Early Retirement & Financial Independence Community

Early Retirement & Financial Independence Community (https://www.early-retirement.org/forums/)
-   FIRE and Money (https://www.early-retirement.org/forums/f28/)
-   -   An alternative to: Psst...Wellesley (https://www.early-retirement.org/forums/f28/an-alternative-to-psst-wellesley-35055.html)

cashflo2u2 04-24-2008 05:47 AM

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.

WilliamG 04-24-2008 08:15 AM

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.

mark500 04-27-2008 08:12 AM

I wonder what percent of the distributions form one of these Vanguard funds will be capital gains and what will be taxed as income?

cute fuzzy bunny 04-27-2008 10:13 AM

All complete speculation at this point.

mark500 04-27-2008 03:54 PM

cute fuzzy bunny..did you know that your quote is from Winston Churchill also?

cute fuzzy bunny 04-27-2008 03:57 PM

Yes I did!

CCdaCE 04-27-2008 07:07 PM

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?


volga 04-27-2008 07:58 PM

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.

Danny 05-24-2008 04:11 PM


Originally Posted by DblDoc (Post 646921)
From Vanguard today:


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"


Thanks for the heads up on this - just what I was looking for.

All times are GMT -6. The time now is 01:42 AM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.