Personal Investments • Re: New $500k portfolio
Welcome. What I would recommend is first deciding what your want your asset allocation to be, and then picking funds to fit that. Right now your proposed breakdown is:57% US stocks (divided across 3...
View ArticlePersonal Investments • Re: Rebalancing
If you have tax advantage accounts, you can rebalance in those account. You should see all acount as a single portfolio.If you hae no tax advantage account, you can divert your distribution from the...
View ArticlePersonal Investments • Re: 4% Rule
Let me see if I understand your numbers. About 7.5M investment and $3M in real estatePension plus two SS 350k per yearAnnual expenses 160k per yearCan you tell me how you calculated 1% withdrawal...
View ArticlePersonal Investments • What Do You Think of These Investments?
Hi guys,Recently I talked to a FA at my bank. He suggested 2 investments. They are the following:Index Annuity:- 100% protection of principal- 10% withdrawal from principal- 3% guaranteed return even...
View ArticlePersonal Investments • Re: Spending down cash in a stock market downturn -...
Some people seem to be fixated on the cash "bucket". How about just 50% stock and 50% fixed income (notice that I didn't use the "c" word as in my original post, so please, no c*** bucket).Cash and...
View ArticlePersonal Investments • Re: Does opening a 529 account as a California...
This is very insightful, coming from a California resident. But our school zone (we are renting) ratings are 4 / 5 / 7 for elementary / middle / high schools. So, we may have to send our kid to...
View ArticlePersonal Investments • Re: What Do You Think of These Investments?
You might want to put “annuity” in the subject.My view on these investments is, “NOOOOO!” but you want posters with actual expertise.Statistics: Posted by BirdFood — Sun Sep 08, 2024 12:37 am
View ArticlePersonal Investments • Re: Variable Universal Life Questions and Advice
VUL. Is pretty bad usually. In general, it is not a good idea to mix investing and insurance. I would cash it out AFTER getting term life. Don’t let a sunk cost deter you into throwing good money...
View ArticlePersonal Investments • Re: Roth 401K vs Traditional 401K
Our numbers are here.viewtopic.php?t=400619Without knowing your exact numbers, I would go with the deductible 401(k).Unfortunately, we (and you?) are missing some numbers that matter: your marginal...
View ArticlePersonal Investments • Re: Going to a 100% Stock Asset Allocation Due to Nice...
55M 58F retired. 1 pension with COLA. Our pension covers our regular monthly expenses with surplus of about $2k a month. Our brokerage is our fallback to cover lumpy expenses, big trips , larger...
View ArticlePersonal Investments • Re: my experience so far setting up Fidelity CMA
I just logged into Fidelity and clicked on the CMA account and immediately got the pop-up that a new debit card is on its way LOL, no action needed. I guess I haven't clicked on that account in a...
View ArticlePersonal Investments • Re: tax activity for ALL of MY accounts at Vanguard
Probably the answer is no, but is it possible to easily obtain either YTD or quarterly info for accounts that are only mine, and include now merged mutual fund accounts?Sorry I can't answer your...
View ArticlePersonal Investments • Re: 60/40 too risky for 73 year old
At 73, you are no longer looking at a 30 year retirement. The above mentioned table does not do 20 years, which is probably more realistic. This article includes a graph for a 20 yr withdrawal that...
View ArticlePersonal Investments • Re: My bond portfolio is a "zoo with too many...
Why not just 75% BND, 25% SCHP (intermediate term TIPS)?Very simple, very defensible.+1.... I personally would split nominals and TIPS 50/50 rather than 75/25, but two bond funds is likely the most...
View ArticlePersonal Investments • Re: investing [Where to invest 300k fixed-income]
Schwab Value Advantage Money Fund® – Investor Shares (SWVXX) are currently yielding 5.13%. You can probably find better. I just threw 6 figs in today. Same situation.Statistics: Posted by quadog — Tue...
View ArticlePersonal Investments • Re: Treasury Bills and Notes
Why not???The Trinity Study on Safe Withdrawal Rates did not assume a bucket strategy nor a rolling ladder of individual bonds, just the annualized return of the investment classes which is achievable...
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Personal Investments • Re: Please help, not sure what I'm doing
@ bonesly - Thank you so much for your reply!It's always nice to hear that feedback was useful. You're very welcome! I notice in your example you have her IRA listed with $238,000; she has $283,000 in...
View ArticlePersonal Investments • Re: Portfolio Review - Investor with High Anxiety
Hi. Thanks for the help again.a) With everyone's recommendation, I have changed my Desired Asset Allocation:Desired Asset allocation: 80% stocks / 20% bondsDesired International allocation: 30% of...
View ArticlePersonal Investments • Re: account security while travelling?
Always use a VPN when connecting to your financial accounts on public wifi, especially overseas.One day this canard will die.A VPN does nothing to improve your security when traveling. A VPN...
View ArticlePersonal Investments • Re: Rebalance stocks to index funds - tax implications...
Now that I am aware of the benefits of index funds and ETFs I definitely am a believer - on my tax advantaged retirement accounts I have already made the changes - but on taxable accounts I am stuck...
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