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Post by sd51555 on Apr 9, 2019 17:54:07 GMT -6
Big winner right now, Accenture. Yield: 1.67%
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Post by batman on Apr 9, 2019 18:05:41 GMT -6
Big loser?
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Post by sd51555 on Apr 9, 2019 18:35:15 GMT -6
Gilead Yield: 3.8% Completely missed the big run the past 3 months.
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Post by MoBuckChaser on Apr 9, 2019 18:38:51 GMT -6
At age 50 I am looking for a mix of growth and income stocks. I tried to find diamonds in the rough back in the 2000-2010 years, and found a few good ones. However, I would have better off by just focused on buying 3M, Medtronic, McDonalds, Goldmans Sachs, Apple etc... I ran the numbers and the stable giants have done very well. I have been more of an index fund guy but as I get closer to retirement I will focus on income and protection of my capital. Dividend stocks, preferred, tax exempt bonds etc. Yep, no more trying to hit a home run on another Enron type company for this guy. I like my simple low cost Vanguard funds. Spread the money over a bunch of companies and take what I get. My wife put her investment money in a Vanguard bond fund that has a few Blue chips mixed in. She did not like what happened to her investment money the end of 2018. She now tracks her fund monthly on her own. So we are now, 9% bonds, 91% stock funds. I don't like it but I ain't going to argue with her about it anymore. LOL!
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Post by sd51555 on Apr 9, 2019 19:27:10 GMT -6
I have been more of an index fund guy but as I get closer to retirement I will focus on income and protection of my capital. Dividend stocks, preferred, tax exempt bonds etc. Yep, no more trying to hit a home run on another Enron type company for this guy. I like my simple low cost Vanguard funds. Spread the money over a bunch of companies and take what I get. My wife put her investment money in a Vanguard bond fund that has a few Blue chips mixed in. She did not like what happened to her investment money the end of 2018. She now tracks her fund monthly on her own. So we are now, 9% bonds, 91% stock funds. I don't like it but I ain't going to argue with her about it anymore. LOL! That timing gets more important as you old farts approach the big R. Now is a good time to provide a reminder: For anyone heavily invested and ready to get conservative, the market is at a top again. May not be a bad time to start transitioning a little out of aggressive and into conservative. I’m not predicting anything, but if you’re heavy in stocks, your portfolio probably ran up around 25% off it’s 52 week low, and is 2% from it’s top. Talk anything u may do over with a pro. Sometimes those pros aren’t watching for opportunities like this and need to be alerted to seize on this.
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Post by Sandbur on Apr 9, 2019 19:31:16 GMT -6
I have been more of an index fund guy but as I get closer to retirement I will focus on income and protection of my capital. Dividend stocks, preferred, tax exempt bonds etc. Yep, no more trying to hit a home run on another Enron type company for this guy. I like my simple low cost Vanguard funds. Spread the money over a bunch of companies and take what I get. My wife put her investment money in a Vanguard bond fund that has a few Blue chips mixed in. She did not like what happened to her investment money the end of 2018. She now tracks her fund monthly on her own. So we are now, 9% bonds, 91% stock funds. I don't like it but I ain't going to argue with her about it anymore. LOL! I like the idea about not arguing about it, but I don’t like that mix. However , every family has other interests and other assets than just retirement.
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Post by MoBuckChaser on Apr 9, 2019 19:31:48 GMT -6
Yep, no more trying to hit a home run on another Enron type company for this guy. I like my simple low cost Vanguard funds. Spread the money over a bunch of companies and take what I get. My wife put her investment money in a Vanguard bond fund that has a few Blue chips mixed in. She did not like what happened to her investment money the end of 2018. She now tracks her fund monthly on her own. So we are now, 9% bonds, 91% stock funds. I don't like it but I ain't going to argue with her about it anymore. LOL! That timing gets more important as you old farts approach the big R. Now is a good time to provide a reminder: For anyone heavily invested and ready to get conservative, the market is at a top again. May not be a bad time to start transitioning a little out of aggressive and into conservative. I’m not predicting anything, but if you’re heavy in stocks, your portfolio probably ran up around 25% off it’s 52 week low, and is 2% from it’s top. Talk anything u may do over with a pro. Sometimes those pros aren’t watching for opportunities like this and need to be alerted to seize on this. I have been in the markets since 1980, Its never not at the top. Its 26,000 now, I started at 1200. It always makes new tops, or has for almost 40 years for me. I have been blessed being born in this last 40 year time frame!
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Post by leexrayshady on Apr 9, 2019 21:03:04 GMT -6
I was reading an article or listening to a podcast can't remember which but the jist of the story was that dividends are bad from a tax standpoint. As most are taxed at ordinary income tax rates. Versus the lower tax on capital gains. Thus in a perfect world you would rather have a company reinvest profits growing the company and making their stock price higher than handing out dividends.
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Post by Sandbur on Apr 10, 2019 4:06:32 GMT -6
It all depends on your other assets, but I would want about 40% in bonds in case of a market dip at or just after retirement time.
