Replies: 21
Views: 7538

You have received some well thought out advice. I am amazed as I read this forum at the folks willing to spend the time to review portfolios and counsel for free! It is a great learning tool… Anyway… If you are reinvesting dividends in any of the balanced funds you mentioned you could stop doing tha...