Search found 208 matches

by gurusw
Tue May 27, 2008 2:54 pm
Forum: Personal Investments
Topic: Portfolio suggestions welcome
Replies: 4
Views: 1780

PW, thanks for your post. FBNDX has been a dog in the past, and invests only in intermediate-term corp bonds. So I am not sure if the high volume investment in that fund would make sense for me. Does ER rank higher than diversification and performance? Also is REIT as 20% of US stocks on the high si...
by gurusw
Mon May 26, 2008 5:05 pm
Forum: Personal Investments
Topic: Portfolio suggestions welcome
Replies: 4
Views: 1780

Portfolio suggestions welcome

Emergency funds = 6 months of expenses Debt: None Tax Filing Status: Married filing Jointly Tax Rate: 25% Federal 5% State MA Age: 33 Desired Asset allocation: (67/33) Intl allocation: 50% of stocks Taxable at Vanguard 0% cash 26% Vanguard FTSE All World - US (VFWIX) (0.4) 11% Vanguard Inter-term Ta...
by gurusw
Sun May 25, 2008 10:15 pm
Forum: Personal Investments
Topic: Bond funds for AA
Replies: 1
Views: 1007

Bond funds for AA

Hi, I have Fidelity Investment Grade bond fund in my 401K which has ER 0.45. The other bond fund is stable value fund namely Fidelity Managed Income Portfolio which is not even listed on Fidelity's website. But it is offered to my company and has expense ratio of 0.55. Investments 1 YR 3 YR 5 YR 10Y...
by gurusw
Mon May 19, 2008 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: car insurance - primary & optional driver
Replies: 4
Views: 1639

car insurance - primary & optional driver

Hi, We have 2 cars which both me & my spouse drive. I am primary driver for the 8 yr old car, and she is primary for the new car. I am optional driver on new car, and she is optional on old car. I have perfect driving record, and she has less than perfect record. Will we save on the car insuranc...
by gurusw
Mon May 12, 2008 1:56 pm
Forum: Personal Investments
Topic: Portfolio advice
Replies: 24
Views: 4645

Your reply about rebalancing makes sense. However I am still not so clear about tax angle. In cashcow's suggested portfolio, intl stcks are in ROTH and also in taxable acct. So at the time of redemption at retirement, they will come out tax-free from ROTH. He will pay long-term capital-gain tax for ...
by gurusw
Mon May 12, 2008 12:47 pm
Forum: Personal Investments
Topic: Portfolio advice
Replies: 24
Views: 4645

PW, I often saw that the AAP is spread across taxble and tax-deferred accounts. I think it makes sense when bonds are in tax-deferred accounts. But does not putting REITs in ROTH, or putting Intl stocks in taxable gives these investments tax-advantage compared to US stocks in 401Ks/IRAs? Does it als...
by gurusw
Sun May 11, 2008 12:25 pm
Forum: Personal Investments
Topic: RE vs stocks investment
Replies: 9
Views: 2845

Thanks for the replies. It seems there is no thumb rule for RE allocation. I gather the suggestion is to buy as small house as you are comfortable, and invest the rest in stocks+bonds. (Taylor suggests to buy a large house only if you want to increase RE exposure.) Being in NorthEast 400K does not g...
by gurusw
Sun May 11, 2008 9:40 am
Forum: Personal Investments
Topic: RE vs stocks investment
Replies: 9
Views: 2845

RE vs stocks investment

Hi, I am hoping the forum members will help me with my situation here. I am planning to buy a house soon, but I am confused regarding how much to pay down and if I should take 15 yr vs 30 yr mortgage. I am 33, has 6mth daughter and non-working spouse. I have $75K in 401K, and 225K in taxable accts. ...