Skip to main content
No. of Recommendations: 0
Besides seeing an estate planner who should be able to look at a variety of options, you should look at the overall investment according to how you think they will appreciate in the future and selective sell the least promising one.

Taxes also will be capital gains which will help. Be careful to seek advice of a tax expert so that the AMT does not claim too much of the sell off.

Now is the time to look at alternative investments to increase returns but from what I see, your grandmother needs to be getting 10% return on $1 million to cover the $50,000/yr care and $50,000 for gifts. The only way to get this return is long term growth equity investment which will require a risk to the principle.

I would certainly recommend dollar cost averaging in moving money into new investments. A 5 year plan may work.

Just look at some of the numbers. You need to determine the dividend yield on the investments and
the taxes paid to estimate the time needed to make up for taxes using a more aggressive strategy.

And you are correct in trying to help your grandmother find a bit more aggressive returns.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.