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Right now I use the income model with my own version of a golden butterfly by using the permanent portfolio as a base with a bit of the 100% equity unique opportunity model which I am adding to as we fall bringing up the equity levels.
They do have suggestions as to how to use the models
Money for 1-5 years - income model
5-10 years growth and income model
10 years and longer , the growth model , unique opportunities, select sector models.
I don’t use the growth and income model nor do I restrict the income model to just 5 years …
I wasn’t sure since I’m like 20 yrs from retirement , I’m in that spot where I don’t have too much time to make gains in indexing while not having enough capital to just follow the income model.
The 2 buckets probably I was thinking is GB / income and other most aggressive like unique opportunities ( seems like that covers all sectors )
My biggest concern ( as an illinformed layman admittedly) is bonds being so heavy in income model will they get crushed with rising rates ?
We just didn’t look and also I had gotten divorced in the early 2000’s so everything was half so the dollars down were less
Fmandi still recommends staying the course
I’m debating if I should cash out my VTI VTSAX and VOO and switch it over to their growth portfolio, or leave it as is since I’ll be selling them at a loss now
Or wait until I recover back to the price I bought in and then change to fmandi growth portfolio?
Some more CDs are maturing , was debating whether to dump them in fmandi funds now or wait for a few months for market to bottom out
I know guilty as charged trying to time ….ugh the jitters
I’m debating if I should cash out my VTI VTSAX and VOO and switch it over to their growth portfolio, or leave it as is since I’ll be selling them at a loss now
Or wait until I recover back to the price I bought in and then change to fmandi growth portfolio?
Sell at a loss now maybe get some tax benefit. Sell while the market is down & get something else while it is down. Who knows if VTI VTSAX and VOO will grow faster than your alternative.
Maybe set up diversified portfolio with 1/2 in old & 1/2 in new? Maybe in VTI, VTSAX, VOO you have too much of the same thing? Consider some real estate, bonds.
Sell at a loss now maybe get some tax benefit. Sell while the market is down & get something else while it is down. Who knows if VTI VTSAX and VOO will grow faster than your alternative.
Maybe set up diversified portfolio with 1/2 in old & 1/2 in new? Maybe in VTI, VTSAX, VOO you have too much of the same thing? Consider some real estate, bonds.
Link to Capital Gains tax. If you sell at a loss may have Capital Gain Loss. May deduct this loss from your other income. If the Loss is large enough carryover into the next year.
Capital Gain has different rates depending if it is Short Term or Long Term. Short term for items owned less than 1 year.
Forms are for 2021 filed in 2022. May have to hunt for new forms for 2022/2023.
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