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Article
23
Jul 08

Mortgages and Retirees Don’t Mix

By Scott Burns Q. My parents are looking for a house in the Dallas-Fort Worth area. They are retired. They are trying to decide if they should pay cash for the house. They have close to $620,000 in savings (CDs, 401(k)s, IRA) and are looking for a $200,000 house. They also have about $1,300 in Social...

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Article
16
Jul 08

Steps for Getting a Guaranteed Lifetime Income

By Scott Burns Q. I am 73 and have investigated buying back the Social Security benefits I took at age 62. The buyback number is $158,529. My current monthly benefit is $1,231. A total buyback would give me a new monthly benefit of $2,019. This is a difference of $788 a month. My spouse is approaching...

Posted to Registered Investment Advisor (Weblog)

Article
09
Jul 08

Your Broker is a Hammer, Don't be a Nail

By Scott Burns Q: I like my broker, but she and I differ on what type of fund to be in. I prefer a low-expense fund. She says: Forget expenses if the 10-year returns bear more fruit. I have $400,000 to invest. I want to do the following: 35 percent in Vanguard Total Stock Market Index, 20 percent in...

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Article
02
Jul 08

Inflation Protected Securities Should Trump Stable Value, Long Term

By Scott Burns Q. Which would be safest and offer the best long-term results for my 401(k) --- a stable value fund or an inflation-protected bond fund? ---O.C., by email A. Go for the inflation-protected bond fund. Long term, it will provide you with a small premium (probably something over 1 percentage...

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Article
18
Jun 08

Even at Low Yields, Fixed Income Is Essential for a Retirement Portfolio

By Scott Burns Q. I have around $1.2 million, mostly in equities. My house is paid for. There will be around $300,000 in company profit sharing when I retire, and that has been my ace in the hole for the conservative portion of my investments. If I were to retire soon, what would you advise doing with...

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Article
07
May 08

You Can Retire Early, but It May Require a Major “Reset”

By Scott Burns Q. Am I too young to retire and survive? I am 55 years old, and before company reorganization and the elimination of my position, I had a plan. I was cutting back on spending and focusing on retirement, 401(k), savings and paying off my mortgage early. I have $600,000 in my 401(k) and...

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Article
27
Feb 08

If You’re 85, Dream On. But If You’re 35, Get Busy

By Scott Burns Q. Am I living the American Dream--- or will there be a rude awakening down the line? I am 85 years old, happily married for over 60 years with four grown children. Our comfortable home was paid for 30 years ago. We have a nice vehicle and no debts. I'm not bragging....just thankful...

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Article
20
Feb 08

When, and How, To Rebalance Out of High Return Funds

By Scott Burns Q. It is time for the annual rebalancing of my portfolio. Two of my funds, Vanguard Precious Metals and Mining (ticker: VGPMX) and Vanguard Energy (ticker: VGENX), have made 50 percent over the last year. Does it make sense to take the profits in these funds, reducing them to their original...

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Article
23
Jan 08

It’s the Portfolio Return that Counts, Not the Flat Tire in the Portfolio

By Scott Burns Q. I need a pep talk. As of early January, my Vanguard 500 Index fund is 4.65 percent lower that it was at the close of 1999. So, for the last 8 years of patient investing, I have a 4.65 percent capital loss. Yes, I realize I am ignoring the roughly 1.6 percent dividend yield. And yes...

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Article
14
Nov 07

It’s All about Time and Money

by Scott Burns Q: One of the really important things for having a sound retirement plan is the answer to a single question: "How long will I live?" I'm stunned that meaningful information is not available. Yes, I know there are sites where one can enter such information as how many beers...

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