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I have been trying to nail down my asset allocation and I have been reading quite a bit about it, but it is never clear to me. When they say you should have 30% in international stock. Do they mean 30% of portfolio or 30% of stock portion of portfolio. Big difference. I looked at the Vanguard...

I am wondering should I include cash and savings into my asset allocation, or just investments? My investment asset allocation is Stock-53% Bond- 34% Cash- 8% Other- 5% Overall Asset allocation (including savings) is Stock-43% Bond- 27% Cash- 26% Other- 4% What I am trying to understand is...

I currently have approx 600K invested in Vanguard funds through their PAS. I have been in this relationship for approx 4 months. I transferred these assets from Ameriprise, where I was blindly getting taken to the cleaners for the previous 10 yrs.... I finally wised up. I am considering...

I am currently less than 4 yrs from retirement. I am doing a lot of reading about withdrawal strategies and it sounds like Roth conversions are a big part of the picture for many people. I brought this up with my current Vanguard advisor, and he said that it is very rarely advantageous to do...

I have ran my numbers in Firecalc, but I do not see how to account for the cash portion of my portfolio. I have included the cash portion in my portfolio total on page one, but in the investment section, I can only adjust the % of the portfolio that I have in equities. I think the formula...

I am trying to estimate what my taxes will be on my social security benefits. I was playing around in the Flexible Retirement Planner and my plan had a 99% success rate. Then I realized that I hadn't factored in taxes on SS. I made a wild guess at 50% of my benefits would be taxed. My success...

Hello! Greetings from Michigan I have been lurking, reading posts and replies, thirsty for knowledge, as our own retirement date is starting to come into focus. Our planned retirement date is May 1st, 2023. I will be age 64 and my wife will be age 57 at time of retirement. My wife and I...