Search found 2280 matches

by #Cruncher
Wed Jun 28, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Annuity VS cash
Replies: 9
Views: 517

Re: Annuity VS cash

As I expected, though, there's really no question that the annuity is a better dollar value than the lump sum. The original poster needs to answer three questions before the choice can be properly evaluated: ⋅ Is he/she male or female? ⋅ Is it a single life or joint pension? If ...
by #Cruncher
Tue Jun 27, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Taxes on I Series Bonds negate purchasing power protection?
Replies: 6
Views: 917

Re: Taxes on I Series Bonds negate purchasing power protection?

For example, the current inflation rate right now is 1.96%. For someone in the 25% tax bracket, they would need a fixed rate of (1.96 / .75) - 1.96 = 0.65. However, if inflation goes up to 3% in the coming years, the fixed-rate needed would rise to (3 / .75) - 3 = 1%. The tax deferral jdilla1107 me...
by #Cruncher
Tue Jun 27, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve
Replies: 4
Views: 462

Re: TIPS yield curve

Why are the higher coupon TIPS 2019 through 2023 yielding less than the .125% coupon TIPS of similar or even shorter maturity? Is this simply preference for bigger semi-annual payments commanding higher price -> lower yield? Yes, the higher coupon is part of the reason. A higher coupon bond has a s...
by #Cruncher
Mon Jun 26, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 29
Views: 1022

Re: A TIPS is maturing in Fidelity. What to do?

I am still curious why people say that if you hold a TIPS to maturity you get the exact amount. How come that I am getting more than the exact amount? Is it the exact amount plus inflation? Is it the exact amount plus the fixed interest on the TIPS? I don't know what you mean by "exact" a...
by #Cruncher
Fri Jun 23, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 5
Views: 837

Re: Delaying pension benefits - what would you do?

... assuming life expectancy till 85, would I be better off delaying taking my benefit? Yes. By forsaking $31,680 (12 * 2640) for one year, you'll get $3,156 (12 * 2903 - 31680) more per year for 19 years (85 - 66). This represents a very good return of 7.4%. [1] The likely return is even higher if...
by #Cruncher
Fri Jun 23, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about the death thing for taking SS
Replies: 17
Views: 1437

Re: Thinking about the death thing for taking SS

Situation: I'm 61, she's 62. ... We plan to die at the same time, when I turn 85. Evaluating your options may be simplified by assuming you both die at the same time. Just be aware it's unlikely. Based on the SSA 2013 Period Life Table for a man / woman age 66 / 67 here are the odds of one outlivin...
by #Cruncher
Thu Jun 22, 2017 12:45 am
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 3540

Re: 30 yr TIPS auction 6/22: yield 1.0%?

Yes if real interest rates go up your tips may go down in value. But the price of the annuity should drop as well so you should be hedged. But the TIPS price may also go up in value. Yes, and if so, the price of the annuity would likely also go up. That's what Grok means by "hedged". So t...
by #Cruncher
Wed Jun 21, 2017 11:11 pm
Forum: Investing - Theory, News & General
Topic: 10 (& 30) Year TIPS Auction Yields Compared to Secondary Market
Replies: 3
Views: 813

30-Year TIPS Auction Yields Compared to Secondary Market

I've done the same comparison as in the original post for 30-year TIPS since they were re-introduced in 2010. The auction yields are listed in the next ro right column of this web page . The secondary market yields are from WSJ Historical TIPS Quotes . I chose only the re-opening auctions so the TIP...
by #Cruncher
Tue Jun 20, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5950

Re: [Wiki] - Percentage Gain and Loss (for new investors)

The wiki has been revised to incorporate centinepers : Percentage gain and loss ... #Cruncher - I reordered two columns in your 2nd table. How's it look? I didn't think you'd actually include the tables from my post , LadyGeek. Thank you for doing so. Your column reordering makes the 2nd table bett...
by #Cruncher
Tue Jun 20, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 1656

Re: Income Tax Calculation?

Note that $20K is just under a large step change in marginal rates. Indeed! A $20,732 long term capital gain (LTCG) along with the $35,125 of non-SS ordinary income and $62,374 of SS benefits mentioned in the original post exhausts the "space" where LTCG are not taxed. (For a 2017 joint r...
by #Cruncher
Sun Jun 18, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 1656

Re: Income Tax Calculation?

