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I’m 71 yrs old, retired since 2000, and like most retirees, I have been reducing my portfolio risk over time.
But I still keep a good percentage of my retirement portfolio in (what I call) “risky” stocks and stock funds. Currently, about 25% of my total...
Started by zebra on
, 9 posts
by 7 people.
Answer Snippets (Read the full thread at morningstar):
At 78 older I gradually reduced investment....
At this point in my life I have chosen to take the least amount of risk possible but still own funds that offer good total returns.
I own 6 funds all rated average risk.
I'm 73 and retired.
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Bogleheads:
Philip Taylor, CPA, maintains a no-nonsense blog that he calls PT Money . His latest article caught my eye. It is about Vanguard's Target Retirement 2040:
The One Fund I Use to Invest for Retirement – VFORX
Best wishes.
Taylor
Started by Taylor Larimore on
, 37 posts
by 22 people.
Answer Snippets (Read the full thread at bogleheads):
(Though I'd do things....
If this is true-fund approach.
I understand that risks associated with equities actually increase with holding time.
I'm considering simplyfying my retirement AA and a Target Retirement fund is one.
Thanks Taylor.
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I'd like to see more of your thoughts on portfolio allocation for retirees 70 years old and up. I worked hard to acquire "age equals fixed assets" level prior to my retirement and now see that ratio gap closing. How are you handling your allocation .....
Started by prowler on
, 12 posts
by 8 people.
Answer Snippets (Read the full thread at morningstar):
So, while the overall equity is 34%, the risk is ....
The Most? and Risk Factors Be Damned? Or A max of -10% loss in any 1 yr?
-In a retirement portfolioAlmost 46.5% (I-Bonds, TSP-G Fund) of your portfolio has no risk of loss.
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Ask your Facebook Friends
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I have heard so much gloom and doom about our economy..that the sky is falling..inflation is going to skyrocket and the stock market is going to crash. Worse yet, interest rates will go up and devalue bonds. We all know the last scare in 2009. It happened...
Started by stevewl1164 on
, 15 posts
by 1 people.
Answer Snippets (Read the full thread at getrichslowly):
Quote....
Anything else involves some degree of risk and is not guarantee no matter what the salesman says.
It involves buying US government treasury securities and holding them until maturity .
One risk free guaranteed investment in the US.
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Http://www.cnbc.com/id/46386779
"Many parents who co-signed loans or borrowed money on their own for their children's education now face the loss of their retirement nest eggs, homes and other assets. As student loan debt has topped U.S. credit card debt...
Started by hunnypot1 on
, 104 posts
by 1 people.
Answer Snippets (Read the full thread at fool):
Like why from being discharged in bankruptcy....
Make that: Student Loans Threat to Parents' Retirement
not theat I think it's interesting for their retirement will go out and spend $20-30K for a car? $34,000 is in the price range of many new cars.
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I have most of my IRAs in Vanguards Target Retirement Fund (VTINX). I chose VTINX for simplicity; has nearly the exact asset allocation I seek; it's a fund of index funds; and the cost is only .17%.
Recently, I was looking at Wellesley (VWINX).
Here are...
Started by BHChinook on
, 19 posts
by 15 people.
Answer Snippets (Read the full thread at bogleheads):
Wellesley....
The Target Retirement fund is much more diversified.
Their asset allocations aren't really comparable.
The Target Retirement fund invests only in total-weights corporate bonds.
Those two funds are actually very, very different.
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Retirement: how much is enough?
Funding your retirement years comfortably is a trade-off between playing it safe, taking risks and spending prudently.
By Ben Fok
Fri, Jan 20, 2012
The Business Times
AT A FAMILY function, my 60-year-old cousin Peter asked...
Started by *StarDust* on
, 8 posts
by 6 people.
Answer Snippets (Read the full thread at sgclub):
Planning early, accounting for cost of living and risk of increased cost in the future, he could survive just fine upon retirement just based on his principal without the need for further investing:06 PM hence if a person does not intend....
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I have a somewhat complex scenario that I will sum up quickly before asking my question. I am a resident physician looking to buy a duplex/triplex. I have lived at home for the first 2 years of residency to save money for the purchase. My original plan...
Answer Snippets (Read the full thread at money-talk):
If you want to stay in debt forever, keep borrowing money retirement, but no one seems to....
To risk his retirement portfolio and possibly causing a major relational issue between the two of you risks your thinking of taking.
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Hi all - i am a civil servant of a certain age who is considering partial retirement, wondered if anybody had any thoughts or knowledge about it, i',m hearing good things about working less and not losing much money, but am also hearing that i will lose...
Started by simpleservant on
, 7 posts
by 6 people.
Answer Snippets (Read the full thread at moneysavingexpert):
I think it is....
Http://www.civilservice.gov.uk/wp-co..._tcm6-1878.pdf
Sorry I couldn't find pointing out to you that there are possible risks and downsides is negative esp considering the first paragraph.
To the Partial Retirement booklet.
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Hello,
We're late bloomers, I'm 43 and my wife is 38.
I'm entitled to a state pension, but only for the years I've lived in my home country. That would be about EUR 400/month for me. And as my wife also is a late starter, her pension won't be that great...
Started by BobFoskoo on
, 3 posts
by 1 people.
Answer Snippets (Read the full thread at getrichslowly):
Inflation: the sad fact to keep in mind that inflation itself represents ... .
Risk: while you don't want to take risks with your money, you do haveJust a couple of thoughts here on uncertainties and risk:
1.
Things could play out.
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