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My wife and I are in our early 60s. We have more than 70 percent of
our investments in IRA accounts from rollovers of my pension and 403(b)
accounts. We recently retired and are planning our withdrawals. I have
tried to project the IRA values and the Required Minimum Distributions
at age 70 using various withdrawal schemes. I have found that variables
I can't control like tax rates, inflation and rates of return affect
the end results at least as much as the timing of when I start
withdrawals. Where can we learn more about withdrawal strategies? |
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I am 23 years old and just got my first job. I have all my money,
roughly $14,000, in the Vanguard 500 Index Fund. I make about $45,000 a
year, live with my parents and have no other expenses to speak of
except food and car insurance. I have about $4,000 in the bank, too. I
want to start diversifying and growing my portfolio. Should I just keep
dumping money into this one fund until I have $25,000? Or should I take
some money out of it now and diversify? |
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I recently read an article on CBS MarketWatch by an advisor who
recommended holding only domestic funds. He argued that enough
international exposure can be obtained by owning large U.S.
multinationals. He said the push for international funds is only in the
interests of mutual fund companies. I have about 33 percent of my
401(k) in international funds, and I am now concerned this may be too
much. Do you agree with the article I read? Why or why not. |
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I am 55 years old and I have $175,000 cash to invest. My wife is
disabled and because of her disability I cannot work, at least not
full-time. I need approximately $2,500 per month from my $175,000
investment. A friend suggested that I invest the money in mutual funds.
My friend's broker recommended putting the money in Class B and C funds
and suggested purchasing the funds on margin. As I understand it, that
means I can purchase more shares of the mutual funds with less money.
I have several questions: Is it possible to get $2,500 per month in
income from a $175,000 investment? What do you think about buying
mutual funds on margin? Is this safe? Do you have a better
recommendation? |
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What is a good alternative to Washington Mutual Investors? Is there a similar fund that is no-load? |
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When the Federal Reserve hits bottom with interest rates cut [after
the next one?], is it time to move out of bond funds into stock funds
or money market funds? |
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I recently graduated from college and received about $20,000 in
gifts from friends and family. I have a job and no debt. I have no need
for this money in the next 10 years, and I want to invest it in an
aggressive growth portfolio. Can you suggest any mutual funds that will
let this money grow exponentially? I am capable of handling a
significant amount of risk. |
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My employer's 401(k) plan is managed by Vanguard, and I have the
majority of my investments in the Primecap Fund. I plan to retire in
six years and want to maximize my savings. I now have $384,000 in this
program and I add about $12,000 a year, including my company's matching
contributions. Can I use your timing strategies to increase my yearly
return? And if so, how? |
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I agree with much of what you said regarding the White Oak Growth
Fund. But your observation that "this fund lost 19.1 percent in the
third quarter of 1998, so you'll have to regard 20 percent losses as
normal for this one, too, if you invest" is a mischaracterization of
what was a genuine buying opportunity. Investors who made that decision
have been rewarded handsomely. … There is no better risk/reward
scenario than the approach White Oak Associates has taken; time has
borne that out. |
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In a reply to an investor dated August 21, you said the yield on Vanguard's
Short-Term Corporate fund was 6.53 percent. But on Vanguard's Web site, the
yield was listed as 7.39 percent. I know the yield is less than Vanguard
lists on its Web site. I have tracked the daily yield for this fund for a
month at a time and it always shows that my yield for the month is at least
0.5 percent below what Vanguard displays. At the very least, this is
misleading to an investor like me trying to figure out future values of fund
investments based on advertised yields. |
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