Join Early Retirement Today
Reply
 
Thread Tools Display Modes
Looking forward to real world investing experiences in this market
Old 05-09-2013, 04:03 PM   #1
Confused about dryer sheets
 
Join Date: May 2013
Location: Littleton
Posts: 2
Looking forward to real world investing experiences in this market

Rocky Mountain High! Just retired at 62 this week. I am curious as to how some of you are investing these days to create an income stream in this crazy market. I am hoping to get some real- world insight into what is working and not working. I have 1.3 milliion to invest. Approximately 30% is in the market and the rest is looking for something to do.

Lay it on me!

Many thanks,

pkeypr
pkeypr is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 05-09-2013, 04:38 PM   #2
Recycles dryer sheets
 
Join Date: Jul 2010
Location: Torrance
Posts: 116
On my Vanguard side I have
40% Wellesley
40% Wellington
20% Vanguard Target Retirement Fund

On my Fidelity side I have
50% Fidelity Spartan Short-term Bond fund (FSBAX)
33% Fidelity Spartan Total Market Index Fuund (FSTVX)
10% Fidelity Spartan International Index Fund (FSIIX)
7% Fidelity Emerging Markets Fund (FEMKX)
bob boag is offline   Reply With Quote
Old 05-09-2013, 05:03 PM   #3
Thinks s/he gets paid by the post
heeyy_joe's Avatar
 
Join Date: Nov 2012
Location: Madeira Beach Fl
Posts: 1,403
Take a look at:

FPBFX - Fidelity Pacific Basin Fund.

Also take a good look at etf offings on preferred stocks.
__________________
_______________________________________________
"A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do" --Bob Dylan.
heeyy_joe is offline   Reply With Quote
Old 05-09-2013, 07:06 PM   #4
Thinks s/he gets paid by the post
RAE's Avatar
 
Join Date: Jan 2005
Location: northern Michigan
Posts: 2,213
Quote:
Originally Posted by bob boag View Post
On my Vanguard side I have
40% Wellesley
40% Wellington
20% Vanguard Target Retirement Fund
Mine is similar to Bob's above, although a little heavier to Wellesley and a little lighter to Wellington. You get a nice mix of equities and bonds with a mix like this, which reduces portfolio volatility somewhat. I am under no illusion that this current bull market is going to continue upward forever, though, so I watch things closely. If things change, I'll make some changes to protect myself.
RAE is offline   Reply With Quote
Old 05-09-2013, 08:16 PM   #5
Confused about dryer sheets
 
Join Date: May 2013
Location: Littleton
Posts: 2
I appreciate you input RAE!
pkeypr is offline   Reply With Quote
Old 05-10-2013, 06:40 AM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 21,206
Welcome aboard. There is no universal approach, but these come as close as any I know of for a good place to start with passive investing Lazy Portfolios - Bogleheads. The active investors here (a minority?) may have other recommendations.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 05-10-2013, 07:13 AM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,266
What is your AA? Do you have other streams of income other than from this nestegg?

My point is that you need to think of this "what to invest in" question holistically as part of your overall retirement plan.

FWIW, I'm a little younger than you and my target AA is 7% cash (~2 years of living expenses), 42% domestic equities, 14% international equities, 28% domestic fixed income and 9% international fixed income.

That said, IMO Wellesley is a fine choice for income investors.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
pb4uski is online now   Reply With Quote
Old 05-10-2013, 08:28 AM   #8
Recycles dryer sheets
 
Join Date: Feb 2011
Location: Arlington Heights
Posts: 271
Quote:
9% international fixed income
What international fixed income do you invest in? I've been looking for international bond funds, but don't see any in VG, therefore need to expand my search.
SoReady is offline   Reply With Quote
Old 05-10-2013, 08:30 AM   #9
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,266
Quote:
Originally Posted by SoReady View Post
What international fixed income do you invest in? I've been looking for international bond funds, but don't see any in VG, therefore need to expand my search.
Nothing right now (note that I said target AA, not actual AA ) but I plan to move that amount to the Vanguard offering once it comes out. Been waiting a while but I think it should be out next month. I could have gone elsewhere, but all my stuff is VG so I have been lazy.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
pb4uski is online now   Reply With Quote
Old 05-10-2013, 08:35 AM   #10
Recycles dryer sheets
 
Join Date: Feb 2011
Location: Arlington Heights
Posts: 271
Ah! Excellent. I will wait as well, given most of my stuff is with VG too.
SoReady is offline   Reply With Quote
Old 05-10-2013, 11:39 AM   #11
Thinks s/he gets paid by the post
heeyy_joe's Avatar
 
Join Date: Nov 2012
Location: Madeira Beach Fl
Posts: 1,403
Quote:
Originally Posted by SoReady View Post
What international fixed income do you invest in? I've been looking for international bond funds, but don't see any in VG, therefore need to expand my search.
Take a look at AUD.
__________________
_______________________________________________
"A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do" --Bob Dylan.
heeyy_joe is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Quick Links

 
All times are GMT -6. The time now is 03:55 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.