... This makes your tax go up ... 27.75% of the extra income. ... ... that is an eye opener ... Wait, it gets even better! If, besides the $35,125 of RMD and pension, the original poster converted $20,762 to a Roth (not just $20,000), he'd reach the 25% tax bracket. The next $12,241 of Roth convers...
by #Cruncher
Sun Jun 18, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Calculation?
Replies: 18
Views: 1656

Re: Income Tax Calculation?

Why does an additional $20,000 distribution increase the total tax by so much ... ? Because the extra $20,000 income makes $17,000 more of your Social Security benefits taxable. This makes your tax go up $5,550 (37000 * 15%), 27.75% of the extra income. See the Wiki's Taxation of Social Security be...
by #Cruncher
Sun Jun 18, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5950

Re: [Wiki] - Percentage Gain and Loss (for new investors)

We should be using centinepers (cNp), see this Wikipedia article: Relative change and difference - Wikipedia (Other change units) I fought the urge as long as I could. But in the end I just couldn't resist. So, reluctantly, here is the table from the Wiki article with columns added for centinepers ...
by #Cruncher
Sun Jun 18, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Formula for increasing payment over life of loan
Replies: 3
Views: 356

Re: Formula for increasing payment over life of loan

I want the payment to start low, but increase during the duration of the loan. ... If somebody could point me in the right direction it'd be much appreciated. I don't know a formula. But you may be able to get a solution using the Excel Goal Seek tool. To illustrate, here is one possible approach. ...
by #Cruncher
Sat Jun 17, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1451

Re: Help with Second to Die Policy

Since the actuarial approach is a more precise reflection of reality [than the expected lifetime approximation], it's a generally more accurate one to use (particularly for an insurer, whose customers will "average" out to well-selected probability tables) Thank you, Harold, for examining...
by #Cruncher
Fri Jun 16, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Treasury Notes Return vs Actual TIPS Return
Replies: 10
Views: 2626

Re: Treasury Notes Return vs Actual TIPS Return

I've updated my comparisons to include TIPS maturing in 2017. These are the 5-year TIPS issued in 2012 and the 10-year TIPS issued in 2007. For all of them one would have done better with nominal Treasuries. In fact a purchaser at two of the three 5-year auctions, earned a negative return in nominal...
by #Cruncher
Fri Jun 16, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 3540

Re: 30 yr TIPS auction 6/22: yield 1.0%?

ok but once the auction has been announced aren't the exact values for accrued interest and indexed principal known? Actually they were knowable well before that. So, we know the coupon is .875%. That said, I believe that both the accrued interest and the purchase discount will be based upon the au...
by #Cruncher
Thu Jun 15, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 3540

Re: 30 yr TIPS auction 6/22: yield 1.0%?

According to fidelity, indexed principal is now at $1,011.48 and accrued interest is $2.958. Those are the values on 6/16/2017. But the relevant figures are the ones on 6/30/2017, the date the TIPS will be issued. The index ratio on that date is 1.01287 and the adjusted accrued interest is $3.30512...
by #Cruncher
Wed Jun 14, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1451

Re: Help with Second to Die Policy

I'd appreciate comments about an issue that concerns me: I get significantly different estimates of the return from this policy depending on which of two methods I use. Both are based on the same mortality table, the SSA 2013 Period Life Table . ⋅ Calculating the return using the 21.51 yea...
by #Cruncher
Tue Jun 13, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: [Help with asset allocation - TIPS and Corporate bonds]
Replies: 3
Views: 373

Re: [Help with asset allocation - TIPS and Corporate bonds]

- TIPS ; VIPSX/FINPX; 4.5% allocation; US Govt (AAA); 5-10 years maturity I'd consider replacing both of these with Fidelity's Fidelity® Inflation-Protected Bond Index Fund - Premium Class (FSIYX) . All three hold the same broad spectrum of TIPS maturing in over one year. But FSIYX has an expense r...
by #Cruncher
Tue Jun 13, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1451

