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Looking forward to real world investing experiences in this market
05-09-2013, 04:03 PM
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#1
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Confused about dryer sheets
Join Date: May 2013
Location: Littleton
Posts: 2
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Looking forward to real world investing experiences in this market
Rocky Mountain High! Just retired at 62 this week. I am curious as to how some of you are investing these days to create an income stream in this crazy market. I am hoping to get some real- world insight into what is working and not working. I have 1.3 milliion to invest. Approximately 30% is in the market and the rest is looking for something to do.
Lay it on me!
Many thanks,
pkeypr
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05-09-2013, 04:38 PM
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#2
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Recycles dryer sheets
Join Date: Jul 2010
Location: Torrance
Posts: 116
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On my Vanguard side I have
40% Wellesley
40% Wellington
20% Vanguard Target Retirement Fund
On my Fidelity side I have
50% Fidelity Spartan Short-term Bond fund (FSBAX)
33% Fidelity Spartan Total Market Index Fuund (FSTVX)
10% Fidelity Spartan International Index Fund (FSIIX)
7% Fidelity Emerging Markets Fund (FEMKX)
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05-09-2013, 05:03 PM
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#3
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Thinks s/he gets paid by the post
Join Date: Nov 2012
Location: Madeira Beach Fl
Posts: 1,403
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Take a look at:
FPBFX - Fidelity Pacific Basin Fund.
Also take a good look at etf offings on preferred stocks.
__________________
_______________________________________________
"A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do" --Bob Dylan.
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05-09-2013, 07:06 PM
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#4
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Thinks s/he gets paid by the post
Join Date: Jan 2005
Location: northern Michigan
Posts: 2,203
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 Quote:
Originally Posted by bob boag
On my Vanguard side I have
40% Wellesley
40% Wellington
20% Vanguard Target Retirement Fund
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Mine is similar to Bob's above, although a little heavier to Wellesley and a little lighter to Wellington. You get a nice mix of equities and bonds with a mix like this, which reduces portfolio volatility somewhat. I am under no illusion that this current bull market is going to continue upward forever, though, so I watch things closely. If things change, I'll make some changes to protect myself.
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05-09-2013, 08:16 PM
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#5
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Confused about dryer sheets
Join Date: May 2013
Location: Littleton
Posts: 2
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I appreciate you input RAE!
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05-10-2013, 06:40 AM
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#6
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 20,328
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Welcome aboard. There is no universal approach, but these come as close as any I know of for a good place to start with passive investing Lazy Portfolios - Bogleheads. The active investors here (a minority?) may have other recommendations.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 40% bonds / 10% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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05-10-2013, 07:13 AM
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#7
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 34,810
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What is your AA? Do you have other streams of income other than from this nestegg?
My point is that you need to think of this "what to invest in" question holistically as part of your overall retirement plan.
FWIW, I'm a little younger than you and my target AA is 7% cash (~2 years of living expenses), 42% domestic equities, 14% international equities, 28% domestic fixed income and 9% international fixed income.
That said, IMO Wellesley is a fine choice for income investors.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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05-10-2013, 08:28 AM
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#8
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Recycles dryer sheets
Join Date: Feb 2011
Location: Arlington Heights
Posts: 269
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Quote:
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9% international fixed income
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What international fixed income do you invest in? I've been looking for international bond funds, but don't see any in VG, therefore need to expand my search.
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05-10-2013, 08:30 AM
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#9
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 34,810
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Quote:
Originally Posted by SoReady
What international fixed income do you invest in? I've been looking for international bond funds, but don't see any in VG, therefore need to expand my search.
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Nothing right now (note that I said target AA, not actual AA  ) but I plan to move that amount to the Vanguard offering once it comes out. Been waiting a while but I think it should be out next month. I could have gone elsewhere, but all my stuff is VG so I have been lazy.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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05-10-2013, 08:35 AM
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#10
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Recycles dryer sheets
Join Date: Feb 2011
Location: Arlington Heights
Posts: 269
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Ah! Excellent. I will wait as well, given most of my stuff is with VG too.
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05-10-2013, 11:39 AM
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#11
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Thinks s/he gets paid by the post
Join Date: Nov 2012
Location: Madeira Beach Fl
Posts: 1,403
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Quote:
Originally Posted by SoReady
What international fixed income do you invest in? I've been looking for international bond funds, but don't see any in VG, therefore need to expand my search.
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Take a look at AUD.
__________________
_______________________________________________
"A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do" --Bob Dylan.
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