Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Recently Retired. Looking at increasing equities
Old 01-08-2016, 03:10 PM   #1
Recycles dryer sheets
Join Date: Nov 2013
Posts: 232
Recently Retired. Looking at increasing equities

Recently retired in our 50's with no pension. Monthly income from rental home and waiting until at least 66, if not 70 for SS.

Very conservative portfolio, equities are all Vanguard Total Stock Market. My fixed income is mostly in CDs. I would like to increase my equity allocation (30/60/10) with something that will provide some income. Should I look at some of Vanguards retirement income type funds or should I just put more into total stock market? Would the Vanguard income type funds be best in taxable or IRA account?

I'm pretty much a basic investor, a novice, if you will and appreciate any feedback.

Sent from my KFTHWA using Tapatalk

Debinnov a 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 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 01-08-2016, 04:42 PM   #2
MBAustin's Avatar
Join Date: Jul 2010
Posts: 5,508
Wellesley, Wellington, and Vanguard Balanced are all frequently mentioned here for a "set and forget" balanced fund. You might prefer Wellington as it's the heaviest in equities:

Vanguard Wellesley Income Fund: The Reverse Of Wellington - Vanguard Wellesley® Income Fund Inv (MUTF:VWINX) | Seeking Alpha

If you need the income now (pre 59.5) then I think you would need to do it in a taxable account and just receive the distributions in cash.

"One of the funny things about the stock market is that every time one person buys, another sells, and both think they are astute." William Feather
ER'd Oct. 2010 at 53. Life is good.
MBAustin is offline   Reply With Quote
Old 01-08-2016, 04:57 PM   #3
Thinks s/he gets paid by the post
Join Date: Dec 2015
Posts: 2,027
30/60/10? Equities/Bonds/Cash? or is that Bonds/Equities/Cash?

What % draw off of your nestegg will you need per year?

Do you have both After Tax, and Tax Deferred portfolios?
HadEnuff is offline   Reply With Quote
Old 01-09-2016, 06:30 AM   #4
Recycles dryer sheets
Join Date: Apr 2013
Location: Humble
Posts: 188
Some will argue that chasing income isn't the best approach. You should focus on the total portfolio return and withdraw the assets needed to cover your expenses.

I agree that you'll need to provide more detailed information to get a decent response.
Turn_the_Page is offline   Reply With Quote
Old 01-09-2016, 09:13 AM   #5
Recycles dryer sheets
OrcasIslandBound's Avatar
Join Date: Mar 2010
Location: Poway, CA
Posts: 441
We have sizable chunks of VYM, a Vanguard index of dividend producing stocks. We like the psychological effect of having dividends even if this approach isn't necessarily the most perfect. Our whole portfolio is mostly dividend producing.

Sent from my Nexus 4 using Early Retirement Forum mobile app
OrcasIslandBound is offline   Reply With Quote
Old 01-09-2016, 10:44 AM   #6
Thinks s/he gets paid by the post
DrRoy's Avatar
Join Date: Dec 2015
Location: Michigan
Posts: 2,770
I personally prefer individual, investment grade municipal and/or corporate bonds for income. I have enough principle fluctuation from the equities in my AA and do not want to use income funds or ETF's.
"The mountains are calling, and I must go." John Muir
DrRoy is offline   Reply With Quote
Old 01-09-2016, 11:25 PM   #7
Recycles dryer sheets
Join Date: Nov 2013
Posts: 232
My goal is to keep my portfolio at about 30% equities. I have just about won the game and want to just have enough equities as a hedge against inflation. Only 40%of my portfolio is tax-deferred. I don't really need the dividends now, since I have so much in taxable. I have some Ibonds but not much in any other bond funds. Big portion is in 5 yr. 3% CDs right now.

Sent from my KFTHWA using Tapatalk

Debinnov a is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
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

Similar Threads
Thread Thread Starter Forum Replies Last Post
Recently retired newbie Russman Hi, I am... 24 05-21-2013 06:05 AM
I am Felix and recently retired Felix Mulier Hi, I am... 12 02-06-2013 07:51 PM
Recently retired... loving it. markelp Hi, I am... 15 11-14-2011 01:16 PM
Retired recently and have a rolled over IRA, classic dilemma Bona Fide Retiree FIRE and Money 10 11-26-2010 02:43 PM
Hello-Recently Retired New to Board -Hope I can contribute Danmar Hi, I am... 30 01-31-2010 04:34 PM

» Quick Links

All times are GMT -6. The time now is 02:40 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.