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after tax question
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<blockquote data-quote="Catatonic" data-source="post: 1148115" data-attributes="member: 7966"><p>Bonds - No. Too expensive ... maybe in a couple years.</p><p></p><p>Simple answer - Index funds for stocks</p><p>S&P- 40%</p><p>Russell 1000 mid-cap via iShares - 20%</p><p>Russell 2000 small cap via iShares - 10%</p><p>Muni Bonds in states that have required balanced budgets - 20% (I live in Georgia so I take advantage of GA Muni Bods that provide tax-exempt earnings). Never invest in muni bonds from CA, NY, IL, - way too risky</p><p>Intl - 10%</p><p></p><p>More complex answer - </p><p>Go to Vanguard or the like and do a little reading.</p><p>ROI on Bonds is too low right now compared to stocks that are based on dividend payments so I only have 20% in my mix.</p><p>Instead I invest in these stocks - which have good yields, good fundamentals, low betas, and long term stability</p><p>ADP</p><p>AMLP</p><p>CLX</p><p>GPC</p><p>JNJ</p><p>K</p><p>KMB</p><p>KO</p><p>LMT</p><p>MAT</p><p>MCD</p><p>NEE</p><p>PEP</p><p>PG</p><p>RSG</p><p>RTN</p><p>WM </p><p></p><p>The bonds I invest in are:</p><p>FRSTX</p><p>GAUAX</p><p>HYPSX</p><p>IVFAX</p><p>JANBAX</p><p>PAUBX</p><p>SVAAX</p><p>TIBAX</p><p>Note: My fees are maxed at 1% per year so look at fees on the Bond funds.</p><p></p><p>I do some hedging via inflation iShares - TIP</p></blockquote><p></p>
[QUOTE="Catatonic, post: 1148115, member: 7966"] Bonds - No. Too expensive ... maybe in a couple years. Simple answer - Index funds for stocks S&P- 40% Russell 1000 mid-cap via iShares - 20% Russell 2000 small cap via iShares - 10% Muni Bonds in states that have required balanced budgets - 20% (I live in Georgia so I take advantage of GA Muni Bods that provide tax-exempt earnings). Never invest in muni bonds from CA, NY, IL, - way too risky Intl - 10% More complex answer - Go to Vanguard or the like and do a little reading. ROI on Bonds is too low right now compared to stocks that are based on dividend payments so I only have 20% in my mix. Instead I invest in these stocks - which have good yields, good fundamentals, low betas, and long term stability ADP AMLP CLX GPC JNJ K KMB KO LMT MAT MCD NEE PEP PG RSG RTN WM The bonds I invest in are: FRSTX GAUAX HYPSX IVFAX JANBAX PAUBX SVAAX TIBAX Note: My fees are maxed at 1% per year so look at fees on the Bond funds. I do some hedging via inflation iShares - TIP [/QUOTE]
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