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Re: Retired one month, now what?

By the way, the plan is managed by Fidelity...,
by ghostdog1108
Sat Mar 29, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 5430

Re: Retired one month, now what?

The reason I ask is that many company 401k's like the one I have through my employer have stable value fund(s) which typically have a guaranteed minimum pay out based on their claims paying ability. For example my plan has two; CREFF-TIAA which currently has a 3% guaranteed minimum but has paid up t...
by ghostdog1108
Sat Mar 29, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 5430

Re: Retired one month, now what?

Any stable value funds as previously asked?
by ghostdog1108
Fri Mar 28, 2014 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 5430

Re: TIAA Traditional vs. Bonds - What would you choose?

I am retiring in a couple months (65) and currently have 90% in TIAA Traditional providing a guaranteed minimum 3% and currently paying 3%. All of 2013 I had 42% in Vanguard Total Stock Market gaining 31% along with the 3% in TIAA so I decided to take a break from equities and 'sell high'. I know I...
by ghostdog1108
Sun Jan 19, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2017

Re: TIAA Traditional vs. Bonds - What would you choose?

I expect to withdraw 4% for a number of years ($1M portfolio) so I expect to be back in equities at some point...,
by ghostdog1108
Thu Jan 16, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2017

Re: TIAA Traditional vs. Bonds - What would you choose?

I am retiring in a couple months (65) and currently have 90% in TIAA Traditional providing a guaranteed minimum 3% and currently paying 3%. All of 2013 I had 42% in Vanguard Total Stock Market gaining 31% along with the 3% in TIAA so I decided to take a break from equities and 'sell high'. I know I ...
by ghostdog1108
Thu Jan 16, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2017

Re: Calculating Withholding On Retirement Income.

livesoft wrote:Just run a "what if" tax return like you always do in December. Just put in your income estimates, etc. wherever they come from. That's what I've been doing for many years and will continue to do so until I die.


I guess it is pretty simple. Thanks.
by ghostdog1108
Sat Oct 05, 2013 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculating Withholding On Retirement Income.
Replies: 10
Views: 1156

Calculating Withholding On Retirement Income.

I will be retiring in the near future and would appreciate any tips on properly calculating our tax withholding levels. A few givens; * Wi residents, married couple, filing jointly, standard deduction, State does not tax SS benefits. age at retirement (me) 65 (spouse) 63 Income in retirement: SS- $2...
by ghostdog1108
Sat Oct 05, 2013 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Calculating Withholding On Retirement Income.
Replies: 10
Views: 1156

Re: Retiring in 3 years and sitting on 85% cash since 2008

At 64.5 years old and retiring in six months, I have 58% in TIAA traditional at a 'guaranteed' minimum of 3%( could and does pay more at times) and 42% in Vanguard total stock market thru my employer. My advantage is TIAA is transferrable at any time but at a .5% lower rate than an actual annuity. I...
by ghostdog1108
Sun Sep 01, 2013 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring in 3 years and sitting on 85% cash since 2008
Replies: 75
Views: 7520

Re: Which Stable Value Fund Would You Choose?

I have read this artcle a while back, which gave me pause, however they are obviously still in the annuity business.
Point made on your part.
by ghostdog1108
Wed Feb 27, 2013 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Which Stable Value Fund Would You Choose?
Replies: 2
Views: 302

Which Stable Value Fund Would You Choose?

Defined contribution plan thru my employer is administered by Fidelity. I am almost 64 years old and plan to retire in 11 months. Current balance of $900K is split as follows: VITNX 43.50% VWENX 4.00% TIAA-CREF GUARANTEED 52.5% Within the latest group of offerings is another stable value fund, Hartf...
by ghostdog1108
Wed Feb 27, 2013 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Which Stable Value Fund Would You Choose?
Replies: 2
Views: 302

Re: Fixed Income Life Annuity Question

You need to remember that buying an annuity with a large amount like you're suggesting is very risky, since the lifetime payments depend entirely on the financial stability of one insurance company. While states have a system in place to help rescue owners of failed insurance companies, their cover...
by ghostdog1108
Thu Feb 14, 2013 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1019

Re: Fixed Income Life Annuity Question

You need to remember that buying an annuity with a large amount like you're suggesting is very risky, since the lifetime payments depend entirely on the financial stability of one insurance company. While states have a system in place to help rescue owners of failed insurance companies, their cover...
by ghostdog1108
Wed Feb 13, 2013 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1019

Re: Fixed Income Life Annuity Question

We need the right number. If the the payout is $6.55/thousand per month that would amount to about 8%. The rate looks about right for something that might have been negotiated / contracted some time ago. I am looking at an annuity table from around 2000 that shows $5.05/month for joint and last sur...
by ghostdog1108
Wed Feb 13, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1019

Re: Fixed Income Life Annuity Question

Thanks for the advice. Makes sense.
by ghostdog1108
Tue Feb 12, 2013 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1019

Re: Fixed Income Life Annuity Question

Yes, approximately $6.55/ per thousand invested per year based on my age and the age of my wife.
If I die the amount is cut in half for my wife.
When we both die, no principle remains.
by ghostdog1108
Tue Feb 12, 2013 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1019

Fixed Income Life Annuity Question

In 8 months I will be retiring at age 64 years, eight months. I will have around 950K in my employers defined contribution plan, invested as follows: Vanguard Total Stock Market Index- 50% TIAA Creff Fixed Annuity------------- 40% (3% minimum guarantee, can move in and out at will) V. Wellington----...
by ghostdog1108
Tue Feb 12, 2013 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1019

On July 8th I moved the 35% of my potfolio I had in equities to TIAA fixed annuity which for me is a vehicle I can move in and out of. So I'm up a small amount overall however since it's all paper loses or gains it probably would be smart to jump right back in at 35% equities to lock in my 'luck'. T...
by ghostdog1108
Sat Aug 06, 2011 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: What Percent has your Portfoilo lost over the last 2 weeks.?
Replies: 94
Views: 9700

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