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Old 01-24-2009, 12:55 PM   #21
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My FIL is in a memory care unit with Alzheimer's. He is a retired VP of a decent sized company and an Air Force Brig. Gen. He was used to going, doing and being involved. Now he's befuddled or worse most of the time. He has no quality of life and, if he knew how he was living, no dignity. I don't know anyone who wouldn't rather have had "the big one" and gone quickly before the Alzheimer's symptoms kicked in.

I know I sound ghoulish when I bring it up but I'm too far down the Alzheimer's caregiver's spouse road to have any sentimentality left.
Well, don't I feel like a POS!
I hope things work out well for all of you.
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Old 01-24-2009, 01:06 PM   #22
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Well, don't I feel like a POS!
I hope things work out well for all of you.
No reason for you to feel that way. I'm the hard-hearted SOB that writes and says what I do. I just hope my FIL doesn't die under "suspicious circumstances" because any police investigation would put me in the "person of interest" category immediately.
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Old 01-24-2009, 01:50 PM   #23
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I'm 51 yrs old, a federal employee with 3 yrs 11 months till I punch out. I have a DB CSRS pension, but also max out my contributions to my TSP. I don't get matching money because I'm under the DB CSRS plan. I now have all my money in the G fund, which is super safe. It will take some real convincing to get me back into the market, given my age & proximity to ER. As for my & DW's ROTH's, we both have them with Vanguard and are currently both in the Target Retirement 2010 plan. Very conservative of us, I know but I've had about all the pounding I want from the market for awhile & because of our timelines, this is where we want to be now. If the market turns around & starts to look healthy, we'll stick our necks out a little.
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Old 01-24-2009, 04:19 PM   #24
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I do not plan to sell anything I have bought over the last several years in my 401 & Roth. Just wondering what everyone is buying right now with contributions to your roth and/or 401k.
My 401K (TSP) will bore you because I contribute the max + over-50 and it is all going into "G Fund" (government treasury bond fund) to be consistent with my financial plan. The "G Fund" is only available through the TSP so any I buy has to be through my contributions this year.

My Roth is a mess. It is small (only $16K contributed so far, only a little over under $8K left due to shrinking equity funds). I use it to buy what I want to buy, rather than what my plan dictates, and I have proven to myself that my instincts are awful! Anyway, I had it about 2/3 in VEIEX (emerging markets) and about 1/3 in VWNDX (Windsor), neither of which have done well.

I have not yet contributed (the max) for 2009, but will probably try a Vanguard small business fund. Given my past record with this Roth, I'd recommend staying away from anything I pick.
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Old 01-24-2009, 04:54 PM   #25
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My Roth is a mess.
My Roth and DW's are in VTSMX. They have been slaughtered with all the other sheep but I'm about to send the 2009 contribution to the same fate or not.
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Old 01-24-2009, 05:33 PM   #26
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My Roth and DW's are in VTSMX. They have been slaughtered with all the other sheep but I'm about to send the 2009 contribution to the same fate or not.
FWIW, Morningstar says that while VTSMX lost almost 31% in 2008, it beat the average of its peer group (47 small stock blend funds, mostly actively managed) by 5.78% over the same time period. How could an index fund remain fully invested and still beat so many smart, professional stock pickers? I guess these so-called experts just don't have access to the great stock picking and market timing systems that so any other folks seem to know about. The mind boggles. (Bogles?)
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Old 01-25-2009, 07:29 AM   #27
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My AA is 40% bond, with the remaining 60% in equities, 1/2 of the equity portion is in international and emerging markets, is this too much exposure to international? My equity mix is split between small & large cap and international and domestic. Most of the funds are predominately index funds, but do have exposure to some active managed funds such as Dodge & Cox stock fund, Vanguards Wellington and STAR funds.

Age = 49 & 51, plan to work full time for atleast 10 years. Looking for feedback on current direction of investments and suggestions/reccomendations where you feel would be wise in this market.
At 56 years, my targets are 39/18/39/4, US/Int'l/Bond/Cash. Your allocation may beat mine, no one knows!
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