Re: Help with Second to Die Policy

Yes, both must pass away before the policy pays out the death benefit. That's what I was assuming in my first post . My thoughts exactly re:odds in favor of the insurance company (that's what they do after all). Maybe a lot of policy holders stop paying premiums before collecting the death benefit....
by #Cruncher
Mon Jun 12, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Second to Die Policy
Replies: 19
Views: 1451

Re: Help with Second to Die Policy

... dad 72 y/o, mom 66 y/o ... $250,000 second to die life insurance policy ... $3825 annual premium Would someone please explain to me how a policy like this works. As a life insurance novice I'm supposing that, for example if in year 10 the 2nd parent dies, the heirs would collect $250,000; meanw...
by #Cruncher
Mon Jun 12, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 1653

Re: couple questions about SSA (67 vs 70) and breakeven points

... Col A Col B Col C Col D -- Breakeven -- Row Age % PIA Years Age --- --- ------- ------ ------ 5 62 70.000 6 67 100.000 11.667 78.667 7 70 124.000 12.500 82.500 ... I think the problem with this approach is it ignores the time value of money. It just totals up how much one has received by a cert...
by #Cruncher
Sun Jun 11, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5950

Re: [Wiki] - Percentage Gain and Loss (for new investors)

Could you please point out what, exactly, should be fixed? ... The graph is the same as the example ... No, the graph and the example aren't the same in the use of the term "Initial Value". Here is the graph: https://www.bogleheads.org/w/images/f/fa/Percentage_gain_and_loss.png Now here i...
by #Cruncher
Sun Jun 11, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: couple questions about SSA (67 vs 70) and breakeven points
Replies: 20
Views: 1653

Re: couple questions about SSA (67 vs 70) and breakeven points

I did a quick excel using the amounts above starting at those ages and just adjusted 3% COLA each year based on the starting amounts. ... I come up with the break even point of 82 for starting at 67 (rather than 62) ... There is no need to adjust SS benefits for estimated Cost of Living Adjustments...
by #Cruncher
Sat Jun 10, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: When is Municipal Bond Interest NOT "Tax-free"...
Replies: 15
Views: 1369

Re: When is Municipal Bond Interest NOT "Tax-free"...

It is like traveling across the country and not being able to avoid 500 miles of toll road somewhere in the middle. Excellent metaphor, Nisi! Just be aware that the length of the "toll road" (extent of the hump) will depend on the amount of Social Security benefits -- as shown in the foll...
by #Cruncher
Fri Jun 09, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: When is Municipal Bond Interest NOT "Tax-free"...
Replies: 15
Views: 1369

Re: When is Municipal Bond Interest NOT "Tax-free"...

(2) 15% federal bracket: municipal bond interest marginal tax rates can be 12.5% (3) 25% federal bracket: municipal bond interest marginal tax rates can be 21.25% To be picky, the 12.5% should be 12.75% (15% X 85%). But, more significantly, if one has long term capital gains (LTCG) or Qualified Div...
by #Cruncher
Thu Jun 08, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should equals take SS at FRA or Early to preserve portfolio?
Replies: 30
Views: 2584

Re: Should equals take SS at FRA or Early to preserve portfolio?

... would it be better to take our benefits at FRA [Full Retirement Age] or even a couple years early ... ? I think it's pretty clear that at least one of you should delay claiming benefits until age 70. Assuming that, I estimated the probable overall value if the other one begins benefits at any o...
by #Cruncher
Thu Jun 08, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: I pay off my 3% loan. Is my return 3%?
Replies: 36
Views: 3816

Re: I pay off my 3% loan. Is my return 3%?

It's easier to view the loan as a series of payments. I wouldn't say it's easier; but it is certainly another valid way of looking at the issue. However, it may be clearer if the calculation of additional amounts to prepay is done on the basis of monthly compounding as is done in computing the $965...
by #Cruncher
Tue Jun 06, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: I pay off my 3% loan. Is my return 3%?
Replies: 36
Views: 3816

Re: I pay off my 3% loan. Is my return 3%?

