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Stuff
This is just an ongoing collection of stuff I have found that might be helpful to someone.
AMT (tax) stuff:
IRS worksheet:
view link
About stock options and the AMT:
view link
General article:
view link
To be continued eventually....
AMT (tax) stuff:
IRS worksheet:
view link
About stock options and the AMT:
view link
General article:
view link
To be continued eventually....
professional management of portfolio
has anyone here had fidelity or anyone for that matter, professionally manage their retirement portfolio? we just handed ours over to fidelity, experimenting with it. not sure how we like it yet. have to adjust to a whole new attitude and method of investing, and, costs fair amount, which of course, is worth it if the gains are there. curious as to the experience out there folks.
Clark Capital Management Group
My financial adviser is recommending this company for my long term investments. Does anyone know about them? The fund he's recommending was started 8 years ago, so the history is a bit short but good. I've Googled them but I'm not finding much.
Diane
Diane
I'm Back
Hello everyone I thought i would leave a quick note to let all of you know I'm back on line. Holley and i are now living in West Chester Pa. were I'm teaching a a full professor at West Chester University. Holley's green thumb has really gotten greener this year.
liquidity!
Been into my own advice since I started and cringe when I see what my unions "Financial advisors" return on the pensions millions. My own investments started conservative and have stayed that way(with occasional cheap shots at distressed companies). I look forward to input from other perspectives if not what to do then what not to do. Thanx Joel
What to do
Hello,
I am a novice with portfolios, and I do have a professional manager whose integrity I do trust. As soon as I can get my work life more in balance, I will spend more time learning and monitoring my small nest egg together with my advisor.
I understand that no one has a crystal ball, but I wonder about the intermediate? term outlook especially for the domestic market. Again, I don't really grasp economics well, but I wonder about the structural problems in the U.S. with so much debt, etc.
I just turned 65 (and there are some benefits), and although I don't intend to withdraw funds from my portfolio for maybe 8-10 years at least, if my portfolio crashes as it did in the 2001-2002? market, I don't know that I would I would have enough time to recover more than my original capital investment level. So what's the point...I don't know whether forecasters or technical analysis methods tend to forecase such a looming crash in the near future.
My current portfolio is:
Equitites-Mutual Funds, ETF,
Columbia Fund Series Trust Mid Cap Value Fund Class B 13.7%
Growth Fund America Inc, Class B 14.5%
Rydex Trust S&P 50 Pure Value 12.9%
Rydex ETF Trust S&P Midcap 400 Pure VAlue 15.8%
Capital Income Builder Fd, Class B 25.0%
Thornburg Invest Trust Invt Inc Builder Cl A 14.9%
Henderson Euro Focus
EFT Global Div Achievers--mainly European
Kensington Inter'l Real Estate - global
Stock
Alianz SE sponsorsed - stock
What are other peoples' approaches as to when they think the market might take a major correction???
Thanks,
Sue
I am a novice with portfolios, and I do have a professional manager whose integrity I do trust. As soon as I can get my work life more in balance, I will spend more time learning and monitoring my small nest egg together with my advisor.
I understand that no one has a crystal ball, but I wonder about the intermediate? term outlook especially for the domestic market. Again, I don't really grasp economics well, but I wonder about the structural problems in the U.S. with so much debt, etc.
I just turned 65 (and there are some benefits), and although I don't intend to withdraw funds from my portfolio for maybe 8-10 years at least, if my portfolio crashes as it did in the 2001-2002? market, I don't know that I would I would have enough time to recover more than my original capital investment level. So what's the point...I don't know whether forecasters or technical analysis methods tend to forecase such a looming crash in the near future.
My current portfolio is:
Equitites-Mutual Funds, ETF,
Columbia Fund Series Trust Mid Cap Value Fund Class B 13.7%
Growth Fund America Inc, Class B 14.5%
Rydex Trust S&P 50 Pure Value 12.9%
Rydex ETF Trust S&P Midcap 400 Pure VAlue 15.8%
Capital Income Builder Fd, Class B 25.0%
Thornburg Invest Trust Invt Inc Builder Cl A 14.9%
Henderson Euro Focus
EFT Global Div Achievers--mainly European
Kensington Inter'l Real Estate - global
Stock
Alianz SE sponsorsed - stock
What are other peoples' approaches as to when they think the market might take a major correction???
Thanks,
Sue
What to do
Hello,
I am a novice with portfolios, and I do have a professional manager whose integrity I do trust. As soon as I can get my work life more in balance, I will spend more time learning and monitoring my small nest egg together with my advisor.
I understand that no one has a crystal ball, but I wonder about the intermediate? term outlook especially for the domestic market. Again, I don't really grasp economics well, but I wonder about the structural problems in the U.S. with so much debt, etc.
I just turned 65 (and there are some benefits), and although I don't intend to withdraw funds from my portfolio for maybe 8-10 years at least, if my portfolio crashes as it did in the 2001-2002? market, I don't know that I would I would have enough time to recover more than my original capital investment level. So what's the point...I don't know whether forecasters or technical analysis methods tend to forecase such a looming crash in the near future.
