Welcome to the forum.Questions:
1. Do I need bonds in the fixed income portfolio? If yes, which bonds? I do have management risk in the 2 private real estate funds on the fixed income side.
2. How to construct a safe & quality fixed income portfolio that can provide about $10k cash monthly (not including social security) to cover basic living expenses?
What I have now is the private real Estate mortgage fund that provides at least 0.67% monthly distribution ( >$700) & the private real estate equity fund that provides 0.5% monthly distribution ($3,500).
3. Is it beneficial to split current Fidelity Internal Index Fund (FSPSX, 12% of portfolio) into separate Europe & Pacific index funds? For example, 6% VERUX & 6% VPACX. Can I buy Vanguard bonds via Fidelity?
I'm trying to understand what you're actually seeking in Q #2.
Are you hoping to generate $10k per month just from your fixed income holdings, which are 45% of your total, or are you trying to generate $10k per month from the entire portfolio ($3 million)?
Your use of the words "safe & quality" are concerning, since stock and bond investments have risk.
As for Q #3 I wouldn't bother with separating the international fund into its various component parts. Why are you considering this?
Regards,
Statistics: Posted by retired@50 — Tue Dec 03, 2024 9:07 am — Replies 1 — Views 78