Yes, the return one earns from paying down a loan does equal the interest rate on the loan. This is true over any time period one chooses and results from one or both of the following: ⋅ Reduction in monthly payment ⋅ Reduction in future loan balance To illustrate this, let's ass...
by #Cruncher
Mon Jun 05, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: [Wiki] - Percentage Gain and Loss (for new investors)
Replies: 115
Views: 5950

Re: [Wiki] - Percentage Gain and Loss (for new investors)

Investors can lose sight of the fact that percentages, which is a ratio, is not the same as working with the actual dollar value. The Wiki article is correct. But it may create the false impression that what it describes refers specifically to investing and that it results from expressing changes i...
by #Cruncher
Sat Jun 03, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Annuity
Replies: 8
Views: 730

Re: Lump Sum or Annuity

E.g., for 30 years of a $525/mo withdrawal, starting in 4 years, the return on the lump sum would have to average ~5.4%/yr for the next 34 years. Yes, that's the return I get too. [1] But living to age 95 is optimistic. Based on the SSA 2013 Period Life Table , only 7% of males and 13% of females a...
by #Cruncher
Sat Jun 03, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a way on earth to reduce SS taxes?
Replies: 54
Views: 4525

Re: Is there a way on earth to reduce SS taxes?

What is the SS % return on the second bend ? I'm not sure if this is what you're asking, deltaneutral83, but in my post above , I estimate the 2nd bend point return as 4.4%, 5.0%, and 7.3% for a single male, single female, and couple respectively. Here is the first table from that post with two col...
by #Cruncher
Sat Jun 03, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Is there a way on earth to reduce SS taxes?
Replies: 54
Views: 4525

Re: Is there a way on earth to reduce SS taxes?

Why would you want to [not pay SS taxes] until you pass at least the first bend point? Or, the second bend point. It is one of the best investment option[s] available. I estimated the return on SS taxes paid for three Average Indexed Monthly Earnings (AIME): ⋅ An amount equivalent (after ...
by #Cruncher
Fri Jun 02, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Vs. Annuity?
Replies: 13
Views: 1792

Re: Lump Sum Vs. Annuity?

My numbers if I retire at 62 are $4740 a month for the pension and $903,000 for the lump sum. This is a payout ratio of 6.3%, not the 6.4% that you mentioned in your two previous posts. My wife would get $4740 a month if I died before her. This significantly improves the value of your pension. See ...
by #Cruncher
Wed May 31, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Vs. Annuity?
Replies: 13
Views: 1792

Re: Lump Sum Vs. Annuity?

#cruncher Yes if I divide my annual payment by my lump sum it equals 6.4%. As far as what else you were talking about on the payout over 20 years you need to explain it a little more for me. Maybe an example will help, stumpy. Assume the pension is $6,400 per year. The lump sum would therefore be $...
by #Cruncher
Mon May 29, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Nominal yield of vanguard TIPS fund
Replies: 2
Views: 426

Re: Nominal yield of vanguard TIPS fund

... nominal forward yield ... We can know the real forward yield or the nominal backward yield of a TIPS. Vanguard shows a yield of this latter type on the VAIPX Portfolio & Management tab. It is reported to be 2.1% as of 4/30/2017. [1] The footnote says This figure is an estimated yield-to-mat...
by #Cruncher
Mon May 29, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate vs Short Term TIPS Fund
Replies: 45
Views: 3923

Re: Intermediate vs Short Term TIPS Fund

... in none of these duration matching strategies, and that includes TIPS bond ladders , are we going to achieve perfect immunization against changes in interest rates. (underline added) I disagree. A non-rolling ladder does immunize perfectly against changes in interest rates. Since each rung of t...
by #Cruncher
Sun May 28, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Vs. Annuity?
Replies: 13
Views: 1792

Re: Lump Sum Vs. Annuity?

... I would have to make 6.4% interest on my lump to match what my pension pays. What exactly do you mean by "what my pension pays", stumpy? If 6.4% is the pension's payout (annual payment divided by the lump sum), then its return over your expected lifetime is much less. For example, acc...
by #Cruncher
Sun May 28, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: More Roth conversions better to avoid 85% SS tax?
Replies: 4
Views: 923

Re: More Roth conversions better to avoid 85% SS tax?

