Search found 259 matches

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: 4820

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: Investing - Help with Personal Investments
Topic: Parents Portfolio HELP - John Hancock Annuity
Replies: 11
Views: 3677

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: Investing - Help with Personal Investments
Topic: Migration from active to passive portfolio
Replies: 10
Views: 3388

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: 3975

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: 1752

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: Investing - Help with Personal Investments
Topic: 401K Choices for 24yr. old
Replies: 16
Views: 4431

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: 3633

Great article, thanks for sharing it...
by winterescape
Sun Apr 15, 2007 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Parents Portfolio HELP - John Hancock Annuity
Replies: 11
Views: 3677

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: Investing - Help with Personal Investments
Topic: Tax efficient funds for my non-ret acc recommendations?
Replies: 21
Views: 7501

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...