Personal Investments • Re: TSP Withdrawal Strategy
$2000/month for six years = $144,000, so that's the most G fund you need for this strategy. $1500 requires $108,000.What is your age? (64 and taking SS at 70? 60 and taking at 66?) You have enough to...
View ArticlePersonal Investments • Re: Buying TIPS with inflation going down
Your crystal ball is a lot clearer than mine - I have no idea what future inflation will be. But as a TIPS holder I don't care, since I only think in real terms.Statistics: Posted by TipsQuestions —...
View ArticlePersonal Investments • Re: Add more bonds? [portfolio review]
When you are nervous simply add to your emergency fund.You can also consider increasing your savings rate and cutting expenses.As to AA, this should be something that is part of a long term plan...
View ArticlePersonal Investments • Re: Why numerous years of cash cushion?
I have read multiple posts of people having numerous years of cash for a severe market downturn, so you don't sell equities. I get it.Why cash? Why don't you sell some of your bond funds in a down...
View ArticlePersonal Investments • Re: Daughter 401 choices
Is the above reasonable? ...Sure. You've managed to find a low cost S&P 500 fund and an "aggregate" style bond fund. All that's lacking is international stock. I'd suggest you avoid getting too...
View ArticlePersonal Investments • Re: Overcoming fear of running out of money
If you still have that in the back of your mind after having been retired 13 years and (I assume you have done well so far??) then it may never go away. Are you running out of money? Or are you doing...
View ArticlePersonal Investments • Re: SORR “Revelation” and Questions
I don't see the difference between the QOR risk and just lower-than-expected return risk.Apparently a lot of people don’t see the difference between lower-than-expected return risk and SOR risk.My...
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Personal Investments • Re: Frustrated with BIV and BND... What about SCYB?
...What do you think of the new Schwab fund - SCYB?It says average yield is nearly 8%... Sounds nice, but this is mostly junk bonds?...Yes. Morningstar shows it as having an average credit quality of...
View ArticlePersonal Investments • Re: Thoughts on Fidelity’s Deferred Fixed Annuities?
Thanks for this informative thread. I'm 100% fixed but have been dragging my heels on reinvesting in Treasuries, went on vacation and saw .5% drops in interest rates, ugh.As I sat down today to figure...
View ArticlePersonal Investments • Re: Bombed in Supermicro
Did you invest more than 4% of your savings in SMCI? I hope not. https://finance.yahoo.com/quote/SMCI/That stock has been flat for years, only since the AI craze and NVIDIA excitement did it take off....
View ArticlePersonal Investments • Re: Thoughts on my bond approach
BND is more diversified.Your choice.https://www.investopedia.com/articles/e ... d-etfs.aspStatistics: Posted by wwhan — Thu Aug 08, 2024 7:26 pm
View ArticlePersonal Investments • Re: Afraid to Retire - Should I be…
You listed salary as 160k. I am assuming you have been saving for retirement and paying various payroll taxes. One can crank up expenses in retirement but anybody who managed to get to your assets did...
View ArticlePersonal Investments • Re: Problem Funding Custodial Roth with UTMA
Contribute to an IRA only allows "contributions" from outside sources. Any sort of internal movement of funds between Vanguard accounts is prohibited. I have to conclude this is a control or...
View ArticlePersonal Investments • Re: How to factor pension/SS into your retirement...
You are FI. The RPM spreadsheet is perfect for your situation. Another method is to calculate the NPV of your future cash inflows (SS and pension), which is $1.278m using a discount rate of 4% (10-yr...
View ArticlePersonal Investments • Optimal Method to move to three fund in IRA
I have an IRA, which represents a little under 1/3 of my total net worth spread across many ETFs. For simplicity's sake I will move into three funds as noted in Guide to Three Fund Portfolio.I have...
View ArticlePersonal Investments • Re-Balancing when using Bonds (vs Bond Funds)
For folks who hold and re-roll individual bonds (let’s assume treasuries, either nominal or tips), do you sell those before maturity to rebalance if your AA re-balancing band is tripped by a plunge in...
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Personal Investments • Re: Robinhood Securities Lending
I asked Robinhood support why I was receiving 1 cent for them to lending over $400,000 worth of shares.Hi! I've a question about the Stock Lending activity shown on my July statement. Between July...
View ArticlePersonal Investments • Re: Can I sell a bond to myself?
I would call the Bond Desk at Fidelity to see what they can do.Statistics: Posted by alpenglow — Fri Aug 09, 2024 8:02 pm
View ArticlePersonal Investments • Re: Fidelity money market account options
If state tax-free income is a priority, I would agree that FDLXX is a good choice.Mostly state tax free... Think the last year or so have been in the 90-95% free range...FDLXX was state/local tax free...
View ArticlePersonal Investments • Re: Cash at Fidelity
Yes. I initiated at Fidelity. I received a notice of rejection from Fidelity. I called Fidelity customer service and they said ME is rejecting it on their end.Did you try any of the other Fido...
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