I'm Back! Okay just received my Sept. 2025 statements
As I have stated many times in the past, I can't understand any of what I read! I think I am just not able to grasp all of your wonderful feedback!
I will probably do nothing whether I can sleep or not, I don't know, I'm very unsure of my financial knowledge. I just know that my AA is not at this stage where I want it to be as I am getting older 61 and concerned a down turn is coming.
my mentor and friend set me up approx. 15 years ago on vanguard with a 50/50 AA. he has since passed away. my AA is now 66/stocks, 19% fixed income (bonds?) and 14.7% short term reserves (my money market fund). ALL IN MY TAXABLE ACCOUNT
My rollover IRA and Roth IRA I do NOTHING with. I think the dividends are just reinvested into the IRA’S.
I take money from the TAXABLE account when needed (money market fund)
Debt: Zero
Tax Filing Status: Single
Tax Rate: 15% Fed. 5%State
State of Residence: CA
Monthly Expenses : $5K
Age=61
Total Portfolio $2.3K APPROX.
TAXABLE BROKERAGE: $2mil
66.3 % stocks $1,361,830
19% Fixed income $391,116
14.7% short term reserves $301,571 (money market fund)
Vanguard total bond market index admiral CL
Vanguard total int’l stock index admiral CL
Vanguard total stock index admiral CL
ROLLOVER IRA: APPROX. $285K
Vanguard total bond market index admiral CL
ROTH IRA: APPROX. $17K.
Vanguard total bond market index admiral CL
The dividends from ALL OF MY ACCOUNTS GET reinvested, right back into the fund
not sure when I will take SS and I won't know the amount until I am 61.5 as to what the amount is I would receive at 62, if I were to take it.
I have a paid-off long term care policy off with ALLIANZ.
Thank you all in advance for any feedback you can offer and I hope I filled out everything correctly.
Thank you very much!
As I have stated many times in the past, I can't understand any of what I read! I think I am just not able to grasp all of your wonderful feedback!
I will probably do nothing whether I can sleep or not, I don't know, I'm very unsure of my financial knowledge. I just know that my AA is not at this stage where I want it to be as I am getting older 61 and concerned a down turn is coming.
my mentor and friend set me up approx. 15 years ago on vanguard with a 50/50 AA. he has since passed away. my AA is now 66/stocks, 19% fixed income (bonds?) and 14.7% short term reserves (my money market fund). ALL IN MY TAXABLE ACCOUNT
My rollover IRA and Roth IRA I do NOTHING with. I think the dividends are just reinvested into the IRA’S.
I take money from the TAXABLE account when needed (money market fund)
Debt: Zero
Tax Filing Status: Single
Tax Rate: 15% Fed. 5%State
State of Residence: CA
Monthly Expenses : $5K
Age=61
Total Portfolio $2.3K APPROX.
TAXABLE BROKERAGE: $2mil
66.3 % stocks $1,361,830
19% Fixed income $391,116
14.7% short term reserves $301,571 (money market fund)
Vanguard total bond market index admiral CL
Vanguard total int’l stock index admiral CL
Vanguard total stock index admiral CL
ROLLOVER IRA: APPROX. $285K
Vanguard total bond market index admiral CL
ROTH IRA: APPROX. $17K.
Vanguard total bond market index admiral CL
The dividends from ALL OF MY ACCOUNTS GET reinvested, right back into the fund
not sure when I will take SS and I won't know the amount until I am 61.5 as to what the amount is I would receive at 62, if I were to take it.
I have a paid-off long term care policy off with ALLIANZ.
Thank you all in advance for any feedback you can offer and I hope I filled out everything correctly.
Thank you very much!
Statistics: Posted by sonomasmiles — Thu Oct 16, 2025 7:31 pm — Replies 10 — Views 1191