- She has a trust fund with Northern in which she has no say in the invesments. All of the investments are in Northern funds and the allocation is approx 50/50 stock/equities. This represents approx 30% of her investments.
She has an IRA and a taxable account which represent approximately 60% and 10% of her investments respectively.
She also owns a Wells Capital non traded REIT in her IRA which represents approx 5% of her investments (included in the 60% figure above.)
She owns her condo with some debt but payments are manageable.
She is in the 15% tax bracket.
She recieves Social Security and is taking distributions of 5% of her total investments out
- 60/40 Equities/bonds
Of the Equities 70% in US and 30% in Foreign
Both the US and Foreign will then be split 50/50 into Largo Co and Small Co (or emerging in the case of foreign)
Each category will be weighted toward value.
The REIT is included in the large co equities
The invesments I plan to make at Vanguard to achieve the above are as follows:
VFINX(or should I put the NAESX in there?)
Dodge and Cox (she already owns this and I feel it is a good fund)
Wells Capital Reit (once I figure this out I will try to sell it)
I also want to add in one actively managed fund for a small cap fund and one actively managed account to try to capture some small cap value in foreign.
Here are a couple of questions: Anyone have an opinion about VEIEX and the upfront .05% fee they charge? They also charge it upon sale?
Anyone ever dealt with a non-publicly traded REIT?