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04-24-2008, 05:47 AM
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#41
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Recycles dryer sheets
Join Date: Oct 2007
Posts: 332
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I'm in the distribution phase and will face RMD in two years. So, it seems a good fit for me as the portion in these funds will count towards that. The only problem is that do transfer the funds from my Schwab account I would have to sell all my DFA funds (a legacy from when I had a financial planner managing the portfolio). VG said they would not accept the DFA funds. I'm not sure I like doing that.
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04-24-2008, 08:15 AM
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#42
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Recycles dryer sheets
Join Date: Nov 2003
Location: Charlotte
Posts: 360
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Fyi, my version of Vanguard site looks to be updated today (personal version). Like the new formats and also the additional informationals on the managed payout funds.
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04-27-2008, 08:12 AM
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#43
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Recycles dryer sheets
Join Date: Feb 2006
Posts: 146
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I wonder what percent of the distributions form one of these Vanguard funds will be capital gains and what will be taxed as income?
__________________
The inherent vice of capitalism is the unequal sharing of blessings; the inherent virtue of socialism is the equal sharing of misery.
Winston Churchill
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04-27-2008, 10:13 AM
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#44
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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All complete speculation at this point.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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04-27-2008, 03:54 PM
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#45
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Recycles dryer sheets
Join Date: Feb 2006
Posts: 146
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cute fuzzy bunny..did you know that your quote is from Winston Churchill also?
__________________
The inherent vice of capitalism is the unequal sharing of blessings; the inherent virtue of socialism is the equal sharing of misery.
Winston Churchill
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04-27-2008, 03:57 PM
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#46
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,708
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Yes I did!
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
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04-27-2008, 07:07 PM
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#47
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Full time employment: Posting here.
Join Date: Apr 2006
Posts: 897
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If I were lookin' for income, I'd find funds that owned a buttload of stocks like ALD (Allied Cap. Corp.), companies that have given solid dividends forever. How are these funds different from what DVY tries to do?
-CC
__________________
"There's those thinkin' more or less, less is more, but if less is more, how you keepin' score?
It means for every point you make, your level drops. Kinda like you're startin' from the top..." "Society" - Eddie Vedder
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04-27-2008, 07:58 PM
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#48
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Dryer sheet aficionado
Join Date: Jul 2007
Posts: 25
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I put a maturing CD and my old position in the VG "Retirement" target fund o' funds into VPGDX (the Middle managed Payout fund with the target at 5%). For every 100 K the fund is projected to pay out @417 per month give or take. For me this is a decent way to make up a floor cash flow without worrying about laddering CDs or buying a single premium annuity, at least for the time being on my end. I have no issue with paying 50 basis points for a manged payout fund, since it will likely keep me from selling equities into a down market so long as I can keep my budget at the same level as the payouts and pensions I have coming in. I am more disapointed with excessive CEO salaries in my funds underlying equity holdings than VG's ER. (Your Mileage will vary)
Still have the same amount in Wellesly, and plan to keep a large (35%) part of my AA with Wellesly.
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05-24-2008, 04:11 PM
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#49
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 2,375
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Quote:
Originally Posted by DblDoc
From Vanguard today:
https://personal.vanguard.com/us/Van...252008_ALL.jsp
A new set of balanced funds designed for generating income in retirement with varying degrees of capital appreciation.
There is a thread discussing them at the Bogleheads site titled " fyi managed payout funds"
DD
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Thanks for the heads up on this - just what I was looking for.
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