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The terrible things I have done--I wish to come clean

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
HI Folks,

A recent blog got me thinking about all the many terrible things I have done or plan to do and for which I now wish to disclose (but not repent):

--I own active stock funds (doing very well);

--I own high yield bond funds (been a good investment in basis and earnings);

--I own > 10 funds (not 3 or 4);

--I own and like whole life insurance (even though 64, I love cash value, borrowing potential, tax-free 3.8% yield, and death benefit)

--My mortgage is mostly unpaid (3% amortized over 40 years);

--I have gold (FSAGX) (just a little);

--I buy individual stocks (not a lot)--almost tripled since 2012;

--I tweak my allocations (was 70% stocks earlier this year, now coming closer to 55-60%);

--I have most of my savings in tax deferred accounts and I aim for growth in these;

--I am seriously considering hiring asset management; my 92 y/o mom just did this at Schwab and she got really excellent professional advice for ~0.5% AUM;

--I want to keep working--I really like my job (don't tell, I might even pay to do it);

--I will probably take my SS at 66 years (not 70):

--I don't fiddle with credit cards, prefer debit, and I don't move around from card to card to get the bonuses (too confusing);

--I am at Fidelity (not Vanguard) (like the customer service, range of financial services, and web site);

--I want to leave my kids as much money as I can--legacy is a big deal to me, want them to have more than me.

Seems like a lot of these are not cool, but I confess that I like them and feel better now.
Date: Jun 18, 2017   


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