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Article
31
Oct 07

Why the Target Funds are Good Marketing but Lousy Investing

by Scott Burns Q. Can you talk about the pros and cons of creating your "five-fold" portfolio vs. investing in a targeted retirement mutual fund? Could you also touch on the practical aspects of trying to create and rebalance a "five-fold" portfolio with a variety of accounts (401...

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Article
16
May 07

The Best of Two Worlds: Vanguard Inside USAA

Q: I will soon have about $74,000 from the sale of my 90-year-old mother’s house. The house is in an irrevocable trust, and I am the trustee. My mother recently moved to an assisted-living facility and does not need any additional income from the house sale proceeds. I am looking at investing the funds...

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Article
03
Jan 07

Income Limits from Your Nest Egg

Q. It is recommended that retirees withdraw no more than 4 percent a year from their retirement nest egg. Is this in addition to any income that is generated from their funds? Bonds and CDs pay more than 4 percent. And some higher-dividend stocks pay more than 4 percent. If we are generating more than...

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Article
22
Nov 06

No-load Mutual Funds vs. Exchange-traded Funds

Q: I read your column about ETFs. What I don't understand is what advantage ETFs have over regular no-load mutual funds. All of my investments are in no-load mutual funds, mostly index funds at Vanguard and Fidelity. Why should I pay a commission, even a small one, over getting the fund commission-free...

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Article
18
May 06

Bonds Lose Value When Interest Rates Rise

Q. I have a portion of my investments in Federated U.S. Government Securities II. It has had a negative return for the past quarter. One reason I invested in it was for fixed income and preservation of capital. As a retired senior on fixed income, I am adverse to losses. How can a fund based on government...

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Article
20
Apr 06

Fee Pyramiding Damages Long Term Returns

Q. We have about $50,000 in Wells Fargo and Janus mutual funds. Both are currently in money market accounts. We are thinking about moving out of these and putting our money into a managed advisory service account with a major mutual fund company. The company would manage our money for us for a fee of...

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Article
09
Feb 06

Fees Influence Performance and Asset Allocation

Q. I have two questions. First, my wife's financial planner has her IRA invested in a fund (ticker: FABGX) that has a 5 percent back load, a management fee, and a 12b-1 fee. I say that's bull. Of the total, $20,000 is in a money market fund which at her age of 46 is also bull. The remainder of the $400...

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Article
20
Jan 06

Load vs. No Load Funds: Distribution, Not Magic

Q. I have two questions about mutual funds. (1.) Why are people buying 'load' mutual funds? What are the advantages of load funds? (2.) What are the advantages to open an account from mutual fund company, since the funds can be bought from brokerage house? It seems to me, it is easier to buy and sell...

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Article
05
Jan 06

Paying Off the Mortgage Can Lower Your Tax Bill

Q. I'm a blue collar guy who is sometimes overwhelmed by investing. So I am thinking of paying off my home mortgage. I owe $65,000 (the house is worth $125,000) and I have that amount in UPS stock. I'm uncertain about the stock market and the mortgage costs 6 percent. I have $105,000 in four funds in...

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Article
01
Dec 05

A Sales Representative Asks Piercing Questions

Here's a sarcastic communication from a member the financial service sales force. It's a good indication of why I think most people are better off on their own. "Perhaps you can address the following two questions to your favorite company Vanguard. 1. Why are they raising their account minimums? 2. If...

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