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Re: to invest now or wait?

More importantly, enret, what is your Asset Allocation? Retired folks aren't usually more than 50% in equities. What will you put the non-equity $$$ into? Bonds or CDs? Thanks for your answers. I plan 40% in stock index, 10% Vanguard fund dividend appreciation, 50% bonds. I allocated 50% of planned...
by enret
Sat May 18, 2013 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: to invest now or wait?
Replies: 27
Views: 3211

to invest now or wait?

Hello, I just retired, and at mid April was in the process of moving money from 401K to Vanguard, with plans to invest in Index funds. the transfer was as cash. Market started to run up and I waited and waited for the right time to buy Index Stock fund and now it is really scary to buy into stock ma...
by enret
Fri May 17, 2013 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: to invest now or wait?
Replies: 27
Views: 3211

Re: lumpsum/pension/non-qual annuity??

Al, Bill,
thanks for explanation. I did not even know that SS is not fully taxed.
JW Nearly Retired wrote:Having a lot of income so you need to pay considerable taxes at age 70 is a good problem to have.
JW


JW - yes, that's what my husband says. :-)
by enret
Tue May 07, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: lumpsum/pension/non-qual annuity??
Replies: 14
Views: 1146

Re: lumpsum/pension/non-qual annuity??

Thank you all for your advice, suggestions and for sharing your stories. I followed all the recommendations, compared pension conditions with annuity market and decided to take company pension. My SS is postponed for now, at least while my husband is still working. Later our SS's and pensions should...
by enret
Tue May 07, 2013 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: lumpsum/pension/non-qual annuity??
Replies: 14
Views: 1146

Re: lumpsum/pension/non-qual annuity??

Thank you for your replies. Al, details about our financial situation: between two of us we have about $1M in 401K plans, and $350K in savings after tax. SS for both of us total 60K, no debts, mortgage paid off. I am 66, my husband 67. the question we consider - does it make sense to try to reduce o...
by enret
Fri May 03, 2013 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: lumpsum/pension/non-qual annuity??
Replies: 14
Views: 1146

lumpsum/pension/non-qual annuity??

Hello, My name is Elena, I am new to this site and I am impressed with the knowledge people display here. I appreciate your advice. I am 66, just retired. I have a pension from the company, which I can take as lump sum. $376K as lump sum or $2100 monthly with 50% survival rate for my husband. it is ...
by enret
Fri May 03, 2013 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: lumpsum/pension/non-qual annuity??
Replies: 14
Views: 1146

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