Go through the SS taxation worksheet and fill it out with actual numbers at 26k and 35k to see what I mean. You may be able to find a calculator online that will do it for you. The wiki has a pointer to one here . Or create your own in Excel. The SS taxation worksheet is cumbersome and hard to foll...
by #Cruncher
Sat May 27, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate vs Short Term TIPS Fund
Replies: 45
Views: 3923

Re: Intermediate vs Short Term TIPS Fund

By mixing the ST & LT TIPS funds dynamically over time to match the TIPS duration with the duration of the liabilities over time, what DFA is doing with these TIPS funds is equivalent to holding a TIPS bond ladder. I don't see how this can be, Bob. The whole concept of using funds to match a no...
by #Cruncher
Fri May 26, 2017 4:05 am
Forum: Investing - Help with Personal Investments
Topic: Can I really pay no capital gains on $100k?
Replies: 31
Views: 5958

Re: Can I really pay no capital gains on $100k?

With $40,000 of ordinary income, you'd pay 0% federal tax on about $8,000 of the Long Term Capital Gain (LTCG) and 15% on the rest if you're single. On a joint return you'd pay 0% tax on about $57,000 of the LTCG and 15% on the rest. The marginal tax rate is 13.75% on the single return and 6.5% on t...
by #Cruncher
Thu May 25, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct delay in crediting interest?
Replies: 4
Views: 359

Re: Treasury Direct delay in crediting interest?

... should I expect a one time credit adjustment when the deposit becomes 5 years old? TreasuryDirect's Savings Bond Calculator (SBC) doesn't show any adjustment and I suspect the inventory shown in your TD account won't either. When an I Bond is 4 years 11 months old, you'll see the value as of 4 ...
by #Cruncher
Thu May 25, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 5138

Re: Interesting conversation with an alleged SS actuary

That SS is actuarially neutral has been debunked numerous times at Bogleheads. There are many reasons it is not actuarially neutral. Here are some of them.... SS implicitly assumes a real LT interest rate of about 2.9% ... 2.9% may be about right for females and for couples. But it's too high for m...
by #Cruncher
Wed May 24, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14979

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

... I would quantify how much better (or worse) delayed SS is compared to immediate SS in the tax-deferred scenario. Next do the same calculation in the Roth scenario. I'm perplexed, House Blend. In my previous post I already did that. Either you didn't realize it, or I'm misunderstanding your ques...
by #Cruncher
Wed May 24, 2017 4:00 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage prepay math with PMI
Replies: 11
Views: 1140

Re: Mortgage prepay math with PMI

So my quick estimation was that (80.51 * 12) / 41,180 = 2.346% yearly interest. Added on to our loan's [4.125%] interest, the 41k prepayment would be "earning" 6.471% (for the first 10 years we're scheduled to pay PMI ...). Does that sound correct? Or at least ballpark range? Yes, it's in...
by #Cruncher
Tue May 23, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Present value of COLA pension
Replies: 20
Views: 1703

Re: Present value of COLA pension

(CF * Life) / ((1+r)^t) ... we can estimate the chance of you receiving a payment for any given year. Life being the percent chance that you are alive. Here is a link to a Social Security actuarial table to help you figure out what that is. You are going to need a spreadsheet for this calculation b...
by #Cruncher
Mon May 22, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14979

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

... if you use tax-deferred assets as the source, ... ignoring taxes ... overstates the value of delaying SS. There may be instances where what you say is correct, House Blend, but here is a case where the opposite is true: ignoring taxes understates the return. ⋅ Single individual can ge...
by #Cruncher
Mon May 22, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14979

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

The following is from the BH Wiki pages which describe the taxation of SS benefits: ... tax brackets and Social Security taxation interact, creating a 27.75% marginal tax rate for most taxpayers in the 15% tax bracket, and a 46.25% marginal tax rate for some single taxpayers ... The point is that f...
by #Cruncher
Mon May 22, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Vs. Annuity?
Replies: 13
Views: 1792

Re: Lump Sum Vs. Annuity?

I am 67. W is turning 62 in 2017. Lump sum amount $181,498. ... Given age difference, leaning toward 100% joint and survivor, ... We do have other pensions but they aren't COLA. Using this longevity estimator with the 2013 SSA Period Life Table for a male age 67 and a female age 62 the 100% survivo...

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