My current portfolio is:
Equitites-Mutual Funds, ETF,
Columbia Fund Series Trust Mid Cap Value Fund Class B 13.7%
Growth Fund America Inc, Class B 14.5%
Rydex Trust S&P 50 Pure Value 12.9%
Rydex ETF Trust S&P Midcap 400 Pure VAlue 15.8%
Capital Income Builder Fd, Class B 25.0%
Thornburg Invest Trust Invt Inc Builder Cl A 14.9%
Henderson Euro Focus
EFT Global Div Achievers--mainly European
Kensington Inter'l Real Estate - global
Stock
Alianz SE sponsorsed - stock
What are other peoples' approaches as to when they think the market might take a major correction???
Thanks,
Sue
I am a novice with portfolios, and I do have a professional manager whose integrity I do trust. As soon as I can get my work life more in balance, I will spend more time learning and monitoring my small nest egg together with my advisor.
I understand that no one has a crystal ball, but I wonder about the intermediate? term outlook especially for the domestic market. Again, I don't really grasp economics well, but I wonder about the structural problems in the U.S. with so much debt, etc.
I just turned 65 (and there are some benefits), and although I don't intend to withdraw funds from my portfolio for maybe 8-10 years at least, if my portfolio crashes as it did in the 2001-2002? market, I don't know that I would I would have enough time to recover more than my original capital investment level. So what's the point...I don't know whether forecasters or technical analysis methods tend to forecase such a looming crash in the near future.
My current portfolio is:
Equitites-Mutual Funds, ETF,
Columbia Fund Series Trust Mid Cap Value Fund Class B 13.7%
Growth Fund America Inc, Class B 14.5%
Rydex Trust S&P 50 Pure Value 12.9%
Rydex ETF Trust S&P Midcap 400 Pure VAlue 15.8%
Capital Income Builder Fd, Class B 25.0%
Thornburg Invest Trust Invt Inc Builder Cl A 14.9%
Henderson Euro Focus
EFT Global Div Achievers--mainly European
Kensington Inter'l Real Estate - global
Stock
Alianz SE sponsorsed - stock
What are other peoples' approaches as to when they think the market might take a major correction???
Thanks,
Sue
2008 tax breaks
I just read that people in the 10% or 15% bracket there will no tax on long term capital gains or qualified dividends starting this year till 2010 sounds good to me. I wondering what a change in the administration will have on stocks and mutual funds.
Portfolios
You guys are providing some great posts. Thank you!!
I'm interested to see how other people set up their portfolio. This should have been easy for me but I got caught in analysis paralysis. Then I read the adage "The worst enemy of a good plan is a great plan", and it was easy after that.
Here's mine (all Vanguard, except for 1 international fund):
Bonds - 35%
High Yield Corporate 5%
GNMA 10%
Total Bond Index: 10%
Inflation Protected Securities 10%
Domestic Stock Funds: 50%
Large US stocks
Health care specialty 5%
Windsor II 10%
Total Stock Market Index 20%
Mid/small US Stocks
REIT index 5%
Vanguard Total Stock Market 10%
International Stock Funds: 20%
Total Int'l Stock index: 5%
International Explorer 5%
Emerging Markets: 5%
Tweedy Browne Global Value: 5%
(I need to unemotionally rebalance some $ back into bonds, I'm down to a 27% allocation. )
If anyone is interested, I have a wonderful series of 4 articles by Jonathan Clements on how to set up a good (not perfect) portfolio that I can send you. I can't find it on the web.
I'm interested to see how other people set up their portfolio. This should have been easy for me but I got caught in analysis paralysis. Then I read the adage "The worst enemy of a good plan is a great plan", and it was easy after that.
Here's mine (all Vanguard, except for 1 international fund):
Bonds - 35%
High Yield Corporate 5%
GNMA 10%
Total Bond Index: 10%
Inflation Protected Securities 10%
Domestic Stock Funds: 50%
Large US stocks
Health care specialty 5%
Windsor II 10%
Total Stock Market Index 20%
Mid/small US Stocks
REIT index 5%
Vanguard Total Stock Market 10%
International Stock Funds: 20%
Total Int'l Stock index: 5%
International Explorer 5%
Emerging Markets: 5%
Tweedy Browne Global Value: 5%
(I need to unemotionally rebalance some $ back into bonds, I'm down to a 27% allocation. )
If anyone is interested, I have a wonderful series of 4 articles by Jonathan Clements on how to set up a good (not perfect) portfolio that I can send you. I can't find it on the web.
Gold as inflation hedge
Hello everyone. I hope everybody enjoyed their holidays.
Been thinking about adding a small amount of gold stocks to my portfolio as a small hedge against inflation should it rear its ugly head. So far the Fed seems to have been making good progress balancing its anti-inflation efforts with those promoting overall economic growth. I am, at this point, fairly well diversified but am always wary of inflationary pressures (remember the nightmare of the 70's?).
Any suggestions or thoughts about gold in this role and potential equities to invest in?
JM
Been thinking about adding a small amount of gold stocks to my portfolio as a small hedge against inflation should it rear its ugly head. So far the Fed seems to have been making good progress balancing its anti-inflation efforts with those promoting overall economic growth. I am, at this point, fairly well diversified but am always wary of inflationary pressures (remember the nightmare of the 70's?).
Any suggestions or thoughts about gold in this role and potential equities to invest in?
JM