If very close to retirement, set aside one year, then two, three, and possibly four years of cash to cover yearly living expenses so you don’t have to dip into stocks at a down time.
Get the budget figured out and don’t forget the $1,000 for the smiling vet. Who works with your cat!
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Post by Freeborn on Apr 10, 2019 5:26:15 GMT -6
I was reading an article or listening to a podcast can't remember which but the jist of the story was that dividends are bad from a tax standpoint. As most are taxed at ordinary income tax rates. Versus the lower tax on capital gains. Thus in a perfect world you would rather have a company reinvest profits growing the company and making their stock price higher than handing out dividends. That has been the rule for building wealth and is what I have done for many years. However, once you retire your goals change from building wealth to financing your retirement. Stock appreciation is not as consistent as dividends as companies typically pay the same dividend regardless of stock price swings. I think most people struggle with the change in mindset going from building wealth to living off and/or cunsuming your wealth. Allot depends on how much wealth you have and how much income you need, your demands will drive your asset allocation.
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Post by MoBuckChaser on Apr 10, 2019 5:32:34 GMT -6
I was reading an article or listening to a podcast can't remember which but the jist of the story was that dividends are bad from a tax standpoint. As most are taxed at ordinary income tax rates. Versus the lower tax on capital gains. Thus in a perfect world you would rather have a company reinvest profits growing the company and making their stock price higher than handing out dividends. That has been the rule for building wealth and is what I have done for many years. However, once you retire your goals change from building wealth to financing your retirement. Stock appreciation is not as consistent as dividends as companies typically pay the same dividend regardless of stock price swings. I think most people struggle with the change in mindset going from building wealth to living off and/or cunsuming your wealth. Allot depends on how much wealth you have and how much income you need, your demands will drive your asset allocation. You have to be careful with dividends with some companies. Shopko went broke now, but was borrowing money to pay quarterly dividends. The creditors are now going back after that money. Share holders will be paying that dividend money back. Better make sure of the company we invest in is solvent I guess.
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Post by Bob on Apr 10, 2019 5:34:28 GMT -6
It all depends on your other assets, but I would want about 40% in bonds in case of a market dip at or just after retirement time. If very close to retirement, set aside one year, then two, three, and possibly four years of cash to cover yearly living expenses so you don’t have to dip into stocks at a down time. Get the budget figured out and don’t forget the $1,000 for the smiling vet. Who works with your cat! Here’s a guy that gets it.
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Post by nhmountains on Apr 21, 2019 15:28:03 GMT -6
It all depends on your other assets, but I would want about 40% in bonds in case of a market dip at or just after retirement time. If very close to retirement, set aside one year, then two, three, and possibly four years of cash to cover yearly living expenses so you don’t have to dip into stocks at a down time. Get the budget figured out and don’t forget the $1,000 for the smiling vet. Who works with your cat! Here’s a guy that gets it. Bob, Peter Lynch, the manager of the Fidelity Magellan fund, many years before you were even a tinkle in the eye of your mom, made a killing on investing in stocks of products that he and his family used. I know you a big on Tractor Supply but, what other products/companies do you use?
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Post by Bob on Apr 21, 2019 19:31:34 GMT -6
Here’s a guy that gets it. Bob, Peter Lynch, the manager of the Fidelity Magellan fund, many years before you were even a tinkle in the eye of your mom, made a killing on investing in stocks of products that he and his family used. I know you a big on Tractor Supply but, what other products/companies do you use? Great question. By my nature, I’m more of an investor than consumer, so the list of companies that have my fancy is limited. So, I also focus on companies that others cannot avoid using, and those that people are forced to use and don’t even know it. Companies I own and patronize: Exxon, Tractor Supply, Colgate, Intel, and Duluth Trading. Companies America can’t live without: Deere, Cat, Valero, Gilead, Pfizer. Others that are titans in their field: New Dow, MetLife, Prudential, Texas Instruments. Here’s an inside scoop for you guys. DLTH will be up 250% in 2 years. Gets your paws on some.
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Post by kabic on Aug 8, 2019 10:21:24 GMT -6
So I have been slacking at looking at my current 401K plan, in one of the targeted date plans and have seen 6.82% return this year...seems low to me.
Thinking I should start contributing to a different choice anybody have anything to good to say about these TransAmerica Choices?
Short Bonds/Stable/MMkt
Prudential Stable Value Fund
Interm./Long-Term Bonds
Lord Abbett Total Return R3 Vanguard Total Bond Market Index Adm
Large-Cap Stocks
ClearBridge Large Cap Value I Vanguard Institutional Index I Wells Fargo Growth Admin
Small/Mid-Cap Stocks
JPMorgan Interpid Mid Cap R6 Vanguard Mid Cap Index Adm PGIM Jennison Mid-Cap Growth A Invesco SmallCapValue A Gabelli Small Cap Growth A Vanguard Small Cap Index Adm T. Rowe Price New Horizons
International Stocks
Causeway International Value Inv
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