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Thanks, in advance, for your kind advice. At 52, I have left a career with $500,000 in an IRA, all of which is in the Vanguard Wellington fund, VWELX. It's unlikely I will find employment in my field and am seeking any sort of job, even if part-time. Most of my mortgage is paid off and the...

Vanguard Wellesley : Shelter From The Storm

Hi, some seers are forecasting a bond market crash due to the heavy influx into bonds and, so, I'm wondering if TIPS are a better way to go than a total bond index fund because at least with TIPS, your principal is protected. Would appreciate your thoughts. Thanks.

I'm looking at the option of TIPS for my IRA, but, wonder, as someone still working toward retiring one day, if TIPS are appropriate over, say, a total bond index fund. Given the modest inflation rate, the interest on the TIPS bonds would be fairly modest, too,and, so, I wonder if a total bond...

I've been considering various fixed income options, which members of this forum have kindly given their feedback on, and a friend has given me yet another option to consider in the PIMCO Total Return bond fund. As a Vanguard customer, I had been considering the VG Total Bond Market index fund...

A friend of my family is a very conservative, safety-minded investor, and, he puts most of his investment dollars in Savings Bonds and has built up a pretty good retirement fund that has helped enable him to retire early. Wondering what your thoughts are on them. Thanks.

I came across this article about Suze Orman in which she says she invests primarily in zero coupon munis and makes a pretty good case for them, esp. that they are gov't guaranteed. I'm sure the interest rates are more modest than what one can obtain from stocks, but, in this clmate, I'm liking...

Although I have most of my IRA in VG Wellington, I'm trying to get a taxable account going and am considering putting all of it in CDs because the volatility of the stock market has really taken a toll on me emotionally and financially. I don't want to take a chance with the market crashing...

I came across Dan Wiener's Vanguard newsletter from Aug/'08 in which he declared the previous 10 years the lost decade, making the point that those Bogleheads who invested their money in an S&P 500 index fund essentially lost all their gains from the past 10 years. He derided Vanguard's Bogle...

Since my mother informed me that she's getting a 5% or 6% return on her GNMA bonds, I became more interested in bonds going forward. Problem is, there are so many kinds of bonds, in general, I'm a little lost. My primary holding is in Vanguard Wellington (IRA), which is 40% bonds, but, I'd...

Hi, if and when I ever get to retirement, my queston is how does one actually live off his investments? Let's say a person has $1 million in stocks and bonds (mutual funds). How do you arrange to receive a regular flow of money to live on? Given bonds provide income in the form of interest...

Hi, hope everyone has a nice Thanksgiving. I'm following an index fund approach to investing and have my money in a Vanguard Target Retirement fund, so I'm well diversified. I heard a radio program with Ric Edelman, a well-known financal advisor, and began wondering if just being on auto-pilot...

Hi, I want to create a taxable acct and am thinking of the Vanguard Total Stock Market Index fund and one of their internatoinal index funds. I want to also include bonds for stability and wonder if you can suggest a tax-efficient bond fund. Thanks.

Hi, I love this forum. Would appreciate your advice on this situation. I have about $125,000 in an ING savings account, earning about 3.4% APY. I like ING, however, Capital One, in conjunction with Costco, is offering 3.7 APY for their savings account. ING's 3.4% rate is the highest rate...

Hi, would like very much your thoughts. I'm 50, single, no kids, no debt except $14K on mortgage. Have $600,000 in savings in the form of my 401(k). Wondering if it's feasible to retire and live off these funds.My overhead is low, just need around $2,000 month,which takes care of apartment...