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Old 03-02-2012, 01:02 PM   #21
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1. Move to Vanguard Brokerage-Why? Does Fido have a Better fund than VWINX? Better than VBIIX?
2. Own Balanced Funds and Bonds and let them take care of your $...and keep your Mitts off of it..
3. A Simple Port of using 50% VWIAX ( That's VWINX's Admrial) and 50% VBILX ( VBIIX Admrial) is more than you will need.
4. Unless Need $ out of it? Reinvest Divs
5. If Want some $ out of it? Open a ST Bond Fund , like VBISX/VBIRX, Have the Div's/Ylds Put into it and Set up a Qtrly WD from it , to go to your Bank Cking account.
6. Downsize- That's what we did! Didn't want to have to Do all the Work taking care of a House and got a Small Townhome instead. We have our 1 car Garage, Nice Patio, Nice Neighbors ( Like Kind) and We can just Lock it up and leave for Months if we want.
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Old 03-02-2012, 09:05 PM   #22
Recycles dryer sheets
 
Join Date: Mar 2008
Posts: 53
Quote:
Originally Posted by Dennis View Post
1. Move to Vanguard Brokerage-Why? Does Fido have a Better fund than VWINX? Better than VBIIX?
2. Own Balanced Funds and Bonds and let them take care of your $...and keep your Mitts off of it..
3. A Simple Port of using 50% VWIAX ( That's VWINX's Admrial) and 50% VBILX ( VBIIX Admrial) is more than you will need.
4. Unless Need $ out of it? Reinvest Divs
5. If Want some $ out of it? Open a ST Bond Fund , like VBISX/VBIRX, Have the Div's/Ylds Put into it and Set up a Qtrly WD from it , to go to your Bank Cking account.
6. Downsize- That's what we did! Didn't want to have to Do all the Work taking care of a House and got a Small Townhome instead. We have our 1 car Garage, Nice Patio, Nice Neighbors ( Like Kind) and We can just Lock it up and leave for Months if we want.
This makes sense to me. Thank you.
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Old 03-03-2012, 09:41 AM   #23
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If you haven't already, this easy quiz might give you something to think about regarding your risk tolerance and a corresponding asset allocation. Free and anonymous...

https://personal.vanguard.com/us/FundsInvQuestionnaire
Interesting quiz. Its recommending a 40/60 (Stock/Bond) split. No cash on hand ! I'm queezy just thinking about it
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